KR100900992B1 - Value payment part charging system and charging method using mobile communication terminal - Google Patents

Abstract

The present invention relates to a value-payment charging system and a charging method using a mobile communication terminal, the financial server providing a financial service; A service user terminal having a value payment unit, a broadcast signal receiving unit, and a short range communication means; And a short-range communication means for performing short-range communication with the short-range communication means of the service using terminal, a wireless communication unit wirelessly communicating with the financial server through a wireless communication network, and charging a value from the financial server to the value payment unit of the broadcast receiving terminal. And a portable communication terminal having a charging processing unit for processing.

According to this configuration, the content using means by using a value by charging a predetermined value in the value payment of the service using terminal using a mobile communication terminal having a mobile banking-on function without visiting a separate charging place This predetermined function can be implemented, and the value charged in the value paying part can be transferred to another value paying part, and the value remaining in the value paying part can be returned to the financial transaction account and used for the value compatible. have.

Restriction / Cancellation Chip, Mobile Communication Terminal, Value Payment, Local Area Communication

Description

VALUE CHARGING SYSTEM USING MOBILE TERMINAL AND METHOD THEREOF}

1 is a schematic diagram for explaining a system for charging a value payment unit of a broadcast receiving terminal using a mobile communication terminal according to an embodiment of the present invention;

2 is a schematic block diagram showing an internal configuration of a broadcast receiving terminal and a portable communication terminal incorporating a value payment unit charged using a portable communication terminal according to an embodiment of the present invention;

3 is an exemplary interface screen illustrating a charging procedure for charging a value payment unit of a broadcast receiving terminal using a mobile communication terminal according to an embodiment of the present invention;

4 is a flowchart illustrating a method of charging a value paying part of a broadcast receiving terminal using a mobile communication terminal according to an embodiment of the present invention.

The present invention relates to a value payment system and a charging method of a broadcast receiver terminal using a mobile communication terminal, and more particularly, to use the value charged in the value payment unit of the broadcast receiver terminal for a predetermined purpose. The present invention relates to a charging system and a charging method for paying part of a broadcast receiving terminal using a portable communication terminal having an on function.

Current payment methods for content or public transportation charges on the network include bank transfer payments such as bank transfer and unpaid bank transfer, credit card settlement, payment in addition to telephone bills, vouchers and coupons, point usage, internet network There is a method of adding a network service fee to the service provider, and a method of charging a predetermined value to the value payment unit using these methods.

However, since these methods are performed on a network, there are security problems such as the leakage of personal information such as passwords, account and credit card numbers, and expiration date. There was a problem that comes with the inconvenience to perform.

In addition, the conventional charging method using a predetermined value charged in the value payment unit is required to secure and authenticate as described above in order to provide a series of transactions (eg, payment transaction) by reading the value payment unit In addition to using the payment method, or visit the charging station to pay and recharge the cash corresponding to the value, there was an inconvenience to go directly to a separate terminal equipped with a specific terminal to read / write the value payment.

This problem is particularly a problem when a small payment is required to use contents such as copyright fees, games, videos, etc. with the development of digital multimedia.

In other words, if a user needs to go to a specific place for value payment every time for small payments and repeat security authentication procedures every time the content is used, the user will be very troubled. If it is necessary, the user may avoid using the content because the user cannot enjoy the content sufficiently.

Accordingly, the present invention has been made to solve the above technical problem, and an object of the present invention is to provide a system for charging value payment and charging method of a broadcast receiving terminal using a mobile communication terminal that can efficiently manage micropayments. .

An object of the present invention is to provide a value payment system charging method and charging method of the broadcast receiving terminal using a mobile communication terminal that can charge and refund the value, and can control the flow of the value in both directions.

It is an object of the present invention to provide a charging system and a charging method for paying a value of a broadcast receiving terminal using a portable communication terminal, which may not visit a specific place for charging or refunding or require a specific device.

The payment system for paying value according to an aspect of the present invention includes a financial server for providing a financial service;
A broadcast receiver terminal having a value payer, a broadcast signal receiver, and a short range communication means; And
Charge processing of the near field communication means of the broadcast receiving terminal and the near field communication means for performing near field communication, the wireless communication unit performing wireless communication through the financial server and a wireless communication network, and the value payment unit of the value receiving unit of the broadcast receiving terminal. And a portable communication terminal having a charging processing unit.

The value paying part may include an IC chip having a reception limit / release function and a charging function.

The broadcast receiving terminal includes a main control unit for controlling the value paying unit, the local area communication means, and a broadcast signal receiving unit, and the main control unit receives the encrypted broadcast signal when the broadcast signal receiving unit receives the encrypted broadcast signal. When the value included in the encryption key included in the header portion of the signal is read and the corresponding value is reduced, the signal processor may decode the encrypted broadcast signal.

The financial server may include a database in which the charging history of the service using terminal is stored in a database under the unique number lower category of the portable communication terminal.

The near field communication may include an infrared communication method, Bluetooth, Wi-Fi, or WLAN.

The broadcast receiving terminal may include a value processing unit for relaying the charging processing unit and the value payment unit of the portable communication terminal, and the charging processing unit of the portable communication terminal may be linked with a mobile banking application.

In the method of charging value payment using a mobile communication terminal according to another aspect of the present invention, wirelessly communicates with a financial server providing a financial service, and charges a value to a value payment part of a broadcast receiving terminal, and the value payment part is a reception restriction / It includes an IC chip with a release function and a charge function,
The charging function is selected by the value payment interface of the broadcast receiving terminal,
Selecting a charging function by a charging processor interface of the portable communication terminal;
Forming a short range wireless communication session between the short range communication means of the broadcast receiving terminal and the short range communication means of the portable communication terminal;
Transmitting a charge / refund request message to the portable communication terminal by the value payment interface of the broadcast receiving terminal;
Requesting a charge processing unit of the portable communication terminal to charge a value to the virtual account to the financial server;
Transmitting the charge message to the broadcast receiving terminal by the mobile communication terminal when the financial server charges the virtual account with value;
The main control unit of the broadcast receiving terminal comprises the step of charging the value payment unit of the broadcast receiving terminal,

The step of selecting a charging function by the charging processor interface of the portable communication terminal is included in the mobile banking application of the portable communication terminal, and the portable communication terminal may be in a charge / refund standby state.

The session between the broadcast receiving terminal and the portable communication terminal may be established when a unique number of the broadcast receiving terminal is transmitted.

The financial server may update the value charged in the virtual account and the unique information of the portable communication terminal in a database.

The short range communication means may be at least one of an infrared communication method, Bluetooth, Wi-Fi, and wireless LAN.

Hereinafter, with reference to the accompanying drawings will be described in detail the value-payment charging system and a charging method using a portable communication terminal according to an embodiment of the present invention.

In the present specification, a method of charging using a broadcast receiving terminal and a portable communication terminal for receiving a digital multimedia broadcasting with a value payment unit will be described as an example. However, the present invention is not limited thereto, and may be used to charge a value payment unit such as a transportation card or a highway pass card that can pay public fees, and to charge a value payment unit for prepaid use of other contents. Can be used.

1 is a schematic diagram illustrating a system for charging a value payment unit using a mobile communication terminal according to an embodiment of the present invention, Figure 2 is a value charged using a mobile communication terminal according to an embodiment of the present invention A schematic block diagram showing the internal configuration of a broadcast receiving terminal and a portable communication terminal with a payment unit.

1 and 2, the charging system according to an embodiment of the present invention receives the encrypted broadcast from the broadcaster's server 100 (hereinafter referred to as 'broadcast server') pays the value and encrypted broadcast Decode and receive using the broadcast receiving terminal 200, the mobile communication terminal 300 for relaying the charge of the value payment unit 250 in the broadcast receiving terminal 200, and the mobile communication terminal 300 It includes a financial server 400 for charging the value payment unit 250.

 In the present specification, the broadcast server 100 may randomly transmit an encrypted broadcast signal through a satellite or repeater according to a service environment of satellite DMB or terrestrial DMB.

At this time, the broadcast server 100 only needs to transmit the encrypted broadcast signal, and does not need to be separately registered and managed as a member, and the broadcast receiving terminal 200 determines whether the broadcast receiving terminal receives a broadcast. And complex two-way communication.

The broadcast receiving terminal 200 receives various broadcast contents encrypted from the broadcast server 100 through the broadcast signal receiving unit 211, and the broadcast signal processing unit 213 unpacks the broadcast signal encrypted with the encrypted broadcast signal. When the header unit stores an encryption key and a data unit containing broadcast content, the header unit is separated to extract an encryption key, and the encryption key is transmitted to the main control unit 210. The main control unit 210 includes a header unit. The encryption key extracted from the value is transferred to the value payment unit 250 through the value payment interface 240.

If the value payment unit 250 determines that the encryption key can release the reception restriction, whether the value payment unit 250 is filled with the value, the encryption key of the value charged from the value payment unit 250 The broadcast reception restriction can be released by reading the price information of the broadcast content stored together with the price information and reducing the corresponding price information.

When the value payment unit 250 transmits the broadcast reception restriction release to the main control unit 210 through the value payment unit interface 240, the main control unit 210 causes the signal processing unit 213 to broadcast. Decode the content to display on the screen output unit 230.

The value paying unit 250 may be further equipped with a CAS function that is mounted in the form of an IC chip and grants or restricts the authority to watch a pay broadcast, a calculation unit and storage memory that store, reduce, and refund the value. Can be.

The value payment unit 250 used in the embodiment of the present invention may be mounted in the form of an IC chip in the broadcast receiving terminal 200, and may be a smart card that stores a decryption system and customer information.

The value payment unit 250 may be configured integrally with the broadcast receiving terminal 200, or may be detachably embedded in the broadcast receiving terminal 200.

On the other hand, the broadcast receiving terminal 200 is provided with a short-range communication means 215 to form a charging transaction for the financial server 400 through the portable communication terminal (short-range communication means of the mobile communication terminal 300) 315) and near field communication.

The main control unit 210 selects the type of the short-range communication unit 215 according to the frequency band used and the value payment for interfacing the reception limit function (CAS) and the charge / refund function of the value payment unit 250. Interwork with the secondary interface 240.

The main control unit 210 selects a channel of the corresponding broadcast signal selected by the key input unit 201, and the signal processor 213 performs a reception restriction on the corresponding broadcast signal in conjunction with the value payer interface 240. By decoding the encrypted signal, the decoded broadcast signal can be output through the screen output unit 230.

The short-range communication means 215 of the broadcast receiving terminal 200 is a near field communication (near field communication) that can be interlocked with the portable communication terminal (300) using infrared, Bluetooth, Wi-Fi, wireless LAN, etc. Can be.

In general, the near field communication technology (NFC) is an improvement in contactless identification and interconnection technology, which integrates a contactless reader, a contactless card, and a peer-to-peer (P2P) function on a single chip. Works.

The value payment unit 250 according to the command requested by the main control unit 210 through the value payment interface 240, the type of the broadcast receiving terminal 200, the receiving card number, subscription service, reception method, gender ㆍ Save service usage command along with broadcasting service information such as customer information such as age and TV type, channel service ID, program broadcasting time, broadcasting receiving method, etc. It can be used as a basis for target marketing.

The portable communication terminal 300 may be any terminal such as a mobile phone, a smart phone, a PDA phone capable of wireless communication.

The portable communication terminal 300 includes a charging processor 307 in the controller 307 to relay the value from the financial server 400 to the value payer 250.

The mobile communication terminal 300 is provided with a short-range communication means 315 to search for the broadcast receiving terminal 200 in the short-range, the balance of the value stored in the value payment unit 250 of the broadcast receiving terminal 200 Information and unique information of the broadcast receiving terminal 200 is received.

On the other hand, the mobile communication terminal 300 is provided with a wireless processing unit 310, using the unique information of the mobile communication terminal 300 stored in the memory unit 305 via the PG from the financial server 400 Value can be charged in the charging area of the pay value 250 of the broadcast receiving terminal 200.

The mobile communication terminal 300 may include a mobile banking module that performs mobile banking, and may further include a broadcast payment service menu in addition to card service, automated device service, securities, and other additional services.

The mobile communication terminal 300 performs a wireless communication by the set protocol (protocol) with the financial server 400. For example, the mobile communication terminal 300 and the financial server 400 may perform wireless communication using the TCP / IP protocol.

The mobile financial transaction information may further include various kinds of information necessary for the mobile financial transaction. For example, the mobile financial transaction information may include authentication information, financial information, personal information, and the like. The authentication information preferably includes a variety of information required for authentication of mobile financial transactions. The financial information preferably includes information about the bank, account information, and other financial service information. In addition, the personal information preferably includes information necessary for personal authentication, such as a social security number.

The mobile communication terminal 300 is a near field communication method (near field communication) in order to charge a value from the short-range communication means 215 of the broadcast receiving terminal 200 to the broadcast receiving terminal 200 from the financial server 400. To perform near field communication. In this case, infrared, Bluetooth, Wi-Fi, WLAN, etc. may be used as a short range communication means. Such a communication method may also be selected by selecting an interface through the screen output unit 309 on the mobile communication terminal 300.

On the other hand, the financial server 400, including a database 410 for storing the charges for the broadcast payment of the broadcast receiving terminal 300, and periodically transmits the request data and billing charges to the operators of the broadcast server 100 do.

Now, with reference to Figure 3 will be described in detail with respect to a method for charging the value payment unit using a mobile communication terminal.

3 is an exemplary interface screen illustrating a charging procedure of a value payment unit using a mobile communication terminal according to an embodiment of the present invention.

According to an embodiment of the present invention, the mobile communication terminal 300 has a value charging application is installed, the broadcast receiving terminal 200 is connected to the financial server 400 through the PG using the value charging application. Can add value.

Referring to Figure 3, pressing the value charging / refund menu or icon for broadcasting payment of the menu of the mobile communication terminal 300, (a) charges / refunds, balance inquiry, usage history, etc. as the broadcast payment menu sub-menu The menu of appears, if you select the charge / refund menu of these, (b) prompt to enter the value charge / refund password. At this time, if you enter the password and press the run, (c) the charging / refund object placed in the short-range waiting state is indicated by each unique number and a sub-menu to select the medium to be double charged. (d) When selecting a broadcast receiving terminal to be charged, a message prompting to select an account to be withdrawn is displayed, and when an account to be withdrawn is selected, (e) a charging amount input menu and an account password for mutual authentication with the financial server 400. A request message appears. At this time, if the charge amount is entered and the account password is entered, (f) for security, the charging of the broadcast receiving terminal can be completed by entering a security code. When the charging is completed (g) a message indicating that the charging is completed to the broadcast receiving terminal 200 and displays the remaining balance after the charging, and if selected, the lower menu is initialized.

Now, a method of charging a value payment unit using a mobile communication terminal according to an embodiment of the present invention will be described in detail with reference to FIG. 4.

4 is a flowchart illustrating a method of charging a value payment unit using a mobile communication terminal according to an embodiment of the present invention.

As shown in FIG. 4, the broadcast server 100 or the service providing server provides an encrypted service, and a traffic card or broadcast receiving terminal 200 serving as a service using terminal is provided by the main control unit 210. Check the balance of (250), and if the balance is greater than the service usage price, the amount is reduced by the service usage price and the encrypted service is released and used.

When the broadcast receiving terminal 200 determines that the balance of the value paying unit 250 is smaller than the service use price by the main control unit 210, the value payment interface 240 through the key input unit 201. If the charge / refund interface is selected, the charge / return standby state is maintained (S10).

The main control unit 210 of the broadcast receiving terminal 200 transmits unique information of the broadcast receiving terminal 200 through the short range wireless communication unit 215 (S20).

At this time, if the charging / refund interface of the mobile communication terminal 300 is selected, the charging / refund processing application of the control unit 307 of the mobile communication terminal 300 is activated to become a charge / refund standby state (S30), A short range wireless communication session is formed for the broadcast receiving terminal 200 searched through the short range communication means 315 (S40).

The charge / refund request message is transmitted from the broadcast receiving terminal 200 through the session (S50), and the portable communication terminal 300 finances the charge / refund request message together with the unique information of the portable communication terminal 300. The server 400 transmits the data (S60).

The financial server 400 searches the bank account of the person corresponding to the unique information of the corresponding mobile communication terminal 300 to check the balance and charge / refund response message with a message indicating that the unique information of the mobile communication terminal is confirmed. It transmits (S70).

The financial server 400 transmits a value charging / refund response message to the broadcast receiving terminal 200 via the mobile communication terminal 300 (S80), and the value payment unit 250 is charged with a value. Refund (S90).

At this time, the mobile communication terminal 300 by transmitting a charge / refund confirmation message to the financial server, the financial server can update the database (S100).

Therefore, since the broadcast receiving terminal 200 can be charged using the mobile communication terminal 300 through its payment account, the broadcast can be watched anytime and anywhere, especially when a specific charging place such as driving cannot be found. There is an advantage that can watch the broadcast in a limited environment, such as.

Therefore, even without finding a separate charging station or repeating a difficult and cumbersome process, it is possible to simply charge a broadcast receiving terminal.

In addition, the mobile communication terminal 300 may transfer the value charged in the value payment unit 250 to a corresponding bank account, or may be charged to another broadcast receiving terminal 200.

Therefore, the charging system according to an embodiment of the present invention can be secured using the short-range communication means, while maintaining the security and transfer of value.

In addition, according to an embodiment of the present invention, by using an existing mobile communication terminal having a mobile bank-on function, it is possible to easily charge / refund the service using terminal.

Herein, while the present invention has been described with reference to the preferred embodiments, those skilled in the art will variously modify the present invention without departing from the spirit and scope of the invention as set forth in the claims below. And change

It will be appreciated.

Therefore, according to an embodiment of the present invention, it is possible to reasonably charge a fee for the broadcast reception using an existing system.

In addition, according to an embodiment of the present invention, it is possible to pay for the broadcast in a prepaid manner, and to charge and refund the value.

In addition, according to the present invention, a visit to a specific place for charging or a refund or a specific device may not be required.

In addition, according to the present invention, a broadcaster may not establish a system for attracting and managing a customer separately.

Further, according to the present invention, security can be maintained because the service using terminal is charged by the near field communication means.

Claims (14)

A financial server providing a financial service; A broadcast receiver terminal having a value payer, a broadcast signal receiver, and a short-range communication means; And Charge processing of the near field communication means of the broadcast receiving terminal and the near field communication means for performing near field communication, the wireless communication unit performing wireless communication through the financial server and a wireless communication network, and the value payment unit of the value receiving unit of the broadcast receiving terminal. Includes a mobile communication terminal having a charging processing unit to, The value payment unit charge value payment system using a portable communication terminal including an IC chip having a broadcast reception restriction / release function and a charging function. delete delete The method of claim 1, The broadcast receiving terminal includes a main control unit for controlling the value paying unit, the local area communication means, and a broadcast signal receiving unit, and the main control unit receives the encrypted broadcast signal when the broadcast signal receiving unit receives the encrypted broadcast signal. And a value payout charging system using a mobile communication terminal that reads a value included in an encryption key included in a header of a signal and decodes the encrypted broadcast signal by a signal processor if the value is reduced. delete The method of claim 1, The financial server is a value-paying charging system using a mobile communication terminal comprising a database of the charge history of the broadcast receiving terminal to store the database under the unique number of the mobile communication terminal. delete The method of claim 1, The near field communication (near field communication) is a value-payment charging system using a portable communication terminal including an infrared communication means, Bluetooth, WiFi, wireless LAN means. The method of claim 4, wherein The broadcast receiving terminal includes a value payment unit interface for relaying the charge processing unit and the value payment unit of the mobile communication terminal, the charge processing unit of the mobile communication terminal charging value payment unit using a mobile communication terminal interworking with a mobile banking application. system. Wireless communication with a financial server providing a financial service, charging the value payment unit of the broadcast receiving terminal, the value payment unit payment value using a mobile communication terminal including an IC chip having a reception limit / release function and a charging function In the secondary charging method, The charging function is selected by the value payment interface of the broadcast receiving terminal, Selecting a charging function by a charging processor interface of the portable communication terminal; Forming a short range wireless communication session between the short range communication means of the broadcast receiving terminal and the short range communication means of the portable communication terminal; Transmitting a charge / refund request message to the portable communication terminal by the value payment interface of the broadcast receiving terminal; Requesting, by the charging processing unit of the mobile communication terminal, to charge a value to the virtual account to the financial server; Transmitting the charge message to the broadcast receiving terminal by the mobile communication terminal when the financial server charges the virtual account with value; The main control unit of the broadcast receiving terminal comprises the step of charging the value payment unit of the broadcast receiving terminal, The step of selecting a charging function by the charging processing unit interface of the portable communication terminal is included in the mobile banking application of the portable communication terminal, and the portable communication terminal is charged for the value payment using the portable communication terminal which is in a charge / refund standby state. Way. delete The method of claim 10, And the session between the broadcast receiving terminal and the portable communication terminal is charged when the unique number of the broadcast receiving terminal is transmitted. The method of claim 10, The financial server is a value payment method using a mobile communication terminal for updating the value charged in the virtual account and the unique information of the mobile communication terminal in a database. The method of claim 10, The short-range communication means is a value-payment charging method using a portable communication terminal which is at least one of an infrared communication method, Bluetooth, WiFi, WLAN.

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