JP2001312704A - Device and method for charging money amount - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a device and a method for charging money amount, with which a money amount can be charged to an electronic card while utilizing a radio network. SOLUTION: This device is composed of a radio signal receiving block 210 for receiving a radio signal, judging the money amount charge information and judging the presence/absence of a transmitting error, a memory 230 for storing the money amount to be charged, an arithmetic logic 220 for receiving the money amount charge information from the radio signal receiving block, performs the authentication process of the serial number of that block or peculiar key of a subscriber, storing charge amount data contained in the amount charge information in the memory when the subscriber is judged proper, reading out the amount data stored in the memory and transmitting them to the radio signal receiving block at the time of the amount-to-be-charged, remainder or charged money amount confirmation request signal of that block, and a non- contact block 240 for detecting a money amount charge signal from a card loader, transforming the signal to a prescribed format and afterwards, transmitting that signal to the arithmetic logic or memory for storing it in the memory.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a portable terminal device, and more particularly, to a money filling device using a wireless device and a method thereof.

[0002]

2. Description of the Related Art In recent years, with the rapid development of the information and communication industry, the use of cards has become universal, and as a means of payment, the amount charged in the card is used instead of cash or a ticket. Payment services are provided. Such a card is called a contactless wireless identification card, and a reader that can read / write the information in the card, or the communication between the filling machine and the card is built into the card using an amplitude modulation method. It has a function of filling the amount with the RF (Radio Frequency) chip and paying the price.

[0003] Further, according to such a card, when using public transportation, there is an advantage that the complexity and time for purchasing a ticket can be reduced, and the inconvenience of exchanging change can be eliminated.

[0004]

However, in such a conventional wireless identification card, it is inconvenient to visit a place to be charged each time the amount to be used is charged, and the card is lost. In such a case, there is an inconvenience that a loss is given to the user. Furthermore, there is an inconvenience that the remaining amount after use is not displayed and the usable amount cannot be confirmed, which is inconvenient for the user.

Therefore, the present invention has been made in view of such conventional problems, and a first object of the present invention is to integrally connect a portable terminal and an electronic card capable of charging money. It is an object of the present invention to provide a money filling device and a method thereof, which are capable of filling a money to be transmitted wirelessly. Also,
A second object of the present invention is to provide a money filling apparatus and a method for setting the suspension of use of a card by a radio signal when a card is lost, and canceling the suspension by a radio signal when a card is found. To provide.

It is a third object of the present invention to provide a money filling apparatus and a method for changing personal information by a radio signal.

[0007]

SUMMARY OF THE INVENTION In order to achieve the above object, a money filling apparatus and method according to the present invention provide a method of filling a money, canceling the charge, suspending use, and using the money from a wireless communication carrier. It is characterized by providing service information such as cancellation of suspension and updating of personal information.

[0008] The money filling device according to the present invention is characterized in that the electronic card and the portable terminal are integrally connected so that the money can be charged into the electronic card by a wireless method or a non-contact method. I do. In the money filling device according to the present invention, a memory block for storing the money amount data, and receives a radio signal to determine whether it is general wireless calling information or money filling information, and displays the determination information. , Determination result, if it is money amount information, a wireless signal receiving block for determining the presence or absence of a transmission error, the determination result,
If determined to the amount filling information, it is determined whether the information is valid amount filling information, and if it is valid, an arithmetic logic block that stores the corresponding amount of filling in the memory block,
And a non-contact block for storing an amount in the memory block or paying the amount from the memory block upon sensing an amount charging signal from a card filling machine.

The arithmetic logic block encrypts or decrypts the encrypted information transmitted from the wireless communication carrier to determine whether the signal is a legitimate signal, and determines the result as a receiving signal for the wireless signal. Alternatively, an information processing unit for transmitting the data to the memory block is provided. In addition, the memory block may store the charge amount data charged wirelessly and the amount data charged by the card filling machine in separate storage areas, or may store the same in a similar storage area. The storage area for storing the breakdown of the charging amount and the various authentication information required for filling and use are respectively allocated to separate storage areas, and the storage area for using personal information such as a passport card and an electronic identification card. Are separately allocated.

In the money filling method according to the present invention, when a radio signal is received, it is determined whether or not the money charging information is present, and when the result of the determination is that there is money charging information, it is determined whether there is an error. When the judgment result shows that there is no error, a step of generating and storing the amount data through a process of deciphering the amount charging information, and determining whether the received wireless signal is the card use stop information if the received wireless signal is not the amount filling information. Judging, when it is judged that the card use suspension information,
Setting the suspension of use of the card.

In the money filling operation, whether or not the charge information is primary money charge information is determined. If the result of the determination is that the primary money charge information is present, a charge required money is calculated based on the charge information. Determining whether the sum is greater than the charging limit. If the result of the determination is that the sum is equal to or less than the charging limit, the specific key value already stored is determined. Determining whether or not the encrypted value matches the specific value calculated from the primary amount charging information; and, if the encrypted value matches the calculated value, the primary amount is determined. Encrypt and display filling information,
Setting a temporary suspension, and determining whether or not secondary amount charging information has been received, and as a result of the determination, if secondary amount charging information has been received, the data included in the charging information Encrypting a specified key value of a certification authority side by side according to a rule; determining whether the encrypted value matches a cryptographic value included in the secondary amount filling information; When the values match, the desired amount is charged, the temporary use is canceled, and the step of ending the charging operation is sequentially performed. Is charged.

Further, the specific key value is a value given in advance by a wireless communication carrier and a financial institution (for example, a bank). Further, in the money amount filling method according to the present invention, when the input of the specific key for the specific key for confirming the breakdown of the charged amount and the confirmation of the remaining amount is determined, and when the input of the specific key is determined in the above-mentioned step, it is stored. The step of reading the amount data read and the step of displaying the amount data read in the above-mentioned steps in the order in which they are stored are sequentially performed to perform the operation of confirming the charged amount.

Further, in the money charging method according to the present invention, there is provided a first step of determining whether or not the information is not the money charging information but the use stop information. And sequentially performing a second step of determining whether the authentication information matches the authentication information stored in advance and a third step of stopping use of the card when the authentication information matches the authentication information.

Further, the authentication information is a serial number of a subscriber's terminal or a specific variable transmitted from a wireless communication carrier. Further, in the money amount filling method according to the present invention, the step of determining whether or not the update information of the personal information is received, and, if the determination result indicates that the update information of the personal information is received, the specific variable is extracted. Comparing a specific variable transmitted when updating personal information previously, and updating the personal information when the currently transmitted specific variable is larger than the previous specific variable as a result of the comparison;
Is performed.

[0015]

Embodiments of the present invention will be described below with reference to the drawings. Generally, there are various types of portable terminals, such as a mobile phone, a PDA, and a wireless paging device. In the present invention, a wireless paging device will be described as an example. In the first embodiment of the money filling device according to the present invention, as shown in FIG. 1, a general wireless call information or a general wireless calling If it is the call information, the corresponding call content is displayed, or if the result of the determination is the charge information, the radio signal receiving block (210) for determining the presence or absence of a transmission error, and the memory block for storing the charge data ( 230), as a result of the judgment of the wireless signal receiving block (210), if it is money amount filling information, if it is compared with the serial number of the wireless signal receiving block (210), if it matches, it goes through a process of decoding the money amount filling information. The subscriber-specific key value and the amount data are extracted, and if there is an error, the presence or absence of an error is determined. If there is no error, the amount data is stored in the memory block. (230)
And if the received signal is a charge amount breakdown confirmation signal from the wireless signal receiving block (210), the memory block
The charge amount data stored in (230) is read out, and an operation logic block (220) for transmitting to the radio signal receiving block (210) and a charge amount signal from the card filling machine are detected and converted into a predetermined format. After that, a non-contact block (240) is stored in the memory block (230).

The radio signal receiving block (210)
Is a high-frequency processing unit that amplifies and decodes the radio signal (211)
And a key input unit (212) for inputting an arbitrary key signal; and radio call information or the arithmetic logic block (220)
A display unit (213) for displaying the money filling information outputted through the decrypting process in characters or numbers, and a specific character or a character obtained from the arithmetic logic block (220) according to the output result after the decrypting process. A tone signal generator (214) for generating a specific sound for a number, and the high-frequency processor (2)
The output signal of (11) is interpreted to determine general wireless call information or charge information. If the result is general wireless call information, the signal is transmitted to the display unit (213) or the charge information is read. Is satisfied, the operation logic block (2
20) rearranging the money filling information into a predetermined format conforming to the above, and transmitting it to the arithmetic logic block (220);
Next, the specific character or number output through the decryption process is transmitted to the display unit (213) and the tone signal generation unit (214), and the key signal from the key input unit (212) is converted into a key signal for displaying the breakdown of the amount of filling. When it is read, it is transmitted to the arithmetic logic block (220), and the microcomputer (215) which receives the money amount filling information and transmits it to the display unit (213).
And is composed of

Further, the microcomputer (215)
As shown in FIG. 2, the input / output interface unit (215a) for receiving the digital signal converted from the high-frequency processing unit (211) and the signal transmitted from the input / output interface unit (215a) are called by radio. Information, or it is determined whether it is money filling information, when it is wireless call information, converted to numbers or characters, transmitted to the display unit (213) via the input / output interface unit (215a), or As a result of the determination, if it is determined that the information is the amount filling information, a CPU (215c) that rearranges the information into a predetermined format compatible with the arithmetic logic block (220) to determine whether or not there is a transmission error;
When it is determined that there is no transmission error from U (215c), an arithmetic logic interface unit (215b) for transmitting the rearranged information to the arithmetic logic block (220);
The CPU (215c) has a built-in program for determining the presence or absence of a transmission error, processing a signal format program and processing radio call information, and a program for controlling signals between the arithmetic logic block (220) and the radio signal reception block (210). ROM (215e) and a RAM (215d) for storing operation data of the CPU (215c).

In the arithmetic logic block (220), as shown in FIG.
0) Wireless interface for transmitting / receiving information to / from
(221) and the serial number of the wireless signal receiving block input to the wireless interface unit (221) are stored in the memory block (23
(0) is compared with the serial number stored therein, and if the numbers match, the amount filling information is decrypted, the subscriber's unique key and amount data are extracted, and the extracted subscriber's unique key value and amount data are extracted. Then, the extracted subscriber unique key value is compared with the unique value of the subscriber stored in the memory block (230) to determine whether the subscriber is a legitimate subscriber. , Money amount data is stored in the memory block (230), and when a money amount breakdown request signal is input through the wireless interface unit (221), the memory block (230)
The CPU (223) for reading the charge amount breakdown from (230) and transmitting it to the wireless signal receiving block (210) via the wireless interface unit (221), and the stored security program and amount charge management program, etc. RO provided to (223)
M (225) and RAM (22) for storing arithmetic data of the CPU (223).
4).

Further, in the memory block (230), the money amount data can be allocated and stored in separate storage areas, respectively, or can be stored in the same storage area. A separate storage area is allocated, an area for storing the breakdown of the charging amount is separately allocated, and a storage area for using personal information such as an access confirmation and an electronic identification card is separately allocated.

The non-contact block (240) senses a high-frequency signal from the card filling machine, converts it into a predetermined format, and charges the converted signal with money.
The predetermined format signal transmitted to the memory block (230) but output through the modulation / demodulation unit (241) in the non-contact block (240) is subjected to amount filling processing in the non-contact operation unit (242), and the amount is charged. After being generated as data, it is configured to be transmitted to and stored in the memory block (230).

Further, as a second embodiment of the money filling apparatus according to the present invention, as shown in FIG. 5, the non-contact operation unit (242) of the first embodiment is removed, and the non-contact operation unit (242) is removed. The above function can be performed by the CPU (223) of the arithmetic logic block (220). The arithmetic logic block (220) includes a wireless interface unit (221), a CPU (223), a RAM (224), and a ROM (225) similar to those of the first embodiment.
The modem (24) in the CPU (223) and the non-contact block (240)
It further comprises a non-contact interface unit (222) for transmitting and receiving data between 1).

The non-contact block (240) senses a high-frequency signal from the card filling machine and converts the signal into a predetermined format, and transmits the converted predetermined format signal to the arithmetic logic block (220). The modem unit (241) transmits the signal converted to a predetermined format to the non-contact interface unit (222) in the arithmetic logic block (220) so that the arithmetic logic block (220) performs the charge operation. Memory block (23) through CPU (223) inside
0) is configured to store the amount data.

The operation logic block (220), the memory block (230), and the non-contact block (240) of the first and second embodiments according to the present invention are configured in a single IC chip. Further, as a third embodiment of the money amount filling device according to the present invention, as shown in FIG. 6, similarly to the second embodiment, a radio signal receiving block (210), an arithmetic logic block (220), A memory block (230) and a non-contact block (240), wherein the arithmetic logic block (220)
Is further provided with an information processing unit (226) for encrypting the information received from the wireless communication carrier, such as charging, suspension of use, release of suspension of use, and updating of personal information, and supplying the encrypted information to the CPU (223). ing. Further, the information processing section (226)
It can be configured as a separate hardware, or can be configured to be built in the CPU (223) as a program.

Hereinafter, the operation of the money amount filling apparatus according to the present invention will be described. First, in the present invention, a wireless communication carrier needs to provide a deposit and withdrawal service to a subscriber in cooperation with a financial institution. That is, in the communication network of the money filling device according to the present invention,
As shown in Figure 3, wireless carriers have networks with exchanges, financial institutions, merchants, card companies and value added network (VAN) operators. The value-added communication network operator has a communication network with card filling stations, member stores, and financial institutions.

In order to fill a desired amount of money into an electronic card using such a communication network, a subscriber opens an account of a financial institution affiliated with a wireless communication carrier. Hereinafter, an operation of charging an electronic card with a desired amount using a communication network will be described. First, the subscriber uses a PC or telephone to charge an electronic card coupled to the wireless pager wirelessly. For example, in the case of using a telephone, when the number of the own calling device is called using the telephone, a call request signal is input to the wireless communication carrier system through the exchange.

Next, the wireless communication carrier system includes:
Judge whether it is a usable number, and if it is a usable number, execute the automatic answering function to call 'telephone number', 'voice memo', ..., 'fill money', 'stop use', An auto-answer voice message is sent to the calling subscriber through the switching center to request selections such as 'unsubscribe' and 'update personal information'.

Therefore, when the subscriber tries to fill the electronic card with a desired amount and presses a numeric key or a symbol key corresponding to “amount filling”, the wireless communication carrier system provides:
Judging that it is a request for 'charge amount', execute an automatic response function so as to input the desired charge amount of the subscriber, and when the subscriber has input a number corresponding to the desired charge amount,
After sensing this, a voice message is transmitted to the subscriber to select whether to end. At this time, 'Amount filling'
If is selected, the user is required to enter the encryption at the beginning of the operation, or to enter the encryption when the numeric key for the desired charge is pressed.

Further, when the subscriber desires another service, when the corresponding key is pressed, an automatic response function for the corresponding system is executed from the wireless communication carrier system. As described above, when the subscriber selects the “charge amount” mode and inputs a desired charge amount, the wireless communication carrier system includes:
A request is made via a value-added communication network (VAN) or a communication network with a directly affiliated financial institution to determine whether the subscriber's account can be filled with the desired amount. Calls the subscriber's wireless pager.

1) A method of charging money using a wireless system will be described below with reference to the drawings. First, the first and second embodiments of the present invention
The operation of the money amount filling device according to the embodiment will be described below.
First, when a call is input to the wireless calling device, the received signal is converted into a digital signal from the high frequency processing section (211) of the wireless signal receiving block (210) and transmitted to the microcomputer (215). Then, the input / output interface unit (215a) in the microcomputer (215) receives the digital output signal from the high frequency processing unit (211) and transmits it to the CPU (215c) in the microcomputer (215).

Next, the CPU (215c) searches for the presence / absence of a signal of a predetermined pattern to determine whether it is general wireless calling or money filling information. As a result, the predetermined pattern corresponding to the money filling information is determined. When there is no signal, the CPU (215c) converts the signal into a number or a character and passes it through the input / output interface (215a) to the display unit (213c). ) To inform the subscriber of the call information.

Then, as a result of the judgment, the high frequency processing section (21
If there is a signal of a predetermined pattern corresponding to the money filling information in the signal pattern received from 1) and it is determined that the money filling information, the CPU (215c) adapts to the arithmetic logic block (220). The information is rearranged in a predetermined format to determine whether a transmission error has occurred.
If it is determined that a transmission error has occurred,
The CPU (215c) transmits a transmission error signal (for example, '2001') to the display unit (213) via the input / output interface unit (215a), and at the same time, a specific audio signal corresponding to the transmission error message. Is transmitted to the tone signal generator (214) to generate a voice for notifying the subscriber that an error has occurred.
Therefore, when the subscriber hears a voice message from the wireless communication carrier side and sets the retransmission mode, the wireless communication carrier system sends out the amount filling information again.

If there is no transmission error, the CPU (215
In c), the money amount information rearranged in a predetermined format is transmitted to the arithmetic logic block (220) via the arithmetic logic interface (215b). In this case, the CPU (223) in the arithmetic logic block (220) receives the wireless signal reception block (210) received via the wireless interface unit (221).
Is compared with the serial number of the radio signal receiving block (210) stored in the memory block (230), and when they do not match, the CPU (223) invalidates The user is determined to be a user, and the currently transmitted amount filling information is invalidated.

Also, the result of the comparison, the radio signal receiving block
If the serial numbers of (210) match, the CPU (223) determines whether the information is money filling information or usage stop information.
The counter value included in the amount charging information transmitted from 10) is read, and it is determined whether or not the counter value matches the counter value of the function for decryption.

When the counter values do not match, the CPU (223) generates a counter value error signal (for example, '2004') and sends the signal to the wireless interface unit (221) via the wireless interface unit (221). The display unit (213) and the tone signal generation unit (214) in the reception block (210) are notified that a counter value error has occurred. On the other hand, when the counter values match, the CPU (223) decodes the amount filling information input from the radio signal receiving block (210) as a function of the corresponding counter value based on the counter value, and After generating the unique key value and amount data, the memory block (2
30) Compare whether it matches the subscriber-specific key value stored in.

As a result of the comparison, if the subscriber-specific key values match, the CPU (223) checks the amount storage area in the memory block (230), and then sums the current balance and the current amount data. Then, it is determined whether the sum is equal to or more than a predetermined amount. At this time, if it is determined that the total amount is equal to or more than a predetermined amount, for example,
If the memory block (230) is programmed so that it can be filled up to '990,000 yen', the sum of the charged amount and the remaining amount stored in the memory block (230) will be summed up. The CPU (223) transmits the overflow signal (for example, '2003') to the wireless signal receiving block (210) via the wireless interface unit (221).

Next, the radio signal receiving block (210)
Receives the overflow signal via the arithmetic logic interface unit (215b), and receives the overflow signal from the input / output interface unit (215a).
Then, a sound is generated from the tone signal generator (214), and the memory block (230) is notified that the chargeable amount has been exceeded. If it is determined that the total amount is equal to or less than the predetermined amount, the arithmetic logic block (220) determines the current charging amount, a value obtained by adding up the contents of a plurality of charging amounts by recent wireless communication, and a radio signal receiving block. The total charge included in the charge information transmitted from (210) is compared with the total charge, and if they match, the current charge is stored in the memory block (230).

At this time, the memory block (230) stores a plurality of recent money transfer information and order information, and the CPU (223) of the arithmetic logic block (220) sets the counter value to "1". Increase by one. Further, when an error occurs when the calculation logic block (220) receives the amount filling information and performs the calculation, a signal (for example, '2002') indicating the calculation error is transmitted to the wireless interface unit (221). The signal is transmitted to the radio signal receiving block (210) through the display unit and displayed on the display unit (213), and the tone signal generation unit (2)
14) Generates a voice to inform the subscriber that a calculation error has occurred.

As described above, the money charging operation using the wireless communication according to the present invention is performed similarly in the first and second embodiments. Hereinafter, the money amount filling operation according to the third embodiment of the present invention will be described. In the terminal according to the third embodiment of the present invention, a specific key value provided by a wireless communication carrier and a specific key provided by a financial institution such as a bank are stored in advance.

First, a process of registering a secret number provided by a financial institution (for example, a bank) when purchasing a terminal will be described. The subscriber opens an account with a financial institution (for example, a bank) to which the wireless communication carrier and the communication network are connected, purchases a terminal combined with a money filling card from the wireless communication carrier or an agency, and makes an account. Give the number. Wireless carriers,
The serial number of the corresponding terminal and the chip unique number built in the terminal are confirmed and registered in the wireless communication carrier system.

Thereafter, the wireless communication carrier checks whether or not an account has been opened from the bank, and if the account has been opened, registers the secret number with the encrypted secret number provided by the bank. A pattern (eg, '1010') is added and transmitted to the subscriber terminal. At this time, the subscriber terminal determines from the microcomputer (215) of the wireless signal receiving block (210) that the information is not general wireless call information, rearranges the information according to the ISO standard, and then executes the arithmetic logic block (2).
20). The arithmetic block (220) determines the presence or absence of a transmission error after determining that the pattern is a secret number pattern. If it is determined that a transmission error has occurred, the arithmetic logic block (220) outputs a checksum error message conforming to the ISO standard. The signal is transmitted to the radio signal receiving block (210). In the wireless signal receiving block (210), the microcomputer (2
15) The transmission error message (for example,
'[11] -ERR') is displayed and an error sound is sent to the tone signal generator (214).

Accordingly, the wireless communication carrier is informed that registration of the secret number has failed, and a request is made to retransmit the encrypted secret number provided by the bank. (220) Information processing unit (226)
Decrypts the encrypted secret number into the original secret number using the specific key value of the bank stored in the specific area of the memory block (230), and stores the decrypted secret number in the memory block (230). ) In the specified area.

Thereafter, the operation logic block (220)
The wireless signal receiving block (2
10), the radio signal receiving block (210)
The microcomputer (215) displays' [O on the display (213).
[K] 'is displayed to indicate that the amount can be charged. Thereafter, when the subscriber uses the card built into the terminal to charge money, the subscriber receives the primary and secondary money charging signals and charges money. The process will be described in detail below.

First, the subscriber presses his / her calling number using a PC or telephone, and inputs a number for selecting a money filling mode in accordance with the automatic response voice guidance provided by the wireless communication carrier. After that, the subscriber enters his / her secret number, enters a desired charge amount, and presses a specific button of the terminal in response to a request from the wireless communication carrier, and the information is encrypted on the display unit (213). The counter value is displayed, and the counter value is input.

Next, an authentication operation is performed by the wireless communication carrier, and the primary amount charging information in which the subscriber's desired charging amount is encrypted is transmitted from the bank account. Thus, said 1
When receiving the next filling information, the wireless signal receiving block (210)
The high frequency processing section (211) converts the received signal into a digital signal and transmits it to the microcomputer (215). Thereafter, in the microcomputer (215), when a call signal is transmitted from the input / output interface unit (215a) to the CPU (215c), the CPU (215c) searches for the presence / absence of a signal of a predetermined pattern, and performs a general wireless call. Or the information to be transmitted to the arithmetic logic block (220).

As a result of the determination, when it is determined that a signal of a predetermined pattern exists and is information to be transmitted to the arithmetic logic block (220), the CPU (215c) sends the information to the arithmetic logic interface unit (215b). The arithmetic logic interface unit (215b) transmits the arithmetic logic block (22
The signal is rearranged in accordance with the ISO-7816 standard having a signal form conforming to (0), and transmitted to the arithmetic logic block (220).

At this time, the operation logic block (22
The wireless interface unit (221) receives information transmitted from the microcomputer (215) and receives the information from the CPU.
(223), the CPU (223) checksums (che
ck sum) bits to determine if the transmitted signal was correctly transmitted. If it is determined that there is a checksum error, the CPU (223) generates a checksum error message and transmits it to the microcomputer (215) through the wireless interface unit (221).

At this time, the microcomputer (21)
5) When receiving the checksum error message from the arithmetic logic block via the arithmetic logic interface unit (215b), the CPU (215c) determines that a transmission error has occurred and activates the input / output interface unit (215a). Then, a transmission error occurrence display command is transmitted to the display unit (213).

Accordingly, a transmission error message (for example, '[11] -ERR') is displayed on the display unit (213). At this time, the subscriber presses the number ('11') displayed on the display unit (213) to notify the wireless communication carrier of the occurrence of the transmission error and request retransmission of the information. And
If it is determined that the error is not a checksum error, the CPU (223) of the arithmetic logic block (220) determines that the information is primary charge information, and specifies the primary charge information as a memory block (230) identification. Store it as is in the area.

At this time, the CPU (223) is a memory block
The information below the predetermined pattern signal ('1010') is extracted from the primary charge information stored in (230), judged as the transmitted charge request amount, and stored in a specific area of the memory block (230). The total amount is calculated by adding the remaining balance (wireless charging + non-contact charging). Then, the CPU (223) determines whether or not the sum exceeds the filling limit set in a specific area in the memory block (230). As a result of the judgment,
If the total amount exceeds the filling limit, the CPU (223)
Is displayed on the display (213)
The microcomputer (215) is instructed to display '[22] -ERR'). At this time, the subscriber
Pressing the number ('22') displayed in (213) informs the wireless carrier of the occurrence of a charge limit excess error, and pressing the specific button on the terminal to display the balance breakdown on the display (213) Thereafter, the chargeable amount is determined and re-entered.

If the sum of the required charging amount and the remaining amount does not exceed the maximum filling amount, the CPU (223) determines the required charging amount in the transmitted data and the specific area of the memory block (230). The actual counter value and the chip unique number are arranged in accordance with the prescribed method, and the encryption key value provided in advance by the wireless communication carrier is set as the encryption key value of the information processing section (226).

At this time, the information processing section (226)
A part of the values arranged from the CPU (223) and an initial value stored in a specific area of the memory block (230) are read out and encrypted when the chip is issued. And the CPU (223)
Of the encrypted result values from the information processing unit (226),
A comparison is made between a predetermined portion and a value of a part of the primary amount filling information transmitted by the call.

If the results of the comparison do not match each other, the CPU (223) determines that an authentication error has occurred, and displays
13) The authentication error message (for example, '[33] -ERR
') Display the signal to display the radio signal reception block (21
0). After that, the subscriber, the display unit (213)
Press the number ('33') displayed in (1) to notify the wireless communication carrier that an authentication error has occurred, and request retransmission of the primary charge information.

Further, when an error occurs during the processing of the CPU (223), a signal for displaying a processing error message ('44 -ERR ') on the display unit (213) is transmitted to the radio signal receiving block. (210). Next, the subscriber presses the number ('44') displayed on the display unit (213) to notify the wireless communication carrier that a processing error has occurred, and requests retransmission of the primary charge information.

If a part of the value of the primary amount filling information matches a part of the value encrypted from the information processing section (226), the CPU (223) sets the memory block (230). The bank secret number, the required charging amount and the chip unique number stored in a specific area of the memory block (230) are arranged in accordance with a prescribed rule, and are provided by the bank when issuing the chip stored in the specific area of the memory block (230). After encrypting using the specified key value, a part (or all) of the result value is converted into a decimal number.

After that, the CPU (223) transmits the filling information (requested amount of money, random variable of the wireless communication carrier) transmitted by radio, the chip unique number stored in the memory block (230), and the decimal number. After encrypting the converted specific number and converting a part (or all) of the result value into a decimal number, the CPU (223) encrypts the value with a specific key value from the bank and converts it into a decimal number. The converted result value and the result value converted into a decimal number by performing encryption with a specific key value given by the wireless communication carrier are stored in a specific area of the memory block (230).

At this time, the CPU (223) sends a message indicating that the primary charge information has been successfully encrypted to the microcomputer (21) via the radio interface unit (221).
5) to the CPU (215c). The CPU (215c) instructs the CPU (223) to issue an instruction requesting the result value. Thereafter, the CPU (223) transmits the two types of decimal converted values stored in the specific area of the memory block (230) to the microcomputer (215) via the wireless interface unit (221), and 215c).

Therefore, the CPU (215c) transmits to the display unit (213) the decimal conversion value and a command for displaying an icon-shaped character display of “filling” in the upper or lower row of the value. A command for generating a voice corresponding to the status message is transmitted to the tone signal generator (214). And
In the operation logic block (220), since the primary amount filling information has been successfully encrypted, the CPU (223) disables the current normal state flag in the area indicating the card state in the memory block (230), and temporarily stores the information. Enable the abort flag.

Further, the decimal value displayed on the display unit (213) is maintained in the display state until the secondary amount filling information or the filling cancellation information is received, so that the button is inoperative. . Then, after the character string “filling” is displayed on the display unit (213), a predetermined time (for example, 1
After the elapse of (minutes), the character is changed to "refill" by the control of the microcomputer (215) to inform that the secondary amount can be charged.

At this time, the subscriber presses the decimal conversion value displayed on the display unit (213) transmitted from the wireless communication carrier and transmits it to the wireless communication carrier. Thereafter, the wireless communication carrier performs an authentication process on the number input by the subscriber, and when it is determined that the number cannot be authenticated, checks the number displayed on the display unit (213) again. To the subscriber in an automatic response voice message.

Thereafter, the wireless communication carrier performs an authentication process on the number input by the subscriber and, if the number is authenticated, transmits secondary amount charging information and transmits the secondary amount charge information. The subscriber is notified by an automatic answering voice message that the filling information has been transmitted. At this time, the subscriber terminal receives the secondary charge information from the radio signal receiving block (210), converts the calling signal into digital information in the high frequency processing unit (211), and sends it to the microcomputer (215). The data is transmitted to the CPU (215c) via the input / output interface (215a).

Therefore, the CPU (215c) determines the presence or absence of the transmission pattern ('1010') and determines whether the information is general wireless information or information to be transmitted to the arithmetic logic block (220). In this case, the CPU (215c) determines that the signal is a secondary amount filling signal,
The information is matched according to the 7816 standard and transmitted to the arithmetic logic block (220) via the arithmetic logic interface (215b).

At this time, the operation logic block (22
0), when the information transmitted from the microcomputer (215) through the wireless interface unit (221) is transmitted to the CPU (223), the CPU (223) checksum (check su).
m) Search for an error to determine the presence or absence of a transmission error. Also, if the result of the determination is that there is a transmission error,
The CPU (223) transmits a transmission error message (for example, '[11]
A command for generating an error sound is transmitted to the microcomputer (215) through the tone signal generation unit (214) while displaying -ERR ') on the display unit (213), but for a predetermined time (about 10 seconds). , The decimal value is displayed again on the display (213).

Further, if there is no transmission error as a result of the determination, the CPU (223) transmits a signal of a predetermined pattern (`101
0 ') The following bits are read out and recognized as the secondary charge information, the specific variable included in the secondary charge information, the chip unique number stored in the specific area of the memory block (230), and the charging request. Arrange the decimal conversion value encrypted with the amount and the specific key value provided by the bank, and process the information
In 6), the arranged data is encrypted with a specific key value given by the bank.

At this time, in the CPU (223), all the encrypted data included in the secondary price information transmitted from the wireless communication carrier side is the value encrypted by the information processing section (226). Or, compare whether they are the same as a part. The comparison result,
If it is determined that they are not the same value, the CPU (223) displays an authentication error message (for example, '[33] -ERR') on the display unit.
A command for causing (213) to display for a predetermined time (for example, about 10 seconds) is transmitted to the microcomputer (215).

If it is determined that the values are the same as a result of the comparison, the CPU (223) sets the charge amount and the transmission date to RA.
After being stored in M (224), the sum of the remaining amount and the charge amount stored in the specific area of the memory block (230) is stored in the specific area, and the temporary amount of the specific area of the memory block (230) is temporarily stored. Disable the suspend flag and enable the normal flag.

The CPU (223) stores the charge amount and the transmission date in a breakdown confirmation area of the charge amount allocated in the memory block (230). Then, the CPU (22
3) generates a status message indicating that the desired amount has been successfully filled, and transmits it to the microcomputer (215) together with the amount of money and the transmission date stored in the RAM (224).

At this time, the microcomputer (21)
In 5), the CPU (215c) erased the decimal value and displayed the charge amount and transmission date for a certain period of time (approximately 10 seconds), and displayed 'filling or refilling'. The display unit (213) issues a command to erase the icon-like character and display the character “Complete” for a certain period of time (about 10 seconds).
To be transmitted.

As a result, the subscriber recognizes that the desired amount has been successfully charged. On the other hand, after the primary amount filling process is completed, there is a case where the 'amount canceling call' is performed during the secondary amount filling process, which is performed by a wireless carrier and a financial institution (eg, a bank). ) Is not possible to communicate with the primary amount filling process and 2
In the case where the withdrawal from the subscriber's account is made during the process of charging the next amount and the desired amount of the subscriber becomes insufficient, the terminal of the subscriber receiving the primary amount filling information is temporarily suspended. This is because it cannot be used anymore.

Therefore, the wireless communication carrier transmits a signal for canceling the primary charge information in order to cancel the temporary suspension state of the terminal. At this time, the subscriber terminal, which has received the encrypted charge reversal information from the wireless communication carrier, performs the same process as the encryption process when charging the money, and determines whether or not there is a transmission error. If a transmission error occurs, the CPU (223) instructs the microcomputer (215) to display a transmission error message (for example, '[11] -ERR') on the display unit (213). Then, the subscriber is requested to retransmit.

If the result of the determination is that there is no transmission error, the received money charge cancellation information is transmitted to the arithmetic logic block (220), and the arithmetic logic block (2)
After calling and arranging from the CPU (223) of 20) the random variable of the wireless communication carrier included in the money charge cancellation information, the primary money charge information stored in the memory block (230) and the chip unique number, Then, the specific key value of the wireless communication carrier is designated as the encryption key value, and the information processing unit (226) performs encryption.

At this time, the CPU (223) compares the result value encrypted by the information processing section (226) with the encrypted data included in the received money amount cancellation information. . When the comparison result shows that the comparison values do not match, the CPU (223) issues a command for displaying an authentication error message (for example, '[33] -ERR') on the display unit (213). To be transmitted.

Further, when the comparison result shows that the comparison values match, the CPU (223) deletes the decimal conversion value displayed on the display unit (213) because the cancellation of the amount filling has been completed. Is transmitted to the microcomputer (215), and the temporary stop flag of the memory block (230) is disabled. Thereafter, the CPU (223) stores the money charge cancellation information in a specific area of the memory block (230) and returns the subscriber terminal to a usable state.

In this manner, the currently transmitted primary charge information is erased and all the filling operations are completed, but the user can restart the charge operation thereafter. In other words, in the money filling method according to the present invention, the primary and secondary money filling processes by wireless communication are all successfully performed, and only when the money filling is completed, the money filling is performed in the counter value encryption process. Do not enable revocation information.

When the money filling process is performed, the contents of the primary money filling signal and the secondary money filling signal are stored in an arbitrary specific area in the memory block (230).
The status message is stored according to whether only the primary amount filling call has been made, whether the secondary amount filling call has been made, and whether the amount filling cancel call has occurred.

This is because when the wireless communication carrier visits the wireless communication carrier due to an authentication error or a failure, the wireless communication service provider compares his / her own information with the information stored in the terminal to easily determine the state of the terminal. This is to enable smooth A / S execution. Further, in the present invention, the subscriber presses a specific button provided on the terminal to display the counter value stored in the specific area in the memory block (230) on the display unit (213). The new counter value is incremented each time the memory block (230) is filled or used.

That is, when the amount is charged using a wireless method or when the amount is charged at a general filling station, the arithmetic logic block (220) resets the counter value stored in the memory block (230) to '. Increase by 1 '. For example,
If the card is used to get on the subway, the counter value is increased by '2' because it is necessary to pass through the reader when getting on and pass through the reader when getting off.

In this case, when the reader fails to read the card, the card is read again, so that the counter value is increased by '2'. That is, until the card is read from the reader and the transaction is completely completed, the counter value is increased by the number of times of reading from the reader. The counter value that is increased in such a process is provided as an authentication value to the wireless communication carrier during the charging process, and when the subscriber presses the button by mistake, the information is transmitted to the wireless communication carrier. Is suppressed.

The counted value is displayed on the display unit (2
13) When displayed in, it is encrypted and displayed. The encryption process will be described below. First, when the subscriber checks the counter value in order to charge money using the wireless method,
When a specific button provided on the key input unit (212) of the terminal is pressed, a counter value request command is transmitted to the CPU (215c) of the microcomputer (215).

At this time, when the CPU (215c) notifies the arithmetic logic block (220) that a command for requesting a counter value has been input, the arithmetic logic block (220)
In the CPU (223), the data stored in the memory block (230)
After reading the hexadecimal counter value and converting it to a binary value, the resulting value is divided into multiple groups and the binary sum of each group is performed.

Thereafter, the CPU (223) determines whether or not a sum charge cancellation call has been received (for example, “ 1 ', otherwise,' 0 ') is added, and the result value and one of the chip unique number stored in the memory block (230) or one of the initial value at the time of encryption are added. Performs a logical operation on the result and converts the binary value of the result into a decimal number.

At this time, when the decimal value is transmitted from the CPU (223) to the microcomputer (215), the CPU (215)
In step c), the display is displayed on the display unit (213), so that the subscriber transmits the counter value displayed on the display unit (213) to the wireless communication carrier so as to use the counter value displayed in the authentication process when charging the amount. I do. 2) Hereinafter, the money filling operation using the filling machine according to the present invention will be described.

First, the portable terminal is placed at the filling position of the card filling machine, and after paying the desired filling amount, the desired filling amount is input to the card filling machine to request filling. Then, the card filling machine checks whether or not filling is possible in accordance with a prescribed authentication procedure. As a result, when filling is possible, a signal for the charged amount is generated, and the non-contact block (240) is operated by the modem. The charge amount data detected from (241) is stored in the memory block (230).

At this time, the process of storing the charging amount differs between the first embodiment and the second embodiment according to the presence or absence of the non-contact operation section (242) in the non-contact block (240). Will be First, as in the first embodiment according to the present invention,
If there is a non-contact operation unit (242), a non-contact operation unit (242)
Stores the charge amount data directly in the memory block (230).

When there is a non-contact operation section (242) as in the second and third embodiments according to the present invention, the non-contact interface section in the operation logic block (220) is provided.
The charge amount data is stored in the memory block (230) through (222) and the CPU (223). After the money filling process is completed, when the user presses the money confirmation button on the personal terminal, the input is transmitted from the microcomputer (215) to the arithmetic logic (220). At this time, the arithmetic logic block (220) reads out the information of the total amount and the details of the filling by the radio or the filling machine from the memory block (230) and transmits the information to the radio signal receiving block (210).

Therefore, the radio signal receiving block (210)
The microcomputer (215) displays the charge amount information transmitted from the arithmetic logic block (220) on the display unit (213).
To inform the subscriber of the current charge amount and the breakdown of the charge amount. 3) The operation of using an electronic card filled with a desired amount of money as described above will be described below.

First, after paying a public transportation fee or purchasing a product, a portable radio paging device having a built-in electronic card is brought into contact with a card reader in order to pay the price.
Between the card reader and the portable wireless caller,
The payment process is performed by transmitting and receiving the card type, the card-specific authentication key value, the payment data, and the confirmation signal.

Such a payment settlement process is performed in the first and second cases according to the presence or absence of the non-contact operation unit (242) in the non-contact block (240).
This is performed differently in the second and third embodiments. First, as in the first embodiment according to the present invention, the non-contact operation unit
If there is (242), the amount data in the memory block (230) is read directly from the non-contact operation unit (242), and the amount data corresponding to the payment amount is modulated and demodulated by the non-contact block (240).
(241) is transmitted to the reader to settle the price.

When there is no non-contact operation section (242) as in the second and third embodiments according to the present invention, the memory block (230) is passed through the CPU (223) in the operation logic block (220). In the amount data storage area in (), the amount data corresponding to the payment amount is transmitted to the modem (241) of the non-contact block (240) via the non-contact interface (222), and the amount data is transmitted to the card reader. Settle the price by transmitting.

4) An operation of ending the operation of filling the amount of money or using the amount of money and then confirming the breakdown of the amount of money or the remaining amount will be described below. That is, according to the present invention,
In the first to third embodiments, when the user presses a specific button of the portable wireless paging device in order to check the current remaining balance, the wireless signal receiving block (210) determines this and calculates an arithmetic logic block. Transmit to (220).

At this time, the operation logic block (22
0), the stored amount data is read out and transmitted to the wireless signal receiving block (210), and the microcomputer (215) of the wireless signal receiving block (210) executes an arithmetic logic block. The current balance transmitted from (220) is displayed on the display unit (213).

Then, in order to confirm the breakdown of the charged amount,
When the user presses a specific button on the key input section (212) of the portable wireless calling device, the CPU of the wireless signal receiving block (210)
Determine this from (215) and calculate logic block (220)
To be transmitted. At this time, the operation logic block (22
The order information and the charge amount stored in the memory block (230) are called from the CPU (223) in (0) and transmitted to the radio signal receiving block (210).

Thereafter, the radio signal receiving block (210)
The microcomputer (215) in the unit sequentially displays the details of the charge amount information transmitted from the arithmetic logic block (220) on the display unit (213). Further, according to the present invention, when a terminal is lost, use stop can be set to stop use of the terminal, and when the terminal is found, use stop can be released.

5) Hereinafter, a process of stopping the use of the terminal will be described. First, when the subscriber calls his calling number,
A call request signal is input to the wireless carrier system through the exchange. Next, the wireless communication carrier system performs an automatic answering function, and calls "call a telephone number", "voice memo",..., "Charge", "stop use", "cancel use stop", and "personal use". A voice message for requesting a selection such as 'information update' is transmitted to the calling subscriber via the switching center.

At this time, when the subscriber presses a numeric key corresponding to "stop use", the wireless communication carrier system which has determined that the request is "stop use" requests the subscriber to input an encryption. When the encryption is inputted from the subscriber, the encryption is compared with the already stored encryption, and if they match, a use stop signal is called to the corresponding paging device through the exchange.

Then, in the radio signal receiving block (210) of the subscriber's radio pager, the signal from the radio communication carrier system is amplified by the high frequency processing section (211) and converted into a digital signal. ) Is transmitted to the CPU (215c) via the input / output interface (215a).
At this time, if it is determined that the use stop signal,
The CPU (215c) rearranges the use stop signal into a predetermined format compatible with the arithmetic logic block (220) and transmits it to the arithmetic logic block (220) via the arithmetic logic interface (215b).

Thereafter, the CP of the arithmetic logic block (220)
In U (223), the serial number of the wireless signal receiving block (210) is extracted from the transmission signal of the wireless signal receiving block (210) received via the wireless interface unit (221) and stored in the memory block (230). If the numbers match, the control is automatically performed so that the charge amount information is not transmitted.

Therefore, in the first embodiment according to the present invention, the arithmetic logic block (220)
The operation of (230) is disabled, and the second operation according to the present invention is performed.
In the embodiment, the operation of the memory block (230) is disabled from the arithmetic logic block (220), and the modem (241) is controlled by controlling the non-contact block (240).
Stop the function of.

Therefore, the use of the electronic card connected to the radio pager can be stopped. On the other hand, the above operation is performed in the same process as the signal flow in FIG. 4, but this will be briefly described below. First, when a wireless signal is received, it is determined from the wireless signal receiving block (210) whether it is general call information or money filling information.

At this time, if the charge information is the charge information, the charge signal information is rearranged from the radio signal receiving block (210) into a predetermined format and transmitted to the arithmetic logic block (220). The information is decrypted to extract the serial number of the wireless signal receiving block and the subscriber-specific key value.
Thereafter, the CPU (223) compares the decoded serial number of the wireless signal receiving block (210) with the serial number of the wireless signal receiving block (210) already stored in the memory block (230) and matches them. In this case, it is determined that the request is a legitimate amount charging request, and the amount is charged into the memory block (230).

If it is determined that the received radio signal is a use stop signal, the radio signal receiving block (210) rearranges the signal and transmits it to the arithmetic logic block (220). At this time, the CPU (223) of the arithmetic logic block (220) decodes the transmitted signal, extracts the serial number of the wireless signal receiving block (210), and stores the serial number and the memory block (230). Compare with the stored sequence number.

As a result of the comparison, if the serial numbers match,
The CPU (223) judges that the use of the card has been stopped, disables the memory block (230), controls the non-contact block (240), and modulates the modem (241).
To stop using the electronic card. In addition, to explain the use suspension process according to the third embodiment of the present invention, first, if the wireless communication carrier that has received the use suspension request is determined to be a valid subscriber through the authentication process,
The encryption value including the deactivation pattern, the encryption value, the specific variable, and the transmission date is transmitted to the deactivation information together with the checksum information.

At this time, when the transmitted use stop information is received from the radio signal receiving block (210) of the subscriber terminal and transmitted to the arithmetic logic block (220), the CPU (22)
In 3), a specific variable is extracted and compared with the specific variable included in the previous use stop information stored in the memory block (230). As a result of the comparison, when the variable currently transmitted from the wireless carrier is the same as or smaller than the variable previously transmitted from the wireless carrier, the CPU (223) determines that the signal is not a valid signal. Without setting the terminal use stop state, the authentication error message (for example,
The command to display '[33] -ERR') is transmitted to the microcomputer (215).

However, as a result of the comparison, when the currently transmitted specific variable is larger than the previously transmitted specific variable, the CPU (223) stores the chip unique number and the use stop information in the memory block (230). The specified variables and the transmission date are arranged according to the rules, and the information processing unit (226) encrypts the arranged data using a specific key value provided by the wireless communication carrier.

At this time, the CPU (223) compares whether or not the encrypted value included in the usage suspension information matches part or all of the result value processed by the information processing unit (226). As a result of the comparison, when the encryption values do not match, the CPU (223) enables the use stop flag in the memory block (230), and stores the use stop information and the use stop information processing result in the memory block (230). After storing the value, the processing result value is transmitted to the microcomputer (215).

Next, the microcomputer (215)
Transmits a command to display the icon-shaped "stop" to the display unit (213). By performing such an operation, the use of the terminal can be stopped. 6) When a lost terminal is found, it is necessary to release the use stop state of the terminal. The method will be described below.

First, in the case of the first and second embodiments, after establishing communication with the wireless communication carrier, pressing the numeric key corresponding to “cancel use suspension” causes the wireless carrier to “use suspension”. Judging that it is a request for 'cancel', requesting the subscriber to input the encryption, when the encryption is input from the subscriber, it is compared with the already stored encryption, and if they match, the wireless communication system And sends the suspension release information to the corresponding paging device via the exchange.

At this time, in the radio signal receiving block (210) of the subscriber terminal, the signal from the radio communication carrier system is amplified by the high frequency processing section (211) and converted into a digital signal. The data is transmitted to the CPU (215c) through the input / output interface (215a) in the inside. Thereafter, in the CPU (215c), when it is determined that the received signal is the use stop signal, the arithmetic logic block (22
0) is rearranged into a predetermined format conforming to (0), and transmitted to the arithmetic logic block (220) through the arithmetic logic interface (215b).

At this time, the operation logic block (22
The CPU (223) of (0) extracts the serial number of the wireless signal receiving block (210) from the transmission signal from the wireless signal receiving block (210) received via the wireless interface unit (221), and Compare with the sequence number stored in (230). As a result of the comparison, if the serial numbers match, the CPU (22
In 3), the memory block (230) or the non-contact block (240) is controlled to enable the transmission of the charge amount information.

That is, in the case of the first embodiment according to the present invention, the operation logic block (220) is replaced with the memory block (2).
30) is enabled, and in the case of the second embodiment according to the present invention, the modulation / demodulation unit (241) provided in the arithmetic logic block (220) to the memory block (230) and the non-contact block (240) is used. Enable the function. Thus, the suspension of the use of the electronic card coupled to the wireless calling device is completed.

In the case of the third embodiment according to the present invention, when the wireless communication carrier receives a request from a subscriber to release the suspension of use, and is determined to be a valid subscriber through an authentication process, It sends out usage suspension information including the usage suspension release pattern, specific variables, encryption value, and transmission date. Next, in the subscriber's terminal receiving the use suspension release information transmitted from the wireless communication carrier, the previous use stored in the memory block (230) from the CPU (223) of the arithmetic logic block (220) is performed. The specific variable included in the suspension release information is compared with the specific variable included in the currently transmitted suspension release information.

As a result of the comparison, only when the currently transmitted specific variable is larger than the specific variable in the previous use suspension release information, the CPU (223) performs the operation of release of suspension from use in the same manner as the “suspension stop” setting process. Do. However, if it is determined that the request is for release of suspension, the CPU (223) disables the suspension flag in the memory block (230), enables the normal state flag, and displays the display unit (213).
Is transmitted to the microcomputer (215) for erasing the word "stop" displayed in (2).

As a result, the subscriber's terminal is ready for use. Further, in the third embodiment according to the present invention, when the use suspension or use suspension release information is first received, since there is no variable value from the wireless communication business side in the memory block (230), the current wireless communication Using the specific variable value transmitted from the service provider, the use of the terminal or the suspension of the use of the terminal is set.

At this time, after the use stop or use stop release process is performed, the resulting value is stored in the memory block (230). This is because the previously used use stop or use stop release information is transmitted again. This is to prevent the suspension of use or the release of suspension of use from being performed. If the subscriber cannot find the lost device,
If the visitor of the wireless communication company cancels the terminal and desires the money filling service, a new terminal may be purchased and registered.

7) In addition, when registering or updating personal information, in the first and second embodiments, an operation similar to the “use stop” process is performed.
At U (223), the personal information stored in the specific area of the memory block (230) is updated. Further, in the third embodiment according to the present invention, the process of registering or updating
When the checksums match, the personal information stored in a specific area of the memory block (230) is read from the CPU (223) based on the data decoded by the information processing unit (226). Update.

8) On the other hand, in the third embodiment according to the present invention, when charging the money, stopping and canceling the use, updating the personal information, etc. in the same process as the flow of the signals in FIGS. The information transmitted from the telecommunications carrier is encrypted or decrypted. In this case, for example, 'Triple
An algorithm called DES 'can be applied. Here, the 'Triple DES' algorithm is referred to as' DES
'Is used three times to perform encryption or decryption, and is a technology for encrypting or decrypting data using a specific key value.

Therefore, when registering a secret number and updating personal information, the wireless communication carrier performs encryption as shown in FIG. 9 (A), and the subscriber terminal performs the encryption as shown in FIG. 9 (B). The decoding is performed as shown in (). In addition, in the case of charge filling, suspension of use, and release of suspension of use, encryption is performed from the wireless communication carrier side as shown in FIG.
As shown in (B), decoding is performed, and the corresponding operation is advanced using the processing result value.

Further, according to the present invention, an electronic card can be built in a portable terminal and can be integrally formed. However, as shown in FIG. 11 or FIG. Therefore, it can be configured as an integral type. FIG. 11 is an exemplary diagram illustrating a case where the portable terminal is a personal calling device, and FIG. 12 is an exemplary diagram illustrating a case where the portable terminal is a portable telephone.

In the configuration shown in FIG. 11 or FIG. 12, when it is necessary to charge the money, check the balance, check the charged money, etc., insert the electronic card into the groove formed in the portable terminal. Thus, the connector of the electronic card is matched with the connector provided on the portable terminal. Therefore, the user can perform operations such as charging the amount of money, checking the remaining amount, and checking the amount of the charged amount in the manner described above.

That is, the electronic card can be inserted into the portable terminal and the corresponding function can be executed only when functions such as charging of money, confirmation of remaining money, and confirmation of breakdown of charged money are required. In this case, if the portable terminal is a portable telephone as shown in FIG. 12, the high-frequency receiving unit (211) in FIG.
It is composed of a transmission / reception circuit for performing bidirectional communication instead of unidirectional communication.

On the other hand, if an error occurs during the money charging operation, the user presses a character or a number corresponding to the error message displayed on the display unit (213) one by one to notify the wireless communication carrier, and notify the wireless communication carrier. The user analyzes transmission data from the user and retransmits data corresponding to the result to the user. However, when the portable terminal is a portable telephone, when an authentication error or a calculation error occurs during the charging operation, the user directly inputs the characters or numbers displayed on the display unit (213). Without need,
The microcomputer (2
15) Alternatively, by judging this from the CPU (223), an error message can be directly transmitted to the wireless communication carrier, and the money charging operation can be performed.

[0121]

As described above, in the money filling apparatus and the method thereof according to the present invention, together with the money filling machine,
Since the desired amount can be charged into the electronic card by using the wireless communication, there is an effect that the trouble such as the direct visit of the subscriber to the charging station can be eliminated and the convenience can be achieved. In addition, when the wireless terminal is lost, the use of the card can be stopped wirelessly, so that there is an effect that the financial loss can be easily prevented. Furthermore, since personal information and the like can be changed together with the charging and cancellation of the amount, there is an effect that the convenience of the user can be achieved.

[Brief description of the drawings]

FIG. 1 is a block diagram of a money amount filling device according to a first embodiment of the present invention.

FIG. 2 is a block diagram of the microcomputer of FIG.

FIG. 3 is a configuration diagram of a network for implementing the present invention.

FIG. 4 is a signal processing flowchart according to the money amount filling method of the present invention.

FIG. 5 is a block diagram of a money amount filling device according to a second embodiment of the present invention.

FIG. 6 is a block diagram of a money amount filling device according to a third embodiment of the present invention.

FIG. 7 is a signal processing flowchart (part 1) according to a third embodiment of the present invention.

FIG. 8 is a signal processing flowchart (part 2) according to the third embodiment of the present invention.

FIGS. 9A and 9B show encryption according to a third embodiment of the present invention.
FIG. 3 is an exemplary diagram (part 1) illustrating a decoding structure;

FIGS. 10A and 10B are illustrations (part 2) showing an encryption / decryption structure according to the third embodiment of the present invention.

FIG. 11 is an exemplary diagram (part 1) illustrating a case where a separation-type electronic card according to the present invention is used.

FIG. 12 is an exemplary diagram (part 2) illustrating a case where the separation-type electronic card according to the present invention is used.

[Explanation of symbols]

 210: Radio signal receiving block 211: High frequency processing unit 212: Key input unit 213: Display unit 214: Tone signal generating unit 215: Microcomputer 220: Arithmetic logic block 221: Wireless interface unit 222: Non-contact interface unit 223: CPU 224 ... RAM 225 ROM 226 Information processing unit 230 Memory block 240 Non-contact block 241 Modulation / demodulation unit 242 Non-contact calculation unit

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 432 G06F 17/60 432Z 506 506 510 510 G07F 7/08 G07F 7/08 L F term (reference) 3E044 BA04 CA06 DD01 DE01 5B049 CC39 EE02 EE05 EE21 EE25 FF04 FF06 FF09 GG03 GG06 5B055 BB12 EE02 EE03 EE13 HA01 HA14 HA17 HC17 JJ03 KK05 KK18 5B058 CA17 KA40 YA06

Claims (33)

[Claims] An electronic card is integrated with a portable terminal so as to fill the electronic card with a desired amount by using a wireless communication or a filling machine. apparatus. 2. The money filling device according to claim 1, wherein the electronic card is provided with a separate unit for using personal information. 3. A wireless signal receiving block that receives a wireless signal to determine whether the information is general wireless calling information or amount filling information, a memory block that stores a charging amount breakdown and authentication information, and the wireless signal receiving. The charge amount information transmitted from the block is searched, and when the charge amount information is valid, an operation logic block for storing the charge amount data extracted from the charge amount information in the memory block, and a charge from the card filling machine. A non-contact block which stores an amount of money in the memory block and reads and pays the amount of charge of the memory block at the time of settlement. 4. The arithmetic logic block is configured to store desired amount data in the memory block only when all the primary and secondary amount filling information has been received from the wireless signal receiving block. The money amount filling device according to claim 3. 5. The radio signal receiving block, a key input unit for inputting an arbitrary key signal, a display unit for displaying general radio call information or money filling information in characters or numbers, and an output of a high frequency processing unit. Read the signal, if it is general wireless call information, directly transmitted to the display unit, if it is the money filling information or if it is a filling amount breakdown confirmation key signal from the key input, these After transmitting to the arithmetic logic block, control means for receiving the corresponding filling breakdown information and displaying it on the display unit, a tone signal generating unit for generating a ringing sound or an error sound at the time of money filling by the control means, 4. The amount charging device according to claim 3, wherein the device comprises: 6. The control means searches for a signal of a predetermined pattern in an output signal of the high frequency processing unit,
It is determined whether or not it is general wireless information or money filling information, and if it is determined that there is a signal of a predetermined pattern and the money filling information, the information is converted into a predetermined format compatible with the arithmetic logic block. Rearrange and determine whether there is a transmission error, and as a result, when there is no transmission error,
The money filling apparatus according to claim 5, wherein the rearranged information is transmitted to the arithmetic logic block. 7. The non-contact block, a modulation / demodulation unit for transmitting / receiving a signal to / from a card filling machine or a card reader, storing a charge amount data from the modulation / demodulation unit in a memory block at the time of charge, and 4. The money filling device according to claim 3, further comprising: a non-contact arithmetic unit that reads out the money amount data stored in the memory block and transmits the data to the modulation / demodulation unit. 8. The arithmetic logic block, when the various authentication information extracted at the time of charging the amount matches the various authentication information already stored and determines that the subscriber is a valid subscriber, determines the remaining amount of the memory block. When the sum is equal to or less than a predetermined amount, the charged amount data is stored in the memory block, and when the sum is equal to or more than the predetermined amount, data for error display and error sound generation is wirelessly transmitted. 4. The money filling device according to claim 3, comprising: a control unit for transmitting the signal to the signal receiving block; and a wireless interface unit for transmitting and receiving data between the wireless signal receiving block and the control unit. 9. The control means decodes an output signal from a radio signal receiving block, extracts authentication information when it is determined that the signal is a use stop signal, and compares the authentication information with the already stored authentication information. 9. The money filling device according to claim 8, wherein the memory block is disabled to stop using the card when the two match. 10. A wireless signal receiving block for receiving a wireless signal to determine whether it is general wireless calling information or money filling information, a memory block for storing a charge amount breakdown and authentication information, a card filling machine, A modem unit for performing signal transmission and reception, when it is determined that various authentication information extracted from the money filling information transmitted from the wireless signal receiving block at the time of money filling is valid, the corresponding filling money data is It is stored in a memory block, the charge amount data from the modem is stored in the memory block, and at the time of payment, the amount data corresponding to the settlement price confirmed from the modem is read from the memory block and paid through the modem. An amount filling device comprising: an operation logic block; 11. The arithmetic logic block receives first and second charge information from a radio signal receiving block, and stores the charge data in the memory block only when all the charge information is valid. 11. The money amount filling device according to claim 10, wherein: 12. The method according to claim 12, wherein the arithmetic logic block is configured to temporarily suspend use of the terminal when receiving valid primary amount charging information from the wireless signal receiving block. A money filling device according to 10 or 11. 13. The apparatus according to claim 12, wherein the operation logic block is configured to release the temporary stop state when receiving the money charge cancellation information from the wireless signal receiving block during the money charge operation. Amount filling device. 14. The arithmetic logic block decodes the charging amount information by wireless communication and stores the charging amount data in a memory block if the subscriber is a valid subscriber, and stores the charging amount data by non-contact. Control means for storing the data in the memory block and reading out the confirmed payment amount at the time of payment and transmitting the data through the non-contact interface unit; and for performing data transmission and reception between the wireless signal receiving block and the control means. 12. A wireless interface unit, comprising: a non-contact interface unit for transmitting and receiving signals between the modem unit and the control unit.
A money filling device according to claim 1. 15. When the control unit determines that the output signal from the radio signal reception block is a valid use stop signal, the control unit disables the operation of the memory block and stops the operation of the modem unit. 15. The system according to claim 14, wherein the use of the card is stopped.
A money filling device according to claim 1. 16. An apparatus in which a portable terminal and an electronic card are combined, a high-frequency processing means for converting a radio signal into a received digital signal, and a modulation / demodulation means for transmitting / receiving a signal to / from a card filling machine or a card reader. And a memory block for storing the charge amount breakdown, authentication information, and receiving an output signal from the high-frequency processing means, if it is determined that the charge amount information, the various extracted from the charge amount information When the authentication information matches the various authentication information already stored, the corresponding charge amount data is stored in the memory block, and the charge amount data input via the modem is checked and stored in the memory block. ,
At the time of payment, a control means for reading and paying the payment data of the payment value confirmed by the modulation / demodulation means from the memory block, and comprising: a payment means. 17. A method of storing money in an electronic card using wireless communication or a card filling machine, comprising: when a wireless signal is received, determining whether the money charging information is present, As a result of the determination, when it is the charge information, the second step of extracting various authentication information to determine whether the user is a valid subscriber, and when the determination result indicates that the user is a valid subscriber, the authentication information is extracted from the charge information. A third step of storing data by money; and sequentially performing the following. 18. The method according to claim 17, wherein the first step of determining the amount charging information includes determining that the received wireless signal is the amount charging information when a signal of a predetermined pattern exists in the received wireless signal. The indicated amount filling method. 19. The second step of judging various kinds of authentication information includes: a first step of extracting a serial number of a radio signal receiving block from money amount filling information and judging whether or not the serial number matches an already stored serial number; If the result of the determination is that the serial numbers match, a second step of reading the counter value included in the amount filling information and determining whether or not the counter value matches the counter value of the previously stored function for decryption, As a result, a unique key value extracted through a series of decryption processes in which the counter values match, a third process of determining whether the unique key value already stored matches, and when the unique key value matches, 18. The money charging method according to claim 17, wherein the method is performed including a fourth step of determining that the subscriber is a valid subscriber. 20. A series of decryption processing of money filling information is performed when a counter value extracted from the money filling information matches a previously stored counter value for decryption. Item 19. The amount filling method according to Item 19. 21. The third step for storing the amount data includes, when it is determined that the subscriber is a legitimate subscriber, determining whether the current balance is equal to or less than a predetermined amount by adding a current balance and a charging amount. First
(1) If the total amount is equal to or less than a predetermined amount, the current charging amount, the total amount of a plurality of charging amounts by recent wireless communication, and the total amount included in the charging amount information by wireless communication. A second step of determining whether or not the same, and the third step of storing the charged amount data when the combined amount matches, and if the combined amount is equal to or more than a predetermined amount and does not match, 18. The method according to claim 17, further comprising: determining a money charge error and displaying the error. 22. When storing the charge amount data is completed,
18. The method according to claim 17, further comprising displaying a current charge amount and a breakdown of the charge amount. 23. A method of changing information of an electronic card using wireless communication, wherein if the information is not money filling information, a first step of determining whether or not use stop or release information has been received; A second step of extracting authentication information when the card is stopped or receiving the release information and comparing whether the information matches the already stored authentication information, and stopping the use of the card when the authentication information matches Or a third step of canceling the amount. 24. The method according to claim 23, wherein the authentication information of the second stage is a specific variable transmitted from a wireless communication carrier. 25. The method according to claim 24, wherein the specific variable is a serial number of a radio signal receiving block. 26. A method of storing an amount in an electronic card using wireless communication or a filling machine, comprising: a first step of determining whether or not the received information is update information of personal information when a wireless signal is received; As a result, when it is the update information of the personal information, a second step of extracting the specific variable and comparing it with the specific variable at the time of updating the previous personal information, and the currently transmitted specific variable is greater than the previous specific variable And a third step of updating the personal information, and wherein the method is performed. 27. A method of storing money in an electronic card using wireless communication or a filling machine, comprising: when money charge information is received, determining whether it is primary money charge information or not; The result of the determination, when the primary amount charging information, the primary amount charging information is authenticated, a second step of determining whether the signal is a valid signal, the determination result, a valid signal When it is determined that there is, the third stage of setting the suspension state and waiting for the reception of the secondary charge information, and upon receiving the secondary charge information, authenticates the secondary charge information and validates the secondary charge information. A fourth step of determining whether the signal is a valid signal, and a fifth step of charging the requested amount and converting to a usable state when the signal is determined to be a valid signal as a result of the determination. A method for charging money. 28. The method according to claim 27, further comprising the step of terminating the amount filling operation when receiving the valid amount filling cancellation information after receiving the primary amount filling information. Amount filling method. 29. In the authentication process of the second stage, a required charging amount is extracted from the primary amount charging information, and this is added to the remaining amount to determine whether or not the total amount is larger than the charging limit. A first step to perform, and when the total amount is the same as or smaller than the charging limit amount, encrypting with the specific key value already stored,
A second step of determining whether or not the value matches the specific value extracted from the primary amount charging information; and, if the encrypted value and the extracted value match as a result of the determination, filling the primary amount with the specific key value 28. The method according to claim 27, further comprising: encrypting the information, converting the information into a decimal number, and displaying the decimal converted value. 30. The encrypting operation of the third step comprises:
30. The money charging method according to claim 29, wherein the method is performed using a specific key value given from a second certification authority. 31. In the authentication process of the fourth step, data included in the secondary money amount filling information is arranged according to a prescribed rule,
A first step of encrypting with a specific value of a certification authority; a second step of determining whether the encrypted value matches an encrypted value included in the secondary amount filling information; 28. The money charging method according to claim 27, wherein when the encrypted values match, a third step of determining that the signal is a legitimate signal is performed. 32. The method according to claim 31, wherein the specific key value is provided by a second certification authority instead of a wireless communication carrier. 33. The method according to claim 30, wherein the specific key value is stored in advance.