KR100407654B1 - Optical payment system for automatic assessment of bus/tax fee - Google Patents

Abstract

The optical payment system for automatic bus / taxi fare collection is for automatic collection of bus / taxi fare by using a personal mobile terminal with an optical transceiver as a payment method for a card. The present invention inputs the card information into a personal portable terminal having an optical transceiver such as a mobile phone or a PDA, and connects the optical transmitter and receiver to the requesting means terminal for optical transmission and reception of the card information. The terminal for requesting means collects a fee from the received card information, records the collection, and transmits the bill to the bansa server or the card company server for payment processing. Therefore, the present invention can pay a bus or taxi fares using a mobile terminal as a payment means even without carrying a cash or a card, thereby providing a safer and more reliable credit transaction.

Description

Optical payment system for automatic assessment of bus / tax fee}

The present invention relates to bus or taxi fare collection belonging to IPC classification H04Q7 / 24, and more particularly, to automatically collect bus or taxi fare through the mobile terminal by embedding payment information in a mobile terminal equipped with an optical transceiver. A system for

Recently, as a payment method, a card (card) that is easy to use and carry is used more than cash. The types of cards vary depending on the type of payment, such as credit cards, cash cards, debit cards, and transportation cards. For example, a lot of cards are used to pay for goods in general stores or department stores. The card is also used to pay the bill after adding oil at a gas station or after eating at a restaurant. In recent years, cards can be used for transportation costs such as taxis, subways and buses. In addition, on-line e-commerce and ATMs / CDs can be used for cards. Like this, the number of card merchants have increased, and the types of payments that can be made with the card have also increased. Of course, there are also fields where cards are not yet used, such as tollgates, tunnel tolls, vending machines, and kiosks.

1 is a view showing a typical credit card payment system, showing a case where you need to pay for the goods in the general store.

The buyer delivers the credit card 11 in his possession to the seller. The credit card 11 is a magnetic card with a unique number and a user name engraved thereon. The seller recognizes the credit card information through the magnetic card reader of the credit card inquiry machine 12. The credit card inquiry machine 12 transmits the recognized credit card information to the van company system 13 to make an approval request. The credit card checker 12 and the bansa system 13 are connected through a dedicated line. The bansa system 13 applies the approval request received to the card company system 14 for the approval. The card company system 14 that receives the application for approval from the bansa system 13 checks whether the credit card is a bad card, the credit status of the credit card holder, the usage level of the credit card to be used, and checks the approval result. (13). Upon receiving the approval result from the card company system 14, the bansa system 13 notifies the credit card checker 12 of the store where the application for approval was first received. The store seller confirms the approval result and notifies the buyer. If the approval result is normal, the payment is completed by using the credit card by presenting the sales slip to the buyer for signature.

2 is a diagram illustrating a credit card payment system in a general electronic commerce, a cyber shopping mall 23 that provides goods or services, a terminal 22 of a customer who purchases goods or services by accessing the internet to the shopping mall 23, and a product. It consists of a payment gateway 24, a bansa 25 and a card company 26 involved in the financial relationship to.

The customer connects to the cyber shopping mall 23 by a terminal 22 connected to the Internet such as a computer and performs shopping. When the product is found to be purchased, the purchase intention is transmitted to the shopping mall 23. The customer inputs information of the credit card 21 possessed on the screen provided by the shopping mall 23, that is, card information such as a customer name, a card number, a password, and an expiration date. The shopping mall 23 transfers the card information presented by the customer to the payment gateway 24. The payment gateway 24 requests the approval through the card company 26 or the bansa 25 which is a payment institution for the transferred card information, and confirms the result and transmits the result to the shopping mall 23 where the transaction occurred. When the shopping mall 23 is notified that the payment processing is normally performed by the payment gateway 24, the shopping mall 23 completes the transaction by delivering the purchased goods.

On the other hand, electronic money is used as a new payment method besides cash or card. Electronic money can be divided into network type, IC type, and microelectronic money using telephone number. The network type is a method of storing the actual value of money in a specific database on the network and transferring it as needed when paying on-line and cannot be used off-line. IC card type electronic money is a Mondex card as a representative example. Electronic money for small payments using a phone number is registered in the relevant electronic money seller and when you purchase any goods or services on the Internet, you enter your mobile phone number instead of credit card information. This method is added to the mobile communication fee of the service.

However, such a credit card should always be carried in order to pay the cost, there is a risk of being used unfairly when lost. In addition, when using a credit card, it is easy to grasp an individual's credit information and is always exposed to improper use. And, the card can be easily duplicated due to the act of handing the card to the seller for card inquiry. As a result, the dispute between the user and the card company increases, and there is a problem that all responsibility is passed on to the user.

So, it is a precedent for a new optical payment system that can pay and pay the cost by inputting the card information into a personal portable terminal equipped with an optical transmitter or receiver such as a mobile phone or a PDA as an alternative to the magnetic card. Techniques are being presented.

An object of the present invention is to apply the payment method by the light payment to the fare collection when getting on and off the bus or taxi, a bus that can more conveniently pay for transportation costs without having to contact the card to the RF terminal installed at the bus entrance, etc. It is to provide a light payment system for automatic taxi fare collection.

1 is a block diagram showing a payment system using a general credit card,

2 is a view showing a credit card payment system in a typical e-commerce,

3 is a schematic view showing a light payment system according to the present invention;

4 is a block diagram showing a bus / taxi fare automatic collection system to which the payment method by the optical payment of the present invention is applied,

5 is a detailed configuration diagram illustrating an RF terminal for bus fare collection;

6a-b is a view showing the internal configuration of the Internet connection device and the connection state with the PC

7A-B are diagrams showing the internal configuration of the dial-up van connection device and the external connection state;

<Description of Symbols for Main Parts of Drawings>

540: mobile terminal (MU) 542: transmission terminal

546: bansa server 548: card company server

550: RF terminal 551: optical transmitter and receiver

552 control unit 553 recording unit (separate type)

A feature of the present invention for achieving the above object is a system for automatic bus / taxi toll collection, comprising a portable terminal for transmitting card information as an optical signal, and an optical transmitting and receiving unit for receiving and receiving the optical signal. Extracts card information from the collected optical signal, collects the fee, and includes an RF terminal for recording the collection history, and a transmission terminal connected to the RF terminal for transmitting the collected information for settlement processing. have.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

3 is a basic conceptual diagram of a payment system using an optical payment according to the present invention, which is largely divided into a card issuing system and a payment system. The card issuing system attaches the optical transmitter and receiver to the card issuing terminal of the card company and inputs the information of the credit card to the portable terminal of the card applicant with the optical receiver for data optical transmission.The card information is input to the battery pack of the portable terminal. The card is issued through a scheme of downloading a card's information to a mobile terminal through a wired and wireless network. The card issuing system consists of a card applicant 31, a card company issuing a card 36, and a relay station 37 which transmits the information of the issued card to the portable terminal possessed by the applicant 31 using the aforementioned methods. do. Of course, the role of the relay station 37 may be directly performed by the card company 36. A communication network 38 of a mobile communication company corresponding to the mobile terminal is connected between the relay station 37 and the applicant 31 for RF transmission of card information to the portable terminal possessed by the applicant 31. The card company 36 and the relay station 37 are connected through a telephone network (X.25). The payment system includes a mobile terminal 31 for optically transmitting the issued credit information, a credit inquiry terminal 33 for receiving credit information from a customer credit information signal transmitted by attaching an optical receiver 32 and a credit inquiry, and It consists of a payment institution 36 for credit confirmation and transaction approval. The payment institution 36 becomes a bank or a card company, and a transaction approval request is made through the bansa 35. The relay station 34 is selectively connected between the credit inquiry terminal 33 and the bansa 35 of the merchant.

The payment method by optical payment using the above portable terminal as a magnetic card can be applied to you. The present invention is applied to the bus or taxi fare automatic collection system, it is possible to automatically collect the fare without contacting the card to the fare collection terminal.

Figure 4 shows the configuration of the bus / taxi fare automatic collection system to which the payment method by the optical payment of the present invention is applied. The system shown in FIG. 4 is comprised of a mobile terminal (MU) 540, which is an optical payment means, and an RF terminal 550 for toll collection. The RF terminal 550 includes an optical transmitter / receiver 551 for receiving optical payment information, a controller 552 for controlling an operation for collecting a fee, and a recording unit 553 for recording the collection details. The recording section 553 is made detachable in the form of a pack. The detailed configuration of the RF terminal 550 is shown in FIG. The system of FIG. 4 is composed of a transmitting terminal 542 connected to the recording unit 553 and transmitting the collection details to the card company server 548 through the bansa server 546. The detailed configuration of the transmission terminal 542 is shown in Figs.

Customers who board a bus or taxi pay a fare. If the optical payment, the customer sends the optical payment information toward the optical transmission and reception unit 551 of the RF terminal 550 by using the portable terminal 540, which is an optical payment means. The optical transmitter / receiver 551 receives the optical payment information transmitted from the mobile terminal 540 of the customer who rides the vehicle and transmits the optical payment information to the controller 552. If the payment is made by an existing plastic card or an IC card such as a transportation card rather than an optical payment, the customer contacts the RF card with the RF card communication module 554 to RF card information. The RF card communication module 554 receives the transmitted RF card information and transmits it to the controller 552. The controller 552 checks whether the received card information is valid information. If the RF card information, the controller 552 checks the black list stored in the B / L data storage module 555 to check whether the information is valid. If the card information is valid information, the controller 552 displays the collection fee and the balance of the card on the display 557 through the user interface module 556. On the other hand, the controller 552 does not need to check a separate blacklist as long as it is optical payment information. In the payment method using the optical payment of the present invention, a blacklist check is performed in the portable terminal which is the optical payment means. In the case of payment by optical payment, the controller 552 displays the collection fee and the accumulated amount on the display 557 through the user interface module 556. Then, the controller 552 records the card details and the collection amount such as the amount in the recording unit 553.

The information recorded as described above is connected to the transmission terminal 542 by separating the recording unit 553 from the RF terminal 550 in the place where the transmission terminal 542 is installed. Here, the transmission terminal 542 uses the Internet connection device 520 shown in FIG. 6 or the dial-up van connection device 530 shown in FIG. The internet access device 520 allows the transaction history to be transmitted through the Internet without regional limitations. Referring to FIG. 6B, the Internet access device 520 is connected to a PC 526 which is accessible via the Internet through a cable. The Internet access unit 520 includes a memory connection unit 521 that can be connected to the recording unit 553 of the RF terminal 550, and an infrared I / F unit 522 that receives collection history data collected by infrared communication. . Dial-up Van (VAN) connections allow you to send collections over telephone lines instead of the Internet. Referring to Figure 7b, a telephone line is connected to one side of the connection device 530 prepared in the form of a box (box), and a plurality of couplings that can be coupled to a plurality of packs of recording unit 553 on the other side is provided. . In addition, LEDs are provided to correspond to each of the coupling spheres, so that the current processing state for each recording unit 553 pack is known.

The transmission terminal 542 using the Internet connection apparatus or the dial-up van connection apparatus as described above reads the collection information from the connected recorder 553 and transmits it to the bansa server 546. Bansa server 546 transfers the received collection history to the card company server 548. The transmitting terminal 542 deletes the recorded contents of the connected recorder 553 when the collection history data is successfully delivered.

As described above, the optical payment system for automatic bus / taxi fare collection includes the card information in a portable terminal equipped with an optical transceiver, and the card information in the form of infrared rays at the end of the fare collection means provided in the bus or taxi. You can collect fees even if you do not have to contact traffic cards. In addition, the charge collection history is recorded in a detachable pack, and the credit transaction environment is enabled by allowing only the pack to be connected to the transmitting terminal for payment processing. Therefore, the present invention can minimize the inconvenience of having a card or cash and can prevent the risk of loss, theft, or damage, and can provide convenience to customers to activate transactions in public transportation.

Claims (5)

In the system for automatic bus / cab fare collection, A mobile terminal for transmitting card information in an optical signal; An RF terminal having an optical transmitter and receiver for receiving the optical signal, extracting card information from the received optical signal, checking whether the information is valid information, and collecting a fee if it is confirmed as valid information; And And a transmission terminal connected in bulk with the RF terminal to transmit the recorded collection information for payment processing. The method of claim 1, wherein the RF terminal An optical transmitting / receiving unit for receiving card information in the form of an optical signal from a portable terminal of a customer on board; A detachable pack form recorder for recording the tolls; A control unit which checks whether the received card information is valid information and collects a fee when it is confirmed as valid information, and records the collection details in the recording unit; And And a display for displaying the collection fee and the accumulated amount under the control of the controller. delete The optical payment system of claim 1, wherein the transmission terminal is an Internet access device that receives the collection information recorded by the RF terminal and transmits the information over the Internet. The optical payment system of claim 1, wherein the transmission terminal is a dial-up van connection device for transmitting the collection information recorded by the RF terminal through a telephone line.