KR20110031684A - Electron payment settlement breaks down alarm service system amd the method - Google Patents

Abstract

The present invention relates to an electronic payment history notification service system and a method thereof, which relates to an electronic payment amount paid by a smart card when a user performs electronic payment through a traffic payment device installed at a predetermined place of transportation. (A) recording the information, (b) the smart card generates 'user payment information' including the payment amount, the payment location, and the payment time in the form of an SMS message, and the smart card (b) (C) transmitting the 'user payment information' generated through the electronic payment means providing server, and (d) receiving the 'user payment information' in the form of an SMS message from the smart card by the electronic payment means providing server; (E) the electronic payment means providing server searching for and extracting the recipient information from the receiver information DB according to the 'user payment information', and the electronic payment means providing server using the 'user payment information' (F) generating 'notification information', and (g) transmitting 'notification information' to the receiver terminal according to the personal information of the recipient extracted by the electronic payment means providing server.

Description

Electronic payment history notification service system and method thereof {ELECTRON PAYMENT SETTLEMENT BREAKS DOWN ALARM SERVICE SYSTEM AMD THE METHOD}

The present invention relates to an electronic payment history notification service system and method thereof, and more particularly, when the electronic payment amount charged in the smart card of the mobile terminal is used for transportation such as subway, bus, taxi, etc. The present invention relates to a technology for generating user payment information regarding a place, a payment time, etc. in the form of an SMS message, and transmitting the generated SMS message to a preset receiver terminal.

E-commerce, which has emerged due to the rapid development of information and communication technology, has created demand for payment means by a new method that improves the inconvenience of the existing currency or payment method. Accordingly, the concept of electronic payment means, that is, electronic money, has emerged. It was.

As is well known, electronic money is an advanced payment method in the electronic payment method that replaces existing money and credit card payment with the Internet in electronic commerce, and refers to replacing the role of money with only one electronic chip. It is one of the element technologies for electronic commerce along with electronic authentication, information security and encryption.It is a digital payment method that has the same value as coins or banknotes used for payment in real commerce. It is used to purchase goods or use services at offline merchants.

Electronic payment through a mobile terminal as described above, the user performs a payment through a mobile terminal with a built-in electronic chip (USIM: Universal Subscriber Identity Module), and when the electronic payment is completed accordingly, the memory of the mobile terminal The details of the payment are output in the form of a text message (SMS) by controlling the VM mounted in the virtual machine, and the output payment details are executed in the order in which the user recognizes the payment details.

The VM mounted on the mobile terminal performing the electronic payment collects information such as the balance details or traffic payment details charged in the electronic chip connected to the server performing the electronic payment. It is connected to the electronic payment execution server every set time (4 to 5 minutes).

Therefore, the electronic payment server increases the load on the network of the electronic payment server due to the connection with a plurality of mobile terminals, and the mobile terminal has a problem that the battery is rapidly exhausted as it is connected to the electronic payment server every set time. have.

The present invention has been made to solve the above problems, an object of the present invention, when the amount of electronic payments charged in the USIM chip of the user terminal is deducted according to the use of transportation means, the USIM chip payment place, payment time, etc. An object of the present invention is to provide a service for easily recognizing a user's mobile situation by generating user payment information about an SMS message and transmitting the generated SMS message from a user terminal to a preset receiver terminal.

In addition, the VM mounted in the user terminal does not perform communication for information exchange by connecting to the server every preset time, and checks whether the smart card (USIM chip) is deducted from the electronic payment amount charged therein at the preset time. By generating an SMS message, the network load is minimized, the battery of the user terminal is prevented in advance, and the SMS message is transmitted to the user terminal and the receiver terminal at a time corresponding to the real time.

The electronic payment history notification service system of the present invention for achieving the technical problem, performs the electronic payment through the traffic payment device, generates 'user payment information' according to the electronic payment in the form of SMS, the user terminal The electronic card that receives the 'user payment information' from the smart card and smart card embedded in the card, searches for a preset recipient based on the 'user payment information', and generates and sends 'notification information' to the preset receiver terminal. It includes a payment means providing server.

Hereinafter, the electronic payment details notification service method of the present invention based on the above-described system, the electronic payment by the smart card when the user performs the electronic payment through a traffic payment device installed at a predetermined place of the means of transportation (A) recording information on the amount of payment; and (b) generating, by the smart card, 'user payment information' including the payment amount, payment location, and payment time in the form of an SMS message; (c) transmitting the 'user payment information' generated through the step b) to the electronic payment means providing server, and receiving the 'user payment information' in the form of an SMS message from the smart card. Step (e) of retrieving and extracting recipient information from the recipient information DB according to the user payment information by the electronic payment means providing server; And a (g) step of transmitting a notification information "" as a receiver terminal in accordance with (f) generating, and privacy of the electronic payment server provides the extracted recipient "notification information" by using the ".

According to the present invention as described above, when the electronic payment amount charged in the USIM chip of the user terminal is deducted according to the use of the means of transportation, the user terminal as well as the user terminal information of the payment place, payment time, etc. By transmitting to the terminal, there is an effect of preventing the crime or disappearance of the protection target including children and the elderly.

In addition, the smart card of the user terminal generates an SMS message by checking whether the electronic payment amount charged therein is set at a predetermined time, thereby minimizing network load, preventing the user terminal from running out of battery, and in real time. It is effective to send an SMS message to the user terminal and the receiver terminal at the corresponding time.

Specific features and advantages of the present invention will become more apparent from the following detailed description based on the accompanying drawings. Prior to this, terms and words used in the present specification and claims are to be interpreted in accordance with the technical idea of the present invention based on the principle that the inventor can properly define the concept of the term in order to explain his invention in the best way. It should be interpreted in terms of meaning and concept. It is to be noted that the detailed description of known functions and constructions related to the present invention is omitted when it is determined that the gist of the present invention may be unnecessarily blurred.

1 is a block diagram showing an electronic payment history notification service system (S) according to the present invention, the traffic payment device (A), the user terminal 100, the electronic payment means providing server 200 and the receiver as shown It comprises a terminal 300.

Hereinafter, the description will be omitted, but information transmitted between the user terminal 100, the electronic payment means providing server 200, and the receiver terminal 300 according to the present invention is made through an information communication network including a wired and wireless network. Assume that

Traffic payment device (A) is to perform the electronic payment through the RF communication with the user terminal 100 is connected, it is provided in a predetermined place of the transportation means including a subway, a bus, a taxi.

The smart card 110 of the user terminal 100 performs the electronic payment through the traffic payment device (A), a short message of the user payment information including the payment amount, payment place, payment time, etc. according to the electronic payment (Short Message Service: hereinafter, 'SMS') to generate and transmit to the electronic payment means providing server 200.

The user terminal 100 is a portable communication device, which can transmit data through an information communication network, such as a smart phone, a touch phone, a personal digital assistants phone, and a wireless broadband. Any one of an internet phone or a digital multimedia broadcasting phone may be used. However, the present invention is not limited thereto, and it is preferable that the present invention be understood as any terminal capable of mounting the smart card 110 therein.

As described above, in the technical concept of the user terminal according to the present invention, the smart card 110 of the user terminal 100 includes a payment amount, a payment place and a payment time when performing a traffic payment. Information 'is generated as an SMS message and transmitted to the electronic payment means providing server 200, so that the' user payment information 'is received by the receiver terminal 300. In general configuration of the user terminal 100 The description thereof will be omitted, and only the main parts for implementing the technical idea according to the present invention will be described.

Specifically, the smart card 110 of the user terminal 100 has a set period in which the electronic payment amount charged therein is deducted through the use of transportation means, that is, the electronic payment amount charged according to the connection with the traffic payment device A. It detects each time, and updates the deducted electronic payment amount and generates 'user payment history request information' requesting the payment amount details, payment place details, payment time details, and transmits them to the electronic payment means providing server 200.

 That is, the smart card 110, when an event such as an electronic payment through the traffic payment device (A) occurs, it recognizes this and configures the application to generate the 'user payment history request information' accordingly.

In addition, the confirmation of the charged electronic payment amount of the smart card 110 is assumed to be deducted according to the use of transportation means, but the present invention is not limited thereto. Set up to check the balance when uploading / downloading data, when RF signal is generated as a security card, or when using an accredited certificate according to banking / stock service, that is, when any event occurs due to the use of prepaid card service. It is possible.

In addition, the smart card 110 reads and records the information on the electronic payment amount, and is provided to be accommodated in the battery mounting surface of the terminal as shown in Figure 2, the present invention is not limited thereto. Bar, as shown in Figure 3 can also be set to be provided on the side of the terminal.

In addition, the smart card 110 transmits the user payment history request information for requesting the payment amount details, payment place details, payment time details according to the electronic payment amount update to the electronic payment means providing server 200, connected to the traffic payment A function of generating 'user payment information' including an updated payment amount, payment location, payment time, etc. by payment with the device A in the form of an SMS message.

That is, the smart card 110 constitutes an application for recognizing this when an event such as electronic payment through the traffic payment device A is generated and generating 'user payment information' accordingly. The smart card may include a subscriber identity module (SIM) card, a subscriber identity module (USIM) card, or a mega subscriber identity module (Mega SIM) with subscriber information. It consists of either.

The smart card 110 transmits the generated 'user payment information' in the form of the SMS message to the electronic payment means providing server 200, and transmits various information related to the electronic payment means providing server 200 and electronic payment. It performs the function of sending and receiving.

Meanwhile, the electronic payment means providing server 200 searches for a preset receiver by using 'user payment information' received from the user terminal 100 and generates 'notification information' accordingly to set the preset receiver terminal 300. As shown in FIG. 4, the communication unit 210 includes a communication unit 210, a receiver search unit 220, a notification information generation unit 230, and a control unit 240.

Specifically, the communication unit 210 receives the 'user payment information' in the form of SMS messages from the smart card 110 of the user terminal 100, and transmits the 'notification information' in the SMS form to the receiver terminal 300 Do this.

The recipient search unit 220 includes a user information DB 221 for storing and managing user personal information including a phone number of a user terminal and recipient personal information including a terminal number of a receiver according to the user personal information. That is, the receiver search unit 220 searches for the receiver information DB 221 and extracts personal information of a predetermined receiver according to 'user payment information' received from the user terminal 100 through the communication unit 210. Do this.

The notification information generation unit 230 uses the 'user payment information' received from the smart card 110 of the user terminal 100 through the communication unit 210, so-called payment amount, payment place and payment time of the user is displayed. In addition, it performs a function of generating 'notification information' in the form of an SMS message.

The controller 240 controls the communication unit 210, the receiver search unit 220, and the notification information generation unit 230 to transmit the 'notification information' to the receiver terminal P according to the extracted personal information of the receiver. Perform the function.

The electronic payment details notification service method using the above-described system S will be described with reference to FIG. 5 as follows.

FIG. 5 is a flowchart illustrating an electronic payment details notification service method according to an embodiment of the present invention. As shown in FIG. When the payment is performed, information about the electronic payment amount that is paid through the smart card 110 of the user terminal 100 is recorded (S100).

The smart card 110 of the user terminal 100 receives the information on the electronic payment amount updated according to the payment, and the 'user payment information' including the payment amount, payment location, payment time, etc. according to the payment is in the form of an SMS message. Generate (S200), smart card 110 transmits the generated 'user payment information' to the electronic payment means providing server 200 (S300).

Then, the communication unit 210 of the electronic payment means providing server 200 receives the 'user payment information' in the form of an SMS message from the smart card 110 of the user terminal 100 (S400), the receiver search unit 220 According to the received 'user payment information', the receiver information is extracted through the receiver information DB 221 search (S500).

Notification information generation unit 230 of the electronic payment means providing server 200 using the 'user payment information' received from the smart card 110 of the user terminal 100 through the communication unit 210, the payment amount of the user In addition, the so-called billing place and the payment time is displayed, generating a 'notification information' in the form of SMS messages (S600), the control unit 240 according to the extracted personal information of the recipient to the receiver terminal (P) the communication unit To transmit through 210 (S700).

As described above and described with reference to a preferred embodiment for illustrating the technical idea of the present invention, the present invention is not limited to the configuration and operation as shown and described as described above, it is a deviation from the scope of the technical idea It will be understood by those skilled in the art that many modifications and variations can be made to the invention without departing from the scope of the invention. Accordingly, all such suitable changes and modifications and equivalents should be considered to be within the scope of the present invention.

1 is a block diagram showing an electronic payment history notification service system of the present invention.

2 is a view showing the configuration of a smart card of the electronic payment history notification service system according to the present invention.

3 is a view showing another configuration of a smart card according to the electronic payment history notification service system of the present invention.

Figure 4 is a diagram showing the configuration of the electronic payment means providing server according to the electronic payment history notification service system of the present invention.

5 is a flowchart illustrating a method for notifying payment details of an electronic payment service of the present invention.

** Description of symbols for the main parts of the drawing **

S: Electronic payment history notification service system 100: User terminal

110: smart card 200: electronic payment means server

210: communication unit 220: recipient search unit

221: recipient information DB 230: notification information generation unit

240: control unit 300: receiver terminal

A: Traffic Payment Device

Claims (9)

In the electronic payment history notification service system performed through a traffic payment device installed in a predetermined place of the means of transportation, Performing an electronic payment through the traffic payment device, generating 'user payment information' according to the electronic payment in the form of an SMS, and a smart card embedded in a user terminal; And An electronic payment means providing server for receiving the 'user payment information' from the smart card, searching for a preset receiver based on the 'user payment information', generating 'notification information', and transmitting the generated notification information to a preset receiver terminal; Electronic payment history notification service system comprising a. The method of claim 1, The smart card, If the electronic payment amount charged therein is deducted from the charge of the electronic payment amount due to the connection with the traffic payment device through the use of transportation means, the amount of payment, details of the payment location, Generate the 'user payment history request information' requesting the payment time history and transmit to the electronic payment means providing server, Characterized in that the user payment information, including the payment amount, payment location, and payment time according to the information on the electronic payment amount updated in accordance with the payment in the form of an SMS message and transmits to the electronic payment means providing server Electronic Payment History Notification Service System. The method of claim 1, The electronic payment means providing server, A communication unit for receiving 'user payment information' in the form of an SMS message from the smart card and transmitting the 'notification information' in the form of an SMS to the receiver terminal; And a receiver information DB for storing and managing user personal information including a telephone number of the user terminal and receiver personal information including a terminal number of a receiver according to the user personal information, and received from the smart card through the communication unit. A receiver search unit for searching the receiver information DB and extracting personal information of a predetermined receiver according to the 'user payment information'; A notification information generation unit using the 'user payment information' received from the smart card through the communication unit to generate 'notification information' in the form of an SMS message indicating a payment amount, a payment location, and a payment time of the user; And A control unit for controlling the communication unit, the receiver search unit, and the notification information generation unit to transmit the 'notification information' to the receiver terminal according to the extracted personal information of the receiver; Electronic payment history notification service system comprising a. The method of claim 2, The smart card, Electronic payment history notification service system, characterized in that when the event occurs, such as electronic payment through the traffic payment device is configured to recognize and generate the 'user payment information' accordingly. The method of claim 2, The smart card, A subscriber identity module (SIM) card with subscriber information, a universal subscriber identity module (USIM) card, or a Mega subscriber identity module (Mega SIM) Electronic payment history reply service system. In the electronic payment history notification service method, (a) recording information on the electronic payment amount paid by the smart card when the user makes an electronic payment through a traffic payment device installed at a predetermined place of the vehicle; (b) the smart card generating 'user payment information' including a payment amount, a payment location, and a payment time in an SMS message form; (c) the smart card transmitting 'user payment information' generated through the step (b) to an electronic payment means providing server; (d) the electronic payment means providing server receiving 'user payment information' in the form of an SMS message from the smart card; (e) searching for and extracting receiver information from a receiver information DB according to the user payment information by the electronic payment means providing server; (f) the electronic payment means providing server generating 'notification information' using the 'user payment information'; And (g) transmitting the 'notification information' to the receiver terminal according to the receiver's personal information extracted by the electronic payment means providing server; Electronic payment history notification service method comprising a. The method of claim 6, The notification information, Electronic payment details notification service method characterized in that the SMS message displayed the payment amount, payment location and payment time of the user. The method of claim 6, The smart card, When the event occurs, such as electronic payment through the traffic payment device, electronic payment history notification service method, characterized in that the application is configured to generate the 'user payment information' accordingly. The method of claim 6, The smart card includes a subscriber identity module (SIM) card with subscriber information, a universal subscriber identity module (USIM) card, or a mega subscriber identity module (Mega SIM). Electronic payment history notification service method, characterized in that any one.

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