KR20000022597A - Apparatus and method for storing an amount of money - Google Patents

Abstract

PURPOSE: A method for charging money and device thereof are provided to solve the problem that user himself visits a charging plate, and to provide user with convenience such as money charge, cancel and information change. CONSTITUTION: A device for charging money comprises a radio signal receipt block(210), a memory block(230), an operation logic block(220) and a noncontact block(240). The block(210) receives radio signals and determines transfer error. The block(230) stores the charged money. The operation logic block(220) performs identification process using a serial number, ID etc., to store the charged money data in the memory block(230) if identified. The block(240) detects and converts the charging signals from a card charger into prescribed format to transfer them to the logic block(220) or the memory block(230)

Description

Apparatus and method for recharging money {APPARATUS AND METHOD FOR STORING AN AMOUNT OF MONEY}

The present invention relates to a portable terminal, and more particularly, to an apparatus and method for charging money using wireless.

The use of cards has become commonplace based on the development of the information industry.

Currently, a payment service is provided for payment of a fee in an amount charged in a card without cash or a ticket as a payment method.

Such a card is also called a contactless wireless recognition card, and communication between the card and a reader or charger capable of reading / writing information in the card uses an amplitude modulation (AM).

In these cards, RF (Radio Frequency) chips are embedded and used as a means of supplementing money and paying transportation costs.

These cards can save you the hassle and time of having to buy a ticket when using public transportation, and change has the advantage of eliminating the inconvenience of giving and receiving.

However, the related art has a problem of having to visit a charging station to recharge the amount of money used, and also causing a loss to the user when the card is lost.

In addition, the prior art has the inconvenience of not knowing the amount of money available since the remaining balance is not displayed.

Accordingly, a first object of the present invention is to provide an apparatus and method for charging money, which is designed to charge money transmitted wirelessly by integrating a portable terminal and an electronic card capable of charging money in order to improve the conventional problems. have.

A second object of the present invention is to set the stop of the card by the wireless signal transmitted when the card is lost, and to stop the use of the wireless signal transmitted when the card is found.

A third object of the present invention is to change personal information by radio signals.

1 is a block diagram of an apparatus according to a first embodiment of the present invention.

2 is a block diagram of a microcomputer in FIG.

3 is a block diagram of a network for implementing the present invention.

4 is a signal flow diagram for practicing the present invention.

5 is a block diagram of an apparatus according to a second embodiment of the present invention.

6 is a block diagram of an apparatus according to a third embodiment of the present invention.

7 is a signal flow diagram for a third embodiment of the present invention.

8 and 9 are exemplary diagrams showing an encryption / decryption structure in the third embodiment of the present invention.

Explanation of symbols on the main parts of the drawings

210: radio signal receiving block 211: high frequency processing unit

212: key input unit 213: display unit

214: tone signal generator 215: microcomputer

220: operation logic block 221: wireless interface unit

222: non-contact interface 223: CPU (CPU)

224: RAM 225: ROM

226: information processing unit 230: memory block

240: non-contact block 241: variable demodulation unit

242: non-contact calculation unit

In order to achieve the above object, the present invention is based on the premise that the wireless telecommunication service provider provides service information, such as charging the money, canceling the charging of the money, stopping the use, canceling the use of the service, updating personal information, and the like.

The present invention is characterized in that the electronic card and the portable terminal are integrally configured to charge the electronic card in a wireless or contactless manner in order to achieve the above object.

That is, the present invention, in order to achieve the above object, the memory block for storing the charge amount data, and receiving a radio signal to determine whether the general wireless information or the amount of charge information, and displays the information according to the amount of charge information A wireless signal reception block for determining whether there is a transmission error, an arithmetic logic block for determining whether the charge amount information is justified if it is determined as the charge amount information, and storing the charge amount in the memory block if it is justified; The present invention provides a device having a non-contact block that detects an amount of charge signal and stores an amount in or pays an amount of money in the memory block.

The arithmetic logic block includes an information processing unit for determining whether the signal is a legitimate signal by encrypting or decrypting the encrypted information transmitted from the wireless communication provider and providing the result to the wireless signal receiving block or the memory block. .

The memory block may allocate and store the charge amount data by wireless and the charge amount data by the card charger in separate storage areas or store them in the same storage area. Each authentication information is allocated to a separate storage area, and a storage area for using personal information such as a pass and an electronic ID can be separately allocated.

In addition, the present invention is to determine whether the charge amount information when the wireless signal is received in order to achieve the first object, the step of determining whether there is an error in the case of the amount charge information, and if there is no error in the amount Generating money data through the decoding of the charging information and storing the money data; determining whether the received wireless signal is card stop information if the received wireless signal is not money charge information; If judged to provide a method for performing the step of setting the card to stop using.

The step of charging the amount of money is the step of determining whether the primary amount of charge information, and if the primary amount of charge information is extracted from the charge information from the charge information and adding the balance and determining whether the sum is greater than the limit of charge; If the sum is less than or equal to the filling limit, determining whether the encryption value matches a specific value extracted from the pre-stored amount information by encrypting with a predetermined key value, and the encrypted value and the extracted value coincide with each other. Encrypting and displaying the primary amount of charging information and setting a temporary stop of use; determining whether the secondary amount of charging information is received; Arranging the encrypted data according to the regulations and encrypting the specific data with a specific key value of the certification authority, wherein the encrypted value is the secondary value charging tablet. Determining whether the encryption value and the encryption value included in the step, and if the encryption value in the above, the desired amount of charge and the step of releasing the temporary use stop in the above and ending the charging operation by performing the first and second charge amount Only when the information is correctly received, the subscriber can configure the desired amount of charge.

The specific key value is a value previously assigned by a wireless communication service provider and a financial institution (for example, a bank).

In addition, the present invention comprises the steps of determining the pressing of a specific key for checking the charge amount history and the balance check, reading the pre-stored amount data when determining the pressing of the specific key, and the amount data read above The checking operation of the charged amount is performed by the method of performing the step of displaying the stored order.

In addition, the present invention is a first step of determining whether the use information, not the charge information, in order to achieve the second object, and if the card stop information determined in the above, extract the authentication information to match the previously stored authentication information And a third step of stopping the use of the card if the authentication information coincides with the second step.

The authentication information is characterized in that the specific number transmitted from the serial number or the wireless carrier of the subscriber station.

In addition, the present invention comprises the steps of determining whether or not to receive the personal information update information in order to achieve the third object, and in the case of the personal information update information extracts a specific variable and compares with the specific variable previously transmitted when updating the personal information And updating the personal information when the specific variable currently transmitted is larger than the previously transmitted specific variable.

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

Generally, there are various types of portable terminals, such as a mobile phone, a PDA, a wireless pager, and the like.

1 is a block diagram of an apparatus for an embodiment of the present invention, as shown therein, after receiving a radio signal to determine whether it is general radio call information or money charging information, and when the determined content is a normal radio call. The wireless signal reception block 210 which displays the contents of the call and determines whether there is a transmission error in the case of the charging amount information, the memory block 230 which stores the charged amount, and the charging amount information in the wireless signal reception block 210. In the case of comparing the serial number of the wireless signal reception block 210 and matched, the subscriber unique key value and the amount of money data is extracted through the process of decrypting the amount charging information, if the valid subscriber is determined whether there is an error and the amount When the data is stored in the memory block 230 and the charge amount details confirmation signal from the wireless signal receiving block 210, the memory block The operation logic block 220 which reads the charge amount data stored in the 230 and transmits it to the wireless signal receiving block 210, detects the amount charge signal from the card charger, converts it to a predetermined format, and then converts the memory block 230 into a predetermined format. It consists of a non-contact block 240 to be stored in).

The radio signal reception block 210 amplifies and decodes a radio signal, the high frequency processor 211, a key input unit 212 for inputting an arbitrary key signal, and the radio call information or the operation logic block 220 decrypted. Tone for generating a specific sound for a specific letter or number for the display unit 213 for displaying the amount of charge information passed through the process in letters or numbers, and the result of decoding the amount of charge information in the operation logic block 220 After reading the signal generator 214 and the output signal of the high frequency processor 211 to determine the general radio call information and the charge amount information, and transmits to the display unit 213 in the case of the general radio call information and the charge amount information; In the case that the amount of charge information is rearranged in a predetermined format suitable for the arithmetic logic block 220 and transmitted to the arithmetic logic block 220, a specific character or number which has been decoded accordingly Is transmitted to the display unit 213 and the tone signal generator 214, and when the key signal from the key input unit 212 is read as the charge amount indication key signal, it is transmitted to the operation logic block 220 and the amount corresponding thereto. The microcomputer 215 receives charging information and transmits the charging information to the display unit 213.

As shown in the block diagram of FIG. 2, the microcomputer 215 has an input / output interface unit 215a for receiving the digital signal converted by the high frequency processor 211, and a signal transmitted from the input / output interface unit 215a. Is determined to be wireless call information or charge amount information, and is converted to a number or a letter when it is determined to be wireless call information, and is transmitted to the display unit 213 through the input / output interface unit 215a. The CPU 215c for rearranging information in a predetermined format suitable for the logic block 220 to determine whether there is a transmission error, and the rearranged information when the CPU 215c determines that there is no transmission error. The operation logic interface unit 215b for transmitting the operation logic block 220 to the operation logic block 220 and the transmission error performed by the CPI 215c and a signal format program. And ROM (215e) in which a program for processing radio call information and a program for controlling a signal between the operation logic block 220 and the radio signal reception block 210 are embedded, and the operation data of the CPI 215c. It consists of a RAM (RAM) 215d for storing.

In the first embodiment of the present invention, the operation logic block 220 is a wireless interface unit 221 for transmitting and receiving information with the wireless signal receiving block 210, and the wireless signal input to the wireless interface unit 221 If the serial number of the block is compared with the serial number stored in the memory block 230, the amount of charge information is decrypted to extract the subscriber unique key value and the amount data, and the extracted subscriber unique key value is stored in the memory block 230. After determining whether a valid subscriber is compared with the unique key value of the subscriber, if it is a valid subscriber, the amount data is stored in the memory block 230. When the charge amount request signal is input through the wireless interface unit 221, the memory block 230 charges the charge. CPU (223) for reading the amount of money and transmits to the wireless signal receiving block 210 through the air interface unit 221, the security program, the amount of money It is configured with a storage manager, such as ROM (ROM) (225) and a RAM (RAM) (224) for storing operation data of the ssipiyu 223 providing the ssipiyu 223.

The memory block 230 may allocate and store the amount data in a separate storage area or store the same in the same storage area. The memory block 230 may allocate charge amount details and various authentication information to a separate storage area to store charge amount details. The area is allocated separately, and it is divided so that the storage area for using personal information such as a pass and an electronic ID can be separately allocated.

The contactless block 240 detects a high frequency signal from the card charger, converts the signal into a predetermined format, and transmits the converted predetermined format signal to the memory block 230 to charge money. The predetermined format signal, which has passed through the modulation / demodulator 241, is processed by the non-contact calculation unit 242 to generate money data, and is then configured to transmit and store the money data to the memory block 230.

In addition, according to the second embodiment of the present invention, as shown in the block diagram of FIG. 5, the non-contact calculating unit 242 is removed from the block diagram of FIG. 1, and the function of the non-contact calculating unit 242 is calculated. The CFI oil 223 is configured to perform.

The operational logic block 220 according to the second embodiment of the present invention is connected to the air interface unit 221, the CPI 223, the RAM 224, and the ROM 225 in the first embodiment of FIG. 1. A contactless interface unit 222 is further included to transmit and receive data between the 223 and the modulation and demodulation unit 241 in the contactless block 240.

The non-contact block 240 according to the second embodiment of the present invention detects the high frequency signal from the card charger and converts the signal into a predetermined format and converts the converted predetermined format signal into a calculation logic block 220 to charge money. The contactless block 240 transmits a signal, which the modulation / demodulation unit 241 converts into a predetermined format, to the contactless interface unit 222 in the operation logic block 220 to transmit the signal in the operation logic block 220. The CPI 223 is configured to store the amount data in the memory block 230.

The arithmetic logic block 220, the memory block 230, and the non-contact block 240 provided in the first and second embodiments of the present invention as described above are configured in one IC chip.

In the third embodiment of the present invention, as shown in the block diagram of FIG. 6, the wireless signal receiving block 210, the arithmetic logic block 220, the memory block 230, and the non-contact are the same as the block diagram of FIG. An information processing unit including a block 240 and the calculation logic block 220 encrypts the information received from the wireless communication provider, such as charging, stopping, disabling, and updating personal information, and providing it to the CPI 223. 226 is further included.

The information processing unit 226 may be configured as separate hardware or programmatically embedded in the CPI 223.

Referring to the operation and effect of the embodiment of the present invention configured as described above are as follows.

For the present invention, a wireless communication service provider should provide a subscriber with a deposit and withdrawal service in connection with a financial institution.

That is, the configuration of the communication network for the present invention, as shown in the configuration diagram of Figure 3, the wireless communication provider must be established with the communication network with the exchange, financial institutions, merchants, card companies and VAN operators, Value-added network operators should establish a network between card charging stations, their merchants and financial institutions.

In addition, in order to charge a desired amount in the electronic card using the communication network, the subscriber must open an account with a financial institution associated with the wireless communication provider.

Referring to the operation of charging the desired amount of money in the electronic card using such a communication network as follows.

First, the subscriber can charge using a PC or phone to wirelessly charge the electronic card coupled to the pager.

Assuming that a telephone is used, a telephone caller's own pager number is input to the wireless carrier system as a call request signal through the switching center.

In this case, the wireless service provider system determines whether the number is a valid number, and if the number is available, executes an automatic answering function to call a 'phone number', 'voice memo', Send an answering voice message to the calling subscriber via the switching center to request the selection of 'charge money', 'suspend', 'unsuspend', and 'update personal information'.

Therefore, assuming that the subscriber wants to charge the electronic card, if the user presses the numeric key or the symbol key corresponding to the 'charge', the wireless carrier system determines that 'charge' is how much to charge. It executes the auto answer function to input and presses the numeric key corresponding to the desired amount of money and detects it and sends a voice message to the subscriber to select whether to terminate or not.

Here, in the case of 'charging money', the user may require the input of a password at the beginning of the operation or the password input after the numeric key for the desired charging amount is pressed.

If a subscriber wants a different service, the subscriber presses the corresponding key and the wireless carrier system executes an automatic response function for the corresponding service.

Therefore, when the subscriber selects the 'charge amount' mode and inputs the desired amount, the wireless carrier system charges the desired amount in the subscriber's account through a VAN or through direct communication with a financial institution connected directly. If there is enough money to request and recharge the call, the subscriber's pager will be called.

1) The wireless charging operation will be described below.

In the first and second embodiments of the present invention, when the subscriber's wireless pager is called, the radio signal receiving block 210 converts the received signal into a digital signal and transmits the received signal to the microcomputer 215.

At this time, the input / output interface unit 215a in the microcomputer 215 receives the digital output signal of the high frequency processor 211 and transmits the digital output signal to the CPU 215c in the microcomputer 215.

Accordingly, the CPI 215c determines whether there is a signal of a certain pattern and determines whether it is a general wireless call or money charge information. When there is no signal of a predetermined pattern indicating money charge information in the signal pattern, it is determined as general wireless call information. The CPI 215c converts the signal into a number or a letter and transmits this signal to the display unit 213 through the input / output interface unit 215a to inform the subscriber of the call information.

On the contrary, when the signal of the pattern received from the high frequency processor 211 has a predetermined pattern indicating the amount of charge information and determined as the amount of charge information, the CPI 215c may receive information in a predetermined format suitable for the arithmetic logic block 220. Rearrange to determine if a transmission error has occurred.

At this time, if it is determined that a transmission error occurs, the CPI 215c generates a transmission error signal (for example, '2001') and transmits it to the display unit 213 through the input / output interface unit 215a and simultaneously corresponds to the transmission error message. A specific sound signal is transmitted to the tone signal generator 214 to generate a sound informing the subscriber that an error has occurred.

Therefore, when the subscriber sets the retransmission mode while listening to the voice message provided from the wireless carrier, the wireless carrier system sends the money recharge information again.

When there is no transmission error, the CPI 215c transmits the refilled amount of charge information in a predetermined format to the arithmetic logic block 220 through the arithmetic logic interface unit 215b.

At this time, the CPI 223 in the operation logic block 220 is a radio signal reception block stored in the memory block 230 in a transmission signal from the radio signal reception block 210 received through the radio interface unit 221. It is compared with the serial number of 210 and if it does not match, the CPI 223 determines to be an illegal user and invalidates the currently charged amount charging information.

If the serial number of the wireless signal reception block 210 is identical, the CPI 223 determines whether the amount of charging information or stoppage information is used, and if it is determined as the amount of charging information, the amount of money transmitted from the wireless signal reception block 210 is determined. The counter value included in the charging information is read and compared and determined to match the counter value of the function for decryption.

At this time, if the counter value does not match, the CPI 223 generates a counter value error signal (eg, '2004') and tones the display unit 213 in the wireless signal receiving block 210 through the air interface unit 221. The signal generator 214 notifies that a counter value error has occurred.

On the contrary, if the counter values match, the CPI 223 decodes the charge information received from the wireless signal reception block 210 as the counter value as a function of the counter value to generate the subscriber unique key value and the money data, and then the memory block. Compare with the subscriber unique key value in 230;

At this time, if the unique key value of the subscriber is identical, the CPI 223 checks the amount storage area in the memory block 230 to add the remaining balance and the current amount data and determine whether the sum is more than a predetermined amount.

If it is determined that the sum is more than a predetermined amount, for example, when the memory block 230 is programmed to be charged up to '990,000 won', the sum of the charge amount and the balance stored in the memory block 230 is added to '99. When it exceeds 10,000 won, the CPI 223 transmits an overflow signal (eg, '2003') to the radio signal receiving block 210 through the air interface unit 221.

Accordingly, the wireless signal receiving block 210 receives the overflow signal through the operation logic interface unit 215b and transmits the overflow signal to the display unit 213 through the input / output interface unit 215a and at the same time the tone signal generator 214. It generates a sound to notify the subscriber that the memory block 230 has exceeded the chargeable amount.

And, if it is determined that the sum amount is less than the predetermined amount, the operation logic block 220 is a sum of the sum of the current charge amount and the recent charge amount details through the wireless and the amount transmitted from the wireless signal receiving block 210 The sum of charges included in the charge information is compared and the current charge amount is stored in the memory block 230 when they match.

At this time, the memory block 230 stores several recent money transfer information and sequence information, and the CPI 223 in the operation logic block 220 increases the counter value by '1'.

In addition, in the above operation logic block 220 receives a signal indicating the operation error (for example, '2002') through the air interface unit 221, if an error occurs when receiving and calculating the amount of charging information through the wireless signal receiving block ( In operation 210, the display unit 213 displays the display unit 213 and generates a sound to the tone signal generator 214 to inform the subscriber that an operation error has occurred.

That is, the above-described wireless charging operation for money is performed in the same manner as in the first and second embodiments of the present invention.

In addition, the money charging operation according to the third embodiment of the present invention is as follows.

For the third embodiment of the present invention, the terminal stores in advance a specific key value given by a wireless communication provider and a specific key value given by a financial institution such as a bank.

First, the third embodiment of the present invention registers a password provided from a financial institution (for example, a bank) at the time of purchase of a terminal. The operation thereof will be described below.

If a subscriber opens an account at a financial institution (for example, a bank) connected to a wireless carrier and a network, and purchases a terminal combined with a card for recharging money through a wireless carrier or a distributor, the subscriber may inform the account number. Check the serial number of the terminal and the unique number of the chip embedded in the terminal and register it in the wireless service provider system.

Thereafter, the wireless communication service provider checks whether the bank is opened and adds a password registration pattern (for example, '1010') to an encrypted password provided to the bank to the subscriber terminal when the account is opened.

At this time, the terminal of the subscriber determines that the microcomputer 215 is not general radio call information in the radio signal reception block 210 and rearranges the data to the arithmetic logic block 220.

Accordingly, the operation logic block 220 determines whether there is a transmission error after determining the password pattern.

If it is determined that the transmission error, the operation logic block 220 transmits the checksum error message of the ISO standard to the wireless signal reception block 210, the wireless signal reception block 210 is a microcomputer 215 is displayed on the display unit 213 An error sound is sent to the tone signal generator 214 while displaying a transmission error message (for example, '[11] -ERR').

Therefore, it informs the wireless communication provider that the password registration has failed and requests the retransmission of the encrypted password provided by the bank.

If there is no transmission error, the arithmetic logic block 220 decodes the password encrypted by the information processing unit 226 using the specific key value of the bank stored in the specific area of the memory block 230 to the original password. The decrypted password is stored in a specific area of the memory block 230.

Thereafter, when the arithmetic logic block 220 decodes the original password, the wireless signal receiving block 210 informs the wireless signal receiving block 210 of the microcomputer 215 on the display unit 213. ] 'Indicates that the money can be charged.

Thereafter, when the subscriber attempts to charge the amount of money in order to use the card embedded in the terminal, the subscriber receives the first and second charge amount charging signals and proceeds to charge the amount of money.

First, the subscriber presses his call number using PC or phone to charge the amount, and after the communication is established, he listens to the automatic answering voice prompt provided by the wireless carrier and presses the number corresponding to the amount charging. .

After that, the subscriber enters his / her password, inputs the amount to be charged, and presses a specific button of the terminal at the request of the wireless carrier to display an encrypted counter value on the display unit 213 and displays the displayed counter value. Enter it.

Accordingly, the wireless service provider performs an authentication operation and transmits the encrypted primary amount charging information in which the amount the subscriber wants to charge is in the bank account. When the primary amount charging information is received, the wireless signal reception block 210 is received. The high frequency processor 211 converts the received signal into a digital signal and transmits the received signal to the microcomputer 215.

In this case, when the input / output interface unit 215a transmits the call signal to the CPI 215c, the CPU 215c searches for the presence or absence of a signal of a predetermined pattern to determine whether it is a general wireless call or an operation logic block 220. It is determined whether the information to be transmitted.

Accordingly, when there is a signal of a predetermined pattern and determined to be information to be transmitted to the arithmetic logic block 220, the CPI 215c transmits information to the arithmetic logic interface unit 215b, and the arithmetic logic interface unit 215b is arithmetic logic block. The signal is rearranged according to ISO-7816 standard, which is a signal form suitable for 220, and transmitted to the operation logic block 220.

In this case, the calculation logic block 220 receives the information transmitted from the microcomputer 215 and transmits the information to the CPI 223. The CUI 223 searches for a checksum bit and receives the received signal. Determine if it was sent correctly.

If it is determined that the checksum error, the CPI 223 generates a checksum error message and transmits the checksum error message to the microcomputer 215 through the wireless interface unit 221.

At this time, when the microcomputer 215 receives the checksum error message from the arithmetic logic block 220 through the arithmetic logic interface unit 215b, the CPU 215c determines that a transmission error has occurred and determines the input / output interface unit 215a. A command to display the occurrence of a transmission error is transmitted to the display unit 213 through.

Accordingly, the display unit 213 displays a transmission error message (for example, '[11] -ERR').

At this time, the subscriber presses the number '11' displayed on the display unit 213 to notify the wireless carrier of the occurrence of a transmission error and requests retransmission of the information.

If there is no checksum error, the operation logic block 220 determines that the CPI 223 is the primary amount of charge information and stores the primary amount of charge information in a specific area of the memory block 230 as it is.

At this time, the CPI 223 extracts the information below the predetermined pattern signal '1010' from the primary charge information stored in the memory block 230 to determine the transmitted charge request amount, and The sum is calculated by summing up the balance in the specific area (wireless charging + non-contact charging).

Accordingly, the CPI 223 determines whether the total amount exceeds the charging limit amount set in the specific area in the memory block 230.

If the total amount exceeds the filling limit, the CPI 223 notifies the microcomputer 215 to display a limit exceeding message (for example, '[22] -ERR') on the display unit 213.

At this time, the subscriber can press the number ('22') displayed on the display unit 213 to inform the wireless carrier of the occurrence of the charge limit exceeded error, and press the specific button of the terminal to display the balance on the display unit 213 and then request for charging. Determine and reenter the amount.

When the sum of the charge request amount and the balance does not exceed the charge limit amount, the CPI 223 defines the actual counter value and the chip unique number in a specific area of the memory block 230 among the transferred data. The encryption key value provided in advance by the wireless communication service provider as the encryption key value of the information processing unit 226.

At this time, the information processing unit 226 encrypts a part of the values arranged in the CPI 223 and initial values stored in a specific area of the memory block 230 when the chip is issued.

Accordingly, the CPI 223 compares whether the information processing unit 226 coincides with a partial value of the primary value charging information transmitted through a call with respect to a predetermined portion of the result value of the encryption.

If the comparison values do not coincide with each other, the CPI 223 determines that the authentication error is an authentication error and transmits a signal for displaying an authentication error message (eg, '[33] -ERR') on the display unit 213. ).

Thereafter, the subscriber presses the number '33' displayed on the display unit 213 to notify the wireless carrier of the occurrence of the authentication error, thereby requesting the retransmission of the primary amount charging information.

If an error occurs during the processing process, the CUI 223 transmits a signal for displaying a processing error message '[44] -ERR' to the wireless signal receiving block 210 on the display unit 213.

Accordingly, the subscriber presses the number '44' displayed on the display unit 213 to notify the wireless service provider of the occurrence of the processing error, thereby requesting the retransmission of the primary amount charging information.

If the partial value of the primary amount charging information and the portion of the encryption value in the information processing unit 226 match, the CPI 223 may generate a password, a charge request amount, a bank, and the like, stored in a specific area of the memory block 230. By arranging the chip unique number as prescribed, encrypting using a specific key value from a bank assigned when issuing a chip stored in a specific area in the memory block 230, and converting a part (or all) of the result value into decimal number. do.

Thereafter, the CPI 223 encrypts a chip-specific number and a specific number converted to a decimal number in the charge information (charge request amount, wireless carrier random variable,) memory block 230 transmitted wirelessly, Convert some (or all) to decimal.

Accordingly, the CPI 223 encrypts the decimal value by converting to a specific key value given by the bank and converts it into a decimal number and the result value converted into a decimal number by encrypting the specific key value given by the wireless communication service provider together with the memory block 230. Store in a specific area.

At this time, the CPI 223 transmits a message indicating that the primary amount of charging information has been successfully encrypted to the CPU 215 through the wireless interface unit 221 and delivers the CFU 215c to the CFU 215c. A command requesting a result value is transmitted to the CPI 223.

Accordingly, the CPI 223 transfers two decimal conversion values stored in a specific area of the memory block 220 to the microcomputer 215 through the wireless interface unit 221 and transfers the CUC 215c.

Accordingly, the CPI 215c transmits a command to display a decimal conversion value and an ICON type letter of 'charging' on the top or bottom of the value to the display unit 213 to generate a sound corresponding to the status message. The command is transmitted to the tone signal generator 214.

In addition, since the primary amount charging information is successfully encrypted in the operation logic block 220, the CUI 223 disables the current steady state flag and enables the temporary stop flag in the region indicating the card state in the memory block 230. Let's go.

The decimal conversion value displayed on the display unit 213 continues to be displayed until the secondary amount charge information or the charge cancel information is received, and the button becomes inoperable.

After that, the word 'charging' is displayed on the display unit 213, and when a predetermined time (for example, 1 minute) elapses, the character is changed to the word 'recharging' under the control of the microcomputer 215 for charging the secondary amount. Inform that you can begin the process.

At this time, the subscriber presses a number displayed on the display unit 213 transmitted from the wireless carrier side, that is, a decimal conversion value, and transmits it to the wireless carrier side.

Accordingly, the wireless service provider performs an authentication process for the number pressed by the subscriber, and if it is determined that the number cannot be authenticated, the subscriber notifies the subscriber of an automatic response voice message to view and input the number displayed on the display unit 213 again.

In addition, the wireless service provider performs an authentication process for the number pressed by the subscriber and notifies the subscriber with the automatic response voice message that the second amount of charging information is transmitted and the second amount of charging information is transmitted when the authorized number is authenticated. .

At this time, when the subscriber station receives the secondary amount charging information from the wireless signal receiving block 210, the high frequency processor 211 converts the call signal into digital information and transmits it to the microcomputer 215 to transmit the input / output interface unit 215a. Transfers to CFI (215c).

Accordingly, the CPI 215c determines whether there is a transmission pattern '1010' in order to determine whether it is general wireless information or information to be transmitted to the operation logic block 220. The CFU 215c is a secondary amount charging signal. ) Arranges the information according to a predefined ISO-7816 standard and transmits the information to the arithmetic logic block 220 through the arithmetic logic interface unit 215b.

In this case, when the information transmitted from the microcomputer 215 through the wireless interface unit 221 is transmitted to the CPI 223, the CRU 223 searches for a checksum error to determine whether there is a transmission error. Judge.

In case of a transmission error, the CPI 223 displays a transmission error message (for example, '[11] -ERR') on the display unit 213 and generates a command for generating an error sound through the tone signal generator 214. When the predetermined time (about 10 seconds) has elapsed, the decimal conversion value is displayed again on the display unit 213.

When there is no transmission error, the CPI 223 reads the bits below the predetermined pattern signal '1010' and recognizes the secondary amount of charging information as the secondary amount of charging information, and the specific variable and the memory block 230 included in the secondary amount of charging information. A decimal number value encoded by a chip unique number, a charge request amount, and a specific key value provided by a bank. The information processing unit 226 encrypts the arranged data with a specific key value assigned by a bank. do.

At this time, the CPI 223 compares whether the result value of the encryption by the information processing unit 226 is the same as all or part of the encrypted data included in the secondary value charging information transmitted from the wireless communication service provider side.

If it is determined that the value is not the same, the CPI 223 displays a command for displaying an authentication error message (for example, '[33] -ERR') on the display unit 213 for a predetermined time (for example, about 10 seconds). Transmit to 210.

If it is determined to be the same value, the CPI 223 stores the charged amount and the transfer date in the RAM 224, and then adds the remaining amount and the charged amount stored in the specific area of the memory block 230, and stores the charged amount in the specific area. And disables the temporary deprecation flag in a particular area of memory block 230 and enables the steady state flag.

In addition, the CPI 223 stores the charge amount and the transfer date in the charge amount details confirmation area allocated in the memory block 230.

Thereafter, CPI 223 generates a status message indicating that the desired amount of money has been successfully charged and transmits to the microcomputer 215 together with the amount of charge and the transmission date stored in the RAM 224.

At this time, the microcomputer 215 clears the decimal conversion value of the CPI 215c, displays the charge amount and the transfer date for a predetermined time (about 10 seconds), and simultaneously displays the letter of ICON type indicated as 'charging or recharging'. A command for erasing and displaying the word 'complete' for a predetermined time (about 10 seconds) is transmitted to the display unit 213.

Accordingly, the subscriber will recognize that the desired amount has been normally charged.

On the other hand, after the first amount of money charging process is completed, the 'money charge cancellation call' may be made during the second amount of money charging process.

This means that if there is no communication between a wireless carrier and a financial institution (for example, a bank) or withdraws from the subscriber's account between the first and second charges, the first amount is insufficient. This is because the subscriber station receiving the charging information is temporarily unavailable and cannot be used.

Therefore, the wireless communication provider side transmits a signal for canceling the primary amount charging information in order to terminate the temporary stop state of the subscriber terminal.

At this time, the subscriber terminal receiving the encrypted amount charge cancellation information from the wireless communication service provider performs the same process as the encryption process at the time of charge to search for a transmission error.

If a transmission error occurs, the CPI 223 notifies the microcomputer 215 to display a transmission error message (for example, '[11] -ERR') on the display unit 213 to request the subscriber to resend.

If it is not a transmission error, the operation logic block 220 is transmitted, and the operation logic block 220 is included in the wireless carrier random variable and memory block 230 included in the received amount charge cancellation information of the CPI 223. After reading and arranging the stored primary value charging information and the chip unique number, if the specific key value of the wireless communication service provider is designated as the encryption key value, the information processing unit 226 performs encryption.

At this time, the CPI 223 compares whether the result value encrypted by the information processing unit 226 and the cipher data included in the received amount charge cancellation information match.

If the comparison value does not match, the CPI 223 transmits a command to the microcomputer 215 to display the authentication error message '[33] -ERR' on the display unit 213.

If the comparison value is matched, the CPI 223 transfers a command for clearing the decimal conversion value displayed on the display unit 213 to the microcomputer 215 since the cancellation of the charge of the money is completed. Disable the stop flag.

Thereafter, the CPI 223 stores the charge revocation information in a specific area of the memory block 230 so that the subscriber terminal is in a using state.

Accordingly, all charging operations are terminated by deleting the currently charged primary amount charging information.

Thereafter, the user can resume the money charging operation.

That is, the present invention does not enable the chargeback cancellation information in the counter value encryption process only when the first and second charge amounts through the wireless successful charging of the first and second charges.

In addition, when the above procedure for charging the amount of money is performed, the contents of the primary amount of charge signal and the secondary amount of charge signal are stored in any specific area within the memory block 230, and only the processing result value and the primary amount of charge call are stored. A status message according to whether the call has been made or until the secondary value charge call has been made or the charge amount cancel call has been made.

The reason is that when visiting a wireless service provider due to an authentication error or malfunction, the wireless service provider compares the information he has with the contents stored in the device and simply grasps the state of the terminal to make smooth A / S. .

In addition, when the amount of money is charged, the subscriber presses a specific button provided on the terminal to display a counter value in a specific area within the memory block 230 on the display unit 213, which is stored in the memory block 230. The counter value is incremented each time the memory block 230 is charged or used.

That is, when charging the amount wirelessly or when charging the amount in a general charging station, the operation logic block 220 increases the counter value stored in the memory block 230 by '1'.

For example, in the case of using a card, the counter value is increased by '2' since the reader must pass through the reader when the subway is used and the reader must also pass when the subway is taken down.

If the reader reads the card once and fails, it reads it again, in this case '2'.

That is, the counter value increases by the number of times the reader reads until the reader reads the card and completes the transaction.

The counter value increased by the above process is provided as an authentication value to the wireless service provider during the charging process, thereby suppressing the transmission of information by the wireless service provider when a subscriber presses a key by mistake.

When the counter value counted above is displayed on the display unit 213, the counter is encrypted and displayed. The encryption process is as follows.

First, when a subscriber presses a specific button provided in the key input unit 212 of the terminal in order to view the counter value in order to charge the money over the air, a counter value request command is transmitted to the CPI 215c in the microcomputer 215.

At this time, when the CPI 215c notifies the operation logic block 220 that a counter value request command is input, the operation logic block 220 returns a hexadecimal counter value in which the CUI 223 is stored in the memory block 230. Read and convert to binary value, divide the result into several groups and perform binary sum of each group.

Accordingly, the CPI 223 receives a portion (or all) of the result of the binary concatenation and indicates whether or not to receive the chargeback cancellation call (eg, '1' if received or '0' if not received). Adds the result value and a portion of the chip unique number stored in the memory block 230 or a part of the initial value at the time of encryption and performs a logical operation, and converts the binary number of the result value into a decimal number.

At this time, when the CPI 223 transmits the decimal conversion value to the microcomputer 215, the CPI 215c is displayed on the display unit 213.

Therefore, the subscriber transmits the counter value displayed on the display unit 213 to the wireless communication service provider for use in the authentication process.

2) In the present invention, the charge charging operation by the charger will be described as follows.

First, the portable terminal is placed in the charging position of the card charger, the amount to be charged is charged, and then the charge is input by the card charger.

At this time, the card charger checks whether it can be charged by a prescribed authentication procedure.

Accordingly, if the charging is possible, the card charger generates a signal for the charged amount and the non-contact block 240 stores the charged amount data detected by the modulation / demodulator 241 in the memory block 230.

At this time, the process of storing the charge amount is different in one embodiment and the other embodiment according to the presence or absence of the contactless operation unit 242 in the non-contact block 240.

First, as in the first embodiment of the present invention, when there is a non-contact operator 242, the non-contact operator 242 stores the charge amount data directly into the memory block 230.

And, as in the second and third embodiments of the present invention, when there is no contactless operation unit 242, the memory block 230 through the contactless interface unit 222 and the CPI 223 in the operation logic block 220. Store the charge amount data in.

Thereafter, the charge of the amount is terminated by the above process, and when the user presses the amount confirmation button on the personal terminal, the microcomputer 215 transmits it to the arithmetic logic block 220.

In this case, the operation logic block 220 reads information such as the sum amount and the charge history by the wireless or refiller from the memory block 230 and transmits the information to the wireless signal reception block 210.

Accordingly, the wireless signal reception block 210 notifies the subscriber of the current charge amount and the charge amount details by displaying the charge amount information transmitted from the operation logic block 220 on the display unit 213. .

3) The operation of using the charged electronic card after charging the amount of money in the electronic card integrated with the portable terminal by the operation as described above is as follows.

First, if you bring a portable wireless pager with an electronic card to a card reader to pay for public transportation or purchase and pay for the goods, the type of card, unique authentication key value, and payment of the card is between the card reader and the portable pager. The payment process is performed by transmitting and receiving data and confirmation signals.

In this case, the payment process is different in each of the first and second and third embodiments according to the presence or absence of the contactless operation unit 242 in the contactless block 240.

First, as in the first embodiment of the present invention, when there is a contactless operation unit 242, the contactless operation unit 242 reads the amount of data in the memory block 230 directly and reads the amount of data as much as the payment amount. The payment is made by transmitting to the reader through the variation demodulation unit 241.

And, as in the second and third embodiments of the present invention, when there is no contactless operation unit 242, payment is made in the amount of data storage area in the memory block 230 through the CPI 223 in the calculation logic block 220. The amount of money data is transferred to the modulation and demodulation unit 241 of the non-contact block 240 through the non-contact interface unit 222 to pay the price by transmitting the amount data to the card reader.

4) The operation of checking the charging details or the balance after charging the money or using the money by the above operation is the same in the first to third embodiments, which will be described below.

If the user wants to check the remaining charge balance, when the user presses a specific button in the portable pager, the wireless signal reception block 210 determines this and transmits it to the operation logic block 220.

In this case, the operation logic block 220 searches the memory block 230, reads the stored amount data, and transmits the stored amount data to the wireless signal receiving block 210.

Accordingly, the wireless signal reception block 210 displays on the display unit 213 the current balance transmitted from the arithmetic logic block 220 by the microcomputer 212.

In addition, when the user wants to check the charge amount details, when the user presses a specific button of the key input unit 212 of the portable pager, the wireless signal reception block 210 causes the CPI 215 to determine this and transmits it to the operation logic block 220. do.

At this time, the CPI 223 in the operation logic block 220 reads the order information and the charge amount in the memory block 230 and transmits the read amount information to the wireless signal reception block 210.

Accordingly, the microcomputer 215 in the wireless signal reception block 210 sequentially displays the charge amount information transmitted from the operation logic block 220 on the display unit 213.

In addition, in the embodiment of the present invention, when the terminal is lost, the use stop may be set to stop the use of the terminal, find the terminal again, and then release the use stop.

5) First, the process of 'suspension' is as follows.

When a subscriber dials his / her calling number, the subscriber enters a call request signal to the wireless carrier system through the switching center.

At this time, the wireless service provider system executes the automatic answering function to call the 'phone number', 'voice memo', Send a voice message to the calling subscriber via the switching center to request the selection of 'charge money', 'suspend use', 'unsuspend use', 'update personal information', and the like.

Accordingly, since the subscriber intends to stop using the electronic card, pressing the number key corresponding to 'suspension' requires the subscriber to input a password from the wireless service provider system determined to be 'suspended'. If the match is compared with the stored password, the wireless carrier system calls the stop signal to the corresponding wireless pager through the switching center.

At this time, the wireless signal receiving block 210 of the subscriber's wireless pager converts the signal from the wireless communication provider system into the amplification and digital signal by the high frequency processing unit 211, and then inputs and outputs the interface unit 215a in the microcomputer 215. Transfers to CFI (215c).

Accordingly, the CPI 215c rearranges the stop signal in a predetermined format suitable for the arithmetic logic block 220 and transmits the stop signal to the arithmetic logic block 220 through the arithmetic logic interface unit 215b. Done.

In this case, the operation logic block 220 extracts the serial number of the radio signal reception block 210 from the transmission signal from the radio signal reception block 210 received by the CPI 223 through the radio interface unit 221 and stores the memory. It compares with the serial number stored in block 230 and controls itself so as not to transmit the recharge amount information if it matches.

Accordingly, in the first embodiment of the present invention, the operation logic block 220 disables the operation of the memory block 230, and in the second embodiment of the present invention, the operation logic block 220 is the memory block 230. In addition to disabling the operation, the non-contact block 240 is controlled to stop the function of the modulation / demodulation unit 241.

Therefore, the above operation stops the electronic card coupled to the wireless pager.

On the other hand, the above operation is performed in the same process as the signal flow of Figure 4, briefly described as follows.

When the wireless signal is received, the wireless signal reception block 210 determines whether it is general call information or money charging information.

In this case, when the amount of charge information, the wireless signal receiving block 210 rearranges the amount of charging information in a predetermined format and transmits it to the operation logic block 220, the CPI 223 decodes the information to a series of radio signal receiving block Extract number and unique key value of subscriber.

Accordingly, the CPI 223 compares the serial number of the decoded unsigned signal receiving block with the serial number of the wireless signal receiving block stored in the memory block 230 in advance, and if it matches, decrypts the subscriber unique key value and the memory block. When the subscriber unique key value previously stored at 230 is compared and matched, the right price charging operation is determined and the amount is charged in the memory block 230.

If it is determined that the received radio signal is a stop signal, the radio signal reception block 210 rearranges the signal and transmits the signal to the arithmetic logic block 220.

In this case, the operation logic block 220 extracts the serial number of the wireless signal receiving block 210 by decrypting the transmitted signal C223, and is stored in advance in the extracted serial number and the memory block 230. The serial numbers will be compared.

Accordingly, if the serial numbers match, the CPI 223 determines that the card is stopped and disables the memory block 230 and controls the non-contact block 240 to stop the function of the modulation / demodulator 241. Stop using the electronic card.

In addition, the suspension process in the third embodiment of the present invention is as follows.

First, the wireless telecommunication service provider receiving the usage request transmits the encryption value including the suspension pattern, the encryption value, the specific variable, and the transmission date as the suspension information together with the checksum information by determining that the subscriber is a valid subscriber after the authentication process .

At this time, the subscriber station receives the stop information transmitted from the wireless communication provider side to the operation logic block 220 when the wireless signal receiving block 210, the CPE 223 extracts a specific variable and memory block 230 Compares to a specific variable contained in previously stored suspension information.

If it is determined that the currently transmitted wireless carrier variable is equal to or less than the previously transmitted wireless carrier variable, the CPI 223 determines that the signal is not a valid signal and does not set the suspended state of the terminal. Is sent to the microcomputer 215 to display an authentication error message ('[33] -ERR').

On the contrary, if the presently transmitted specific variable is larger than the previously transmitted specific variable, the CPU 223 arranges the chip unique number and the specific variable included in the suspension information and the transmission date in the memory block 230 as specified. The processing unit 226 encrypts the data arranged above using a specific key value provided from the wireless communication provider.

At this time, the CPI 223 compares whether the encryption value included in the suspended information and the part or all of the result value processed by the information processor 226 match.

If the encryption values do not match, the CPI 223 transmits a command to the microcomputer 215 to display the authentication error message '[33] -ERR' on the display unit 213.

On the contrary, if the encryption values match, the CUI 223 enables the suspension flag provided in the memory block 230, stores the suspension information and the suspension information processing result value in the memory block 230, and then stores the suspension flag. The processing result is sent to the microcomputer 215.

Accordingly, the microcomputer 215 transmits a command for displaying the letter 'Stop' of the ICON form to the display unit 213.

Therefore, the use of the terminal itself is stopped by the above operation.

6) After that, if a lost terminal is found, the terminal should be suspended from use. First, in the case of the second and second embodiments, if the user opens a communication to the wireless carrier and presses a number key corresponding to 'disabled use', The wireless carrier system determined to 'disable the use' requires the subscriber to enter a password, and when the subscriber enters the password, the subscriber compares the password with the previously stored password and the wireless carrier system stops using the corresponding pager through the switching center. Send the release information.

In this case, the wireless signal receiving block 210 in the subscriber station converts a signal from the wireless communication provider system into an amplification and digital signal in the high frequency processing unit 211 and then through the input / output interface unit 215a in the microcomputer 215. Send to 215c.

In this case, the CPI 215c rearranges the stop signal in a predetermined format suitable for the arithmetic logic block 220 and transmits the stop signal to the arithmetic logic block 220 through the arithmetic logic interface unit 215b. do.

In this case, the operation logic block 220 extracts the serial number of the radio signal reception block 210 from the transmission signal from the radio signal reception block 210 received by the CPI 223 through the radio interface unit 221 and stores the memory. The serial number is stored in block 230.

Accordingly, if the serial numbers match, the CPI 223 controls the memory block 230 or the non-contact block 240 to transmit the charge amount information.

That is, in the first embodiment of the present invention, the operation logic block 220 enables the operation of the memory block 230, and in the second embodiment of the present invention, the operation logic block 220 is connected to the memory block 230. It enables the function of the modulation and demodulation unit 241 provided in the non-contact block 240.

Thus, the above operation releases the suspension of the electronic card coupled to the wireless pager.

In addition, in the third embodiment of the present invention, when the wireless service provider receives a suspension request from a legitimate subscriber, the suspension includes a suspension release pattern, a specific variable, an encryption value, and a transmission date when it is determined to be a legitimate subscriber through an authentication process. Send the release information.

Accordingly, the subscriber station receiving the suspension cancellation information transmitted from the wireless communication service provider side has the CPI 223 included in the operation logic block 220 to the previous suspension cancellation information stored in the memory block 230. The specific variable included is compared with the specific variable included in the currently released suspension release information.

Therefore, only when the specific variable currently transmitted is greater than the specific variable included in the previous cancellation release information, the CPI 223 performs an operation for releasing the suspension in the same manner as the 'use suspension' setting process.

However, if it is determined that the use is canceled, the CPI 223 disables the stop flag provided in the memory block 230 and at the same time enables the steady state flag and deletes the word 'Stop' displayed on the display unit 213. Command is sent to the microcomputer 215.

Thus, the subscriber station is ready for use.

In the case of the third embodiment, when the use stop or release stop information is first received, since there is no wireless carrier variable value in the memory block 230, the terminal uses the current specific variable value transmitted from the wireless carrier. Set disable or disable.

In this case, the stop or release process is performed and the result value is stored in the memory block 230. The reason for this is that if the previously used stop or disable information is transmitted again, the stop or stop use is performed. This is to prevent the setting.

If the subscriber does not find the lost terminal, visit the wireless carrier and terminate the terminal and purchase the new terminal when the user wants the money recharge service.

7) In addition, in the case of registration or update of personal information, the first and second embodiments are similar to the process of 'suspension of use', and if the comparison result of the serial numbers is identical, the CPI 223 of the memory block 230 The personal information stored in the specific area is updated with the currently transmitted information.

In the third embodiment, a process similar to 'stop use' is performed. When the checksums are matched, the CPI 223 is stored in a specific area of the memory block 230 by using the data decoded by the information processor 226. Update personal information.

8) Meanwhile, the third embodiment of the present invention encrypts or transmits information transmitted from a wireless service provider when performing a procedure such as charging, suspending and releasing money, and updating personal information in the same process as the signal flow of FIG. 7. To perform the decoding, an algorithm called 'Triple DES' may be applied.

The `` Triple DES '' algorithm is used to encrypt or decrypt the DES algorithm three times. The DES algorithm is used to encrypt or decrypt data using a specific key value.

Therefore, in the case of password registration and personal information update, if the wireless communication provider encrypts as shown in FIG. 8 (a), the subscriber station performs decryption as shown in FIG. 8 (b).

In the case of charging, suspending, or releasing the amount of money, if the wireless communication service provider encrypts as shown in FIG. 9 (a), the subscriber station performs encryption as shown in FIG. Will proceed.

As described in detail above, the present invention can charge a desired amount of money in the electronic card using a wireless as well as a price charger, thereby eliminating the inconvenience of the subscriber visiting the charging station directly.

In addition, the present invention has the effect that can be easily set to prevent the loss of money because the card can be set to stop using the wireless when lost.

In addition, the present invention can change not only the charge and cancellation of the amount of money, but also personal information and the like, thereby providing convenience to the user.

Claims (33)

An apparatus for charging money, characterized in that the electronic card is integrated into a portable terminal so as to charge a desired amount in the electronic card using a wireless communication or a charger. The apparatus for charging money according to claim 1, wherein the electronic card comprises a separate means for using personal information. A wireless signal reception block for determining whether it is general wireless call information or money charge information by receiving a radio signal, a memory block for storing charge amount, details, and authentication information, and money charge information transmitted from the radio signal reception block. The operation logic block for retrieving the charge amount data extracted from the charge amount information and storing the charge amount from the card charger in the memory block, and reading the charge amount of the memory block upon payment A device for charging money, comprising a contactless block for paying. 4. The apparatus for charging money according to claim 3, wherein the operation logic block is configured to store desired amount of money data in the memory block only when the first and second charge amount information is received from the wireless signal receiving block. The wireless signal receiving block of claim 3, wherein the wireless signal reception block comprises: a key input unit for inputting an arbitrary key signal, a display unit for displaying general wireless call information or charge amount information in letters or numerals, and an output signal of the high frequency processor to decode the general wireless signal. In the case of the call information, the control unit transmits the information directly to the display unit, and in the case of the charge amount information or the charge amount history check key signal from the key input unit, transmits it to the operation block, and receives the charge detail information accordingly and displays it on the display unit. Means and a tone signal generator for generating a ringing tone or an error sound at the time of charging the money by the control means. The calculation logic of claim 5, wherein the control unit searches whether the output signal of the high frequency processor has a predetermined pattern signal to determine whether it is general wireless information or money charging information, and when it is determined that the signal of a predetermined pattern exists as money charging information. And reordering information in a predetermined format suitable for the block to determine whether there is a transmission error, and when the transmission error is not present, transmitting the rearranged information to the arithmetic logic block. The memory device of claim 3, wherein the non-contact block stores a charge demodulation unit that transmits and receives a signal to and from a card charger or a card reader, and charges data from the change demodulator in a memory block in the case of payment of money. Money amount charging device, characterized in that configured as a non-contact calculation unit for reading the charge amount data stored in the transmission to the modulation and demodulation unit. The method of claim 3, wherein the calculation logic block adds the remaining amount of the memory block and the charged amount when the amount of the charged amount data is less than the predetermined amount when the extracted authentication information and the previously stored various authentication information match each other and are determined to be legitimate subscribers. Control means for storing data in the memory block and transmitting the data for error indication and error sound generation to a radio signal reception block when the sum is greater than a predetermined amount, and transmitting and receiving data between the radio signal reception block and the control means. Money charging apparatus characterized in that it comprises a wireless interface for the configuration. 9. The apparatus of claim 8, wherein the control means extracts the authentication information when the output signal of the radio signal reception block is read and read as the stop signal, and disables the memory block when the extracted authentication information matches the previously stored authentication information. And stop the use of the card. A wireless signal reception block for receiving the wireless signal and determining whether it is general wireless call information or charge amount information, a memory block for storing charge amount, details, and authentication information, a modulation / demodulation unit for transmitting and receiving a signal with a card charger; If it is determined that various authentication information extracted from the charge information transmitted from the wireless signal receiving block is justified, the charge amount data is stored in the memory block, and the charge amount data from the modulation / demodulation unit is stored in the memory block. And an arithmetic logic block configured to read the payment amount data of the payment amount confirmed by the modulation and demodulation unit from the memory block and pay through the modulation and demodulation unit. 11. The method of claim 10, wherein the operation logic block is configured to receive the first and second amount of charge information from the radio signal receiving block, respectively, and stores the amount data in the memory block only if each amount of charge information is justified. Amount recharge device. 12. The apparatus for charging money according to claim 10 or 11, wherein the arithmetic logic block is configured to temporarily stop the use of the terminal when legitimate primary money charging information is received from the radio signal reception block. The apparatus of claim 12, wherein the operation logic block is configured to release a temporary stop state of the terminal when the charge revocation information is received from the wireless signal receiving block during the charge charging operation. 12. The method according to claim 10 or 11, wherein the operation logic block decodes the charge amount information by wireless to store the charge amount data in the memory block in case of a legitimate subscriber, and also stores the non-contact charge amount data in the memory block. And a control means for reading the amount of data corresponding to the payment amount confirmed at the time of payment and transmitting it through the contactless interface unit, a wireless interface unit for transmitting and receiving data between the radio signal reception block and the control means, and between the modulation and demodulation unit and the control means. Money charging device comprising a non-contact interface for transmitting and receiving a signal. 15. The apparatus according to claim 14, wherein the control means disables the operation of the memory block and stops the use of the card when the output signal from the radio signal receiving block is read as a valid stop signal. Charge amount device, characterized in that. A device combining a portable terminal and an electronic card, comprising: a high frequency processing means for receiving a radio signal and converting the signal into a digital signal, a modulation / demodulation means for transmitting and receiving a signal with a card charger or a card reader, and a charge amount, details, and authentication information When the charge amount information is determined by receiving the output signal of the high-frequency processing means and the various amounts of authentication information extracted from the amount information and the pre-stored authentication information is stored in the memory block In addition, the control unit checks the charge amount data input through the modulation / demodulation unit and stores the data in the memory block, and when the payment is made, the control unit reads and pays the amount data of the payment amount confirmed through the modulation / demodulation means in the memory block. Amount of charging device. A method of storing an amount of money in an electronic card by a wireless communication or a card charger, the method comprising: a first step of determining whether the amount of money is charging information when a wireless signal is received; And a third step of storing the amount data extracted from the charged amount information if it is determined that the subscriber is a legitimate subscriber. The method of claim 17, wherein the first step of determining the amount of charging information comprises determining the amount of charging information when a signal having a predetermined pattern exists in the received wireless signal. 18. The method of claim 17, wherein the second step of comparing various pieces of authentication information comprises: a first step of extracting a serial number of the radio signal reception block from the charge information and determining whether the serial number matches the previously stored serial number; And a second process of reading a counter value included in the money replenishment information to determine whether it matches a counter value of a function for pre-decryption, and a unique key value extracted through a series of decryption processes in which the counter value matches. And a fourth process of determining whether a pre-stored unique key value matches and a fourth process of judging a valid subscriber if the unique key value matches. 20. The method of claim 19, wherein a series of decryption steps of the money refill information is performed when a counter value extracted from the money refill information matches a counter value for decryption previously stored. 18. The method of claim 17, wherein the third step of storing the amount data comprises: a first step of determining whether the amount is less than the predetermined amount by adding up the current balance and the amount of the charge if it is determined that the user is a legitimate subscriber; A second step of determining whether the sum of money amount and the sum of charges of several recent charges by wireless and the sum of money included in the charge information of wireless are identical; and storing the charge amount data when the sum is identical. And a fourth step of determining that the sum is greater than a predetermined amount or the sum does not coincide with the sum of the sum and the sum of the sum and the sum. 18. The method of claim 17, further comprising displaying a current charge amount and a charge amount detail when storing of the charge amount data is completed. A method of changing information of an electronic card by wireless communication, comprising: a first step of determining whether card stoppage or release information is received when it is not money charging information; And a third step of extracting and comparing the information to match the previously stored authentication information, and a third step of stopping or releasing the card if the authentication information is identical. The method of claim 23, wherein the authentication information of the second step is a specific variable transmitted from a wireless carrier. 25. The method of claim 24, wherein the specific variable is a serial number of the radio signal receiving block. A method for storing an amount of money in an electronic card by a wireless communication or a charger, the method comprising: a first step of determining whether a personal information update information is received when a wireless signal is received; And a third step of comparing the specific variable transmitted at the time of updating the information and a third step of updating personal information if the specific variable currently transmitted is larger than the previously transmitted specific variable. A method of storing an amount of money in an electronic card by a wireless communication or a charger, the method comprising: determining whether the amount of charge information is the primary amount of charging information when the amount of charging information is received; A second step of determining whether it is a legitimate signal by performing authentication, a third step of setting a temporary stop state and awaiting reception of the secondary amount charging information if it is determined that the legitimate signal is received, and the secondary amount charging information above And receiving a fourth step of determining whether it is a legitimate signal by authenticating the secondary amount charging information, and performing a fifth step of charging the required amount of money and switching to a usable state if it is determined that the signal is legitimate. How to charge amount. 29. The method of claim 27, further comprising the step of terminating the amount charging operation upon receiving the legitimate amount charging cancellation information after receiving the first amount charging information. 28. The method of claim 27, wherein the authentication process of the second step comprises: a first process of extracting the charge request amount from the primary amount charging information and adding the sum to the balance and determining whether the sum is greater than the limit of charge; If the same or less than the second step of encrypting with a specific key value stored in advance to determine whether the coincidence with the specific value extracted from the charging information of the primary value; if the encrypted value and the extracted value is the same as the primary key And a third process of encrypting the amount filling information and converting it to a decimal number and displaying the decimal value. 30. The method of claim 29, wherein the encryption of the third process is performed using specific key values assigned by the first and second certification authorities, respectively. 28. The method of claim 27, wherein the authentication process of the fourth process comprises: a first process of arranging data included in the secondary value charging information according to a prescribed manner and encrypting the data with a specific key value of a certification authority; And a third process of determining whether the encryption value is included in the charging information and a third process of determining that the encryption value is a valid signal. 32. The method of claim 31, wherein the specific key value is assigned from a second certification authority rather than a wireless carrier. 33. The method of claim 30 or 32, wherein the specific key value is stored in advance.