KR100407657B1 - Optical payment system in bulk - Google Patents

Abstract

The batch payment system is for collective payment of payment details when a personal mobile terminal with an optical transceiver is used as a payment means for a card. The present invention registers a phone number in a personal mobile terminal with a built-in optical transceiver such as a mobile phone or a PDA, and transmits and receives the registered phone number to approve the transaction and keeps the approved transaction. It is configured to. Therefore, the present invention can add the settlement price to the communication fee of the mobile terminal by using the mobile terminal as a payment means even without carrying a cash or card, thereby providing an effect that can promote a safer and more reliable credit transaction. do.

Description

Optical payment system in bulk}

The present invention relates to a batch payment system in vending machines, buses, subways, etc., belonging to IPC classification H04Q7 / 24. More specifically, transaction approval using a telephone number of a mobile terminal with an optical transceiver as ID. The present invention relates to an optical payment system for aggregating the received details and processing a batch payment.

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 areas 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.

By the way, such a credit card should always be carried for payment, there is a risk of being used unfairly. In addition, when using a credit card can easily grasp the individual's credit information has always been 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.

The payment method by optical payment using the above portable terminal as a magnetic card can be applied to the vending of vending machines, buses, subways, etc., where the card is not yet used. However, vending machines and transportation charges are small and often require transaction transactions, so it is impossible to implement a credit transaction environment that is approved by a van or credit card company whenever a transaction request is made.

Accordingly, an object of the present invention is to use a telephone number registered in a mobile terminal, which is an optical payment means, as an ID to approve a transaction in a vending machine, a bus, a subway, etc. To provide a payment system.

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;

Figure 4 is a block diagram showing an unmanned automatic sales system applied payment method by the optical payment of the present invention,

5 is a detailed configuration diagram showing the vending machine of FIG. 4;

6 is a flow chart for explaining the operation of the payment in the cost of the unmanned automatic sales system of FIG.

7 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,

8 is a detailed configuration diagram illustrating the RF terminal of FIG. 7;

9 is a block diagram showing an automatic subway fare collection system to which the payment method by the optical payment of the present invention is applied;

10 is a detailed configuration diagram illustrating the RF terminal of FIG. 9;

11 is a conceptual diagram showing a batch payment system using optical payment using a telephone number as an ID.

<Description of the symbols for the main parts of the drawings>

890: mobile terminal 892: optical receiver

894: Merchant 896: Counting Center

898 mobile carriers

A feature of the present invention for achieving the above object is a portable terminal for transmitting a registered telephone number with an authentication key as an optical signal and accumulating the received transaction amount in a batch processing system; Optical receiving means for receiving and approving the telephone number and authentication key of the optical signal transmitted from the portable terminal, storing the approved transaction details, and transferring the transaction amount to the portable terminal, and the transaction stored in the optical receiving means. Aggregate server that aggregates the details and stores the transaction history stored in the optical receiving means and transmits to the mobile communication company, and settles the payment for the transaction history transmitted from the aggregation server, and the settled price to the communication fee of the mobile terminal In addition, the present invention relates to an optical payment system including a billing settlement means of a mobile carrier .

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. The communication network 38 of the mobile communication company corresponding to the mobile terminal is connected between the relay station 37 and the applicant 31 so as to RF-transmit card information to the mobile terminal possessed by the applicant 31. The relay stations 37 are connected via 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.

FIG. 4 illustrates a case in which the optical payment method using the portable terminal as described above is applied to an unmanned vending machine installed in a building or a street, so that the user can use the same without having a coin or a small bill.

4 is a block diagram of an unmanned automatic sales system to which the payment method according to the present invention is applied. The system shown in FIG. 4 is comprised of a mobile terminal (MU) 410, which is an optical payment means, and a vending machine 420 having an optical transmission and reception unit 421 for receiving the optical payment information of the portable terminal 410. . The vending machine 420 includes a control unit 422 for controlling an operation for selling a product, and a recording unit 423 for recording sales details. The detailed configuration of the vending machine 420 is shown in FIG. The system of FIG. 4 includes an aggregator 412 for aggregating sales records recorded in the recorder 423 of the vending machine 420 distributed in different places, and a bansa / It is composed of a transmission terminal 414 for transmitting to the card company server (416, 418). An operation for payment in the unmanned automatic sales system having such a configuration will be described with reference to FIG. 6.

The customer pays for the purchase of goods (step 431). In the case of a coffee vending machine as an example, the customer pays the value assigned to the type of tea to be drinked. In the case of cash payment, the customer inputs the cash of the amount into the cash input unit 424 of the vending machine 420. In the case of the optical payment, the card information is transmitted as an optical signal through the portable terminal 410 which is the optical payment means. The optical transmitter / receiver 421 of the vending machine 420 receives an optical signal including card information and transmits the optical signal to the controller 422. The control unit 422 checks the payment of the optical payment (step 432), and checks whether the received card information is valid information (step 433). Checking the validity of the card information is made by itself without going through the card company 418. That is, the controller 422 registers card information corresponding to the bad transaction card information aka blacklist, and simply checks whether the received card information is included in the registered bad transaction card information to confirm whether it is valid. With this simple confirmation, each vending machine does not need to install a separate leased line for credit card information inquiry and transaction approval through the card company 418 or bansa 416, thereby making installation costs low. In addition, it is possible to secure the transaction by periodically updating the list of bad traders. Of course, the blacklist may be registered in the portable terminal 410 so that the portable terminal 410 does not make optical transmission of payment information so that it is not necessary to confirm whether the card information is valid. Such bad trader registration will be described later. If the payment is not made in step 432, it is determined whether an amount of money equal to or greater than the unit price of the product is input to the cash input unit 424 (step 434). If it is confirmed as valid information in step 433 or if an amount of money equal to or greater than the corresponding unit price of the product is input in step 434, the controller 422 displays a product withdrawal possible signal on the product selection unit 426 (step 435). The customer selects a desired product on the product selector 426 that can be withdrawn. The control unit 422 discharges the selected product (step 436). For example, when the customer selects "milk coffee", the controller 422 drives the coffee motor driver 429A, the sugar motor driver 429B, and the prim motor driver 429C to mix coffee, sugar, and cream. Milk coffee is put into the cup through the cup outlet 428 and discharged. In the case of cash payment, the control unit 422 calculates the change and returns the corresponding amount through the return unit 427. If the customer cancels the purchase of the product through the return input unit 425, the controller 422 returns the input amount through the return unit 427. When the customer withdraws the discharged product, the control unit 422 checks the light payment authorization again (step 437), and if it is the light payment, records the sales details in the recording unit 423 (step 438).

On the other hand, the vending machine 420 operator has a counting device 412 every predetermined period, go to the place where the vending machine 420 is installed and counts the sales. That is, the sales history recorded in the recording unit 423 is downloaded to the counting device 412 through the optical transmitter / receiver 421 of the vending machine 420. The operator aggregates all sales details for the vending machines distributed in several places, connects the counting device 412 to the transmission terminal 414, and transmits the request to the bansa server 416 for collective approval. The bansa server 416 transmits the sales request for the bulk approval to the card company server 418.

7 is a block diagram of a 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. 7 comprises 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. 7 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.

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. The transmitting terminal 542 reads the collection details from the connected recorder 553 and transmits the collected details to the bansa server 546. Bansa server 546 transfers the received collection history to the card company server 548.

On the other hand, Figure 9 shows the configuration of a subway fare automatic collection system to which the payment method by the light payment of the present invention is applied. The system shown in FIG. 9 comprises a portable terminal (MU) 560, which is an optical payment means, and an RF terminal 570 provided at a subway gate. The RF terminal 570 includes an optical transmitter / receiver 571 for receiving optical payment information, a controller 572 for controlling an operation for collecting subway fare, and a recording unit 573 for recording the collection history. The detailed configuration of the RF terminal 570 is shown in FIG. The system of FIG. 9 is composed of an aggregation server 562 which aggregates the collection history of the recording unit 573 arranged for each subway station and delivers the collected details to the batch card company server 564. Here, the aggregation server 562 is a central server for central control in connection with each subway station. In addition, since the fee is different for each subway section, information about the subway station boarded using the two-way optical transmission and reception unit 571 is input to the mobile terminal 560, so that the fee can be accurately collected at the subway station to get off.

The RF terminals 570 provided in the subway switchgear are connected to the central server in the station through the terminal computer communication module 576. To ride the subway, the customer transmits the card information to the optical transmission / reception unit 571 of the RF terminal 570 by using the portable terminal 560 in which the card information is embedded. The optical transmitter / receiver 571 receiving the message transmits the received card information to the controller 572. The controller 572 checks whether the transmitted card information is normal data of a predetermined protocol. If the data is normal, the controller 572 transmits information on the departure station, time information, and the like to the mobile terminal 560 through the optical transmitter / receiver 571. The mobile terminal 560 receives and temporarily stores the starting station information transmitted from the optical transmitter / receiver 571. The control unit 572 allows the customer to ride the subway through the switchgear. When the customer gets on the subway and arrives at the desired destination, the mobile station 560 stores the departure station information and transmits the departure station information together with the card information to the optical transmission / reception unit 571 of the RF terminal 570 provided at the switchgear of the arrival station. Transmit by signal. The optical transmitter / receiver 571 receives the departure station information together with the card information transmitted from the mobile terminal 560 and transmits the received station information to the controller 572. The controller 572 checks whether the transmitted card information is normal data of a predetermined protocol. If the data is normal, the controller 572 calculates a fare from the departure station to the arrival station, and displays the calculated amount and the used accumulated amount on the display 578 through the user interface module 577. The control unit 572 then records in the recording unit 573 the collection details such as card information, transaction date, fee, and accumulated amount.

The central server 562, which is an aggregation server, aggregates the transaction history recorded in the recording unit 573 of the RF terminal 570 installed at each subway station at a certain point in time. The central server 562 examines whether the aggregated transaction history and the transaction history recorded in the recorder 573 correspond, and if there is a match, transfers it to the card company 564 and requests collective approval, and then records all the contents of the record in the recorder 573. Clear it.

Of course, the customer may pay by using a subway ticket, which is another payment method, or by contacting the RF card communication module 574 with a plastic card or IC card such as a traffic card.

The case of using a phone number as an ID in a batch payment system such as a vending machine, a bus, and a subway will be described.

11 is a conceptual diagram of a batch payment system using optical payment using a telephone number as an ID.

A user possessing a portable terminal 890 with a built-in optical payment function selects a mobile communication company 898 as a credit institution when a transaction is required for batch payment. The user selects a credit institution from the optical payment menu of the mobile terminal 890 as the mobile communication company 898, and transmits a phone number and an authentication key registered in the mobile terminal 890 in the form of infrared rays by a button operation. The optical receiver 892 installed in an affiliated store 894 such as a vending machine, a bus, and a subway receives a phone number and an authentication key from the mobile terminal 890. The optical receiver 892 checks the received authentication key by using the decryption key, and checks whether the received telephone number is a unique number input when joining the communication network. When the optical receiver 892 is confirmed to be a unique number, it stores its transaction history after approval as its own authentication program. The optical receiver 892 transmits the transaction amount to the mobile terminal 890 in the form of infrared rays. The mobile terminal 890 accumulates the transferred transaction amount and stores it in a memory that can be controlled by the mobile communication company 898. The mobile terminal 890 may continue the credit transaction within the limit set by the mobile communication company 898. On the other hand, the operator transmits the stored transaction history to the aggregation center (896). The aggregation server of the aggregation center 896 aggregates the collected sales data and converts it into purchase data of the mobile communication company 898 and transmits it. The payment settlement means (not shown) within the mobile telecommunication company 898 pays the credited purchase price to the tally center 896 according to the payment cycle. The aggregation center 896 pays the credit sales price to each of the settled merchants when the payment is made from the mobile communication company 898. The mobile telecommunication company 898 charges the telecommunication charges with the credited amount calculated for a certain period of time and charges it on the settlement date determined by the user. Since the user pays the billed fee, the payment credit purchase by the optical payment using the telephone number as the ID is completed.

As described above, the batch payment system of the present invention approves the transaction to the phone number registered in the portable terminal with the optical transmitter and receiver and counts the approved transaction details so that the batch payment processing is performed. Even in the most frequently occurring areas, it is possible to establish a simple and secure credit environment. Therefore, the present invention can minimize the inconvenience of having a card or cash, and can prevent the risk of loss, theft, and damage, and can activate transactions while giving convenience to customers using vending machines, subways or buses.

Claims (3)

In the batch payment system, A mobile terminal for transmitting a registered telephone number with an authentication key as an optical signal during a transaction and accumulating and storing the received transaction amount; Optical receiving means for receiving and approving the telephone number and the authentication key of the optical signal transmitted from the portable terminal, storing the approved transaction details, and transferring the transaction amount to the portable terminal; An aggregation server which aggregates the transaction details stored in the optical reception means and transmits them to a mobile communication company; And And a payment settlement means of a mobile telecommunication company for billing the transaction details transmitted from the aggregation server and adding the calculated payment to the communication fee of the mobile terminal. The optical payment system of claim 1, wherein the portable terminal stores the accumulated transaction amount in a memory that can be controlled by the mobile communication company, and controls a credit transaction using a telephone number within a limit determined by the mobile communication company. According to claim 1, The optical receiving means checks the authentication key received by using a predetermined decryption key, and through this, if the received phone number is confirmed to be a unique number entered at the time of registration, the optical payment is approved as its own authentication program system.