KR20190029364A - System and method for providing lost insurance service of mobile terminal connected to credit card by communication - Google Patents

Abstract

The present invention relates to a system to provide an insurance service for a lost mobile terminal linked with a credit card through communication and a method thereof, which link the credit card with a mobile terminal through wireless communication and provide a lost insurance service for the mobile terminal linked with the credit card through wireless communication. According to one aspect of the present invention, the system comprises: a credit card including an RFID tag storing credit card information; a mobile terminal including a card management application which receives the credit card information from the RFID tag of the credit card through a connector type RFID reader when detecting connection with the connector type RFID reader to perform use registration to a credit card company server and transmits loss insurance subscription request information to the credit card company server based on user′s agreement; and the credit card company server transmitting a loss insurance subscription request to an insurance company server based on the loss insurance subscription request information received from the card management application in order to subscribe for a loss insurance for the mobile terminal and billing a premium for the mobile terminal, which is monthly billed from the insurance company server, to a user of the mobile terminal wherein the premium is billed after offset in accordance with a monthly use amount of the credit card.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system and a method for providing a lost insurance service for a mobile terminal connected to a credit card,

More particularly, the present invention relates to a system and method for providing a lost insurance service for a mobile terminal connected to a credit card by using RFID (Radio Frequency Identification) And more particularly, to a system and a method for providing the same.

Most people always carry mobile terminals that can use voice calls or wireless Internet while on the move. The mobile terminal has a small volume, which is convenient for carrying, but it is highly likely to be lost. It is often the case that the user moves to another place while leaving the mobile terminal in a specific place or the mobile terminal put in the pocket gets out of the pocket without knowing the user himself. When a mobile terminal is lost as an expensive electronic device, it is difficult to search again and re-purchase, which adds to the economic burden of the user. Accordingly, many people join the loss insurance when purchasing a mobile terminal. The loss insurance that is currently in service in Korea is being sold by mobile carriers. If you pay a certain amount of premium each month and lose your mobile device, you can get the same type of compensation.

On the other hand, a credit card is a card issued as a proof of deferring the collection of a commodity or service fee to a specific member for a certain period of time. Many people carry a credit card issued by a bank or a credit card company and replace the credit card with a payment method when purchasing a predetermined item and paying the amount. Most people carry their credit cards in their wallets. Therefore, if you lose your wallet on the subway or in public places, you will lose the credit card you put in your wallet. Accordingly, in order to prevent the user from using the lost credit card, the user has to call the corresponding credit card issuing company through the wired telephone or the mobile terminal to report the loss.

In view of this reality, the present invention proposes a scheme for extending credit insurance service for mobile terminals provided only by a mobile communication company so that a credit card company can provide a lost insurance service to a mobile terminal. Specifically, the present invention proposes a system and method for providing a lost-insurance service to a mobile terminal that associates a credit card with a mobile terminal in a wireless communication and thus wirelessly communicates with a credit card.

A system for providing a lost insurance service of a mobile terminal communicating with a credit card according to an aspect includes a credit card including an RFID tag storing credit card information; The RFID tag reader of claim 1, further comprising: a credit card information receiving unit for receiving the credit card information from the RFID tag of the credit card through the connector type RFID reader when the connection of the connector type RFID reader is detected, A mobile terminal including a card management application for transmitting request information to the credit card company server; And inserting a loss insurance for the mobile terminal by sending a loss insurance inserting request to the insurance company server based on the lost insurance inserting request information received from the card management application, And a credit card company server for requesting the user of the mobile terminal for insurance premiums and reducing the insurance premium according to the monthly usage amount of the credit card.

Wherein the card management application displays a lost-insurance-inserting guidance window for the mobile terminal after execution of the use registration and displays the lost-insurance-inserting information at the time of receiving the input of the lost-insurance inserting operation from the user through the lost- It can be transferred to a credit card company server.

Wherein the lost-insurance-inserting information includes personal information of the user and terminal information of the mobile terminal, the card management application receives personal information from the user through the lost-insurance-inserting guidance window, The terminal information can be automatically extracted.

The credit card company server may reduce the premium charged for the specific month if the amount of use of the credit card of a certain month is equal to or more than a certain amount or reduce the premium according to the reduction ratio of the section to which the amount of use of the credit card belongs .

The connector-type RFID reader includes: a plug formed on one side and inserted into a terminal of the mobile terminal; And a terminal formed on the other side and to which the cable can be connected.

The card management application can control the connector-type RFID reader to search the credit card and output a warning in the event of a loss risk situation.

A method of providing a lost insurance service of a mobile terminal communicating with a credit card according to another aspect of the present invention is a method for providing a lost insurance service of a mobile terminal connected to a credit card by receiving credit card information from an RFID tag included in the credit card through the connector- Receiving, by the credit card company server, the credit card information from the mobile terminal and performing use registration; Receiving, by the credit card company server, the lost insurance subscription request information from the mobile terminal based on the user's agreement; The credit card company server transmits a lost insurance purchase request to an insurance company server based on the received lost insurance request information to subscribe to the lost insurance for the mobile terminal; And the credit card company server billing the user of the mobile terminal for the insurance premium for the mobile terminal charged monthly from the insurance company server and requesting the user to reduce the insurance premium according to the monthly usage amount of the credit card do.

The step of receiving the lost insurance subscription request information may include displaying the lost insurance subscription guidance window at the mobile terminal after execution of the use registration and receiving an input of the lost insurance subscription agreement from the user through the lost insurance subscription guidance window, The credit card company server can receive the lost insurance subscription request information from the mobile terminal.

Wherein the requesting step is a step in which the credit card company server determines whether the amount of use of the credit card in a certain month is equal to or more than a predetermined amount, Therefore, insurance premiums can be reduced.

According to another aspect, a system for providing a lost insurance service of a mobile terminal communicating with a credit card includes: a credit card including an RFID tag storing credit card information; Receiving the credit card information from the RFID tag of the credit card through the USIM card when the connection of the USIM card is detected and performing use registration with the credit card company server, A mobile terminal including a card management application for transmitting to a credit card company server; And inserting a loss insurance for the mobile terminal by sending a loss insurance inserting request to the insurance company server based on the lost insurance inserting request information received from the card management application, And a credit card company server for requesting the user of the mobile terminal for insurance premiums and reducing the insurance premium according to the monthly usage amount of the credit card.

According to an embodiment of the present invention, users who have received a credit card wirelessly communicated with a mobile terminal can contact a customer center of a credit card company or contact a credit card and a mobile terminal The mobile terminal can easily register the credit card use and join the mobile terminal lost insurance service at the same time.

According to an embodiment of the present invention, when a user who subscribed to a mobile terminal loss insurance scheme pays a predetermined amount or more each month to a credit card linked to a mobile communication terminal, the credit card company reduces the monthly insurance premium, Thereby reducing the burden on the user of the mobile terminal.

According to an exemplary embodiment of the present invention, a mobile terminal connected to a wireless communication with a credit card periodically communicates with a credit card, thereby outputting a warning in the event of a loss risk situation, thereby minimizing the loss of a mobile terminal as well as a credit card . Therefore, the insurance company can reduce the loss risk of the mobile terminal and lower the insurance premium, which can reduce the economic burden of the lost insured person and can lead to increase in the number of the credit card communication subscriber connected with the mobile terminal.

1 is a diagram illustrating a system for providing a lost insurance service of a mobile terminal in communication with a credit card according to an embodiment of the present invention.
FIG. 2 is a view of an embodiment showing the mobile terminal, the connector-type RFID reader, and the credit card of FIG. 1 in more detail.
FIG. 3 is a diagram showing a configuration of a credit card company server of FIG. 1;
4 is a diagram showing a configuration of a mobile terminal of FIG.
FIG. 5 is a flowchart illustrating a method of subscribing a loss insurance of a mobile terminal in the system of FIG. 1;
FIG. 6 is a flowchart for claiming premiums of the mobile terminal lost insurance in the embodiment of FIG.
7 is a diagram illustrating a credit card and a mobile terminal in communication with the credit card according to another embodiment of the present invention.

The foregoing and other objects, features and advantages of the present invention will become more apparent from the following detailed description of the present invention when taken in conjunction with the accompanying drawings, in which: There will be. In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail. Hereinafter, a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating a system for providing a lost insurance service of a mobile terminal in communication with a credit card according to an embodiment of the present invention.

1, the system according to the present embodiment includes a mobile terminal 110, a connector type RFID reader 111, a credit card 112, a credit card company server 120, an insurance company server 130, (Hereinafter referred to as a mobile communication server) server 140.

The mobile terminal 110 is a mobile communication device that provides or provides voice communication or data communication and is referred to as another term such as User Equipment (UE), Mobile Station (MS), User Terminal (UT), Subscriber Station . The mobile terminal 110 includes a built-in battery, an operating system such as Android, IOS, and the like, and can install various applications.

The user accesses the credit card company server 120 using the mobile terminal 110 and accesses the credit card company server 120 through the mobile browser for example, (112). This credit card 112, as described below. It is possible to wirelessly communicate with the mobile terminal 110 through the connector type RFID reader 111 and to prevent the loss of the mobile terminal 110 and the credit card 112 There is a credit card. Alternatively, the user can access the credit card company server 120 using a personal computer, a notebook computer, or the like, and request the issuance of the credit card 112. Alternatively, the user may call the credit card company's ARS center to request issuance of the credit card 112. An agent of the ARS center can deliver the received issuance request to the credit card company server 120. [

The connector type RFID reader 111 and the credit card 112 are a pair of articles provided to a user who requests issuance of the credit card 112 that can establish wireless communication with the mobile terminal 110. The connector type RFID reader 111 can be attached to and detached from the micro USB terminal for USB communication and power charging of the mobile terminal 110 and the RFID card 111 communicating with the RFID reader 111 Tag. The credit card company can promote the credit card 112 as a credit card for preventing the loss of the mobile terminal 110 from being lost.

FIG. 2 is a diagram of an embodiment that more specifically illustrates the mobile terminal 110, the connector-type RFID reader 111, and the credit card 112 of FIG.

2, the mobile terminal 110 includes a micro USB terminal 110a for USB communication and power charging. The mobile terminal 110 is connected to a personal computer (PC) through a USB cable 110a, And can also be connected to a separate power source via a USB cable through the USB terminal 110a to charge the built-in battery. The mobile terminal 110 is provided with a card management application 110b.

When the connector type RFID reader 111 is first connected to the USB terminal 110a, the card management application 110b is automatically downloaded from the credit card company server 120 or an app store such as Google Play and installed in the mobile terminal 110 . An initial program stored in the connector type RFID reader 111 is executed by the mobile terminal 110 and the card management application 110b is automatically downloaded and installed from the credit card company server 120 or an app store such as Google Play. At this time, the initial program may display a consent guidance window for the installation of the card management application 110b to the user to receive consent.

The card management application 110b automatically performs use registration of the credit card 112 after installation. The card management application 110b controls the connector-type RFID reader 111 to receive credit card information from the credit card 112 and execute use registration with the credit card company server 120. [ The credit card information may include a card number, an expiration date, a CVC number, and the like. The card management application 110b receives the credit card information from the credit card 112, displays a card password input window, receives the card password from the user, and transmits the credit card information to the credit card company server 120 have.

The card management application 110b automatically executes the mobile terminal loss insurance signing process after executing the card usage registration. The card management application 110b displays the lost insurance participation guidance window for the mobile terminal 110 after the card use registration is completed and if the input of the lost insurance participation agreement is received from the user through the lost insurance participation guidance window, And transmits the subscription request information to the credit card company server 120. The lost insurance subscription request information includes user's personal information (e.g., name, resident registration number, address) and terminal information (e.g., phone number, terminal model name, serial number, etc.) of the mobile terminal 110. The card management application 110b may display the personal information input window to receive the user's personal information and the terminal information may be automatically extracted from the environment information of the mobile terminal 110. [

The card management application 110b may control the connector type RFID reader 111 to periodically search the credit card 112 to determine a loss risk situation and output a warning when a loss risk situation occurs. The risk of a loss is, for example, a case where a search signal is transmitted to the credit card 112 but there is no response within a predetermined time or a distance calculated based on a signal received from the credit card 112 is a certain distance or more. The card management application 110b can receive a search cycle of the credit card 112 or a search ON / OFF zone from the user. Accordingly, the user can recognize that the credit card 112 or the mobile terminal 110 is in the risk of loss through a warning before it is completely lost. By providing the loss prevention function as described above, the loss ratio of the mobile terminal loss insurance can be reduced and the membership rate of the credit card 112 can be increased.

The connector type RFID reader 111 includes a plug 111a connected to the micro USB terminal 110a of the mobile terminal 110 and a micro USB terminal 111b connected to the USB cable. The connector type RFID reader 111 is detachable from the micro USB terminal 110a of the mobile terminal 110 through the plug 111a and connected to the micro USB terminal 110a of the mobile terminal 110, The mobile terminal 110 receives power from a separate power source through a USB cable connected to the micro USB terminal 111b and supplies power to the micro USB terminal 110a of the mobile terminal 110 through the plug 111a, To charge the built-in battery.

When the connector type RFID reader 111 is connected to the micro USB terminal 110a of the mobile terminal 110, the connector type RFID reader 111 receives power from the battery of the mobile terminal 110 and operates. The connector-type RFID reader 111 transmits a search signal under the control of the card management application 110b installed in the mobile terminal 110, receives a response signal for the search signal, and transmits the response signal to the card management application 110b , And transmits a card information request signal to the card management application 110b. Preferably, the connector-type RFID reader 111 transmits radio waves in the UHF frequency band (300 MHz to 3 GHz). The UHF frequency band has a signal radius larger than that of LF (Low Frequency) and HF (High Frequency) frequency bands.

The connector-type RFID reader 111 includes a microprocessor, an RF transmitter module, an RF receiver module, a circulator, and an antenna. The microprocessor controls the overall connector type RFID reader 111 and communicates with the card management application 110b of the mobile terminal 110 to change configuration information of the reader system transmitted from the card management application 110b, And performs the function of transmission. The RF transmitter module supplies the power required for the RFID tag in the process of recognizing the RFID tag and transmits all data necessary for recognition to the RFID tag. The RFID receiving module receives a response signal from the RFID tag. The circulator connected to the antenna is responsible for separating the output signal from the RF transmitter module and the signal received from the RFID tag.

The credit card 112 is a card issued by a bank or a credit card company as a proof of deferring the collection of goods or services to a specific member for a predetermined period of time. In this embodiment, the credit card 112 includes a contact IC chip and an RFID tag. The contact IC chip is a chip for a general credit card function, and incorporates a microprocessor, memory, operating system and security algorithm. The RFID tag is also called a transponder and stores unique ID information and credit card information. When a card information request signal or a search signal is received from the connector-type RFID reader 111, the RFID tag transmits credit card information or unique ID information can do. The RFID tag is a passive RFID tag and operates by receiving power from a search signal received from the connector-type RFID reader 111. Therefore, the passive RFID tag is smaller than the active RFID tag. Since the technique of the passive RFID tag is a commonly known technique, detailed description thereof will be omitted here. Since the connector-type RFID reader 111 transmits signals in the UHF frequency band, the antenna of the RFID tag is an antenna operating in the UHF frequency band.

Referring again to FIG. 1, the credit card company server 120 performs credit card subscriber management, payment approval processing for use of a credit card, and loss insurance management for a mobile terminal. The credit card company server 120 receives and stores the issuance application information of the credit card 112 that is wirelessly communicated with the user's mobile terminal 110. [ Here, the issuance application information includes at least one of an address, a resident registration number, a type of a credit card requested for issuance, a direct debit account information, a name, an email address, information (e.g., date of purchase, manufacturer, model name, phone number, IMEI, And the like. The credit card company server 120 can receive the credit card issuance application information through the user's mobile terminal 110 or the personal computer or can receive the credit card issuance application information from the agent terminal of the ARS center or the agent terminal of the affiliated bank Lt; / RTI > When the issuance approval of the credit card 112 that is wirelessly communicated with the mobile terminal 110 is made, the credit card company server 120 transmits the information (e.g., card number, validity period, CSV, (Eg, an address, a resident registration number, a name, an e-mail address, a billing address, and the like) of the RFID reader 111 and the user's information. When the credit card issuance is approved, the credit card 112 and the RFID reader 111 are delivered to the user.

The credit card company server 120 receives the use registration request from the card management application 110b installed in the mobile terminal 110 of the user who has applied for the credit card 112 and the RFID reader 111, 112) are registered for use. The credit card company server 120 can receive credit card information such as a card number, an expiration date, a CVC number, and the like, and a card password input by the user for registration of use of the credit card 112 from the card management application 110b . The credit card company server 120 performs user authentication based on the card information and the card password, and registers the use when the authentication is successful.

In addition, the credit card company server 120 can receive the mobile terminal lost insurance subscription request information from the card management application 110b after registering the card usage. After registering the card usage registration, the card management application 110b obtains the user's consent and then obtains the user's personal information (e.g., name, resident registration number, address, etc.) and the terminal information of the mobile terminal 110 Etc.) to the insurance company. The credit card company server 120 extracts information required for insuring from the lost insurance subscription request information and transmits the lost insurance subscription request of the mobile terminal 110 to the insurance company server 130. The credit card company server 120 stores the personal information (resident registration number, address, name, e-mail address, etc.) of the user and information (e.g., date of purchase, manufacturer, model name, telephone number, IMEI, etc.) To the insurance company server (130). The credit card company server 120 can transmit the completion of the lost insurance to the mobile terminal 110 of the user in the SMS / MMS message or transmit it to the specified email address when the subscription approval is received from the insurance company server 130, or And can be pushed to the card management application 110b. In this embodiment, the contractor of the mobile terminal loss insurance is a credit card company, the insured person becomes a user of the mobile terminal 110, and the credit card company pays the premium to the insurance company and charges the user of the mobile terminal 110.

When the credit card company server 120 receives a monthly insurance premium claim from the insurance company, the credit card company server 120 charges the user of the mobile terminal 110 who has purchased the lost insurance every month for a predetermined premium. At this time, the credit card company server 120 can check the amount of use of the user's credit card 112, and can reduce the premium according to the amount of use. For example, if the usage amount is more than 500,000 won, the total amount of the insurance premium to be billed is reduced, and if the usage amount is 300,000 won or more and less than 500,000 won, the insurance fee is reduced by 50% You can claim the premium based on the amount.

In one embodiment, the credit card company server 120 can accept the loss report of the mobile terminal 110. [ You can file a lost notification via the ARS center or you can file a lost report on a web page via your personal computer. Upon receipt of the lost report, it is possible to receive the loss report notification of the related organization, the date and time of the accident, the location, and user's personal information. The credit card company server 120 notifies the user of the fact that the loss compensation approval has been received by the administrator. The notification can be made via email or the like. According to an embodiment, loss compensation can be in two forms. First, the credit card company server 120 transmits the account information of the user to the insurance company server 130 to request the payment of the insurance money, and the insurance company server 130 can pay the insurance money designated to the user's designated account. Second, the credit card company server 120 requests the mobile communication terminal 110 to pay the terminal of the same model as the lost mobile terminal 110, and when the user visits the agency, service center or branch office of the mobile communication company, Of the terminal. At this time, the credit card company server 120 requests the insurance company server 130 to pay the insurance money, and the insurance company server 130 can pay the insurance money to the designated account of the carrier.

Also, in one embodiment, the credit card company server 120 processes the rental terminal so that the user can temporarily use the rental terminal until the loss compensation approval is received after the loss notification of the mobile terminal 110 is received. That is, the credit card company server 120 transmits the information of the user who reported loss to the communication server 140, for example, the telephone number of the mobile terminal 110, and requests the rental terminal. The user visits the nearest agency, service center or branch office and temporarily receives the rental terminal.

The insurance company server 130 receives the request for insured loss of the mobile terminal 110 from the credit card company server 120 and returns the approval for approval through the examination and transmits the credit approval to the mobile terminal 110 110) of the user. The lost insurance subscription request includes the user's personal information (resident registration number, address, name, e-mail address, etc.) and information (e.g., date of purchase, manufacturer, model name, phone number, IMEI, etc.) of the mobile terminal 110 do. The insurance company server (130) can return the insurance premium including the premium when the insurance admission reply is received.

The insurance company server 130 can receive the insurance money payment request including the account information and the identification information (telephone number, etc.) of the user from the credit card company server 120, and when the insurance money payment approval is made through the examination, You can pay the designated insurance to the designated account. Or the insurance company server 130 can receive the insurance payment request including the account information of the mobile communication company and the identification information (telephone number, etc.) of the user who lost the terminal from the credit card company server 120, Once approved, you will be able to pay the insurance to the designated account of the carrier.

The mobile communication company server 140 can receive the terminal payment request of the same model as that of the lost mobile terminal 110 from the credit card company server 120. [ At this time, the terminal payment request may include a model name of the terminal, identification information (e.g., telephone number, name, etc.) of the user to pay the terminal, and the communication server 140 stores such information, Authentication can be performed upon receipt of the confirmation request. In addition, the mobile communication server 140 receives and stores a rental terminal payment request including identification information (e.g., telephone number, name, etc.) of the user who lost the mobile terminal 110 from the credit card company server 120 , And may perform authentication upon receiving a confirmation request from an agency, service center, or branch office. Accordingly, the user can receive a new mobile terminal of the same model at the agency, service center or branch office of the mobile communication company according to the payment of the insurance money after the loss of the mobile terminal 110, or temporarily hold the rental terminal It can be paid and used.

3 is a diagram showing a configuration of the credit card company server 120 of FIG. The credit card company server 120 includes a memory, one or more processors, an input / output device, a communication circuit, a power supply, and the like, and these components communicate via one or more communication buses or signal lines. 3, the credit card company server 120 includes a credit card issuance processing unit 310, a lost insurance registration processing unit 320, a payment approval processing unit 330, a card usage billing unit 340, And a processing unit 350, which may be implemented in software, installed in a memory, executed by one or more processors, or implemented in combination of hardware and software.

The credit card issuance processing unit 310 receives the issuance request information of the credit card 112 communicating with the mobile terminal 110 and stores it in a memory or in a separate database. Here, the issuance application information includes at least one of an address, a resident registration number, a type of a credit card requested for issuance, a direct debit account information, a name, an email address, information (e.g., date of purchase, manufacturer, model name, phone number, IMEI, And the like.

The credit card issuance processing unit 310 can receive the credit card issuance application information through the user's mobile terminal 110 or the personal computer or can receive the credit card issuance application form from the agent terminal of the ARS center, Information can be received. When the credit card issuance is approved, the credit card 112 and the RFID reader 111 are delivered to the user. The issuance approval may be made automatically by the credit card issuance processing unit 310, or an approval input may be received by the manager.

The credit card issuance processing unit 310 generates a series of the RFID readers 111 with the information of the issued credit card 112 (e.g., card number, validity period, CSV, name, Number, and user's information (eg, address, social security number, name, email address, billing address, etc.).

The credit card issuance processing unit 310 receives the use registration request from the card management application 110b installed in the mobile terminal 110 of the user who has applied for the credit card 112 and the RFID reader 111, (112). The credit card issuance processing unit 310 receives credit card information such as a card number, an expiration date, and a CVC number, and a card password input by the user for registration of use of the credit card 112 from the card management application 110b . The credit card issuance processing unit 310 performs user authentication based on the card information and the card password, and registers the use when the authentication is successful.

The lost insurance registration processing unit 320 can receive the mobile terminal lost insurance request information from the card management application 110b. After registering the card usage registration, the card management application 110b obtains the user's consent and then obtains the user's personal information (e.g., name, resident registration number, address, etc.) and the terminal information of the mobile terminal 110 Etc.), and the lost insurance registration processing unit 320 can receive the information. The lost insurance subscription processor 320 extracts information required for insuring from the received lost insurance subscription request information and transmits the lost insurance subscription request of the mobile terminal 110 to the insurance company server 130. [ The lost insurance registration processing unit 320 receives the information (e.g., date of purchase, manufacturer, model name, phone number, IMEI, etc.) of the mobile terminal 110 that is the insurance target and personal information (resident registration number, address, To the insurance company server (130). Upon receipt of the subscription approval from the insurance company server 130, the lost insurance subscription processing unit 320 can transmit the completion of the lost insurance to the user's mobile terminal 110 via the SMS / MMS message or the designated email address, Or to the card management application 110b. The lost insurance registration processing unit 320 can transfer the insurance premium calculated and informed by the insurance company to the designated account of the insurance company. The loss insurance subscription processing unit 320 may transmit the information of the mobile terminal 110 to the mobile communication server 140 so as to request authentication of the information of the mobile terminal 110 and receive the result of the authentication. Here, the authentication means to confirm whether the subscriber is a legitimate subscriber, the purchase date of the terminal, the manufacturer, the model name, and the like.

The payment approval processing unit 330 receives an approval request for payment using the credit card 112 made at the merchant from the merchant terminal, compares the payment amount included in the approval request with the payment limit, Whether or not the identification information matches the previously stored identification information, and returns the approval result to the merchant terminal.

The card usage billing unit 340 collects the usage fee of the credit card 112 approved by the payment approval processing unit 330 on a monthly basis and bills the user. The card usage billing unit 340 can request the usage fee to the bank designated by the user or send the bill to the user's mobile terminal 110 or the like.

The card usage billing unit 340 also charges the insurance premium when claiming the use amount of the credit card. At this time, the card usage billing unit 340 charges the premium for the user who has purchased the mobile terminal loss insurance every month for a predetermined period. The card use billing unit 340 confirms the amount of use of the user's credit card 112 and reduces the insurance premium according to the amount of use when charging the monthly premium. For example, if the amount used is more than 500,000 won, the total amount of insurance premiums charged for the month will be reduced. If the amount is over 300,000 won and less than 500,000 won, 50% reduction will be applied. If the amount is over 200,000 won, If it is over 100,000 won and less than 200,000 won, it is reduced by 20%. If it is less than 100,000 won, it is reduced by 10%. If there is no use amount, it can be claimed without deduction.

The lost report processing unit 350 can accept the lost report of the mobile terminal 110. [ You can file a lost notification via the ARS center or you can file a lost report on a web page via your personal computer. Upon receipt of the lost report, it is possible to receive the loss report notification of the related organization, the date and time of the accident, the location, and user's personal information. The lost report processing unit 350 notifies the user of the fact that the loss compensation approval has been received by the administrator. The notification can be made via email or the like. According to an embodiment, loss compensation can be in two forms. The lost report processing unit 350 transmits the account information of the user to the insurance company server 130 to request the payment of the insurance money, and the insurance company server 130 can pay the insurance money designated to the user's designated account. Or lost report processing unit 350 requests the mobile communication company server 140 to pay the terminal of the same model as that of the lost mobile terminal 110. When the user visits the agency, service center or branch office of the mobile communication company, . At this time, the lost report processing unit 350 requests the insurance company server 130 to pay the insurance money, and the insurance company server 130 can pay the insurance money to the designated account of the mobile communication company.

Also, the lost report processing unit 350 processes the rental terminal temporarily so that the user can use the rental terminal until the loss compensation approval is received after the loss notification of the mobile terminal 110 is received. That is, the lost report processing unit 350 transmits the information of the user who reported the loss to the mobile communication server 140, for example, the telephone number of the mobile terminal 110, and requests the rental terminal. The user visits the nearest agency, service center or branch office and temporarily receives the rental terminal. The lost report processing unit 350 can pay a usage fee to a designated account of the mobile communication company in accordance with the use period of the rental terminal or the like.

4 is a diagram showing a configuration of a mobile terminal of FIG. 4, the mobile terminal 110 includes a memory 410, a memory controller 421, one or more processors (CPU) 422, a peripheral interface 423, an input / output (I / O) A display device 441, an input device 442, a communication circuit 452, and a battery 460. These components communicate through one or more communication buses or signal lines. The various components shown in FIG. 4 may be implemented in hardware, software, or a combination of both hardware and software, including one or more signal processing and / or application specific integrated circuits.

Memory 410 may include high speed random access memory and may also include one or more magnetic disk storage devices, non-volatile memory such as flash memory devices, or other non-volatile semiconductor memory devices. In some embodiments, the memory 410 may include a storage device, e.g., a communication circuitry 452, located remotely from the one or more processors 422, and an Internet, Intranet, Local Area Network (WLAN) , A Storage Area Network (SAN), or the like, or any suitable combination thereof, via a network (not shown). Access to memory 410 by other components of mobile terminal 110, such as processor 422 and peripheral interface 423, may be controlled by memory controller 421.

The peripheral interface 423 connects the input / output peripheral device of the mobile terminal 110 with the processor 422 and the memory 410. The one or more processors 422 execute various functions for the communication terminal 10 and process data by executing various software programs and / or a set of instructions stored in the memory 410. In some embodiments, peripheral interface 423, processor 422 and memory controller 421 may be implemented on a single chip, such as chip 420. In other embodiments, they may be implemented as separate chips.

The I / O subsystem 430 provides an interface between the input / output peripheral of the mobile terminal 110, such as the display device 441, the input device 442, and the peripheral interface 423.

The display device 441 may be a liquid crystal display (LCD) technology or a light emitting polymer display (LPD) technology. The display device 441 may be a capacitive type, a resistive type, or an infrared type. The touch display provides an output interface and an input interface between the terminal and the user. The touch display displays a visual output to the user. The visual output may include text, graphics, video, and combinations thereof. Some or all of the visual output may correspond to a user interface object. The touch display forms a touch sensitive surface that accommodates user input.

The processor 422 is a processor configured to perform an operation associated with the mobile terminal 110 and to perform the instructions and to process the input and output between the components of the mobile terminal 110 using, for example, Reception and manipulation of data can be controlled.

The software components may be installed in the memory 410, such as an operating system 411, a graphics module (instruction set) 412, and an application (instruction set). Here, the application may include a card management application 110b, as shown in Fig. The operating system 411 may be an embedded operating system such as, for example, Darwin, RTXC, LINUX, UNIX, OS X, WINDOWS or VxWorks, Android, Management, storage control, power management, etc.), and facilitates communication between the various hardware and software components. Graphics module 412 includes a number of well known software components for providing and displaying graphics on display device 441. The term "graphics" includes, without limitation, text, web pages, icons (e.g., user interface targets including soft keys), digital images, video, animations, .

The communication circuit 452 transmits / receives a signal to / from the wire or wirelessly transmits / receives an electromagnetic wave. The communication circuit 452 converts electrical signals to electromagnetic waves and vice versa, and communicates with the communication network, other mobile gateways, and communication devices through the electromagnetic waves. The communication circuitry 452 may include, for example, an antenna system, an RF transceiver, one or more amplifiers, a tuner, one or more oscillators, a digital signal processor, a CODEC chipset, a subscriber identity module And may include well-known circuits for performing such functions without limitation. The communication circuitry 452 may be any type of communication network such as the Internet referred to as the World Wide Web (WWW), a network such as an intranet and / or a cellular telephone network, a wireless LAN and / or a metropolitan area network (MAN) It can communicate with other devices by communication. The wireless communication may be implemented in a variety of communication systems such as Global System for Mobile Communications (GSM), Enhanced Data GSM Environment (EDGE), wideband code division multiple access (WCDMA), code division multiple access (CDMA), time division multiple access (TDMA) Protocol, Wi-MAX, Bluetooth, zigbee, and Near Field Communication (NFC).

The battery 460 supplies power required by each component of the mobile terminal 110. The battery 460 may be, for example, a lithium battery, but is not limited thereto. The battery 460 may supply power to the connector type RFID reader 111 connected to the micro USB terminal 110a of the mobile terminal 110 and may receive power from the connector type RFID reader 111 to charge the battery.

Although not shown in FIG. 4, the mobile terminal 110 is a module for acquiring location information, and may typically include a GPS receiver. The mobile terminal 110 incorporates various sensors such as a geomagnetism sensor, an inertial sensor, a gravity sensor, an air pressure sensor, an acceleration sensor, and a gyro sensor to detect a position, a moving speed, The direction of the terminal, acceleration / deceleration of the terminal, direction change, geomagnetism, atmospheric pressure, and the like.

FIG. 5 is a flowchart illustrating a method of subscribing a loss insurance of a mobile terminal in the system of FIG. 1;

5, when the connector type RFID reader 111 is connected to the USB terminal 110a for the first time, the mobile terminal 110 detects the connector type RFID reader 111 and automatically performs card management in the app store such as the credit card company server 120 or Google Play The application 110b is downloaded and installed (S501, S502). An initial program stored in the connector-type RFID reader 111 is executed in the mobile terminal 110 and the card management application 110b can be automatically downloaded and installed. At this time, the initial program may display a consent guidance window for the installation of the card management application 110b to the user to receive consent.

After the card management application 110b of the mobile terminal 110 is installed, the use registration of the credit card 112 is automatically executed. More specifically, the card management application 110b controls the connector-type RFID reader 111 to transmit a card information request signal to the credit card 112 and receive credit card information from the credit card 1120 (S503, S504 ). The credit card information may include a card number, an expiration date, a CVC number, and the like. Then, the card management application 110b receives the received credit card information and transmits the received credit card information to the credit card company server 120 (S505). At this time, the card management application 110b receives the credit card information from the credit card 112, displays the card password input window, receives the card password from the user, and inserts the card password into the credit card information to the credit card company server 120 Lt; / RTI > When the card use registration is completed, the card management application 110b receives the card use registration response from the credit card company server 120 (S506).

The card management application 110b of the mobile terminal 110 automatically performs the mobile terminal loss insurance signing process after executing the card use registration. Specifically, after the card usage registration is completed, the card management application 110b displays the lost insurance registration guidance window for the mobile terminal 110 (S507), and inputs the lost insurance purchase acceptance agreement from the user through the lost insurance registration guidance window (S508). Then, the card management application 110b receives personal information from the user through the personal information input window (SS509) and automatically extracts the terminal information of the mobile terminal 110 from the environment information (S511). The card management application 110b transmits the lost insurance subscription request information including the personal information and the terminal information to the credit card company server 120 (S513).

The credit card company server 120 extracts information required for insuring from among the received lost insurance request information and transmits the lost insurance inserting request including the extracted information to the insurance company server 130 at step S514. The insurance company server 130 proceeds to the loss insurance approval examination based on the user's personal information and the terminal information, and transmits the lost insurance completion response to the credit card company server 120 upon completion of the approval (S515). Then, the credit card company server 120 transmits a lost insurance completion response to the user's mobile terminal 110 (S516). SMS message, or may be pushed through the card management application 110b, or may be sent to a designated email address.

5, when the user of the mobile terminal 110 connected to the credit card 112 wirelessly communicates with the mobile terminal loss insurance, the credit card company who is the insurance contractor pays the insurance premium to the insurance company, Claim the reinsured user for the premium. This will be described below with reference to FIG.

FIG. 6 is a flowchart for claiming premiums of the mobile terminal lost insurance in the embodiment of FIG. Referring to FIG. 6, the credit card company server 120 adds the usage amount of the credit card 112 for a month of the user who has entered the lost insurance (S601). The credit card company server 120 checks whether the amount of use is 500,000 won or more, and if it is 500,000 won or more, the insurance premium to be charged for the month is fully reduced (S602, S603). On the other hand, if the usage amount is not more than 500,000 won, the credit card company server 120 checks whether the usage amount is more than 300,000 won and less than 500,000 won, and if it belongs to the section, the insurance fee is reduced by 30% (S604, S605) . On the other hand, if the amount of use of the credit card 112 is less than 300,000 KRW, the credit card company server 120 determines the premium charge as the original amount without reducing the premium (S606). In step S607, the credit card company server 120 charges the user who subscribed to the mobile terminal lost insurance in the amount of the insurance premium determined in step S601. In the embodiment with reference to FIG. 6, 300,000 won and 500,000 won are exemplified as insurance premium reduction sections, but the present invention is not limited thereto and can be changed into various forms.

According to the above embodiment, the users who have issued the credit card 112 wirelessly communicated with the mobile terminal 110 can not contact the customer center of the credit card company 112, 112 and the mobile terminal 110 can communicate with each other, the mobile terminal 110 can easily register the credit card use registration and the mobile terminal lost insurance service at the same time.

In addition, according to the embodiment, when a user who subscribed to the mobile terminal loss insurance of the mobile terminal 110 pays a predetermined amount or more each month to the credit card 112 communicating with the mobile terminal 110, the credit card company reduces the premium , And promotes the use of the credit card, and alleviates the burden on the premium for the user of the mobile terminal 110.

According to the embodiment, the mobile terminal 110 communicating with the credit card 112 periodically communicates with the credit card 112 to output a warning in the event of a loss risk, thereby not only the credit card 112 The loss of the mobile terminal 110 can be minimized. Accordingly, the insurance company can reduce the risk of loss of the mobile terminal 110 and lower the insurance premium, which reduces the economic burden of the lost insured person and increases the subscriber increase of the credit card 112 communicating with the mobile terminal 110 Lt; / RTI >

In the embodiment described with reference to FIGS. 1 to 6, the contracting party of the mobile terminal loss insurance is a credit card company, and the user of the mobile terminal 110 is an insured person. The mobile terminal loss insurance is structured such that the credit card company becomes the direct contractor and the user of the mobile terminal 110 becomes the insured because the group insurance is strong and the credit or financial status of the individual users of the mobile terminal 110 can not be accurately grasped. However, the present invention is not necessarily limited thereto, and the user of the mobile terminal 110 may directly become an insurance contractor. In this case, the credit card company acts as a mediator between the user of the mobile terminal 110 and the insurance company for inserting the mobile terminal loss insurance, and charges and bills the premium with the credit card 112. The card management application 110b of the mobile terminal 110 transmits the lost insurance signup information to the credit card company server 120 through the connector type RFID reader 111, Reads the credit card information from the card 112, and transmits the credit card information to the credit card company server 120. The credit card company server 120 extracts information necessary for insuring from the lost insurance subscription information and transmits it to the insurance company server 130. The insurance company server 130 approves the insurance after the examination and returns the approval. At this time, the insurance company server 130 credits the insurance premium every month by using the credit card information included in the subscription information received from the credit card company server 120. Therefore, the credit card company server 120 approves the credit payment of the insurance premium, and the credit card company server 120 charges the credit card 112 of the user every month including the insurance premium. At this time, the credit card company server 120 can reduce the premium according to the amount of the credit card 112 except for the insurance premium, as in the above-described embodiment.

7 is a diagram illustrating a credit card and a mobile terminal in communication with the credit card according to another embodiment of the present invention. In the embodiment with reference to FIG. 7, the same reference numerals as those of the embodiment described with reference to FIG. 1 to FIG. 6 include the same functions, and a detailed description thereof will be omitted here. 1 to 6, the RFID reader 210, which wirelessly communicates the credit card 112 with the mobile terminal 110, is implemented as a connector type and is connected to the micro USB terminal 110a of the mobile terminal 110 It can be fastened at all times. 7, the RFID reader that wirelessly communicates with the mobile terminal 110 is implemented in a universal subscriber identity module (USIM) card 910 mounted in the mobile terminal 110 . The USIM card 910 incorporating the function of the RFID reader performs the functions of the connector-type RFID reader 111 described with reference to FIGS. 1 to 6 in the same manner. The USIM card 910 is a card-like module usable in the mobile terminal 110, and stores personal information so as to provide various services such as authentication, charging, and security functions to the subscriber. The USIM card 910 also serves as a general-purpose IC card (UICC) capable of carrying a role of a SIM card for performing subscriber authentication and a function of a traffic card or a credit card. The general purpose IC card guarantees the integrity and security of all personal information data by supporting various multi-application security. The USIM card 910 is composed of a small CPU and a memory. The CPU identifies the user by the encryption / decryption function. The memory is used as a storage space for the additional service. The function of the processor of the RFID reader in the embodiment of the present invention . The memory can be equipped with credit card, transportation card, membership card, etc. In particular, if only banking or card service approval is granted with OTA (Over The Air) technology, the service can be installed wirelessly without issuing a separate chip. In this embodiment, the USIM card 910 may include the above-described configuration of the connector-type RFID reader 111 to perform the function of the RFID reader. An RF transmitter module and an RF receiver module, and an antenna for communicating with the circulator. An antenna for communication in the UHF frequency band can be implemented along the rim of the USIM card 910. [ The connector type RFID reader 111 may be connected to the micro USB terminal 110a of the mobile terminal 110 by exposing the RFID reader 111 to the USIM card 910 instead of the connector type RFID reader 111 .

While the specification contains many features, such features should not be construed as limiting the scope of the invention or the scope of the claims. In addition, the features described in the individual embodiments herein may be combined and implemented in a single embodiment. Conversely, various features described in the singular < Desc / Clms Page number 5 > embodiments herein may be implemented in various embodiments individually or in combination as appropriate.

Although the operations have been described in a particular order in the figures, it should be understood that such operations are performed in a particular order as shown, or that all described operations are performed to obtain a sequence of sequential orders, or a desired result . In certain circumstances, multitasking and parallel processing may be advantageous. It should also be understood that the division of various system components in the above embodiments does not require such distinction in all embodiments. The above-described program components and systems can generally be implemented as a single software product or as a package in multiple software products.

The method of the present invention as described above can be implemented by a program and stored in a computer-readable recording medium (CD-ROM, RAM, ROM, floppy disk, hard disk, magneto optical disk, etc.). Such a process can be easily carried out by those skilled in the art and will not be described in detail.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the invention. The present invention is not limited to the drawings.

110:
111: Connector type RFID reader
112: Credit card
120: Credit card company server
130: Insurer server
140:
310: credit card issuing processor
320: Lost Insurance Subscription Processing Department
330: Payment approval processing unit
340: Card usage billing section
350: Lost report processing unit
910: USIM card

Claims (10)

A system for providing a lost insurance service for a mobile terminal connected to a credit card, the system comprising:
The credit card including an RFID tag for storing credit card information;
The RFID tag reader of claim 1, further comprising: a credit card information receiving unit for receiving the credit card information from the RFID tag of the credit card through the connector type RFID reader when the connection of the connector type RFID reader is detected, A mobile terminal including a card management application for transmitting request information to the credit card company server; And
The insurance company server transmits a lost insurance subscription request to the insurance company server based on the lost insurance subscription request information received from the card management application to subscribe to the lost insurance for the mobile terminal, To the user of the mobile terminal, the credit card company server requesting reduction by processing the premium in accordance with the monthly usage amount of the credit card. The method according to claim 1,
The card management application comprises:
Displays a lost-insurance-inserting guidance window for the mobile terminal after executing the use registration, and transmits the lost-insurance-inserting information to the credit card company server upon receiving the input of the lost-insurance inserting operation from the user through the lost- ≪ / RTI > 3. The method of claim 2,
The lost-insurance-
Personal information of the user and terminal information of the mobile terminal,
The card management application comprises:
Receives the personal information from the user through the lost insurance subscription information window, and automatically extracts the terminal information from the mobile terminal. The method according to claim 1,
The credit card company server,
A reduction amount of the insurance premium charged in the specific month is reduced or a reduction rate of the insurance premium is reduced in accordance with the reduction ratio of the section in which the amount of use of the credit card belongs. The method according to claim 1,
In the connector-type RFID reader,
A plug formed on one side surface and inserted into a terminal of the mobile terminal; And
And a terminal formed on the other side and to which the cable can be connected. 6. The method of claim 5,
The card management application comprises:
And controls the connector-type RFID reader to search the credit card to output a warning in the event of a loss risk situation. A method for providing a lost insurance service for a mobile terminal connected to a credit card,
When the connection of the connector type RFID reader is detected, the credit card company server receives the credit card information from the mobile terminal that receives the credit card information from the RFID tag included in the credit card through the connector type RFID reader, ;
Receiving, by the credit card company server, the lost insurance subscription request information from the mobile terminal based on the user's agreement;
The credit card company server transmits a lost insurance purchase request to an insurance company server based on the received lost insurance request information to subscribe to the lost insurance for the mobile terminal; And
The credit card company server requesting the user of the mobile terminal for a premium for the mobile terminal charged monthly from the insurance company server and requesting reduction of the insurance premium according to the monthly usage amount of the credit card, Way. 8. The method of claim 7,
The step of receiving the lost insurance request information comprises:
The lost-insurance-inserting guide window is displayed in the mobile terminal after the use registration is performed, and upon receiving the input of the lost-insurance inserting consent from the user through the lost insur- ance guiding window, the credit card company server obtains, from the mobile terminal, And receiving the subscription request information. 8. The method of claim 7,
The method of claim 1,
The credit card company server may reduce the insurance premium charged for the specific month if the amount of use of the credit card of a certain month is equal to or more than a certain amount or reduce the insurance premium according to the reduction ratio of the section to which the amount of use of the credit card belongs ≪ / RTI > A system for providing a lost insurance service for a mobile terminal connected to a credit card, the system comprising:
The credit card including an RFID tag for storing credit card information;
Receiving the credit card information from the RFID tag of the credit card through the USIM card when the connection of the USIM card is detected and performing use registration with the credit card company server, A mobile terminal including a card management application for transmitting to a credit card company server; And
The insurance company server transmits a lost insurance subscription request to the insurance company server based on the lost insurance subscription request information received from the card management application to subscribe to the lost insurance for the mobile terminal, To the user of the mobile terminal, the credit card company server requesting reduction by processing the premium in accordance with the monthly usage amount of the credit card.

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