KR20030000447A - Wiress phone having an information of accountment and Issuing method of virtual card therefor - Google Patents

Abstract

The present invention relates to a wireless terminal, and more particularly, to a wireless terminal having virtual card information and RF IC for payment of a usage fee, and a virtual card issuing method for the same.

A wireless terminal according to the present invention comprises a memory for storing card information relating to a plurality of cards; Card information transmission / reception means for storing card information used for payment and for transmitting stored card information or receiving payment details in response to a request of a payment system; Menu means for selecting a card to be used for payment among a plurality of cards stored in the memory; And recording means for storing card information related to the card selected by the menu means in the card information transmitting means.

The payment system using the wireless terminal according to the present invention can easily enter the market quickly and stabilize by using the infrastructure and technology for contactless RF IC payment currently commercialized.

Description

Wireless terminal having payment information and virtual card issuing method therefor {Wiress phone having an information of accountment and Issuing method of virtual card therefor}

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a wireless terminal, and more particularly, to a wireless terminal having virtual card information and an RF IC for payment of a usage fee, and a virtual card issuing method therefor.

Currently, payment system using credit card, transportation card, etc., payment system using credit card and mobile carrier's billing system are widely used, but they have to carry the card at all times or have insufficient time and place for charging. There is a problem such as a complicated and time-consuming procedure for issuing a card.

Figure 1 shows the configuration of a traffic fee payment system using a conventional traffic card. A traffic card is a radio frequency IC card and is used as a payment method for paying for the use of buses, subways, taxis and parking lots.

The RF IC card 102 is issued by a card issuing agency 112, such as a bank or affiliated store, and is given to a customer. The usable amount of money is input (charged) to the RF IC card 102.

The customer pays with the RF IC card 102 given in using the transportation 104 such as bus, subway, taxi, parking lot. The non-contact card reader (not shown) is provided in the transportation institution 104, and the traffic information center 106 makes an inquiry request to the card information read by this. The traffic information center 106 transmits the transaction details for the requested RF IC card 102 to the transportation institution 104 and the settlement bank 108.

The settlement bank 108 transfers the usage fee corresponding to the settlement data received from the traffic information center 106 to the traffic information center 106 from the payment of the customer who issued the RF IC card 102, and the card issuing agency. At 112, the settlement data is transmitted and the down payment is allocated.

On the other hand, the customer is charged with the usage fee corresponding to the prepaid fee from the replenishment station 110, the replenishment details are transmitted to the traffic information system 106. The traffic information system 106 transmits the settlement data of the supplementary details to the settlement bank 108, and the settlement bank 108 transmits the amount corresponding to the settlement data received to the account of the customer who issued the RF IC card 102. Deposit to

In the transportation fee payment system shown in FIG. 1, the types of cards are different for each region, and when the amount of money used up is exhausted, it is inconvenient to pay a prepaid fee and receive a charge. In addition, there is not much issuance authority 104 and supplemental station 120 for issuance of a traffic card is inconvenient, there is a problem that issuance and charging is not possible at night.

Figure 2 shows the configuration of a traffic fee payment system using a credit card. A national pass card is mentioned as a card used for the transportation fee payment system shown in FIG.

In the system shown in Fig. 2, a credit card 202 having a built-in RF IC is used. The credit card 202 is issued from the bank 204 and is given to the customer who applied for the credit card 202. The customer uses the transportation agency 206 using the issued credit card 202. The transportation agency 204 transmits the transaction details to the traffic information center 206. The traffic information center 206 sends the transaction details to the bank 204. The bank 204 pays the traffic information fee for the received settlement data to the traffic information center 208. The paid transportation fee is charged to the customer along with the credit card use amount, and the customer using the credit card 202 pays the transportation fee to the bank 204.

The system shown in FIG. 2 does not require replenishment and is postpaid, so it is more convenient than the system shown in FIG. 1, but can only be used by customers who use the credit card. The problem is that it is not available.

3 shows a configuration of a traffic fee payment system using a conventional wireless terminal. An example of the system shown in FIG. 3 is ez-Pass of LG Telecom.

The system shown in FIG. 3 uses a wireless terminal with a built-in RF IC to pay traffic charges and to make postpay payments along with call charges.

Bank 304 issues a wireless terminal 302 with an embedded RF IC having credit card information. The customer uses transportation 306 using wireless terminal 302. The transportation agency 306 transmits the transaction details to the traffic information center 306. The traffic information center transmits the settlement data to the bank 304, and the bank 304 bills the telecommunication company 308 for the transportation fee corresponding to the received settlement data. The telecommunications company 308 pays the requested traffic fee through the bank 304 to the traffic information center 306.

The telecommunication company 308 bills the customer with the communication fee paid, and the customer pays the communication fee and the transportation fee to the bank 304.

Since the system shown in FIG. 3 uses a wireless terminal with a built-in RF IC having credit card information, only a corresponding credit card user is available, and there is a problem in that the mobile communication company burdens the billing system.

4 shows the configuration of a payment system using the wireless Internet. An example of the system shown in FIG. 4 is Wireless Internet M-Commerce.

The customer 402 connects to the mobile carrier's wireless Internet 404 and searches for the affiliate store 406. The customer 402 uses the affiliated store 406 and requests payment of a fee from a financial company 408 such as a card company or a bank. The financial company 408 pays the usage fee to the account of the merchant after the credit inquiry. The usage fee is charged to the customer 402 at the credit card usage fee. Meanwhile, the customer 402 and the affiliated store 406 may check the payment processing contents through the wireless terminal.

The system shown in FIG. 4 is inconvenient because the connection and payment processing is performed by using the wireless Internet every time, and there is a problem such as an additional fee for using the wireless Internet.

In addition, the systems shown in Figures 1 to 4 should have a corresponding card, the process of reporting and re-issuing in case of loss is complicated and takes a long time, and the card number and expiration date must be entrusted to the employee for payment There is a risk that the back, and the card issuer's card production costs, labor costs, postage, etc. have common problems.

It is an object of the present invention to provide an improved payment means which makes it possible to use a bank card, a credit card, a transportation card, and the like, which are conventionally used, through a wireless terminal.

Another object of the present invention is to provide a method for issuing a virtual card suitable for the above payment means.

1 is a block diagram showing the configuration of a conventional traffic card and a traffic fee payment system using the same.

Figure 2 is a block diagram showing the configuration of a traffic fee payment system using a conventional credit card.

Figure 3 is a block diagram showing the configuration of a traffic fee payment system using a conventional credit card and mobile phone.

Figure 4 is a block diagram showing the configuration of an online fee payment system using a credit card.

Figure 5 is shown to schematically show the function of the payment system using a wireless terminal according to the present invention.

6 is a block diagram showing the configuration of a wireless terminal according to the present invention.

7 is a flowchart illustrating a virtual card issuing process according to the present invention.

8 is a flowchart illustrating a charging process for enabling a wireless terminal according to the present invention to be used as a prepaid card.

Figure 9 shows an example of a payment system using a wireless terminal according to the present invention shows a configuration for prepaid payment.

Figure 10 shows another example of a payment system using a wireless terminal according to the present invention shows a configuration for postpaid payment.

11 shows another example of a payment system using a wireless terminal according to the present invention, showing a configuration for online payment.

Wireless terminal according to the present invention to achieve the above object

A memory that stores card information about a plurality of cards;

Card information transmission / reception means for storing card information used for payment and for transmitting stored card information or receiving payment details in response to a request of a payment system;

Menu means for selecting a card to be used for payment among a plurality of cards stored in the memory; And

And recording means for storing card information related to the card selected by the menu means in the card information transmitting means.

Virtual card issuing method according to the present invention to achieve the above another object

An input process of inputting an account number and a unique number of a communication terminal; And

And an approval process for approving the withdrawal of the payment amount to / from the account having the account number through the communication terminal.

Hereinafter, the configuration and operation of the present invention will be described in detail with reference to the accompanying drawings.

In the present invention, a wireless terminal is a communication terminal capable of performing an Internet function using a radio frequency and having a unique number. Examples of such wireless terminals include mobile communication terminals, PCS terminals, and the like.

In the present invention, a virtual card refers to payment information approved for use by a card issuer by an issuer as a concept in contrast to a physical card having a physical entity distributed in the real world. In addition, this payment information has a feature of being associated with a unique number of the wireless terminal used by the card user. In addition, the virtual card information refers to information related to the virtual card, and includes a card number, an account number of an account connected to the card, a password, and the like, and sometimes referred to as payment information because the virtual card is used as a means for payment.

5 shows a simplified configuration of a payment system according to the present invention.

In the payment system shown in FIG. 5, information about a plurality of mobile virtual cards (hereinafter referred to as MVC information) is stored in a memory of the wireless terminal 502, and each MVC information is, for example, It includes card number, account number, password. In addition, each MVC information is associated with a unique number of the wireless terminal used by the user. The user selects a virtual card to be used for payment among a plurality of virtual cards stored in the memory through a menu. Virtual card information associated with the selected virtual card is stored in the RF IC. The RF IC card reader 504 installed at the affiliated store reads virtual card information stored in the RF IC of the wireless terminal.

The card information read by the RF IC card reader 504, for example, the card number, account number, password, etc. are used for inquiry, authentication, authorization, payment, etc. for payment of the usage fee.

Meanwhile, the bank / card company 506 issues a virtual card. The virtual card information related to the issued virtual card is stored in the memory of the wireless terminal 502. Issuance of the virtual card is preferably performed through the Internet, in particular through the wireless Internet. This is required because the wireless terminal makes one of the main functions to access the wireless Internet.

6 is a block diagram showing a detailed configuration of a wireless terminal according to the present invention.

The wireless terminal shown in FIG. 6 is characterized by further comprising components for performing payment using a virtual card in a conventional mobile communication terminal, a PCS terminal, and the like. Therefore, detailed descriptions of components that can be configured in the conventional wireless terminal, for example, a method or means for performing voice and data communication, a method or means for inputting text information, etc. will be omitted.

The wireless terminal shown in FIG. 6 includes a memory 602 for storing virtual card information related to a plurality of virtual cards, a virtual card information corresponding to a virtual card to be used for payment, and a virtual card stored in response to a request of a payment system. By the RF IC 604 for transmitting information or the payment details, the menu unit 606 and the menu unit 608 for selecting a virtual card to be used for payment among a plurality of virtual cards stored in the memory 602. And a recording unit 610 for storing the virtual card information related to the selected virtual card in the RF IC 604.

The wireless terminal shown in FIG. 6 uses a conventional payment system and technology for an RF IC. Therefore, the market entry of the payment system by the virtual card can be performed quickly and stably. In addition, unlike the conventional traffic card, credit card, etc. had to be carried separately from the wireless terminal, it is easy to carry and store by integrating them. In addition, it is possible to differentiate the mobile communication service using the wireless terminal of the present invention.

The virtual card information corresponding to the virtual card is generated from an issuer such as a bank / card company when the virtual card is issued and transmitted to the user's wireless terminal. This virtual card information is combined with the unique number of the wireless terminal.

At the time of payment, the unique number of the wireless terminal along with the virtual card information is transmitted from the wireless terminal to the payment system. Therefore, when the wireless terminal is lost, it is possible to prevent the illegal use of the virtual cards stored in the wireless terminal by reporting the wireless terminal lost or stopped to the mobile communication company.

If the unique number of the wireless terminal included in the virtual card information transmitted for the payment is different from the unique number of the wireless terminal included in the virtual card information issued by the issuing authority, the payment system rejects the payment process. Since the unique number of the wireless terminal is unique to each device, even if the virtual card information stored in the wireless terminal is leaked for any reason, it is possible to prevent their illegal use.

7 is a flowchart illustrating a virtual card issuing process according to the present invention.

First, the customer uses his wireless terminal to access the wireless Internet card service (S702).

The customer selects the type of card and inputs the terminal's unique number, bank account number, and password (S704).

The bank / card company approves the issuance of the virtual card for the applied card, and transmits the MVC information to the wireless terminal (S706).

The transmitted MVC information is stored in the customer's wireless terminal (S608).

According to the virtual card issuing method shown in FIG. 7, since a card having a physical entity is not manufactured, a card manufacturing cost can be greatly reduced. In addition, there is no need for transportation fees, labor costs, etc. to deliver the card, and there is no risk of loss or fraud that may occur in the transportation process. In addition, since the card issuance / reissue issuance application can be completed through the wireless Internet, the time for card issuance is greatly shortened.

8 is a flowchart illustrating a charging process for enabling a wireless terminal according to the present invention to be used as a prepaid card.

The customer accesses the wireless Internet charging service using the wireless terminal in which the virtual card information is input (S802).

The customer selects a card type and inputs an amount and a password (S804).

The bank / card company transmits the recharge amount to the customer's wireless terminal (S706).

The transmitted charge amount is stored in the terminal (S708).

Since the charging process illustrated in FIG. 8 is performed through the wireless Internet, charging is possible regardless of the number, time, or location of the charging station. On the other hand, since the charging process in the wireless terminal of the present invention can be performed very simply, it is possible to limit the daily charge amount. If you limit the daily charge amount, even if the loss of the wireless terminal can prevent large losses due to cumulative use in advance.

The wireless terminal in which the prepaid fee is input through the process shown in FIG. 8 may be used using the same payment system as the existing prepaid card. The wireless terminal in which the prepaid fee is input is useful for a system for micro payment, such as a transportation card.

Figure 9 shows an example of a payment system using a wireless terminal according to the present invention shows a configuration for prepaid payment.

The bank / card company 904 issues a virtual card and charges a prepaid amount. The virtual card information and the amount of money available are stored in the customer's wireless terminal 902. The customer makes a payment using the affiliated store 906 and his wireless terminal 902.

In the configuration shown in Fig. 9, since the prepaid transaction details are transmitted to and stored in the wireless terminal 902, the balance and the usage details can be easily grasped. In addition, when the wireless terminal of the present invention is combined with the existing electronic money, it can be utilized in bonus cards or electronic coupons.

Merchant 906 transmits the transaction history to the transaction aggregation center 908, the transaction aggregation center 908 transmits the settlement data to the issuing authority 804. The issuer 904 pays the affiliated store 806 a usage fee corresponding to the transmitted settlement data, and withdraws the usage fee paid from the customer's account. In addition, the transaction details are transmitted to the customer's wireless terminal 902 by the transaction counting center 908 or the issuing authority 904.

Figure 10 shows another example of a payment system using a wireless terminal according to the present invention shows a configuration for postpaid payment.

The customer makes a payment using the merchant 1006 and using the wireless terminal 1002 of the present invention. The affiliate store 1006 requests approval from the card company 1004 through the VAN company 1008. The card company 1004 transmits the approval for the requested transaction to the affiliate store 1006 through the VAN company 1008. The VAN company 1008 uses a PSTN dedicated line.

The card company 1004 requests the credit card use amount from the customer, and the customer pays the requested use amount to the card company 1004. Further, the transaction details are transmitted to the customer's wireless terminal 1002 by the VAN company 1008 or the issuing authority 1004.

When the wireless terminal according to the present invention is used, security is good because the card information is not exposed to the employees, and the payment process is very simple even when using the ON LINE.

Figure 11 shows another example of a payment system using a wireless terminal according to the present invention shows a configuration for online payment.

The customer selects a product from the shopping mall 1106 opened on the wireless Internet 1104 via his wireless terminal 1102 to which virtual card information is input.

Select MVC as the payment method and enter the MVC type, amount, and password.

The shopping mall 1106 requests credit card company 1108 for approval, the credit card company 1108 notifies whether the requested transaction has been approved, and pays the transaction price to shopping mall 1106.

The customer checks the payment processing approval result (approval number) and stores the payment details in the wireless terminal 1102 if necessary.

An example menu configuration shows an example of a menu configuration for using a virtual card in a wireless terminal according to the present invention.

<Menu Configuration Example>

-MVC registration / cancellation

1.Select card type to register / cancel

2. Terminal specific NO input

3.Enter your bank / card account number

4.Enter Password

5.MVC Registration / Cancel Save

-Charge MVC (Transportation Card / Mini-Electronic Money)

1. Charge amount input

2.Select the type of MVC to charge

3.Select Transfer / Service Account

4.Enter Password

-MVC Display

1. Charge amount (On / Off)

2.Active MVC (On / Off)

3.Display transaction status (On / Off) (5 sec / 10 sec / 30 sec)

-Active MVC setting

1.Active MVC optional

2.Enter your password

-Default MVC setting

1.Default MVC selection

2.Auto reset time (On / Off): (fixed after using Active MVC; return after 1 minute / 5 minutes / 10 minutes)

3.MVC Lock Auto Setup (On / Off): (Password every time MVC is used; Lock 1 minute / 5 minutes / 10 minutes after Acti8ve MVC is used)

4.Enter Password

As shown in the menu configuration example, menus of the wireless terminal include MVC registration / cancellation, MVC charging, MVC display, ACTIVE MVC setting, and DEFAULT MVC setting.

Through the MVC registration / cancellation menu, selection of a card to be registered / cancelled, terminal identification number input, bank / card account number input, password input, MVC registration / cancellation storage, and the like can be performed.

Through the MVC Recharge menu, you can enter a recharge amount, select a charged MVC type, select a transfer / service account, and enter a password.

Through the MVC display menu, the ON / OFF of the charge amount display, the ON / OFF of the active MVC, the ON / OFF of the transaction status, and the selection of the display time (5 seconds / 10 seconds / 30 seconds) can be performed.

In the ACTIVE MVC setting menu, active MVC selection and password input can be performed.

In the DEFAULT MVC setting menu, you can select default MVC, auto return ON / OFF, time lock / return (after 1 minute / 10 minutes) and MVC lock setting ON / OFF.

MVC LOCK auto setup is to set password input automatically or manually.

The present invention can implement both a small charge prepaid payment and a large amount of postpaid postpaid payment in one terminal, and adolescents and creditors can also be used within a limited range.

In addition, unlike conventional wireless Internet payments, no additional communication fee is charged.

Since the payment system using the wireless terminal according to the present invention is not a mobile carrier billing system as in the related art, there is no burden of paying a large amount of money in the mobile communication company.

In addition, the payment system using the wireless terminal according to the present invention can easily enter the market quickly and stabilize by using the infrastructure and technology for contactless RF IC payment currently commercialized.

Claims (13)

A memory that stores card information about a plurality of cards; Card information transmission / reception means for storing card information used for payment and for transmitting stored card information or receiving payment details in response to a request of a payment system; Menu means for selecting a card to be used for payment among a plurality of cards stored in the memory; And recording means for storing card information related to the card selected by the menu means in the card information transmitting means. The wireless terminal according to claim 1, wherein the card information transmitting and receiving means is an RF IC. The method of claim 1, And display means for displaying card information stored in said memory. The wireless terminal of claim 1, wherein the card information includes a card number, an account number, and a password. 5. A wireless terminal according to claim 4, wherein the card information includes a prepaid amount and a balance. The wireless terminal of claim 5, wherein the card information includes a payment history settled through the RF IC. An input process of inputting an account number and a unique number of a communication terminal; And And an approval process for approving the withdrawal of the payment amount to / from the account having the account number through the communication terminal. 8. The virtual card issuing method of claim 7, wherein the input process and the approval process are performed through a communication network. The method of claim 7, wherein And transmitting the card information on the virtual card to the communication terminal. The method of claim 7, And storing the card information for the received virtual card in the communication terminal. 8. The virtual card issuing method as claimed in claim 7, wherein the communication terminal is a mobile communication terminal. 8. The method of claim 7, further comprising the steps of: prepaying a predetermined amount from a designated account, and transmitting a prepaid tare to the communication terminal; And The communication terminal further comprises the step of storing the received prepaid amount of the virtual card. 8. The virtual card issuing method as claimed in claim 7, wherein the communication terminal is a wireless terminal capable of performing wireless internet.