KR100280734B1 - RF (wireless recognition) debit card system - Google Patents

Abstract

The present invention proposes an RF debit card system recognized wirelessly.

Conventional card recognition was performed by contact scan by a card reader connected with a card issuer, so that card damage and card recognition took a long time.

The present invention provides an antenna coil and an integrated circuit formed by winding a thin line therein and an RF debit card that drives the integrated circuit with an induced voltage wirelessly received by the antenna coil, and operates on the RF debit card. A card terminal that transmits radio waves to provide a voltage and thereby receives card number data generated on the RF debit card side, and a B / L that reads and holds the debit card number data received by the card terminal. A terminal computer that immediately approves the payment for the use of the debit card to the card terminal after inquiring to the data storage module, and then accesses the center computer to settle the card use payment from the designated bank payment account of the debit card; It is connected to the computer network of the designated bank for payment of the card and for the immediate payment of the card use price. It can include the computer center of the fire card issuance management.

The present invention system can significantly reduce the card inquiry time to enable the automatic collection and payment system of transportation fee using such debit card in addition to the function as a general debit card.

Description

RF (Wireless Recognition) Debit Card System

The present invention relates to a debit card system, and in particular, inquiries, transaction approval and payment of the card can be processed immediately in the field in close proximity with the card and the card reader not in contact with each other. RF debit card system that can be.

The debit card system refers to a system in which a cardholder purchases goods or receives a paid service at a debit card merchant and immediately pays the corresponding amount on the spot using his designated bank account.

A typical debit card payment process is as follows.

When the magnetic strip of the debit card is rubbed through the card reader on the card merchant side connected to the card issuer online, the card reader first reads the card number of the debit card and transmits it to the host computer on the card issuer side.

The host computer accesses the designated payment account of the received card number, inquires whether the payment can be made immediately from the corresponding account, and transmits the result to the debit card merchant.

The debit card owner checks the payment amount displayed on the merchant's card and enters a confirmation code such as a password to immediately pay for the purchased goods or services.

However, one of the problems in the case of using the debit card according to the traditional method described above is that the card inquiry time is too long (several seconds-tens of minutes).

This delay in card retrieval time is a major obstacle to activation and diversification of card usage.

Another problem is that the life of the debit card is shortened and the reading error in the card reader is frequently generated.

The card reader, which will be connected online to the host computer through a general telephone network, reads the data recorded on the magnetic strip of the debit card by frictional contact, which may cause damage to the magnetic strip of the card and shorten the card life. do.

Also, when passing the card through the card reader, scanning too late or too fast beyond the reference speed will result in card data read errors, which will require scans for repeated card readings, which in turn will shorten card life. do.

An object of the present invention is to provide an RF debit card system that can execute the payment quickly in the non-contact state of the card terminal and the debit card installed in the debit card merchant at the time of payment of services or purchases using the debit card.

Another object of the present invention is to quickly determine the transaction approval and transaction rejection only by blacklist inquiry of the debit card number data in a transportation method (subway, taxi, bus, etc.) requiring card recognition and information processing within a very short time, so that the card reading time It is to provide a contactless RF debit card system that can significantly reduce the number of.

Another object of the present invention is a no-battery type RF debit that can exchange card information with a card reader terminal without a separate operation battery for driving an integrated circuit (IC) provided inside the debit card. To provide the card.

Still another object of the present invention is to provide an RF debit card system for facilitating the use of a debit card in a general public transportation such as a taxi or a bus by allowing a payment using a debit card even in a hop line state.

Features of the RF debit card system of the present invention,

An antenna coil which is formed by winding a thin line inside at a position deviating from the character embossing portion to be formed on the surface of the debit card, and self-generated by receiving radio waves to transmit internal data of the card, and the power induced by the antenna coil An RF debit card, the RF debit card being integrated into the card and including an integrated circuit for storing and processing data in the card;

A card terminal that transmits radio waves to induce self-power generation of the RF debit card and receives debit card number data wirelessly input from the activated RF debit card;

The debit card number data received from the card terminal is inquired into the black list (B / L) data storage module which has its own decision to determine whether to approve the transaction, and accumulate and manage the transaction data. And a terminal computer for updating the B / L data and exchanging data for sending transaction data, and for calculating card payment from the designated bank account of the debit card.

1 is a block diagram of a contactless RF debit card system according to the present invention.

2 is a diagram illustrating the internal structure of a contactless RF debit card according to the present invention.

3 is a diagram illustrating an internal structure of another example of the present invention RF debit card.

4 is a block diagram of an integrated circuit in the RF debit card according to the present invention.

5 is a block diagram of a card terminal applied to the present debit card system.

6 is a block diagram of a subway automatic toll collection system for explaining an embodiment of the present invention debit card system.

＊＊ Explanation of symbols on main parts of drawing ＊＊

40: RF card 50: integrated circuit (IC)

51: RF interface unit 52: rectifier

53: modulator 54: voltage stabilizer

55: clock generator 56: control unit

57: operation controller 58: memory

59: EEPROM 60,60 ': Antenna coil

70: card terminal 71: main control module

72: RF card communication module 73: B / L data storage module

74: transaction history storage module 75: terminal computer communication module

76: user interface module 77: display

78: keypad 80: terminal computer (aggregation system)

81: ticket gate 82: switchgear

90: center computer 110: card issuer

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

FIG. 1 is a schematic diagram of the system of the present invention, and is roughly divided into four organic combinations of an RF card 40, a card terminal 70, a terminal computer 80, and a center computer 90. As shown in FIG.

The RF card 40 is configured to receive its driving power from the card terminal 70 via the path ① to the radio (RF).

Debit card number data, etc. generated in the RF card 40 is configured to be transmitted to the card terminal 70 side via a path ②.

The RF card number data received by the card terminal 70 is configured to be transmitted to the terminal computer 80 through the path ③.

The terminal computer 80 is connected to the center computer 90 by an on-line or hop-line method using a general communication line to exchange the temporary payment storage data by debit and the updated B / L data at regular intervals or from time to time. To be configured.

In addition, the terminal computer 80 is configured such that the B / L inquiry result and the terminal information for the debit card number is transmitted to the card terminal via the path (4).

The performance data of the debit card or the data related to the terminal output from the card terminal 70 may be configured to be wirelessly transmitted to the RF card 40 through the path ①.

2 is a view for explaining the internal structure of the RF debit card for contactless wireless recognition according to the present invention.

As referred to herein, the antenna coil wound in a concentric shape several times using a thin line between the inside of the debit card 40, that is, between the front portion 20 and the back portion 30 is formed with a magnetic strip ( 60 and an integrated circuit 50 connected to the antenna coil 60 are arranged.

The antenna coil 60 and the integrated circuit 50 have a very thin thickness and do not cause deformation in the standard size of the card 40.

In addition, these antenna coils 60 and the integrated circuit 50 need to be installed out of the embossed character formation area formed on at least the surface of the debit card in order to eliminate the possibility of defects of the card itself and to ensure reliability.

3 is a diagram illustrating an internal structure of another embodiment of the RF debit card 40 according to the present invention.

Here, the antenna coil 60 'is wound several times along the outer periphery of the outside of the card in a square shape, and the integrated circuit 50 is shown installed inside the antenna coil 60'.

Similarly here, too, these antenna coils 60 'and integrated circuits 50 are positioned at a position away from at least the embossed letter formation area formed on the surface of the debit card to ensure reliability and to eliminate the possibility of defects on the card itself. Should be.

4 shows an internal circuit block diagram of the IC 50 mounted in the RF debit card according to the present invention.

The integrated circuit 50 here is largely divided into an RF interface unit 51, a control unit 56, and a memory unit 58.

The RF interface unit 51 is a rectifier 52 for rectifying the induced voltage induced in the antenna 60, the modulation and demodulator 53 for modulating and demodulating the debit card-related data transmitted and received by the antenna 60 And a voltage stabilizer 54 for supplying a stable voltage to each component of the IC and a clock generator 55 for clocking the operation controller.

The control unit 56 includes an operation controller 57 having a data serial-to-parallel conversion circuit, a RAM, and a ROM therein.

The memory unit 58 includes an EEPROM 59 that can electrically write and delete data.

Figure 5 is a block diagram illustrating the internal structure of the card terminal of the present debit card system.

It is connected to the main control module 71, the main control module RF card communication module 72 for radiating radio waves for activating the RF card 40 and performing data exchange, and the transaction history with the RF card A transaction history storage module 74 for storing data, a terminal computer communication module 75 for exchanging B / L data or card number data with the terminal computer 80, and a card of an RF card user And a user interface module 76 having a display 77 for displaying the amount of money and a keypad 78 for inputting a password to prevent fraudulent use.

In addition, the card terminal 70 is installed in addition to the B / L data storage module 73 to directly retrieve the RF card number data received in the bad card number list data stored therein the transaction approval and transaction rejection in the field You can make a decision immediately.

The B / L data storage module 73 updates new B / L data to the center computer at regular intervals or from time to time through the terminal computer.

The operation of the debit card system of the present invention configured as described above will be described in detail with reference to FIGS. 1 to 5.

RF debit card 40 of the present invention is a no-battery card (No Battery) that operates by receiving power wirelessly from the outside through the antenna coil 60 therein, because it does not require a separate built-in battery life Is semi-permanent.

When the RF card 40 approaches the card terminal 70 within a predetermined distance, the radio signal continuously or periodically emitted from the RF card communication module (antenna) in the card terminal 70 is internally provided in the RF card 40. Will be guided to the antenna coil 60 (path ⓛ in FIG. 1).

On the RF debit card 40 side is rectified and smoothed to use as a card drive power.

The effective approach distance between the card terminal 70 and the RF card 40, which supplies power for the card operation to the RF card 40 side, may be added or subtracted according to the shape of the antenna coil 60. In consideration of convenience, safety and security, it is evaluated that it is most desirable to design the recognition distance between them as about 100mm.

Meanwhile, the voltage induced in the antenna coil 60 of the RF card 40 is supplied to the integrated circuit 50.

The antenna (RF) induced voltage supplied to the integrated circuit 50 is rectified in the rectifier 52 of the RF interface unit 51 therein, stabilized in the voltage stabilizer 54, and then operated as an operating voltage for all parts of the integrated circuit. Will be provided.

When power is supplied from the voltage stabilizer 54 in the RF interface unit 51 to the operation controller 57 in the control unit 56, the operation controller 57 converts its own card number data and the RF signal from the demodulator 53. Since the card number data signal is transmitted to the antenna coil 60 through the path ② of FIG. 1, the card number data signal is transmitted to the card terminal 70.

The RF card communication module 72 of the card terminal 70 shown in FIG. 5 has a data access sequence and data code corresponding to the RF interface unit 51 of the RF card 40 for data communication with the RF card 40. Then execute the decoding (modulation, demodulation) function.

After that, the main control module 71 of the card terminal 70 transmits the received card number data to the terminal computer 80 through the path ③ of FIG. 1 to the B / L (black) already held in the terminal computer 80. The relevant card number is inquired.

The terminal computer 80 inquires the inputted RF card number to the B / L, and if it is not a bad card, the transaction approval and the unique number data of the terminal are immediately transmitted to the card terminal 70 through the path ④ in FIG.

In fact, the time required for such a card search (path ①-④) is only 3ms.

The card inquiry is made quickly because the high-speed CMOS device is used as the integrated circuit device of the RF card.

On the other hand, the RF debit card user checks the amount of money displayed on the display device for displaying the amount of use of the user interface module installed in the card terminal, and then uses the user password input keypad provided in the interface module to password the debit card. You can follow the procedure to approve the debit claim by entering.

The terminal computer 80 inquires a bad card number online at a predetermined time interval or from time to time, and updates the B / L data if there is an additional B / L data, and the transaction amount for the number of the debit card traded. Is transmitted to the center computer 90.

By executing this procedure, the payment of the debit card is immediately transferred from the designated bank payment account of the debit card to the designated bank account of the debit card merchant through the banking network connected to the card issuer.

On the other hand, as shown in Figure 5, when the B / L data storage module 73, which is indicated by a dotted line in the card terminal 70 is directly embedded card number read in the card terminal for B / L inquiry of the debit card It is possible to omit the process (3), (4) of FIG. 1, which transmits to the terminal computer 80 and receives the inquiry result, further improving the card processing speed.

In this case, as described above, the B / L data registered in the B / L data storage module 73 in the card terminal 70 receives new data from the center computer through the terminal computer 80 at regular intervals or from time to time. You need to update.

Such RF debit card system of the present invention may be very suitable for the corresponding fare payment according to the use of public transportation.

In the case of using the card in controlling and controlling the means of transportation or restricted areas, a very fast turnaround time is required in determining the payment or approval of the access fee.

For example, in order to apply a debit card to a means of transportation, an individual card must have usage data of an individual card user, for example, data on a boarding time and a section of use of a means of transportation. Otherwise, it is impossible to apply the card payment method to transportation because real-time processing is impossible because a large amount of data about individual cards must be processed in a central traffic control computer (host computer).

However, the present debit card system enables on-site payment for the use price of transportation.

Looking at the process, if the RF debit card 40 is driven by the wireless power supply from the card terminal 70 transmits its own card number to the card terminal 70 through the antenna coil 60 card terminal ( 70 receives the RF card communication module 72 and transmits it to the terminal computer 80 to inquire whether the debit card is valid.

If the card number does not belong to the bad card number group (B / L), the terminal computer 80 receives the current boarding time data and the unique number data of the corresponding terminal at the same time as the transaction approval (RF card communication module of the card terminal 70) 72 is transmitted wirelessly to the RF card 40 side.

The RF card 40 receives the current boarding time and terminal unique number data transmitted from the card terminal 70 through the antenna coil 60, demodulates it in the demodulator 53 and sends it to the operation controller 57. The data is stored in the EEPROM 59 according to the data transmission method determined here.

This series of operations will be done within a few tens of milliseconds so that no time lag in payment of the transportation fee will occur.

At this time, the boarding terminal of the transportation vehicle can determine whether the approval of the RF card transaction only by querying the list of bad card numbers, thereby significantly reducing the card inquiry and processing time.

In addition, the getting-off terminal reads the boarding information recorded on the RF card and processes the fare for the distance and time of use of the relevant transportation, so the card inquiry and settlement processing can be performed quickly when getting off. .

By introducing the basic concept of the debit card system of the present invention, such as toll-free, very fast highway tolls, bus usage fees, amusement facilities usage fees, etc. in the field can be settled immediately in cash through the payment account of the bank.

Figure 6 shows an example of the construction of automatic subway user fare collection system using the RF debit card of the present invention.

The automatic freight collection process of this system is as follows.

First, the person who wants to use the subway approaches the RF debit card 40 connected to the bank account owned by him within a certain distance (about 100 mm) from the card terminal 70 attached to the subway opening and closing (81).

Then, the RF debit card 40 receives the radio wave transmitted by the card terminal 70 to wirelessly receive power to activate the integrated circuit of the RF card 40.

Accordingly, the RF debit card 40 transmits its card number to the RF card communication module 72 (antenna) of the card terminal 70.

The number of the RF debit card received by the card terminal 70 is transmitted to the terminal computer 80, which is a history system for each history, and is inquired for a bad card number (black list) registered in advance. Approval for the use of transportation is determined.

In this case, when the approval of the card transaction falls, the terminal computer 80, which is a history aggregation system, sends the departure station information (station name, departure time) to the card terminal 70 installed in the ticket gate 81.

Since the card terminal 70 transmits the departure station information to the RF debit card 40 wirelessly through the RF card communication module 72 therein, the departure station information is a nonvolatile memory inside the RF debit card 40. Write to device EEPROM.

In this step, the ticketing device 81 opens its own switch 82, and at the same time, the amount of money used may be displayed on the display of the ticketing device.

On the other hand, when the B / L data storage module 73 as shown by the dotted line in FIG. 5 is additionally installed in the card terminal 70, the inquiry time of the RF debit card is shortened, and the construction of the system is simplified.

In this case, the terminal computer is operated at regular intervals or from time to time to receive additional B / L data provided from the host computer side of the card issuer online and updated to the B / L data storage module 73. .

Then, when the passenger at the subway arrival station approaches the RF card 40 within a certain distance (100 mm) to the card terminal on the ticket gate of the arrival station, the RF debit card 40 is activated by the radio signal transmitted from the card terminal. The card number and the departure station information stored in the internal EEPROM are wirelessly transmitted to the card terminal 70 side.

The card terminal 70 transmits the departure station information for each RF debit card obtained at this time to the terminal computer 80 installed at the arrival station.

Based on this, the terminal computer, the arrival station counting system, calculates the fare and immediately withdraws the fare from the bank payment account connected to the RF debit card online with the center computer, or deducts the subway fare from the RF debit. It is also possible to settle each card for a certain period of time and then withdraw it from the designated account at that time.

Here, the former is a pure debit card payment system, while the latter introduces some of the elements of a post debit credit card into the debit card, thereby improving the operating efficiency of the system.

In the debit card payment method in which credit card elements are added, the terminal computer 80, which is a historical aggregation system, displays the list of bad card numbers from the card issuer 110 through the center computer 90 at a predetermined time interval or when necessary. It downloads from time to time and updates it and transfers the fee data for each debit card that has been approved and settled to the center computer 90.

The center computer 90 collects the calculated subway fare data and transmits it to the card issuer 110.

The card issuer 110 withdraws the payment for the subway using the debit card from the designated bank payment account of the debit card according to the settlement result and ends the payment by depositing it in the designated account on the subway construction 120 side.

The data exchange between the terminal computer 80 and the center computer 90 is performed independently of the data exchange between the RF debit card 40 and the card terminal 70 and the terminal computer 80.

This does not follow the time limit for data exchange between the terminal computer 80 and the center computer 90, but the data exchange between the RF card 40 and the card terminal 70 and the terminal computer 80 is due to the characteristics of the subway fare collection. This is because promptness is required.

In fact, the RF card check time is only 0.1 second (100 ms).

As such, the automatic automatic fare collection system for subway fare using RF debit cards can be used to reduce the inconvenience of cash and ticket purchases, reduce the time required to open a ticket, and connect with other transportation methods using the same debit card payment method. There is an advantage to be possible.

In addition, from the standpoint of subway construction, it can improve the work efficiency by automating the industrial industry, reduce the ticket manufacturing cost and ticketing work, and increase the speed of passenger handling by improving the ticketing efficiency.

Furthermore, the present system enables debit card payment of taxi fare.

The debit card payment system for taxi fare is almost similar to the subway fare automatic collection system described above, and is constructed offline.

The difference is that the terminal computer installed in the taxi of the mobile chain is connected to the center computer connected to the VAN operator at regular intervals or from time to time through a wireless telephone line or a wired telephone line installed in a gas station or home.

The B / L data provided from the VAN operator is frequently updated and updated in the center computer, and the data is transmitted and stored substantially online to the terminal computer installed in the taxi.

However, when the debit card is approached to the card terminal installed in the taxi to pay the taxi fare using the RF debit card, the terminal computer connected to the card terminal is offline and the RF debit is applied to its own B / L data. After the card is inquired, the taxi fare will be paid if the card is in a normal state.

This offline payment amount is accumulated in the terminal computer, and when the online connection with the center computer for B / L data update is made, the accumulated offline payment amount is accumulated in the terminal computer in the taxi until then. By transferring the information, the amount collected by the VAN operator from the designated bank payment account of the debit card is transferred to its registered bank account.

In particular, the debit card payment system for taxi fares enables the issuance of taxi fares by simply connecting a printer to a terminal computer.

Such a taxi fare card payment system enables the use of taxis without cash and can solve the inconvenience of cash transactions and can be used in connection with other transportation described above.

The debit card system of the present invention as described above is a bus. Allows direct debit card payments for all fares, including trains, taxis and subways.

In particular, since the RF card applied to the present debit card system is a no battery, it can solve the problem of determining the life of the card according to the battery life. Therefore, the company including the electronic resident registration card (card) to be given various functions It can be effectively applied to cards, amusement facility use cards, public telephone cards, and highway toll cards.

In addition, the magnetic card is installed on the RF card of the present invention card system like all existing cards, and can be selected and used as a contactless or contact type according to necessity.

Claims (4)

An antenna coil which is formed by winding a thin line inside at a position deviating from the character embossing portion to be formed on the surface of the debit card, and self-generated by receiving radio waves to transmit internal data of the card, and the power induced by the antenna coil An RF debit card, the RF debit card being integrated into the card and including an integrated circuit for storing and processing data in the card; A card terminal that transmits radio waves to induce self-generation of the RF debit card and receives debit card number data that is wirelessly input from the activated Rf debit card; The debit card number data received from the card terminal is inquired into the black list (B / L) data storage module which has its own decision to determine whether to approve the transaction, and accumulate and manage the transaction data. A terminal computer which accesses to perform a data exchange for updating the B / L data and sending transaction data, and settles the use of the card from the designated bank settlement charge of the debit card; RF debit card system comprising a sensor computer of the issuer of the debit card issuance is connected to the computer network of the designated bank of the RF debit card for immediate payment. 2. The RF debit card according to claim 1, wherein the card terminal has a B / L data storage module which downloads and updates blacklist data temporarily or periodically, and is installed on the card terminal side to improve the processing speed of the debit card. system. The antenna coil of claim 1 or 2, wherein the antenna coil installed inside the RF debit card is installed by winding in a quadrilateral form along the outer circumference of the inside of the card, and an integrated circuit is installed inside the antenna coil. RF debit card system, characterized in that. The card terminal of claim 1 or 2, wherein the card terminal comprises: The main module, An RF card communication module including an antenna device for transmitting radio waves to supply power to the RF debit card and exchanging data related to the debit card with the RF debit card; A transaction history storage module for temporarily storing transaction details and payment data to settle the usage fee of the RF debit card; A terminal computer communication module for frequently exchanging debit card fee payment data and updated B / L data with the terminal computer; The card terminal RF debit card system characterized in that it comprises a user interface having a display device for displaying the amount of use and a keypad for inputting a user password to prevent fraudulent use.