KR200375477Y1 - On-board wireless transaction system - Google Patents

Abstract

The present invention is a device that connects a multi-rate card with a PIN (personal identification number) and value-added points and a store terminal computer equipped with a GSM modem to receive an order by the multi-rate card and provided at a contract store. The present invention relates to an onboard wireless transaction device used in a car, which can order a product and complete a transaction using a network. The device according to the present invention orders a product and generates transaction point and wireless transaction data generated by a product order. A product ordering device provided to be provided; A GSM modem for transmitting and receiving product order data by the ordering device; And a microprocessor configured to receive an electrical signal generated from the product ordering device and the GSM modem and simultaneously generate a control signal for controlling the product ordering device and the GSM modem according to the electrical signal. According to the present invention, a user can order goods wirelessly in a car, complete transactions in real time, and automatically calculate cumulative transaction points of a farecard.

Description

ON-BOARD WIRELESS TRANSACTION SYSTEM}

The present invention relates to an onboard wireless transaction apparatus, and more particularly, to an onboard wireless transaction apparatus that allows a user to order goods in a vehicle wirelessly and complete a transaction in real time. The goods include tangible goods and intangible services.

GSM to call service centers (e.g. Travel the World Service Center) or to communicate with family and friends to request various information services (securities, weather, traffic conditions, department store promotional items, etc.) A radiotelephone device can be equipped with a GPS (global area location) that allows the user to know the business service information (location information of hotels, restaurants, theaters, landscape spots, etc.) of stores close to the car. There are cars equipped with identification devices.

However, the devices allow the motorist only to get information. When ordering products of interest, the driver must dial the GSM device dial to contact the service center directly to contact the store to request the reservation of the desired product or to contact the service center indirectly to reserve the desired product. do. Since no payment is made at the time of booking, the transaction is not fully completed. Booked products may be sold to others when the driver arrives at the store.

Therefore, it is desired to provide an onboard wireless transactional device for solving the above-mentioned drawbacks.

An object of the present invention is to provide an onboard wireless transaction apparatus that allows a user to order goods wirelessly in a car and complete a transaction in real time.

Another object of the present invention is to provide an onboard wireless transaction apparatus that automatically calculates the cumulative transaction points of all fare cards for bonus cumulative point promotions.

In order to achieve the above and other objects of the present invention, the onboard wireless transactional device includes an ordering device, a card reader / writer, a GSM modem, and a microprocessor. The ordering device is employed to input order demand to order at least one product and generate transaction data corresponding to the order demand, the transaction data comprising transaction points deducted due to the purchase of the at least one ordered product. . A card reader / writer is employed to read data on the fare card or to write data to the fare card. The GSM modem is employed to connect to the GSM wireless network and transmit data to the network. The microprocessor is employed to control the card reader / writer to receive transaction data generated by the ordering device, read the PIN (Personal Identification Number) and value added points of the farecard and compare the value added points with the transaction points. If the value card's value points are more than transaction points, the microprocessor immediately transfers the GSM modem of the onboard wireless transactional device to transmit the PIN and transaction data of the rate card to the GSM modem of the contracted store's terminal computer via the GSM wireless network. Control so that the contracted store can deliver the goods. The microprocessor then calculates the balance point of the farecard after deducting the transaction point from the value added point, then controls the card reader / writer to write the balance point to the farecard, and terminates the transaction. Therefore, the present invention is different from simply making a reservation by allowing a user to directly order a product wirelessly in a car and complete a transaction in real time.

The rate card included in the onboard wireless transaction apparatus according to the present invention may be an IC chip card, a magnetic card, or another equivalent card having a storage function. The transaction data further includes transaction time, product code and / or product name, product unit price, or quantity in addition to the transaction points described above. The card reader / writer can write each transaction data described above to the farecard to record the transaction history.

Products that can be ordered with the onboard wireless transactional device according to the present invention are all types of products (e.g. theater / entertainment sensor tickets, season-change clothes, hotel first-day room booking rates, restaurant reservations, car maintenance reservations). Etc.), or intangible value-added services (e.g., introducing landscape points, one-line fortune telling, multimedia audio / video programs, etc.).

In addition, the card issuing agency may provide a store card to every contracted store that stores the PIN of each contracted store and records the accumulated points. Every contracted store may use another card reader / writer of the store terminal computer to read / record the store card to add points earned in each transaction to the store card for further repayment from the issuer. The store terminal computer may calculate cumulative transaction points corresponding to all PINs on the farecard to provide bonus cumulative point promotions.

The on-board wireless transaction method used in the on-board wireless transaction apparatus according to the present invention described above is one example. A) for inputting an order demand including transaction data of transaction points deducted due to purchase of at least one ordered product. Using an ordering device and controlling the card reader / writer of the onboard unit to read the PIN and value added points of the farecard; B) calculating the balance point of the farecard after deducting the transaction point from the value added point; And C) drive the GSM modem of the onboard unit to wirelessly transfer the PIN and transaction data of the farecard to the GSM modem of the shop terminal computer of the contracted store and then write the balance point to the farecard. Driving the reader / writer to terminate the transaction.

Meanwhile, the above-described method can be accomplished by a software program. That is, the method may be written in a computer language, and the written software program is loaded into a computer readable recording medium, which may be a hard disk, floppy disk, CD-ROM, ZIP, MO, IC chip, or It may be a useful device including a recording medium readable by a microprocessor available to those skilled in the art. Preferably the software program is loaded into RAM for easy updating.

Hereinafter, in order to be described in detail so that those skilled in the art can easily implement the present invention, the most preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. . Other objects, features, and operational advantages, including the object, operation, and effect of the present invention, will become more apparent from the description of the preferred embodiment.

Referring to FIG. 1, a conventional card issuing authority (eg, Mondex electronic cash system) 4 issues a multiple fare card C. As shown in FIG. All rate cards C store each PIN (personal identification number) and a certain number of value added points (S). When a user pays a certain amount of money to purchase a new rate card C from the issuer, the issuer stores some value added points S corresponding to the amount of money paid to the rate card. The user can use the farecard C to purchase goods in the contracted shop 3, which deducts the point P spent at the value added point. Therefore, the farecard C is called electronic money and is used like cash.

The contracted store 3 accumulates the total points (∑P) that earned, issues a debit note and sends an e-mail to the issuer 4 for payment. In addition, all stores (3) issue financial exchange terminals 32 (e.g., fax machines, modems, etc.) of each store terminal computer 30 through a PSTN to provide data for repaying money. The engine 4 can be connected wirelessly. After the invoice amount and the points of the store are checked well, the server 41 of the issuing agency 4 checks the account 52 of each store 3 in the issuer account 51 of the financial institution 5 (e.g., bank). To replace the whole money (∑S).

The present invention is basically based on the above-described conventional financial Interex exchange environment, and can wirelessly conduct transactions in the automobile 1 in real time. Products ordered by the onboard wireless transactional device of the present invention may be of the type of goods (e.g. theater / entertainment sensor tickets, season-change clothes, hotel first-day room reservation rates, restaurant reservations, car maintenance reservations, etc.), Or intangible value-added services (e.g., introducing landscape points, brief one-line fortune telling, multimedia audio / video programming services, etc.).

The rate card C is preferably an IC chip having a high storage capacity. Of course, it can be used as a magnetic card or another equivalent card having a data storage function.

1 shows an onboard unit (OBU) of a vehicle connected to a GSM modem 31 of a store terminal computer 30 of a multi-contract store 3 via a GSM wireless network 2 to order goods in a store 3. (1) is shown. The onboard unit 1 includes an ordering device 11, a card reader / writer 12, a GSM modem 13, and a microprocessor 14. The ordering device 11, card reader / writer 12, and GSM modem 13 are connected to the microprocessor 14, respectively.

Before ordering the merchandise M in the contract store 3 of the issuing agency 4 via the GSM wireless network 2, the user must purchase the farecard C in advance. 2 illustrates an example of a wireless transaction process using the onboard wireless transaction apparatus according to the present invention.

Step SA: Input order demand using the ordering device 11. The ordering device 11 may be a simple one such as a touch button, a keyboard, or a browser. For example, an employee at a service center can download a product menu for an order, and help the user to browse the menu on the screen and order the desired product (M) with a touch button or touch screen. After entering the order demand, the transaction data D is generated. Transaction data D includes transaction points P which are deducted due to the purchase of goods M of interest. In addition, the card reader / writer 12 reads the PIN and value added point S stored in the toll card C. FIG.

Step SB: The microprocessor 14 calculates the balance point R of the farecard by subtracting the transaction point P from the value added point S, and then compares the balance point R with zero to the balance point R Is greater than or equal to 0, it is determined whether the value added point S of the farecard C is sufficient or not. In addition, microprocessor 14 may be controlled to directly compare value added point S with transaction point P. FIG. As a result of the comparison, if the value-added point S is not smaller than the transaction point P of the transaction data D, the transaction may continue.

Step SC: The GSM modem 13 of the onboard unit 1 is wirelessly connected to the GSM wireless network 2, and the PIN and transaction data D (including the transaction point P) of the charge card C are It is transmitted to the GSM modem 31 of the store terminal computer 30 (step SC1). Referring to FIG. 3 in this embodiment, the store terminal computer 30 first recognizes the PIN of the farecard C and the transaction data D (including the transaction point P) for security reasons. Upon recognizing this (step SC2), the store 3 provides the user with the ordered product M by e-mail, data download, etc., and feeds the recognition code back to the GSM modem 13 of the onboard unit 1, thereby providing the onboard unit. The card reader / writer 12 (1) causes the balance point R obtained from the above-described calculation to be recorded on the rate card C and then completes the transaction.

As described above, according to the wireless transaction apparatus according to the present invention, the user can wirelessly order a product in a car and complete a transaction in real time. The transaction data D described above further includes a transaction time, a product code and / or a brand name, a product unit price, or an amount. The card reader / writer 12 writes all transaction data to the farecard for use as a transaction history record.

For easier management, the issuing agency 4 provides the store card C 'to all the contract stores 3 so that all the contract stores 3 store the accumulated points ∑P. The store terminal computer 30 for outputting the PIN (ID ') and the accumulated point (∑P) of the store card C' to the server 41 of the issuing authority 4, or writing them to the server 41. Card reader / writer 34 may be used.

Figure 4 shows another example of the on-board wireless transaction apparatus according to the present invention. According to another example of the present invention shown in FIG. 4, the onboard unit 1 is the same as the embodiment shown in FIG. 1, but the contract stores receive all orders, deduct acquisition points, and points points to all stores after a transaction. It is integrated in the customer service center 3 'which disassembles. Therefore, the user only needs to remember the communication number of the customer service center 3 ', and does not need to remember several communication numbers of the respective contract stores. In addition, the computer 30 'of the customer service center 3' calculates the cumulative transaction points P of all PINs in order to reduce the computational burden on the store and to prepare for cumulative bonus promotion activities for the user.

As shown in FIG. 4, the GSM modem 13 of the onboard unit 1 wirelessly connects to the GSM modem 31 of the customer service center 3 'computer 30' to perform all transactions in real time. can do. The memory device 33 is provided for temporary storage of the multiple transaction data D, and is issued later at a specific time for the GSM modem 31 of the customer service center 3 'computer 30' to exchange information. A connection can be made to the server 41 of the engine 4, thereby preventing the network line from being in a call.

Further, in any of the two embodiments described above, the farecard C has a certain value added point S stored in the card when newly purchased. Using the point S, the user transfers a certain amount of money from the user's personal account 53 opened at the financial institution 5 to the account 51 of the issuer 4 opened at the financial institution 5 ( Iv) an automated transaction terminal (ATM) 50 can be used, and as a result, points acquired by acquiring new points can be recorded in the fare card C. FIG.

The customer service center 3 'advances a certain amount of money from the customer's account 52' at the financial institution 5 to the account 51 of the issuing institution 4 at the financial institution 5 to obtain many points in advance. Can be replaced, and as a result, the user can call the customer service center 3 'for help in the car and when the user cannot go to the automatic transaction terminal 50 to replace the money. . In this case, the customer service center 3 ′ wirelessly downloads a small amount of points to the GSM modem 13 of the onboard unit 1 and records the small amount of points for use on the user's farecard C. GSM modem 31 is used. Therefore, the customer service center 3 'issues the invoice to the issuer 4 by invoice to the issuer 4 in the transaction data D (including the PIN of the user's farecard C and the downloaded point P). Ask for payment. When the invoice is checked, the issuing agency 4 sends the requested amount from the account 51 of the issuing organization 4 opened at the financial institution 5 to the customer service center 3 'opened at the financial institution 5. After being replaced by the account 52 ', the user account 53 of the financial institution 5 in the PIN of the rate card C for repaying the money is requested.

The transaction method of the onboard wireless transaction apparatus according to the present invention can be recorded as a software program in computer language. Thus, the created software program may be stored in a recording medium that can be read by a microprocessor or in a device containing the recording medium. A device comprising a recording medium readable by a microprocessor may be a hard disk, floppy disk, CD-ROM, ZIP, MO, IC chip, RAM, or a microprocessor readable recording medium usable by those skilled in the art. It can be a useful device including.

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As described above, according to the on-board wireless transaction apparatus according to the present invention described above, the user can order goods wirelessly in a car and complete the transaction in real time, and accumulate transaction points of all charge cards for bonus accumulation point promotions. Can be calculated automatically. For reference, the embodiments disclosed herein are only presented by selecting the most preferred embodiment in order to help those skilled in the art from the various possible examples, the technical spirit of the present invention is not necessarily limited or limited only by this embodiment In addition, various changes, additions and changes are possible within the scope without departing from the technical spirit of the present invention, as well as other embodiments that are equally clear.

1 is an architecture block diagram of an onboard wireless transaction apparatus according to the present invention.

2 is a flowchart illustrating a transaction method through an onboard wireless transaction apparatus according to the present invention.

3 is a detailed flowchart of the present invention.

4 is an architecture block diagram of another form of the onboard wireless transaction apparatus according to the present invention.

[Description of the code]

1 Onboard unit 11 Ordering device

12 Card Reader / Writer 13 GSM Modem

14 microprocessors 2 GSM wireless networks

3 Contract Store 3 'Customer Service Center

30 Store Terminal Computers 30 'Customer Service Center Computers

31 GSM Modem 32 Financial Switching Terminal

33 Memory device 34 Card reader / writer

4 Issuers 41 Servers

5 Financial Institutions 50 Automatic Transaction Terminals

51 Issuer Account 52 Store Account

52 'Customer Service Center Account 53 Personal Account

C rate card C 'store card

D Transaction Data M Article

P transaction point ∑P cumulative point

R Balance Point S Value Added Point

Claims (5)

A device that connects a multi-rate card with a personal identification number (PIN) and value-added points and a store terminal computer equipped with a GSM modem to receive an order by the multi-rate card and is equipped with a contract store. In order to complete a transaction and complete a transaction, the onboard wireless transaction device used in a car, The onboard wireless transaction apparatus includes: a product ordering device, arranged to order a product and generate transaction points and wireless transaction data generated by the product order; A GSM modem for transmitting and receiving product order data by the ordering device; And a microprocessor which receives an electrical signal generated from the product ordering device and the GSM modem and simultaneously generates a control signal for controlling the product ordering device and the GSM modem according to the electrical signal. Onboard Wireless Transaction Device. 2. The onboard wireless transaction apparatus of claim 1, wherein the store terminal computer includes a card reader / writer capable of recording or reading data. The onboard wireless transaction apparatus according to claim 1, wherein the store terminal computer is a device for calculating a cumulative transaction point corresponding to a PIN (personal identification number). The onboard wireless transaction apparatus according to claim 1, wherein the shop terminal computer is connected to a public switched telephone network (PSTN). 5. The onboard wireless transaction apparatus according to claim 4, wherein the store terminal computer additionally includes a financial exchange terminal for data transmission.