KR100732989B1 - Mobile communication system with credit card service function using V card and its control method - Google Patents

Abstract

The present invention manages the VCARD information including credit card information and security authentication information, and transfers the VCARD containing credit card and security authentication information to an external device or transmits it in the infrared or transmits the radio call processing when the credit card is settled. The mobile communication terminal and the VCARD information including the credit card and security authentication information transmitted from the mobile communication terminal to the credit card company server to perform the authentication procedure, and then transfer and process payment approval details to the credit card terminal during authentication. The present invention provides a mobile communication system having a credit card service function using a VCARD comprising an MMS proxy relay server connected to a base station system and a control method thereof.

As described above, the present invention includes credit card information and security authentication information in the VCARD of the mobile communication terminal, and transmits the credit card information to the corresponding card company through the mobile communication network when paying for the credit card. Since the credit card information is used, the credit card function is not damaged by external physical force and the credit card payment can be processed quickly, thereby maximizing the additional usability of the terminal.

Credit Card, Magnetic Cable, VCARD, Infrared Port, MIME DATA

Description

Mobile communication system having a credit card service function using V card and its control method {} Mobile communication system having a credit card serviec function using a VCARD and controlling method therefore}

1 is an explanatory diagram illustrating a mobile communication system performing a conventional VCARD function.

2 is an explanatory diagram illustrating a mobile communication system equipped with a credit card service function using the present invention V-card.

3 is a flowchart of the present invention.

<Detailed Description of Codes>

1: Mobile communication terminal 2: Credit card company server

3: credit card terminal 4: MMS proxy relay server

5 display 6 wireless module

7: Main fisherman 8: Handset Phone

9: codec section 10: memory section

11: key panel portion 12: base station system portion

13: terminal 14: infrared port portion

15: infrared module unit

The present invention relates to a mobile communication system having a credit card service function using a VCARD and a control method thereof. In particular, the credit card function is damaged due to external physical force due to the use of credit card information embedded in the mobile communication terminal. The present invention relates to a mobile communication system equipped with a credit card service function using a VCARD that maximizes additional usability of a terminal, as well as a credit card payment process.

In general, SMS (Short Message Service) refers to a short message service that can send and receive short messages between mobile phone subscribers. This SMS service is a public network when a digital mobile phone subscriber sends a short sentence to another mobile phone subscriber in Korean or English. You can also receive messages via a data communications network or the Internet. In other words, it is a service method of transmitting a short message (SMS) at high speed from a PC connected through a TCP / IP network or a dedicated line, or to a mobile phone user connected to a mobile communication network (Cellular, PCS). The SMS service allows a digital mobile phone subscriber to send a short sentence in Korean or English words to another mobile phone subscriber to receive a message through a public telephone network, a communication network, or the Internet. In addition, although the SMS was initially started for data communication, its range of use is gradually being widened as a means of providing various information or payment method of electronic commerce. Recently, it has evolved into a multimedia message service (MMS) that can send and receive photo pictures, videos, etc. from text-based services. By the way, in recent years, using the SMS or MMS as described above, there is also the case of transmitting their own electronic contrast, that is, VCARD, which is the name of the industry standard for exchanging business cards or business cards through communication, The contents of this VCARD basically include the user's name, address information, date and time like a general business card, and optionally include a picture, a company logo, a sound clip and location information.

Then, referring to the conventional mobile communication system as described above with reference to FIG. 1, a base station 71 for wirelessly processing function signals transmitted from a plurality of terminals 70, for example, SMS messages with a call signal or a VCARD file attached thereto. And an MSC 72 for controlling a transmission function of an SMS message with a call signal or VCARD file input via the base station 71 and an SMS message connected to the MSC 72 to the terminal 70. It provides an SMS message center (73).

On the other hand, looking at the operation of the conventional mobile communication terminal as described above, if the user of the terminal 70 wants to transmit the information desired by the user, for example, attaching the VCARD file to the SMS message to the other terminal of the terminal 70 The user selects the corresponding menu displayed on the LCD panel 75 through the keypad 74 of the terminal 70 and inputs necessary characters. When the character input is completed through the above process, the user of the terminal 70 attaches the VCARD file stored in the internal memory as an attachment to the corresponding SMS message, and then presses the transmission button along with the destination phone number. . Then, the terminal 70 attaches the VCARD file to the SMS message inputted by the current user and transmits it to the base station 71.

Therefore, the SMS message of the terminal 70 is input to the SMS message center 73 via the base station 71 and the MSC 72 and stored. Then, the SMS message center 73 checks the destination phone number of the input SMS message and transmits it to the MSC 72. Then, the MSC 72 transmits the SMS message signal with the VCARD file attached from the SMS message center 73 to the counterpart mobile phone 76. Then, the counterpart terminal 76 analyzes the received SMS message signal and processes the received SMS message as an alarm signal set by the user and emits the message to the outside. When the user of the receiving terminal 76 wants to view the SMS contents to which the VCARD file is attached, the corresponding message contents are displayed on the display.

However, since the conventional mobile communication terminal is a method of simply embedding the VCARD, that is, the electronic card into the terminal, additional services required by the user, such as a credit card service, cannot be performed at all. Convenience was considerably deteriorated, and furthermore, if the terminal user possesses a physical credit card together with the terminal, the magnetic line of the credit card is damaged by the magnet installed inside the terminal, thereby making the credit card unusable. .

Therefore, the present invention was invented to solve the above problems, and includes credit card information and security authentication information in the VCARD of the mobile communication terminal, and transfers the credit card information to the card company through the telecommunication network when paying the credit card. An object of the present invention is to provide a mobile communication system equipped with a credit card service function using a VCARD for authentication and a control method thereof.

Another object of the present invention is that the credit card information contained in the VCARD card of the terminal when paying by credit card directly sent to the credit card terminal processing process so that the terminal user is processed immediately without waiting for a long time for credit card payment Accordingly, the present invention provides a mobile communication system equipped with a credit card service function using a VCARD and a method of controlling the same, which greatly improves the usability of the terminal.

In order to achieve the above object, the present invention manages VCARD information including credit card information and security authentication information, and transfers VCARD containing credit card and security authentication information to an external device or loads infrared light on payment of credit card. The mobile communication terminal that executes the wireless call processing and the VCARD information including the credit card and the security authentication information transmitted from the mobile communication terminal are transmitted to the credit card company server to perform the authentication process, and then the payment approval details during authentication. The present invention provides a mobile communication system having a credit card service function using a VCARD consisting of an MMS proxy relay server connected to a base station system unit for transmitting and processing a credit card terminal.

 Another feature of the present invention is the credit card information generation step of creating a VCARD file containing the credit card and security authentication information in the form of an attachment file in the MIME DATA when the credit card function is set in the mobile communication terminal, and the credit If the credit card service transfer command is set in the mobile terminal after the card information generation step, request the credit card service to transmit the MIME DATA generated by the terminal to the credit card company server via the MMS proxy relay server and wait for the result of the approval. And a credit card service function using a VCARD comprising a result confirming step of displaying, on the terminal display, a payment approval result received from the credit card company server via the MMS proxy relay server after the credit card service requesting step. A control method of a mobile communication system is provided.

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

As shown in FIG. 2, the present invention manages VCARD information including credit card information and security authentication information, and transmits VCARD including credit card and security authentication information to an external device or carries it in infrared rays when paying for credit card. And, the mobile communication terminal (1) for executing the radio call processing, and the VCARD information including the credit card and security authentication information transmitted from the mobile communication terminal 1 to the credit card company server (2) to perform the authentication procedure After performing the authentication includes a MMS (Multimedia messaging system) proxy relay server (4) connected to the base station system unit (3) for transmitting and processing the payment approval details to the credit card terminal (3).

The mobile communication terminal 1 is installed on a part of the body of the mobile communication terminal 1 and includes a display 5 for displaying various information signals therein, including a credit card service menu using a VCARD, and the MMS proxy. Wireless connection to the relay server (4) to create a VCARD file containing the VCARD or credit card and security authentication information, and transmit and receive in the form of an attachment to the MIME DATA, and processes the radio call signal transmitted and received in the mobile communication terminal (1) The wireless module unit 6 and the VCARD including the credit card and the security authentication information are transmitted to the credit card company server 2 through the MMS proxy relay server 4 to control the credit card service function so as to be authenticated. The main control unit 7 which displays the processing result on the display 5 and controls the overall function of the mobile communication terminal 1, and the handset phone 8 according to the call connection control signal of the main control unit 7; Through And the credit card and security authentication information according to the storage control signal of the codec unit 9 and the main control unit 7 which converts the analog voice signal inputted by the digital signal or converts the digital voice signal into an analog signal and outputs the analog signal. It includes a memory unit 10 for storing only the VCARD or VCARD information included, and stores a variety of information of the mobile communication terminal (1).

One end of the main control unit 7 is connected to a key panel unit 11 for inputting a user function setting signal to the main control unit 7.

Here, the MIME (Multipurpose Internet Mail Extensions) is one of the Internet standards, and is a simple mail for transmitting an Internet e-mail without the need to convert multimedia data such as text and images, audio, and video other than ASCII format to ASCII format. An extension of the transmission protocol (SMTP).

In addition, according to another embodiment of the present invention, the infrared port unit 14 capable of transmitting the VCARD including the credit card and the security authentication information generated in the terminal 1 to the infrared module unit 15 of the credit card terminal 3. It may be provided.

Next, a control method applied to the above apparatus will be described.

As shown in FIG. 3, the method of the present invention proceeds to the step S2 of checking the credit card function setting in the initial state S1 to confirm whether the credit card function is set in the current terminal. At this time, if the credit card function is not set in the terminal as a result of checking during the credit card function setting checking step (S2), the process proceeds to the general terminal function execution step (S3) to process the general function built in the terminal.

That is, when power is applied to the mobile communication terminal 1 of the present invention, the main control unit 7 of the mobile communication terminal 1 proceeds to an initial state to form necessary information from the memory unit 10 to execute the initialization process. Then proceed to standby.

At this time, the main control unit 7 of the terminal 1 recognizes when the user inputs the telephone number through the key panel unit 11 and presses the call button, and the telephone number input by the user to the memory unit 10. In addition to the storage, the system accesses the base station system unit 12 using the access channel through the wireless module unit 6, and then transmits an outgoing signal to the corresponding telephone number. Then, the base station system unit 12 processes the outgoing signal sent from the terminal 1 and transmits an incoming signal to the counterpart terminal 13 to form a call. Then, when the user of the terminal 1 inputs a voice signal through the handset phone 8, the codec unit 9 of the terminal 1 signals the voice signal input through the handset phone 8. Process and input to the wireless module unit (6). In addition, the wireless module unit 6 under the function control of the main control unit 7 of the terminal 1 wirelessly processes the voice signal input through the codec unit 9 and passes through the base station system unit 12. Since the transmission to the terminal 13 makes a normal call.

When the VCARD transmission function is set in the terminal 1 during the process, the main control unit 7 extracts only the attributes excluding the property related to the credit card information from the VCARD information stored in the memory unit 10. VCARD file (* .VCF) is then transmitted to the other terminal 13 through the radio module unit 6 and the base station system unit 12.

On the other hand, if the credit card function is set in the terminal as a result of checking the credit card function setting confirmation step (S2) proceeds to the credit card information generation step (S4) and the terminal creates a VCARD file containing the credit card and security authentication information Configured as an attachment file in MIME DATA. After the credit card information generation step S4, the process proceeds to a transmission execution check step S5 to check whether a credit card service transmission command is set in the terminal. At this time, if it is confirmed during the transmission execution confirmation step (S5) that the credit card service transmission command is not set in the terminal, the current step ends and proceeds to the standby state. However, if it is confirmed during the transmission execution confirmation step (S5) that the credit card service transmission command is set in the terminal, the process proceeds to the credit card service request step (S6) and the MIME DATA generated by the terminal is passed through the MMS proxy relay server. Send to the card company server and wait for the result of the payment approval. After the credit card service request step (S6), the process proceeds to a result checking step (S7) to display the payment approval result received from the credit card company server via the MMS proxy relay server on the terminal display.

In other words, when the user of the terminal 1 of the present invention needs to process a desired item or other work and use a credit card, the user sets the credit card service function of the terminal. Then, the main control unit 7 of the terminal 1 requests the display 5 to load the credit card service menu and then input the authentication number. In this case, the main control unit 7 compares this with the authentication number stored in the memory unit 10 when the user inputs the authentication number and recalls the credit card and the security authentication information stored in the memory unit 10 when the authentication is performed. After creating a file, it is composed again as an attachment file in MIME DATA. The main control unit 7 transmits the generated MIME DATA to the MMS proxy relay server 4 via the radio module unit 6 and the base station system unit 12 when the user presses the transmission button. Then, the MMS proxy relay server 4 transmits the MIME DATA received from the terminal 1 to the credit card company server 2 and waits for the result of the payment approval.

At this time, the credit card company server 2 extracts the credit card and security authentication information included in the MIME DATA received from the terminal 1, compares the previously stored information and determines whether the payment is approved, and then the result of the MMS proxy. Transfer to relay server 4 and credit card terminal 3.

Then, the MMS proxy relay server 4 transmits the payment approval information received from the credit card company server 2 to the terminal 1 via the base station system unit 12. Then, the main control unit 7 of the terminal 1 displays the payment approval result received from the credit card company server 2 via the MMS proxy relay server 4 on the terminal display 5.

 The credit card terminal 3 also displays the payment approval information received from the credit card company server 2 on its display.

Here, if the credit card included in the VCARD of the terminal 1 from the credit card company server 2 is approved for payment, the credit card terminal 1 pays the amount and prints a receipt like a normal credit card.

In another embodiment of the present invention, the credit card and the security authentication information are directly included through the infrared port unit 14 provided in the terminal 1 without passing through the MMS proxy relay server 4 as described above. The VCARD is transmitted to the infrared module unit 15 of the credit card terminal 3 in the infrared. Then, the credit card terminal 3 extracts the credit card and the security authentication information from the VCARD input via the infrared module unit 15, transmits it to the credit card company server 2, and then receives the payment approval and receives the normal credit. Treat it like a card.

As described above, the present invention includes credit card information and security authentication information in the VCARD of the mobile communication terminal, and transmits the credit card information to the corresponding card company through the mobile communication network when paying for the credit card. Since the built-in credit card information is used, the credit card function is not damaged by external physical force, and the credit card payment can be processed quickly, thereby maximizing the additional usability of the terminal.

In addition, according to the present invention, since the credit card information contained in the VCARD card of the terminal is transferred to the credit card terminal by direct processing to the credit card terminal when the credit card payment is processed immediately without waiting for a long time for credit card payment Therefore, there is also an effect that considerably improves the ease of use of the terminal accordingly.

Claims (5)

Manage VCARD information including credit card information and security authentication information, make VCARD file containing credit card and security authentication information when paying credit card, transfer it to MIME DATA as attachment file, or send it in infrared, credit card The mobile communication terminal receiving and displaying payment approval details, and receiving the VCARD information including the credit card and security authentication information from the mobile communication terminal through the base station system unit to transmit to the credit card company server to perform the authentication procedure and the authentication when The MMS proxy relay server receives the payment approval from the credit card company server and transmits the payment approval to the mobile communication terminal through the base station system unit, wherein the credit card server transmits the payment approval to the credit card terminal and the credit card. Receipt of terminal according to payment approval result The mobile communication system with a credit card service function using the VCARD characterized in that the output. The mobile communication terminal of claim 1, wherein the mobile communication terminal displays an external display of a credit card service menu using a VCARD, and wirelessly connects to the MMS proxy relay server to create a VCARD file including a VCARD or credit card and security authentication information, and then MIME. The wireless module unit transmits / receives data in the form of an attached file to the data, and controls the credit card service function so that the VCARD including the credit card and security authentication information is transmitted to the credit card company server through an MMS proxy relay server and authenticated. And a memory unit for storing only the VCARD or VCARD information including the credit card and security authentication information according to a storage control signal of the main control unit. Mobile communication system equipped with a function. The mobile communication system of claim 1, wherein the mobile communication terminal includes an infrared port unit capable of transmitting a VCARD including credit card and security authentication information in the infrared. . The mobile terminal of claim 1, wherein the credit card terminal comprises a wireless module unit configured to receive and process a VCARD signal including a credit card and security authentication information loaded on an infrared ray. system. When the credit card function is set in the mobile communication terminal, the terminal creates a VCARD file containing the credit card and security authentication information and configures it as an attachment file in MIME DATA, and then moves it after the credit card information generation step. When the credit card service transmission command is set in the communication terminal, the credit card service request step of transmitting the MIME DATA generated by the terminal to the credit card company server via the MMS proxy relay server and waiting for the result of the payment approval; After the requesting step, the credit card server transmits the payment approval result to the MMS proxy relay server and the credit card terminal. The payment approval result is transmitted. After the payment approval result is transmitted, the credit card terminal is transmitted from the credit card company server. Result output step of outputting a receipt according to the result, the terminal MMS A control method of a mobile communication system equipped with a credit card service function using a VCARD, characterized in that the result of the step of displaying the payment approval result received from the credit card company server via the proxy relay server.

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