KR101049557B1 - Method and system for automatic charging of traffic fare using virtual account and recording medium - Google Patents

Abstract

The present invention relates to a method and system for automatically charging a fare using a virtual account and a recording medium therefor. The method for automatically charging a fare using a virtual account according to the present invention includes: Depositing a certain amount of traffic fare deposit, storing the virtual account information and the contactless IC card information for the chargeable transportation rate payment in a storage medium, and being provided at the toll gate of the toll road (or highway); Rechargeable chargeable tolls are charged from a toll payment device (or a financial teller that reads the contactless IC card information for charging a chargeable charge) by wirelessly communicating with a contactless IC card for paying a charge. Receiving the non-contact IC card information for the mobile terminal; Checking the virtual account information for charging the toll charge associated with the non-contact IC card information and charging the contactless IC card for paying the chargeable transportation fee through the transportation fee deposit deposited in the virtual account for charging the transportation fee; Include.

 Virtual Account, Traffic Fee, Auto Charge

Description

Method and system for automatic charging of traffic fare using virtual account and recording medium for the same {Method and System for Auto-cging Traffic Fee by Using Virtual Account and Recording Medium}

1 is a diagram illustrating an automatic charging system of a contactless IC card for charging a chargeable transportation fee through a virtual account according to an embodiment of the present invention.

2 is a diagram illustrating a system for establishing and registering a virtual account in a face-to-face manner for automatically charging a traffic fare using a virtual account according to an exemplary embodiment of the present invention.

3 is a diagram illustrating the structure of ledger information corresponding to a virtual account for automatic charge of traffic according to an embodiment of the present invention.

Figure 4 shows the process of opening a virtual account in the name of the customer using the contactless IC card for payment of the charge through the virtual account registration information registered in a face-to-face manner for the automatic charging of traffic charges using the virtual account in accordance with an embodiment of the present invention One drawing.

5 is a diagram illustrating a process of registering virtual account information for automatic charge of traffic for automatic charge of traffic charges using a virtual account according to an embodiment of the present invention.

6 is a diagram illustrating a non-face-to-face virtual account opening and registration system for automatic charging of traffic charges using a virtual account according to another exemplary embodiment of the present invention.

7 is a diagram illustrating the structure of ledger information corresponding to a virtual account for automatic charge of traffic according to an embodiment of the present invention.

8 is a process of opening a virtual account in the name of a customer using a contactless IC card for payment of a chargeable transportation fee through a virtual account registration information registered in a non-face-to-face manner for automatic charging of a transportation fee using a virtual account according to an embodiment of the present invention. Figure is a diagram.

9A and 9B illustrate a contactless IC card for paying a transportation fee through a virtual account registration information registered in a non-face-to-face manner for automatically charging a transportation fee using a virtual account according to another embodiment of the present invention. A diagram illustrating a process of opening a virtual account.

FIG. 10 is a diagram illustrating a process of registering virtual account information for automatic charging of a fare for automatic charging of a fare using a virtual account according to an embodiment of the present invention.

11 is a diagram illustrating an automatic charging processing system for a contactless IC card for paying a transportation type according to an embodiment of the present invention.

12 is a diagram illustrating a process of automatically charging a contactless IC card for paying a transportation charge through a virtual account according to an exemplary embodiment of the present invention.

FIG. 13 is a diagram illustrating a process of automatically charging a contactless IC card for paying a transportation charge through a virtual account according to another embodiment of the present invention.

<Description of main parts of drawing>

100: virtual account registration server 105: transportation charge server

110: traffic fare management server 115: traffic fare payment device

120: Non-contact IC card for paying a rechargeable transportation fee

125: IC card device 130: automatic teller machine

135: employee terminal 140: client terminal

The present invention includes the steps of opening a virtual account for charging the fare of the customer and depositing a certain amount of the fare deposit, and storing the virtual account information and the contactless IC card information for the chargeable transportation fare payment in a storage medium; And a toll gate of a toll road (or expressway), which is provided in a toll gate to communicate wirelessly with the non-contact IC card for paying the chargeable transportation rate, and to charge and process the traffic charge (or contactless IC card information for paying the chargeable transportation charge) Receiving a non-contact IC card information for charging a chargeable transportation fare from a financial automatic device), and charging a fare associated with the non-contact IC card information for charging a chargeable transportation fare in association with the storage medium. Checking the virtual account information and the traffic fare deposit deposited in the virtual fare charging account; Using virtual accounts comprising charging a contactless IC card for transportation typical transportation fare payment relates to an automatic charging method.

As information and communication technology continues to develop, the High-Pass service, which pays for transportation on toll roads (or highways) through a contactless IC card, is a trial service period. The high pass service is expected to be gradually activated.

Meanwhile, in the conventional high pass service method, when the vehicle equipped with the high pass passes through the toll gate equipped with a traffic fare payment device, when the amount of money charged to the high pass IC card is insufficient, the passage of the toll gate is allowed once. During the grace period, the driver of the high-pass vehicle visits the high-pass charging station to settle the shortage amount (or charge the high-pass IC card) and then settle the settlement. Or after the shortage settlement), the driver of the high-pass vehicle must visit the high-pass charging station directly, and the dispute between the driver and the charging station that occurs in the post-payment process after the grace period has elapsed. It includes the legal process of dealing with the passage of the toll gate after the grace period has elapsed.

An object of the present invention is to open a virtual account for charging a fare in a customer's name and to deposit a certain amount of a fare deposit, and store the information in a storage medium in association with the virtual account information and the contactless IC card information for charging a chargeable fare. A traffic fare payment device (or the chargeable traffic fare) provided at the toll gate of the toll road (or highway) to wirelessly communicate with the contactless IC card for payment of the chargeable traffic fare. An information receiving means for receiving the non-contact IC card information for charging the chargeable transportation fee from the financial automatic device which reads the non-contact IC card information for payment, and the contactless IC card for payment of the chargeable transportation fee in association with the storage medium. Through the virtual account verification means for confirming the virtual account information associated with the information and the transportation fare deposit deposited in the virtual account A transportation fee charged sudanreul including transportation fare automatic charging system using a virtual account for charging the non-contact IC card for the rechargeable transportation fare payment to provide.

According to the present invention, a method for automatically charging a traffic fare using a virtual account may include opening a virtual account for charging a fare for a customer and depositing a certain amount of a traffic fare deposit, and contactless IC for paying the virtual account information and a chargeable fare. A traffic fare payment device for storing the information in a storage medium in association with the card information, and provided in a toll gate of a toll road (or highway) to wirelessly communicate with the contactless IC card for payment of a chargeable traffic fare to pay and process the traffic fare. Or receiving the non-contact IC card information for charging the chargeable transportation fare from the financial automatic device which reads the non-contact IC card information for charging the chargeable transportation fare, and paying the chargeable transportation fare in association with the storage medium. Checking the virtual account information for charging the toll associated with the contactless IC card information for the contact and the charging of the toll Through the charge transport deposits deposited in the virtual account for a step of charging the non-contact IC card for the rechargeable transportation fare payment.

According to the present invention, the step of charging the contactless IC card for payment of the chargeable type of transportation fee with the amount deposited in the virtual account, the chargeable type of transportation fee with a plurality of toll payment devices to the toll gate of the toll road (or highway) The contactless IC card for payment and the charge amount information are provided, and when the vehicle equipped with the contactless IC card for payment of the chargeable transportation fare requests the payment of the traffic charge through the traffic fare payment device, the contactless IC for payment of the chargeable transportation fare The charging amount is charged to the contactless IC card for payment of the chargeable transportation rate by processing the card to be charged with the charge amount or providing the contactless IC card information and the charge amount information for the chargeable transportation fee payment to the automatic teller machine. The processing is characterized in that the filling.

The present invention includes a computer-readable recording medium characterized by recording a program for executing the above-described automatic charge method of transportation using the virtual account.

Traffic automatic charge system using a virtual account according to the present invention, by opening a virtual account for the charge of the traffic charges in the name of the customer and deposits a certain amount of traffic charge deposit, the contactless IC for payment of the virtual account information and the chargeable charges Traffic fee for storing the information stored in the storage medium in association with the card information, and the toll gate of the toll road (or expressway) to wirelessly communicate with the non-contact IC card for payment of the chargeable traffic fee to pay the traffic fee Information receiving means for receiving a non-contact IC card information for charging a chargeable toll charge from a payment device (or a financial automated device which reads the non-contact IC card information for paying a chargeable transportation fee) and the storage medium in association with the storage medium; Virtual account verification means for confirming the virtual account information associated with the contactless IC card information for the charge-type transportation fare payment; And a traffic fare charging means for charging the non-contact IC card for paying the chargeable transportation fare through the transportation fare deposit deposited in the virtual account.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. In other words, each means constituting the present invention is a server (or terminal) provided on the system shown in the following embodiments, or a predetermined functional configuration provided in at least one or more servers (or terminals), or at least It may be an association of at least two or more functional components provided in one or more servers (or terminals). In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more servers (or terminals) different depending on the role and function of each functional component and the corresponding server (or terminal) operator (or operator), thereby limiting the present invention Not.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating an automatic charging system of a contactless IC card 120 for charging a charge for a transportation fee through a virtual account according to an embodiment of the present invention.

In more detail, Figure 1 is provided in a toll gate of a toll road (or expressway) is a traffic fare payment device 115 for wirelessly communicating with the non-contact IC card 120 for the chargeable transportation fare payment to pay the traffic fare payment ( Alternatively, the non-contact IC card 120 for charging the chargeable toll charge information and the amount of traffic shortage information (or the balance of the charge) from the financial teller 130 that reads the non-contact IC card 120 for chargeable charge. Information), and receives the chargeable charge information through an amount deposited in a virtual account for automatic charge of the charge associated with the contactless IC card 120 information for paying the chargeable charge. As a system configuration for automatically charging the non-contact IC card 120 for use, those of ordinary skill in the art to which the present invention belongs, Various implementation methods (for example, some components may be omitted, subdivided, or combined) may be inferred for the automatic charging system of the non-contact IC card 120 for paying the transportation fee through the virtual account. However, the present invention includes all the implementation methods inferred above, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 1, the automatic charging system of the contactless IC card 120 for paying a transportation fee through the virtual account may include a customer information and a customer using the contactless IC card 120 for paying a transportation fee provided from a customer. Open a virtual account based on the real account (or transportation charge account operating account) of the customer's name through the virtual account registration information including at least one of account information, account deposit information and virtual account information, and the account deposit is recalled. After depositing in the virtual account, the virtual account registration server 100 for storing in the storage medium in association with the opened virtual account information and the non-contact IC card 120 for paying the transportation fee characterized in that it comprises a. .

In addition, the automatic charging system of the contactless IC card 120 for paying the transportation fee through the virtual account is provided at the toll gate of the toll road (or highway) and the contactless IC card 120 for payment of the chargeable transportation fee. A traffic fare payment device 115 for wirelessly communicating and paying traffic charges is connected to the traffic fare payment device 115 through a communication network, and the traffic fare payment device 115 is provided in the toll gate passing vehicle. After the payment for the traffic charges through the amount charged in the contactless IC card 120 for payment of the chargeable transportation fee, the amount charged for the transportation fee is insufficient (or the charged amount is less than a certain amount) ) Periodically (or in real time) of the traffic fare charging request information, including the contactless IC card 120 information for paying the rechargeable transportation fare and the information on the shortage of the transportation fare (or the balance remaining information). Traffic fare management system comprising a traffic fare management server 110 to receive and store in the traffic fare management D / B, and the traffic fare payment device 115 to the traffic fare management server 110 on the traffic fare management system Is connected through a communication network, and the amount of money charged in the contactless IC card 120 for payment of the chargeable traffic fee from the traffic fee payment device 115 to the traffic fee management server 110 is insufficient (or the amount charged is constant). Receive periodic (or real-time) traffic charge request information, including the contactless IC card 120 information for paying the chargeable transport fee and information on the shortage of the transport fee (or the remaining balance information), and FIG. 2 Alternatively, the contactless IC for paying the chargeable transportation fee in connection with a storage medium storing the automatic charge information for the transportation fee registered through the virtual account registration system shown in FIG. Check the virtual account information and the account deposit information associated with the information, and withdraw the predetermined transportation fare charge among the deposits deposited in the confirmed virtual account, the contactless IC card for payment of the chargeable transportation fare (120) It is characterized in that it further comprises a financial system that charges the traffic charge server 105 to process the charge and the virtual account of the virtual account for the automatic charge of the traffic charge.

Alternatively, the automatic recharging system of the non-contact IC card 120 for chargeable transportation rate payment through the virtual account may be a financial automated device that reads the non-contact IC card 120 for chargeable transportation rate payment and balance information. And the traffic charge charging request information including the non-contact IC card 120 information for the chargeable transportation fee payment and the shortage of the transportation fee information (or the remaining balance information) from the automated teller machine 130. And a virtual account associated with the non-contact IC card 120 information for the chargeable transportation fee payment in association with a storage medium storing the automatic charge information for the transportation fee registered through the virtual account registration system illustrated in FIG. 2 or FIG. 6. The contactless IC card 120 for checking the chargeable transportation fee by checking information and account deposit information, and withdrawing a predetermined transportation fee charge among the deposits deposited in the confirmed virtual account. It characterized by further comprising a transportation fee charging server 105, the transportation fee of the virtual account of the virtual account for the automatic charging system of the financial establishment processing to be charged.

However, in FIG. 1, the virtual account registration server 100 and the traffic charge charging server 105 are illustrated as one server type for convenience. However, the present invention is not limited thereto, and the virtual account registration is not limited thereto. The server 100 and the transportation charge recharging server 105 may be implemented in the form of two or more server groups for each component, or in the form of one integrated server, and the present invention includes all the inferred implementation methods. Characterized in that made.

2 is a diagram illustrating a system for establishing and registering a virtual account in a face-to-face manner for automatically recharging traffic charges using a virtual account according to an exemplary embodiment of the present invention.

In more detail, Figure 2 shows a customer using a contactless IC card 120 for payment of a chargeable transportation fee to automatically charge the transportation fee using the virtual account through a virtual account opening and registration system through a face-to-face information registration interface. And providing virtual account registration information including at least one of customer account information, account deposit information, and virtual account information, the real account of the customer name (or the virtual account registration information provided by the virtual account registration information provided by the virtual account opening and registration system). Open a virtual account with a parent account as a parent account and deposit the account deposit in the virtual account, and then link the opened virtual account information with the rechargeable contactless IC card 120 for payment of a chargeable transportation fee. By storing in the storage medium 240, the chargeable transportation fee payment through the amount deposited in the virtual account As a system configuration for automatically charging the non-contact IC card 120, a person of ordinary skill in the art to which the present invention pertains, referring to and / or modifying FIG. Various implementation methods for the establishment of a virtual account and a registration system for charging may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in the virtual account opening and registration system shown in FIG. 2, the customer information, the customer account information, and the account deposit using the rechargeable contactless IC card 120 provided from the customer through a face-to-face information registration interface. Receive virtual account registration information including at least one information and virtual account information, and through the virtual account registration information to open a virtual account with a real account (or transportation charge charging operating account) of the customer name as a parent account and the At least one means and / or function of depositing an account deposit in the virtual account and then storing the opened virtual account information in connection with the rechargeable contactless IC card 120 for storage in the storage medium 240. Components corresponding to the configuration are referred to as "virtual account registration server 100" for convenience.

Referring to FIG. 2 according to an embodiment of the present invention, a virtual account opening and registration system for automatically recharging traffic charges using the virtual account includes an employee terminal 135 provided at at least one financial institution branch. The employee terminal 135 is connected to the virtual account registration server 100 provided on the virtual account opening and registration system through a financial network.

According to an embodiment of the present invention, the customer visits the financial institution branch for automatic charging of the transportation fare using the virtual account, and the virtual account through a window provided at the financial institution branch (or through a teller). Fill out an application form for the automatic charging of transportation charges (e.g., a document with a form for filling in at least one information item for the automatic charging of transportation charges using a virtual account), and submit the completed application form to the counter staff. The teller employee inputs (or selects) the information filled in the application through the employee terminal 135, and the employee terminal 135 sends the input (or selected) information to the virtual account through the financial network. It is preferable to transmit to the virtual account registration server 100 provided on the establishment and registration system.

Here, preferably, the employee terminal 135 includes a teller terminal used by a teller employee provided at the branch of the financial institution, and the virtual account registration server 100 connected to the employee terminal 135 includes the virtual account. It is preferable that the ledger server provided on the financial system of the financial company is established, the financial network connecting the employee terminal 135 and the virtual account registration server 100 is virtual with the employee terminal 135 It is preferable to include the current network connecting the communication channel between the account registration server 100.

In the virtual account opening and registration system as described above, an application created by the customer and a finance linking the employee terminal 135 and the employee terminal 135 and the virtual account registration server 100 used by the teller staff. The network performs a function of a face-to-face information registration interface for registering the virtual account registration information for the customer to automatically charge the traffic charges using the virtual account.

The financial system of the financial company in which the virtual account is opened is a computer system provided in the financial company in which the virtual account is opened, and a banking service such as a credit or a reception or a trust or a foreign exchange occurring at at least one branch (or window) is performed. An accounting system for processing, an information system for processing headquarters operations, branch office information support and customer information management, an interconnection between the financial system and at least one other financial system (or payment system), and / or at least one external Access to the financial system from one or more non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) provided in the communication network, and / or at least one common network ( For example, it has an external system that provides various financial transaction interfaces through CD common network and financial common network). In addition, the financial system is the interface module corresponding to the middleware platform (Middleware) platform that provides the inter-component interfacing between the components in the financial system, and the components required for performing the respective functions in the components in the financial system And a DBMS (DataBase Management System) including at least one database for storing and managing predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.).

According to an embodiment of the present invention, the external system opens a virtual account using a real account (or a traffic charge charging operation account) of the customer's name as a parent account for automatically charging the traffic fare using the virtual account, and the customer account. It is preferable that the traffic charges are withdrawn from the account deposit and deposited in the virtual account, and the traffic charges may be omitted according to the intention of the person skilled in the art or the characteristics of the financial system, and the present invention is not limited thereto.

In addition, the financial system according to the intention of those skilled in the art and / or the type of financial company (eg, commercial bank, savings bank, trust bank) in which each virtual account provided with the financial system is opened, and the purpose and characteristics of the financial system, At least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains. If you grow up, you will be familiar with the technical details of the financial system, the detailed description thereof will be omitted for convenience, by which the present invention is not limited.

According to the present invention, the DBMS provided in the financial system, the financial company in which the virtual account is opened opens at least one financial account to at least one financial transaction customer, at least one financial transaction service based on the financial account And a ledger D / B 300 for storing at least one ledger for providing the ledger, wherein the ledger D / B 300 includes at least one financial company that the financial company will provide to the financial transaction customer. At least one or more ledger information (e.g., customer ledger, reception ledger, collateral ledger, etc.) for transaction processing, and at least one corresponding to each ledger information (e.g., to further refine (or supplement) the attributes / functions of each ledger) The ledger additional information is characterized in that it is stored in association with the relationship.

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B 300 and each ledger information according to the types of financial companies and the purpose and characteristics of the financial system. In addition to being familiar with at least one ledger additional information corresponding to each other, each ledger information is linked and stored in a relational manner, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored, detailed description thereof will be omitted for convenience.

The storage medium 240 provided on the virtual account opening and registration system according to the present invention is an automatic transportation fare including one or more of a contactless IC card 120 information for payment of a chargeable transportation fare, a virtual account information, and an account deposit information. Characterized in that the charging information.

The contactless IC card 120 information for paying the chargeable transportation fee is mounted on a vehicle operated by the customer and wirelessly communicates with the transportation fee payment device 115 provided at the toll gate of the toll road (or highway). It is preferable that the IC card information including the IC card information charged with the transportation fee charge to be processed for payment.

Preferably, the virtual account information includes a virtual account number of a virtual account for automatic charge of traffic opened in the name of the customer, and the mother account of the virtual account for automatic charge of traffic is a real account of the customer's name and the traffic. It is preferable to include one or more transportation charge filling operation account of the financial company (or transportation charge operator) operating the deposit for automatic charge charging.

The account deposit information is an amount that is withdrawn from a customer account included in the virtual account registration information and deposited into the virtual account for automatic charge of the traffic fare, and the account deposit is the contactless IC card 120 for payment of the chargeable traffic fare. If the amount charged in the less than a predetermined amount (or the lack of charge) is confirmed, it is preferable to include the amount to be automatically charged in the non-contact IC card 120 for the chargeable transportation rate payment is processed as a transportation fee charge. Do.

According to one embodiment of the invention, the storage medium 240 is preferably provided in a DBMS on the financial system of the financial company in which the virtual account is opened, wherein the storage medium 240 is a DBMS on the financial system The ledger D / B 300 may be provided, or may be a database associated with the ledger D / B (300), whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 240 is provided on (or associated with) the virtual account opening and registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in a DBMS on at least one banking system of the system, whereby the present invention is not limited.

The virtual account registration server 100 provided on the virtual account opening and registration system according to the present invention is a generic term for the virtual account opening and registration system side components connected to the employee terminal 135 and the financial network. It may be implemented by including at least one server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in the server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, the virtual account registration server 100 is a ledger server provided on a financial system connected to the employee terminal 135 through a financial network, or a server provided on an external system on the financial system. (Or a device), or a program provided in the external world on the financial system, whereby the present invention is not limited.

According to the embodiment of the present invention, the virtual account registration server 100 is characterized in that it comprises an interface unit 200 for connecting and managing the communication channel with the employee terminal 135 through the financial network.

The interface unit 200 connects a communication channel with the employee terminal 135 based on the protocol stack defined in the financial network, and provides a communication protocol defined in a financial transaction related program included in the employee terminal 135. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data).

Referring to FIG. 2, the virtual account registration server 100 connects a communication channel with an employee terminal 135 to the virtual account registration server 100 through the interface unit 200, and then the interface unit 200. Interface providing unit 205 for generating (or extracting) a user interface for inputting (or selecting) and transmitting virtual account registration information from the employee terminal 135 to the employee terminal 135 in association with the employee terminal 135. Or an interface providing unit) and an information receiving unit 210 (or receiving) virtual account registration information that is input (or selected) and transmitted from the employee terminal 135 through the user interface in association with the interface unit 200. Information receiving means), a validity confirming unit 215 (or validity confirming unit 215) for checking the validity of the received virtual account registration information, and the validity included in the virtual account registration information. An information generation unit 220 (or information generating means) for generating virtual account ledger information having a real account (or a transportation charge charging operating account) of the customer name corresponding to the customer account information as a parent account, and the financial system; The virtual account ledger information is stored in the ledger D / B 300 in association with the account ledger corresponding to the real account (or the transportation charge charging operation account) of the customer's name, and the contactless IC card for payment of the chargeable transportation fee (120) From the virtual account opening unit 225 (or a virtual account opening means) for opening a virtual account for automatic charge of transportation charges in the name of the customer, and a customer account corresponding to the customer account information included in the virtual account registration information. The amount deposit unit 230 (or the amount deposit means) for withdrawing the amount corresponding to the account deposit information and depositing the amount in the virtual account for automatic charge of the transportation fee, and paying the chargeable transportation fee. An information storage unit 235 (or information storage means) for storing in the storage medium 240 traffic charge automatic charging information including at least one contactless IC card 120 information, virtual account information and account deposit information. Characterized in that made.

The interface providing unit 205 is connected to the virtual account registration server 100 and the communication channel through the employee terminal 135 through the interface unit 200, the functional configuration provided in the employee terminal 135 Correspondingly, a user interface capable of inputting (or selecting) the virtual account registration information and transmitting the virtual account registration information to the virtual account registration server 100 through the financial network or extracting from a database (not shown) may be used. In operation 200, the generated (or extracted) user interface may be provided to the employee terminal 135 through the financial network.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the virtual account registration information to the employee terminal 135 and transmitting the virtual account registration information to the virtual account registration server 100 through the financial network is provided. When an information registration program is provided, the interface providing unit 205 for providing the user interface to the employee terminal 135 may be omitted, and the present invention is not limited thereto.

Thereafter, the employee terminal 135 includes at least one virtual customer information, a customer account information, an account deposit information, and a virtual account information based on the user interface, using the contactless IC card 120 for paying the chargeable transportation fee. The account registration information is input (or selected), and the input (or selected) virtual account registration information is transmitted to the virtual account registration server 100 through the financial network.

According to an embodiment of the present invention, when the employee terminal 135 is an employee terminal 135 connected to a financial network, the interface providing unit 205 may be a financial transaction related program provided in the employee terminal 135. It is preferable to generate (or extract) a user interface that can be provided, and provide the user interface generated (or extracted) to the employee terminal 135 through the interface unit 200.

The information receiving unit 210 at least one of the customer information, the customer account information, the account deposit information and the virtual account information using the rechargeable contactless IC card 120 for the chargeable transportation fee payment through the user interface in the employee terminal 135 When the virtual account registration information is input (or selected) and transmitted through the financial network, the virtual account registration information is received in association with the interface unit 200.

Here, the customer information using the contactless IC card 120 for payment of the chargeable transportation rate is the name of the virtual account for the automatic charge of the traffic charge which automatically charges a predetermined amount to the contactless IC card 120 for payment of the chargeable traffic rate, Alternatively, the personal information (eg, name, resident registration number, address, contact information, etc.) and member information (eg, member) of the nominee (or customer) as the information corresponding to the issuing customer of the contactless IC card 120 for paying the chargeable transportation fee. ID information, or a customer number, etc.), and the customer information using the contactless IC card 120 for paying the chargeable transportation fee is a customer ledger provided in the financial system of the financial company in which the virtual account is opened. Is preferably matched with.

The customer account information is real account information of a customer using the contactless IC card 120 for paying a transportation fee provided in a financial system of a financial company in which the virtual account is opened, and includes an account number, a password, It is preferable to include at least one transfer password and various non-face-to-face transfer transaction approval information, wherein the customer account information is linked to the account ledger of the customer account linked to the customer ledger provided in the financial system of the financial company in which the virtual account is opened. It is desirable to match.

Preferably, the virtual account information includes a virtual account number opened under the customer's name, when a virtual account for automatic charge of the customer's name is established in the financial system. If the virtual account for automatic charging is not established, the virtual account information includes virtual account opening request information for requesting to open a virtual account under the customer's name and the virtual account attribute for automatic charging of the fare (for example, the charging type). Automatic charging property for the non-contact IC card 120 for paying the traffic fare.

The account deposit information is an amount that is withdrawn from a customer account included in the virtual account registration information and deposited into the virtual account for automatic charge of the traffic fare, and the account deposit includes at least one transportation fare charge. desirable.

The validity verification unit 215 is characterized in that whether the virtual account registration information received from the employee terminal 135 satisfies the validity for the automatic charge of traffic charges using the virtual account.

According to an embodiment of the present invention, the validity check of the virtual account registration information, the chargeable transportation fee included in the virtual account registration information in the ledger D / B 300 on the financial system of the financial company in which the virtual account is opened Check whether the customer ledger matching the customer information using the contactless IC card 120 for payment is provided, or whether the account ledger matching the customer account information included in the virtual account registration information is provided. It is preferable.

In addition, the validity check of the virtual account registration information, the amount corresponding to the account deposit information to be deposited as a virtual account for automatic charge of transportation to the customer account corresponding to the customer account information included in the virtual account registration information is deposited; It is preferable to further include checking whether there is.

When the validity of the virtual account registration information is confirmed, the information generation unit 220 is a mother account of the real account (or transportation charge charging account) of the customer name corresponding to the customer account information included in the virtual account registration information Characterized in that the virtual account ledger information in the name of the customer using the contactless IC card 120 for payment of the chargeable transportation fee.

Here, the virtual account ledger information, the customer account number of the customer name using the non-contact IC card 120 for the chargeable transportation fee payment corresponding to the mother account of the virtual account, the virtual account number and the customer account to the mother account It is preferred to include one or more basic account attribute information for the virtual account.

When the virtual account ledger information is generated, the virtual account opening unit 225 generates a virtual account ledger associated with an account ledger corresponding to the customer account in association with a financial system of a financial company in which the virtual account is opened. The virtual account ledger information is stored in the virtual account ledger associated with the account ledger to open a virtual account for automatic charge of traffic charges in the name of the customer using the contactless IC card 120 for paying the chargeable transportation fee.

In addition, the virtual account opening unit 225 checks the virtual account information for automatic charge of the traffic included in the virtual account registration information, and the account information of the opened virtual account to the virtual account information for automatic charge of the traffic By applying the included virtual account attribute for automatic charge of the transportation charges (for example, the automatic charge attribute for the contactless IC card 120 for the chargeable transportation fee payment) information, the opened contactless IC card for payment of the chargeable transportation fee ( 120) The virtual account of the customer's name is set as the virtual account for automatic charge of traffic.

When the virtual account in the name of the customer using the rechargeable contactless IC card 120 for paying the transportation fee is set as the virtual account for the automatic charge of the traffic fee, the amount depositing unit 230 includes a customer account included in the virtual account registration information. Withdraw the amount corresponding to the account deposit information from the customer account corresponding to the information to the virtual account registration information, and the withdrawal amount to the set virtual account for automatic charge of the fare (or the virtual account information for automatic charge of the fare) And a virtual account in the name of the customer using the contactless IC card 120 for paying the transportation fee including the corresponding account attribute.

The information storage unit 235 is a traffic fare automatic including at least one of the charge-type non-contact IC card 120 for payment of the fare payment, virtual account information and account deposit information corresponding to the set fare automatic charge virtual account information The charging information may be stored in the storage medium 240.

3 is a diagram illustrating the structure of ledger information corresponding to a virtual account for automatic charge of traffic according to an embodiment of the present invention.

In more detail, Figure 3 opens a virtual account in which the virtual account (or a transportation charge charging operation account) of the customer's name is the parent account in the virtual account registration server 100 on the virtual account opening and registration system shown in FIG. When the virtual account is set to a virtual account for automatic charge of a fare, it shows a configuration of ledger information corresponding to the set virtual account for automatic charge of a fare, and has a general knowledge in the technical field to which the present invention belongs. In this case, various implementation methods for the general ledger information configuration corresponding to the virtual account for the automatic charge of the traffic to the ledger D / B 300 may be inferred by referring to and / or modifying the present invention. It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Referring to Figure 3 according to an embodiment of the present invention, the ledger information provided in the ledger D / B (300) provided in the DBMS on the financial system is the customer ledger, and the account ledger associated with the customer ledger (eg, receiving Ledger, loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system In / B 300, at least one or more ledgers (eg, loan ledger, mortgage ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers, in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that the ledger is further included, and you will be familiar with the specific technical matters, so a detailed description thereof is omitted for convenience. .

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

According to the embodiment of the present invention, the customer ledger preferably stores the ledger information corresponding to the customer information using the contactless IC card 120 for the chargeable transportation fee included in the virtual account registration information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, or trust reception information including at least one or more of an account number, a deposit amount, a par value, an annuity date, and the number of shares corresponding to the account ledger, or corresponding to the account ledger. Transaction history that includes at least one of account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes information.

According to an embodiment of the present invention, the customer ledger stores a ledger information corresponding to the customer account information included in the virtual account registration information, or a financial company (or a traffic fee operator operating a deposit for the automatic charge of the traffic fee). It is preferable to store the ledger information corresponding to).

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 3, the virtual account ledger information generated through the virtual account registration server 100 on the virtual account opening and registration system illustrated in FIG. 2 is stored in a virtual account ledger associated with the account ledger in a relational manner. Characterized in that, the virtual account ledger information set as the virtual account for the automatic charge of the traffic charges and the customer account number in the name of the customer using the contactless IC card 120 for the chargeable transportation fee payment corresponding to the mother account of the virtual account, The customer account as a parent account comprises a virtual account number and one or more basic account attribute information for the virtual account, one corresponding to the virtual account information for automatic charge of traffic included in the virtual account registration information Virtual account attribute information for automatic charge of the traffic fee (for example, the contactless IC card for paying the chargeable traffic fee) 120), the automatic charging property).

According to an exemplary embodiment of the present invention, the automatic charge of the charge information including one or more of the non-contact IC card 120 for charging the chargeable toll charge, the virtual account information, and the account deposit information is additional information of the ledger of the virtual account. It is preferable to be stored in the ledger D / B 300 in the form of a ledger.

According to another exemplary embodiment of the present invention, the automatic charge of charge information including at least one of the chargeable non-contact IC card 120 for paying the charge for transportation fee, the virtual account information, and the account deposit information is associated with the virtual account ledger. It is preferably provided on a communication network (or a non-face-to-face banking system) in the form of an external database.

According to another exemplary embodiment of the present invention, the automatic charge of the fare information including at least one of the rechargeable contactless IC card 120 for paying the fare information, the virtual account information, and the account deposit information may include: It is preferably provided in a separate database that is not linked.

Here, the non-contact IC card 120 information for paying the chargeable transportation fee is mounted on a vehicle operated by the customer and wirelessly communicates with the transportation fee payment device 115 provided at the toll gate of the toll road (or highway). It is preferable that the IC card information including the IC card information charged with the transportation fee charge for payment processing.

Preferably, the virtual account information includes a virtual account number of a virtual account for automatic charge of traffic opened in the name of the customer, and the mother account of the virtual account for automatic charge of traffic is a real account of the customer's name and the traffic. It is preferable to include one or more transportation charge filling operation account of the financial company (or transportation charge operator) operating the deposit for automatic charge charging.

The account deposit information is an amount that is withdrawn from a customer account included in the virtual account registration information and deposited into the virtual account for automatic charge of the traffic fare, and the account deposit is the contactless IC card 120 for payment of the chargeable traffic fare. If the amount charged in the less than a predetermined amount (or the lack of charge) is confirmed, it is preferable to include the amount to be automatically charged in the non-contact IC card 120 for the chargeable transportation rate payment is processed as a transportation fee charge. Do.

Figure 4 is a virtual account opened in the name of the customer using the contactless IC card 120 for the chargeable toll charges through the virtual account registration information registered in a face-to-face manner for the automatic charge of traffic charges using the virtual account in accordance with an embodiment of the present invention A diagram illustrating the process.

In more detail, Figure 4 is a customer contact information using the contactless IC card 120 for the chargeable transportation fee payment through the face-to-face information registration interface in the employee terminal 135 on the virtual account opening and registration system shown in Figure 2 When the virtual account registration information including at least one of customer account information, account deposit information, and virtual account information is provided, the virtual account registration server 100 receives and reads the virtual account registration information, and the transportation fee using the virtual account. As a process of opening a virtual account for automatic charging of traffic charges in the name of a customer using the rechargeable type of transportation fee payment non-contact IC card 120 for automatic charging, a person having ordinary knowledge in the technical field to which the present invention belongs. , Face-to-face for the automatic charging of traffic charges using a virtual account in the employee terminal 135 by referring to and / or modified in this figure 4 The method can be inferred from the various implementation methods for the process of opening a virtual account in the name of the customer using the contactless IC card 120 for payment of the chargeable transportation rate through the registered virtual account registration information. It includes a method and is not limited to the embodiment shown in FIG.

Hereinafter, in FIG. 4, the employee terminal 135 shown in FIG. 2 is referred to as a “terminal” for convenience, and the virtual account registration server 100 shown in FIG. 2 is referred to as a “server” for convenience.

Referring to FIG. 4, when the terminal illustrated in FIG. 2 connects to a communication channel for registering the virtual account registration information by accessing the server through a financial network, and requests the server to register the virtual account registration information. (400), the server generates (or extracts) an information registration interface for registering the virtual account registration information (405), and transmits the generated (or extracted) information registration interface to the terminal through the communication channel. Transmit and output (410).

According to an embodiment of the present invention, the information registration interface includes at least one of customer information, customer account information, account deposit information, and virtual account information using the contactless IC card 120 for paying the chargeable transportation fee at the terminal. It is preferred to include a user interface for inputting (or selecting) virtual account registration information.

Thereafter, the terminal receives the virtual account registration information including one or more customer information, customer account information, account deposit information, and virtual account information using the at least one rechargeable IC card 120 for paying the chargeable transportation fee through the information registration interface. Enter (or select) 415.

If the terminal receives the virtual account registration information including at least one of the customer information, the customer account information, the account deposit information and the virtual account information using the contactless IC card 120 for payment of the chargeable transportation fee through the information registration interface ( Or (optional) (420), the terminal uses the input (or selection) of the contactless IC card 120 for the chargeable transportation fee payment through the financial network, using customer information, customer account information, account deposit information, and virtual account information. The virtual account registration information including one or more is transmitted to the server (425).

Here, the customer information using the contactless IC card 120 for payment of the chargeable transportation rate is the name of the virtual account for the automatic charge of the traffic charge which automatically charges a predetermined amount to the contactless IC card 120 for payment of the chargeable traffic rate, Alternatively, the personal information (eg, name, resident registration number, address, contact information, etc.) and member information (eg, member) of the nominee (or customer) as the information corresponding to the issuing customer of the contactless IC card 120 for paying the chargeable transportation fee. ID information, or a customer number, etc.), and the customer information using the contactless IC card 120 for paying the chargeable transportation fee is a customer ledger provided in the financial system of the financial company in which the virtual account is opened. Is preferably matched with.

The customer account information is real account information of a customer using the contactless IC card 120 for paying a transportation fee provided in a financial system of a financial company in which the virtual account is opened, and includes an account number, a password, It is preferable to include at least one transfer password and various non-face-to-face transfer transaction approval information, wherein the customer account information is linked to the account ledger of the customer account linked to the customer ledger provided in the financial system of the financial company in which the virtual account is opened. It is desirable to match.

Preferably, the virtual account information includes a virtual account number opened under the customer's name, when a virtual account for automatic charge of the customer's name is established in the financial system. When the virtual account for automatic charging is not established, the virtual account information includes virtual account opening request information for requesting to open a virtual account under the customer's name and the virtual account attribute for automatic charge of the traffic fare (for example, the rechargeable transportation). Automatic charging attribute for the non-contact IC card 120 for fee payment).

The account deposit information is an amount that is withdrawn from a customer account included in the virtual account registration information and deposited into the virtual account for automatic charge of the traffic fare, and the account deposit includes at least one transportation fare charge. desirable.

Thereafter, the server receives and reads the customer information, the customer account information, the account deposit information, and the virtual account information using the contactless IC card 120 for paying the chargeable transportation fee through the financial network, for the virtual account registration information. Validation is checked (430).

According to an embodiment of the present invention, the validity check of the virtual account registration information, the chargeable transportation fee included in the virtual account registration information in the ledger D / B 300 on the financial system of the financial company in which the virtual account is opened Including whether the customer ledger matching the customer information using the contactless IC card 120 for payment is provided, or whether the account ledger matching the customer account information included in the virtual account registration information is provided. It is preferable to make.

In addition, the validity check of the virtual account registration information, the amount corresponding to the account deposit information to be deposited as a virtual account for automatic charge of transportation to the customer account corresponding to the customer account information included in the virtual account registration information is deposited; It is preferable to further include checking whether there is.

If the validity of the virtual account registration information is not authenticated (435), the server generates information registration error information and transmits it to the terminal (440), and does not perform an information registration procedure corresponding to the virtual account registration information. Do not.

On the contrary, if the validity of the virtual account registration information is authenticated (435), the server transfers the real account (or transportation charge charging account) of the customer name corresponding to the customer account information included in the virtual account registration information to the parent account. In step 445, the virtual account ledger information of the customer name using the non-contact IC card 120 for paying the chargeable transportation fee is generated.

Here, the virtual account ledger information, the customer account number of the customer name using the non-contact IC card 120 for the chargeable transportation fee payment corresponding to the mother account of the virtual account, the virtual account number and the customer account to the mother account It is preferred to include one or more basic account attribute information for the virtual account.

If the virtual account ledger information is generated (450), the server generates a virtual account ledger associated with the account ledger corresponding to the customer account in connection with the financial system of the financial company that the virtual account is opened (455), The virtual account ledger information is stored in the virtual account ledger associated with the account ledger to open a virtual account for automatic charging of traffic charges in the name of a customer using the contactless IC card 120 for paying the chargeable transportation fee (460).

FIG. 5 is a diagram illustrating a process of registering virtual account information for automatic charging of a fare for automatic charging of a fare using a virtual account according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates a virtual account shown in FIG. 2 when a virtual account is opened for a user using the rechargeable contactless IC card 120 for paying a transportation fee through the virtual account opening process shown in FIG. After depositing the account deposit used for the transportation charge in the virtual account in the virtual account registration server 100 on the opening and registration system, the contactless IC card 120 information for charging the chargeable transportation fee and the virtual account information and the account deposit Regarding the process of storing the automatic charge information charging information including one or more information in the storage medium 240, those of ordinary skill in the art to which the present invention pertains, referring to and / or Various implementation methods for the virtual account information registration process for automatic charge of traffic charges for the automatic charge of traffic charges using the virtual account in the employee terminal 135 Would be chuhal, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 5.

Hereinafter, in FIG. 5, the virtual account registration server 100 shown in FIG. 2 is referred to as a "server" for convenience.

Referring to FIG. 5, when a virtual account is opened for a user using the rechargeable contactless IC card 120 for paying a transportation fee through the virtual account opening process illustrated in FIG. 4, the server may register the virtual account registration information. Withdraw the amount corresponding to the account deposit information to the virtual account registration information from the customer account corresponding to the included customer account information, and the withdrawal amount for the automatic charge of the set transportation fee (or the automatic charge of the transportation fee) In step 500, the user can deposit a virtual account in the name of the customer who uses the contactless IC card 120 for paying the charge for transportation including the account property corresponding to the virtual account information.

If the account deposit is deposited in the virtual account for the automatic charge of the fare (505), the server and the contactless IC card 120 for charge-type transportation fare payment corresponding to the virtual account information for the automatic charge of the charge The automatic fare automatic charging information is generated (510) including one or more virtual account information and account deposit information, and the generated automatic fare automatic charging information is stored in the storage medium (240).

6 is a diagram illustrating a non-face-to-face virtual account opening and registration system for automatic charging of traffic charges using a virtual account according to another embodiment of the present invention.

In more detail, Figure 6 shows a customer using a contactless IC card 120 for paying a transportation fee for the automatic charging of a transportation fee using the virtual account through a virtual account opening and registration system through a non-face-to-face information registration interface. If the virtual account registration information including at least one information, customer account information, account deposit information and virtual account information is provided, the virtual account of the customer name through the provided virtual account registration information in the virtual account opening and registration system ( Or a virtual account having a transportation charge recharging operating account) as a mother account and depositing the account deposit in the virtual account, and then linking the opened virtual account information with the contactless IC card 120 for paying a chargeable transportation fee. By storing in the storage medium 640, the chargeable transportation fares through the amount deposited in the virtual account As a system configuration for automatically charging the non-contact IC card 120 for use, those skilled in the art to which the present invention belongs, the transportation fee using a virtual account by referring to and / or modified in the present figure 6 Various implementation methods for the virtual account opening and registration system configuration for automatic charging may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in the virtual account opening and registration system shown in FIG. 6, the customer information, the customer account information, and the account using the contactless IC card 120 for the chargeable transportation fee payment provided from the customer through a non-face-to-face information registration interface. Receive the virtual account registration information including at least one deposit information and the virtual account information, and through the virtual account registration information to open a virtual account using the real account (or transportation charge charging operating account) of the customer name as a parent account and At least one means for storing the account deposit in the virtual account and storing the opened account in the storage medium 640 in association with the opened virtual account information and the contactless IC card 120 for payment of a chargeable transportation fee; and / or The component corresponding to the functional configuration is called "virtual account registration server 100" for convenience.

Referring to FIG. 6 according to an embodiment of the present invention, a virtual account opening and registration system for automatically recharging traffic charges using the virtual account includes a client terminal including at least one wired terminal or a wireless terminal used by a customer ( 140, wherein the client terminal 140 is connected to the virtual account registration server 100 provided on the virtual account opening and registration system through a communication network.

According to an embodiment of the present invention, the customer accesses the virtual account registration server 100 through at least one or more client terminals 140 of a wired terminal connected to a wired communication network or a wireless terminal connected to a wireless communication network. When the virtual account registration information is input (or selected) for the automatic charging of traffic charges using the virtual account through at least one user interface provided by the virtual account registration server 100, the client terminal 140 receives a communication network through the communication network. It is preferable to transmit to the virtual account registration server 100 provided on the virtual account opening and registration system.

Here, the wired terminal is a generic term for all terminal devices connected to a TCP / IP based communication network and includes a desktop computer, a notebook, or the PC connected to the TCP / IP based communication network. It is preferable to include at least one home appliance terminal (eg, Set-Top-Box, etc.) connected to a TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network.

The wireless terminal is a generic term for all terminal apparatuses connected to a code division multiple access (CDMA) based mobile communication network and all terminal apparatuses connected to a portable Internet based on IEEE 802.1xx, and includes a personal communication terminal connected to the CDMA based mobile communication network ( Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminals or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminals or Personal Digital Assistants (PDAs) or smartphones (Smart Phone) or Telematics, or at least one or more portable Internet terminals connected to the IEEE 802.1xx-based portable Internet.

The virtual account registration server 100 connected to the client terminal 140 may be any one of an Internet banking server, a wireless banking server, a tele banking server, or a TV banking server according to the characteristics of the client terminal 140 and a communication network. Or, preferably comprises a separate web server for the information registration.

In addition, the communication network connecting the client terminal 140 and the virtual account registration server 100 may be a CDMA-based mobile communication network or a IEEE 802.1xx-based portable Internet according to a wireless communication network type to which the client terminal 140 is connected. Either one of them, or it is preferable to include all kinds of wireless communication networks proposed in the future including a wireless section.

In addition, the client terminal 140 outputs at least one or more user interfaces provided by the virtual account registration server 100, and inputs or selects at least one or more information through the user interface to the virtual account registration server 100. It is preferable that a function configuration (for example, a browser program and a communication function, or a communication program and a communication function for communicating with the virtual account registration server 100, etc.) for transmission to the mobile phone is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal 140 corresponding to at least one wired terminal or a wireless terminal, so a detailed description thereof is omitted for convenience. do.

In the virtual account establishment and registration system as described above, the client terminal 140 including at least one wired terminal or a wireless terminal used by the customer, the client terminal 140 and the virtual account registration server 100 The at least one communication network to connect performs a function of a non-face-to-face information registration interface for registering the virtual account registration information for the customer to automatically charge the fare using the virtual account.

According to another exemplary embodiment of the present invention, the customer may include, in addition to the client terminal 140, an automatic teller machine (ATM) and a cash dispenser connected to a financial network (eg, a financial common network); It further comprises a financial automation device 130 (not shown) including a CD) or a call terminal connected to a wired telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network ( (Not shown), or further comprising a communication terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network, or provided in at least one institution affiliated with the financial institution. The virtual account registration information may be further registered by using a terminal (or server) (not shown), whereby the present invention is not limited thereto.

In the virtual account opening and registration system as described above, when the customer registers the virtual account registration information using the automated teller machine 130 (not shown), the automated teller machine 130 (not shown) And a financial network connecting the automated teller machine 130 (not shown) and the virtual account registration server 100 to register the virtual account registration information for the customer to automatically charge the traffic fare using the virtual account. When performing a function of a face-to-face information registration interface, or when the customer registers the virtual account registration information using the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) ) And a wired telephone network or a wireless telephone network connecting the virtual account registration server 100 to the virtual account for the customer to automatically charge the transportation fee using the virtual account. The virtual account registration information is performed by performing a function of a non-face-to-face information registration interface for registering lock information, or by using a terminal (or server) (not shown) provided by the customer in an institution affiliated with the financial institution. In the case of registering a network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the virtual account registration server 100, the customer uses the virtual account. It performs a function of a non-face-to-face information registration interface for registering virtual account registration information for automatic charging.

The financial system of the financial company in which the virtual account is opened is a computer system provided in the financial company in which the virtual account is opened and processes a window service such as a credit or a reception or a trust or a foreign exchange occurring at at least one branch (or window). An accounting system, an information system that processes headquarters operations, branch office information support and customer information management, an interconnection between the financial system and at least one other financial system (or payment system), and / or at least one external communication network. Access to the financial system from at least one or more non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip based wireless banking, tele banking, TV banking, etc.), and / or at least one common network (e.g., , CD common network, financial common network) In addition, the financial system is the interface module corresponding to the middleware platform (Middleware) platform that provides the inter-component interfacing between the components in the financial system, and the components required for performing the respective functions in the components in the financial system And a DBMS (DataBase Management System) including at least one database for storing and managing predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.).

According to an embodiment of the present invention, the external system opens a virtual account using a real account (or a traffic charge charging operation account) of the customer's name as a parent account for automatically charging the traffic fare using the virtual account, and the customer account. It is preferable that the traffic charges are withdrawn from the account deposit and deposited in the virtual account. The traffic charges may be omitted according to the intention of the person skilled in the art or the characteristics of the financial system, and the present invention is not limited thereto. .

In addition, the financial system according to the intention of those skilled in the art and / or the type of financial company (eg, commercial bank, savings bank, trust bank) in which each virtual account provided with the financial system is opened, and the purpose and characteristics of the financial system, At least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains. If you grow up, you will be familiar with the technical details of the financial system, the detailed description thereof will be omitted for convenience, by which the present invention is not limited.

According to the present invention, the DBMS provided in the financial system, the financial company in which the virtual account is opened opens at least one financial account to at least one financial transaction customer, at least one financial transaction service based on the financial account And a ledger D / B 700 for storing at least one ledger for providing the ledger, wherein the ledger D / B 700 includes at least one financial company to provide to the financial transaction customer. At least one or more ledger information (e.g., customer ledger, reception ledger, collateral ledger, etc.) for transaction processing, and at least one corresponding to each ledger information (e.g., to further refine (or supplement) the attributes / functions of each ledger) The ledger additional information is characterized in that it is stored in association with the relationship.

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B 700 and each ledger information according to the types of financial companies and the purpose and characteristics of the financial system. In addition to being familiar with at least one ledger additional information corresponding to each other, each ledger information is linked and stored in a relational manner, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored, detailed description thereof will be omitted for convenience.

The storage medium 640 provided on the virtual account opening and registration system according to the present invention is a traffic fare automatic including at least one chargeless IC card 120 information for paying the transportation fee, virtual account information and account deposit information. Characterized in that the charging information.

The contactless IC card 120 information for paying the chargeable transportation fee is mounted on a vehicle operated by the customer and wirelessly communicates with the transportation fee payment device 115 provided at the toll gate of the toll road (or highway). It is preferable that the IC card information including the IC card information charged with the transportation fee charge to be processed for payment.

Preferably, the virtual account information includes a virtual account number of a virtual account for automatic charge of traffic opened in the name of the customer, and the mother account of the virtual account for automatic charge of traffic is a real account of the customer's name and the traffic. It is preferable to include one or more transportation charge filling operation account of the financial company (or transportation charge operator) operating the deposit for automatic charge charging.

The account deposit information is an amount that is withdrawn from a customer account included in the virtual account registration information and deposited into the virtual account for automatic charge of the traffic fare, and the account deposit is the contactless IC card 120 for payment of the chargeable traffic fare. If the amount charged in the less than a predetermined amount (or the lack of charge) is confirmed, it is preferable to include the amount to be automatically charged in the non-contact IC card 120 for the chargeable transportation rate payment is processed as a transportation fee charge. Do.

According to one embodiment of the invention, the storage medium 640 is preferably provided in a DBMS on the financial system of the financial company in which the virtual account is opened, wherein the storage medium 640 is a DBMS on the financial system The ledger D / B 700 may be provided, or may be a database associated with the ledger D / B 700, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 640 is provided on (or associated with) the virtual account opening and registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in a DBMS on at least one banking system of the system, whereby the present invention is not limited.

The virtual account registration server 100 provided on the virtual account opening and registration system according to the present invention is a generic term for the components of the virtual account opening and registration system side connected to the client terminal 140 through a communication network. It may be implemented by including one or more servers (or devices), or may be implemented by at least one or more programs recorded on a recording medium provided in the server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the client terminal 140 is a wired terminal, the virtual account registration server 100 is an internet banking server provided on the internet banking system, or is provided in the internet banking server. A program or a server (or device) accessible to the outside world of the financial system through the Internet banking system, a program included in the server (or device), or the Internet banking server (or the server (or device) It may be a server (or device) provided in the external world on the financial system accessible through)), or a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the client terminal 140 is a wireless terminal, the virtual account registration server 100 is a wireless banking server provided on the wireless banking system or provided in the wireless banking server. Program or a server (or device) accessible to the outside world of the financial system through the wireless banking system, a program included in the server (or device), or the wireless banking server (or the server (or It may be a server (or device) provided in the external system on the financial system accessible through the device)), or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the virtual account registration server 100 is a telebanking server (eg, an Automatic Response Service (ARS) server) provided on the telebanking system, or the telebanking server. A program provided, or a server (or device) accessible to the outside world of the financial system through the telebanking system, a program included in the server (or device), or the telebanking server (or the server ( Or a server (or device) provided in the external system on the financial system accessible through the device)), or a program provided in the external system on the financial system, and the present invention is not limited thereto.

Alternatively, the virtual account registration server 100 is a TV banking server provided on the TV banking system, a program provided in the TV banking server, or access to the external system of the financial system through the TV banking system. A server (or device) capable of being a server (or device), a program included in the server (or device), or a server (or being provided in an external system on the financial system accessible through the TV banking server (or the server (or device)). Device) or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the virtual account registration server 100 is characterized in that it comprises an interface unit 600 for connecting and managing a communication channel with the client terminal 140 through the communication network.

According to an embodiment of the present invention, when the client terminal 140 is a wired terminal, the interface unit 600 connects a communication channel with the client terminal 140 based on a protocol stack defined in the communication network. It is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal 140.

For example, when the client terminal 140 is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 600 may be connected to the client terminal 140 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal 140 is provided with a communication program (eg, an internet banking program) provided by the virtual account registration server 100, the interface unit 600 is based on the TCP / IP protocol. It connects a communication channel with the client terminal 140, and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the client terminal 140 is a wireless terminal, the interface unit 600 connects a communication channel with the client terminal 140 based on a protocol stack defined in the wireless communication network. In addition, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal 140.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal 140, the interface unit 600 is based on the CDMA protocol. ) And a communication interface for transmitting / receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information using a WAP / ME protocol defined in the browser program. to provide.

Alternatively, when the client terminal 140 is provided with a communication program (eg, IC chip based banking program) provided by the virtual account registration server 100, the interface unit 600 is based on the CDMA protocol. It connects a communication channel with the client terminal 140 and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the client terminal 140 is a financial automation device 130 connected to a financial network, the interface unit 600 is based on the protocol stack defined in the financial network. Connect a communication channel with the automated teller machine 130, and provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine 130. It is desirable to.

According to another exemplary embodiment of the present invention, when the client terminal 140 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 600 is defined in the wired telephone network or a wireless telephone network. It is desirable to provide a communication interface for connecting a call terminal (not shown) and a call path based on a voice call protocol and transmitting and receiving information (or data) based on the voice call.

For example, the interface unit 600 provides a communication interface for transmitting and receiving DTMF (Dual Tone MultiFrequency) based information through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the client terminal 140 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 600 may include a protocol stack defined in the TV banking system. Connects a communication channel with the wired terminal (or bidirectional digital TV) based on the above, and transmits and receives at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It would be desirable to provide a communication interface for the present invention.

Referring to FIG. 6, in the virtual account registration server 100, the client terminal 140 connects a communication channel with the virtual account registration server 100 through the interface unit 600, and then the interface unit 600. Interface providing unit 605 for generating (or extracting) a user interface for inputting (or selecting) and transmitting virtual account registration information from the client terminal 140 to the client terminal 140. Or an interface providing unit) and an information receiving unit 610 (or receiving) virtual account registration information that is input (or selected) and transmitted from the client terminal 140 through the user interface in association with the interface unit 600. Information receiving means), a validity checking unit 615 (or validity checking unit 615) for checking the validity of the received virtual account registration information, and the validity checking Information generating unit 620 (or information generating means) for generating virtual account ledger information having a real account (or a transportation charge charging operating account) of the customer name corresponding to the customer account information included in the virtual account registration information as the parent account. And storing the virtual account ledger information in the ledger D / B 700 in association with an account ledger corresponding to a real account (or a traffic charge charging operation account) of the customer's name in association with the financial system. A virtual account establishment unit 625 (or a virtual account establishment means) for establishing a virtual account for automatic charge of transportation charges in the name of a customer using a fareless contactless IC card 120 and the customer account information included in the virtual account registration information. Amount depositing unit 630 (or depositing amount of money) for withdrawing an amount corresponding to the account deposit information from a customer account corresponding to and depositing the amount in the virtual account for automatic charge of traffic charges. However, the information storage unit 635 for storing the chargeable automatic charge information in the storage medium 640, including the non-contact IC card 120 information for payment of the chargeable transportation rate, the virtual account information and the account deposit information. (Or information storage means).

The interface providing unit 605 connects a communication channel with the virtual account registration server 100 through the interface unit 600, and then the functional configuration provided in the client terminal 140. Correspondingly, a user interface capable of inputting (or selecting) the virtual account registration information and transmitting the virtual account registration information to the virtual account registration server 100 through the communication network or extracting from a database (not shown) may be used. In operation 600, the generated (or extracted) user interface may be provided to the client terminal 140 through the communication network.

Thereafter, the client terminal 140 includes at least one virtual customer information, a customer account information, an account deposit information, and a virtual account information using the contactless IC card 120 for paying the chargeable transportation fee based on the user interface. The account registration information is input (or selected), and the input (or selected) virtual account registration information is transmitted to the virtual account registration server 100 through the financial network.

According to an exemplary embodiment of the present invention, when the client terminal 140 is a client terminal 140 including a wired terminal or a wireless terminal connected to a communication network, the interface providing unit 605 may be connected to the client terminal 140. It is preferable to generate (or extract) a user interface that can be provided by the provided browser program or communication program, and provide the generated (or extracted) user interface to the client terminal 140 through the interface unit 600. .

According to another exemplary embodiment of the present invention, when the client terminal 140 is a financial automation device 130 connected to a financial network, the interface provider 605 may provide a financial transaction provided in the financial automation device 130. It is preferable to generate (or extract) a user interface that can be provided by a related program, and provide the generated (or extracted) user interface to the automated teller machine 130 through the interface unit 600.

According to another exemplary embodiment of the present invention, when the client terminal 140 is a client terminal 140 including a wireless terminal connected to a wireless communication network, the interface providing unit 605 may be connected to the client terminal 140. It is preferable to generate (or extract) a user interface that can be provided by the provided browser program or communication program, and provide the generated (or extracted) user interface to the client terminal 140 through the interface unit 600. .

According to another exemplary embodiment of the present invention, when the client terminal 140 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 605 is connected to the call terminal (not shown). Providing (or extracting) a user interface that can be provided and providing the generated (or extracting) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 600. It is preferable.

According to another exemplary embodiment of the present invention, when the client terminal 140 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface provider 605 may provide the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a user interface that can be provided and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 600.

According to another exemplary embodiment of the present invention, the client terminal 140 includes at least one user interface for inputting (or selecting) the virtual account registration information and transmitting the virtual account registration information to the virtual account registration server 100 through the communication network. When the information registration program is provided, the interface providing unit 605 for providing the user interface to the client terminal 140 may be omitted, and the present invention is not limited thereto.

The information receiving unit 610 is at least one of the customer information, the customer account information, the account deposit information and the virtual account information using the contactless IC card 120 for the chargeable transportation fee payment through the user interface in the client terminal 140 When the virtual account registration information is input (or selected) and transmitted through the communication network, the virtual account registration information is received in cooperation with the interface unit 600.

Here, the customer information using the contactless IC card 120 for payment of the chargeable transportation rate is the name of the virtual account for the automatic charge of the traffic charge which automatically charges a predetermined amount to the contactless IC card 120 for payment of the chargeable traffic rate, Alternatively, the personal information (eg, name, resident registration number, address, contact information, etc.) and member information (eg, member) of the nominee (or customer) as the information corresponding to the issuing customer of the contactless IC card 120 for paying the chargeable transportation fee. ID information, or a customer number, etc.), and the customer information using the contactless IC card 120 for paying the chargeable transportation fee is a customer ledger provided in the financial system of the financial company in which the virtual account is opened. Is preferably matched with.

The customer account information is real account information of a customer using the contactless IC card 120 for paying a transportation fee provided in a financial system of a financial company in which the virtual account is opened, and includes an account number, a password, It is preferable to include at least one transfer password and various non-face-to-face transfer transaction approval information, wherein the customer account information is linked to the account ledger of the customer account linked to the customer ledger provided in the financial system of the financial company in which the virtual account is opened. It is desirable to match.

Preferably, the virtual account information includes a virtual account number opened under the customer's name, when a virtual account for automatic charge of the customer's name is established in the financial system. When the virtual account for automatic charging is not established, the virtual account information includes virtual account opening request information for requesting to open a virtual account under the customer's name and the virtual account attribute for automatic charge of the traffic fare (for example, the rechargeable transportation). Automatic charging attribute for the non-contact IC card 120 for fee payment).

The account deposit information is an amount that is withdrawn from a customer account included in the virtual account registration information and deposited into the virtual account for automatic charge of the traffic fare, and the account deposit includes at least one transportation fare charge. desirable.

The validity confirming unit 615 may determine whether the virtual account registration information received through the communication channel satisfies the validity for the automatic charge of the traffic fee using the virtual account.

According to an embodiment of the present invention, the validity check of the virtual account registration information, the charge-type transportation fee included in the virtual account registration information in the ledger D / B 700 on the financial system of the financial company that the virtual account is opened Including whether the customer ledger matching the customer information using the contactless IC card 120 for payment is provided, or whether the account ledger matching the customer account information included in the virtual account registration information is provided. It is preferable to make.

In addition, the validity check of the virtual account registration information, the amount corresponding to the account deposit information to be deposited as a virtual account for automatic charge of transportation to the customer account corresponding to the customer account information included in the virtual account registration information is deposited; It is preferable to further include checking whether there is.

When the validity of the virtual account registration information is confirmed, the information generation unit 620 is a mother account of the real account (or transportation charge charging operating account) of the customer name corresponding to the customer account information included in the virtual account registration information Characterized in that the virtual account ledger information in the name of the customer using the contactless IC card 120 for payment of the chargeable transportation fee.

Here, the virtual account ledger information, the customer account number of the customer name using the non-contact IC card 120 for the chargeable transportation fee payment corresponding to the mother account of the virtual account, the virtual account number and the customer account to the mother account It is preferred to include one or more basic account attribute information for the virtual account.

When the virtual account ledger information is generated, the virtual account opening unit 625 generates a virtual account ledger associated with the account ledger corresponding to the customer account in association with a financial system of the financial company in which the virtual account is opened, The virtual account ledger information is stored in the virtual account ledger associated with the account ledger to open a virtual account for automatic charge of traffic charges in the name of the customer using the contactless IC card 120 for paying the chargeable transportation fee. .

In addition, the virtual account opening unit 625 checks the virtual account information for the automatic charge of traffic included in the virtual account registration information, and the account information of the opened virtual account to the virtual account information for automatic charging of the charge By applying the included virtual account attribute for automatic charge of the transportation charges (for example, the automatic charge attribute for the contactless IC card 120 for the chargeable transportation fee payment) information, the opened contactless IC card for payment of the chargeable transportation fee ( 120) The virtual account of the customer's name is set as the virtual account for automatic charge of traffic.

When the virtual account in the name of the customer using the chargeless transportation fee payment non-contact IC card 120 is set as the virtual account for automatic charge of the traffic fee, the money depositing unit 630 may include a customer account included in the virtual account registration information. Withdraw the amount corresponding to the account deposit information from the customer account corresponding to the information to the virtual account registration information, and the withdrawal amount to the set virtual account for automatic charge of the fare (or the virtual account information for automatic charge of the fare) And a virtual account in the name of the customer using the contactless IC card 120 for paying the transportation fee including the corresponding account attribute.

The information storage unit 635 is a traffic fare automatic that includes at least one of the charge-type non-contact IC card 120 for payment of the fare payment, the virtual account information and the account deposit information corresponding to the set fare automatic charge virtual account information The charging information may be stored in the storage medium 640.

7 is a diagram illustrating the structure of ledger information corresponding to a virtual account for automatic charge of traffic according to an embodiment of the present invention.

In more detail, FIG. 7 opens a virtual account including a real account (or a transportation charge charging operating account) under a customer's name in the virtual account registration server 100 on the virtual account opening and registration system shown in FIG. When the virtual account is set to a virtual account for automatic charge of a fare, it shows a configuration of ledger information corresponding to the set virtual account for automatic charge of a fare, and has a general knowledge in the technical field to which the present invention belongs. However, various implementation methods for the construction of ledger information corresponding to the virtual account for the automatic charge of traffic to the ledger D / B 700 may be inferred by referring to and / or modifying the present invention. It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Referring to Figure 7 according to an embodiment of the present invention, the ledger information provided in the ledger D / B (700) provided in the DBMS on the financial system is the customer ledger, and the account ledger associated with the customer ledger (eg, receiving Ledger, loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system / B 700 includes at least one ledger (for example, a loan ledger, a mortgage ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that the ledger is further included, and you will be familiar with the specific technical matters, so a detailed description thereof is omitted for convenience. .

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

According to the embodiment of the present invention, the customer ledger preferably stores the ledger information corresponding to the customer information using the contactless IC card 120 for the chargeable transportation fee included in the virtual account registration information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, or trust reception information including at least one or more of an account number, a deposit amount, a par value, an annuity date, and the number of shares corresponding to the account ledger, or corresponding to the account ledger. Transaction history that includes at least one of account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes information.

According to an embodiment of the present invention, the customer ledger stores a ledger information corresponding to the customer account information included in the virtual account registration information, or a financial company (or a traffic fee operator operating a deposit for the automatic charge of the traffic fee). It is preferable to store the ledger information corresponding to).

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 7, the virtual account ledger information generated through the virtual account registration server 100 on the virtual account opening and registration system shown in FIG. 6 is stored in the virtual account ledger associated with the account ledger in a relational manner. Characterized in that, the virtual account ledger information set as the virtual account for the automatic charge of the traffic charges and the customer account number in the name of the customer using the contactless IC card 120 for the chargeable transportation fee payment corresponding to the mother account of the virtual account, The customer account as a parent account comprises a virtual account number and one or more basic account attribute information for the virtual account, one corresponding to the virtual account information for automatic charge of traffic included in the virtual account registration information Virtual account attribute information for automatic charge of the traffic fee (for example, the contactless IC card for paying the chargeable traffic fee) 120), the automatic charging property).

According to an exemplary embodiment of the present invention, the automatic charge of the charge information including one or more of the non-contact IC card 120 for charging the chargeable toll charge, the virtual account information, and the account deposit information is additional information of the ledger of the virtual account. It is preferably stored in the ledger D / B 700 in the form of a ledger.

According to another exemplary embodiment of the present invention, the automatic charge of charge information including at least one of the chargeable non-contact IC card 120 for paying the charge for transportation fee, the virtual account information, and the account deposit information is associated with the virtual account ledger. It is preferably provided on a communication network (or a non-face-to-face banking system) in the form of an external database.

According to another exemplary embodiment of the present invention, the automatic charge of the fare information including at least one of the rechargeable contactless IC card 120 for paying the fare information, the virtual account information, and the account deposit information may include: It is preferably provided in a separate database that is not linked.

Here, the non-contact IC card 120 information for paying the chargeable transportation fee is mounted on a vehicle operated by the customer and wirelessly communicates with the transportation fee payment device 115 provided at the toll gate of the toll road (or highway). It is preferable that the IC card information including the IC card information charged with the transportation fee charge for payment processing.

Preferably, the virtual account information includes a virtual account number of a virtual account for automatic charge of traffic opened in the name of the customer, and the mother account of the virtual account for automatic charge of traffic is a real account of the customer's name and the traffic. It is preferable to include one or more transportation charge filling operation account of the financial company (or transportation charge operator) operating the deposit for automatic charge charging.

The account deposit information is an amount that is withdrawn from a customer account included in the virtual account registration information and deposited into the virtual account for automatic charge of the traffic fare, and the account deposit is the contactless IC card 120 for payment of the chargeable traffic fare. If the amount charged in the less than a predetermined amount (or the lack of charge) is confirmed, it is preferable to include the amount to be automatically charged in the non-contact IC card 120 for the chargeable transportation rate payment is processed as a transportation fee charge. Do.

8 is a virtual view of a customer using a contactless IC card 120 for the chargeable transportation fee payment through the virtual account registration information registered in a non-face-to-face manner for automatic charging of the transportation fee using the virtual account according to an embodiment of the present invention. It is a figure which shows the process of opening an account.

In more detail, FIG. 8 is a non-face-to-face information registration interface of the client terminal 140 on the virtual account opening and registration system shown in FIG. And providing virtual account registration information including at least one of customer account information, account deposit information, and virtual account information, the virtual account registration server 100 receives and reads the virtual account registration information to provide traffic using the virtual account. As a process of opening a virtual account for automatic charge of traffic charges in the name of a customer who uses the contactless IC card 120 for paying a charge for charge, the virtual account registration server shown in FIG. 100 is a diagram showing an implementation method having a web server function for information registration.

Those skilled in the art to which the present invention pertains, the virtual account registered in a non-face-to-face manner for the automatic charging of traffic charges using the virtual account in the client terminal 140 by referring to and / or modified in this figure 8 Although it may be possible to infer various implementation methods for the process of opening a virtual account in the name of the customer using the contactless IC card 120 for payment of a chargeable transportation fee through registration information, the present invention includes all the implementation methods inferred above. It is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the client terminal 140 illustrated in FIG. 6 is referred to as a “terminal” for convenience, and the virtual account registration server 100 illustrated in FIG. 6 is referred to as a “server” for convenience.

Referring to FIG. 8, the terminal illustrated in FIG. 6 is a communication network (eg, when the terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal 140 is a wireless terminal, a CDMA based mobile communication network, or Connect to a communication channel for registering the virtual account registration information by accessing the server through an IEEE 802.1xx-based portable Internet, etc., and requesting registration of the virtual account registration information (800), the server registers the virtual account. A web page corresponding to an information registration interface for information registration is generated (or extracted) (805), and the generated (or extracted) web page is transmitted to the terminal through the communication channel (810).

According to an embodiment of the present invention, the information registration interface includes at least one of customer information, customer account information, account deposit information, and virtual account information using the contactless IC card 120 for paying the chargeable transportation fee at the terminal. It is preferred to include a user interface for inputting (or selecting) virtual account registration information.

In addition, the web page transmission or output process is preferably performed at least once according to the virtual account registration information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal receives the virtual account registration information including one or more customer information, customer account information, account deposit information, and virtual account information using the at least one rechargeable IC card 120 for paying the chargeable transportation fee through the information registration interface. Enter (or select) 815.

If the terminal receives the virtual account registration information including at least one of the customer information, the customer account information, the account deposit information and the virtual account information using the contactless IC card 120 for payment of the chargeable transportation fee through the information registration interface ( Or (optional) (820), the terminal uses the input (or selection) of the contactless IC card 120 for the chargeable transportation fee payment through the communication channel, using customer information, customer account information, account deposit information, and virtual account information. And transmits to the server (825).

Here, the customer information using the contactless IC card 120 for payment of the chargeable transportation rate is the name of the virtual account for the automatic charge of the traffic charge which automatically charges a predetermined amount to the contactless IC card 120 for payment of the chargeable traffic rate, Alternatively, the personal information (eg, name, resident registration number, address, contact information, etc.) and member information (eg, member) of the nominee (or customer) as the information corresponding to the issuing customer of the contactless IC card 120 for paying the chargeable transportation fee. ID information, or a customer number, etc.), and the customer information using the contactless IC card 120 for paying the chargeable transportation fee is a customer ledger provided in the financial system of the financial company in which the virtual account is opened. Is preferably matched with.

The customer account information is real account information of a customer using the contactless IC card 120 for paying a transportation fee provided in a financial system of a financial company in which the virtual account is opened, and includes an account number, a password, It is preferable to include at least one transfer password and various non-face-to-face transfer transaction approval information, wherein the customer account information is linked to the account ledger of the customer account linked to the customer ledger provided in the financial system of the financial company in which the virtual account is opened. It is desirable to match.

Preferably, the virtual account information includes a virtual account number opened under the customer's name, when a virtual account for automatic charge of the customer's name is established in the financial system. When the virtual account for automatic charging is not established, the virtual account information includes virtual account opening request information for requesting to open a virtual account under the customer's name and the virtual account attribute for automatic charge of the traffic fare (for example, the rechargeable transportation). Automatic charging attribute for the non-contact IC card 120 for fee payment).

The account deposit information is an amount that is withdrawn from a customer account included in the virtual account registration information and deposited into the virtual account for automatic charge of the traffic fare, and the account deposit includes at least one transportation fare charge. desirable.

According to an embodiment of the present invention, the server provides the customer information, the customer account information, the account deposit information, and the virtual account information using the contactless IC card 120 for the chargeable transportation fee payment inputted through the communication channel. The transmitting may further include transmitting the virtual account registration information input (or selected) through the information registration interface to the server by digitally signing or encrypting the information through the security module provided in the terminal.

Thereafter, the server receives and reads the customer information, the customer account information, the account deposit information, and the virtual account information using the contactless IC card 120 for paying the chargeable transportation fee through the communication channel. Validation is checked (830).

According to the exemplary embodiment of the present invention, checking the validity of the virtual account registration information may include: when the virtual account registration information is electronically signed and / or encrypted through a security module provided in the terminal, the virtual account registration information. Or decrypting the virtual account registration information.

According to an embodiment of the present invention, the validity check of the virtual account registration information, the charge-type transportation fee included in the virtual account registration information in the ledger D / B 700 on the financial system of the financial company that the virtual account is opened Including whether the customer ledger matching the customer information using the contactless IC card 120 for payment is provided, or whether the account ledger matching the customer account information included in the virtual account registration information is provided. It is preferable to make.

In addition, the validity check of the virtual account registration information, the amount corresponding to the account deposit information to be deposited as a virtual account for automatic charge of transportation to the customer account corresponding to the customer account information included in the virtual account registration information is deposited; It is preferable to further include checking whether there is.

If the validity of the virtual account registration information is not authenticated (835), the server generates a web page including information registration error information and transmits it to the terminal (840), the information corresponding to the virtual account registration information Do not perform the registration process.

On the contrary, if the validity of the virtual account registration information is authenticated (835), the server transfers a real account (or a transportation charge charging operating account) of the customer name corresponding to the customer account information included in the virtual account registration information to the parent account. In operation 845, the virtual account ledger information of the customer name using the non-contact IC card 120 for paying the chargeable transportation fee is generated.

Here, the virtual account ledger information, the customer account number of the customer name using the contactless IC card 120 for the chargeable transportation fee payment corresponding to the mother account of the virtual account, the virtual account number and the customer account as the parent account and Preferably, the information includes one or more basic account attribute information of the virtual account.

If the virtual account ledger information is generated (850), the server generates a virtual account ledger associated with the account ledger corresponding to the customer account in connection with the financial system of the financial company that the virtual account is opened (855), The virtual account ledger information is stored in the virtual account ledger associated with the account ledger to open a virtual account for automatic charging of traffic charges in the name of the customer using the contactless IC card 120 for paying the chargeable traffic fee (860).

9A and 9B illustrate a non-contact IC card 120 for paying a charge for a traffic charge through a virtual account registration information registered in a non-face-to-face manner for automatically charging a traffic charge using a virtual account according to another embodiment of the present invention. A diagram illustrating a process of opening a virtual account in the name of a customer.

9A and 9B illustrate a contactless IC card 120 for charging a chargeable transportation fee through a non-face-to-face information registration interface in the client terminal 140 on the virtual account opening and registration system shown in FIG. When the virtual account registration information including at least one of customer information, customer account information, account deposit information, and virtual account information is provided, the virtual account registration server 100 receives and reads the virtual account registration information. In the process of opening a virtual account for the automatic charge of traffic charges in the name of the customer using the non-contact type IC card 120 for the chargeable transportation charge payment for the automatic charge of the traffic charge, specifically, the virtual account shown in FIG. It is a figure which shows the implementation method that the registration server 100 is an internet banking server.

Those skilled in the art to which the present invention pertains, the virtual account registration information from the client terminal 140 to the virtual account registration server 100 by referring to and / or modified in the drawings 9a and 9b. Although various implementation methods for registering may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 9A and 9B.

That is, when the browser program is connected to the Internet banking server through a browser program (for example, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) included in the client terminal 140 in FIGS. 9A and 9B, the browser program is executed. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the virtual account registration information between the client terminal 140 and the Internet banking server based on the present invention, those skilled in the art The client terminal 140 is based on an internet banking program mounted on the client terminal 140 by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 9a and 9b. A virtual account between your bank and your Internet banking server Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for security registration, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, whereby the present invention is limited. Not.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 9a and 9b, a telebanking system Alternatively, another banking system such as a wireless banking system or a TV banking system may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for virtual account registration information, but the present invention may provide a telebanking system or a wireless banking system. All types of non-face-to-face channel-based financial transactions, including systems or TV banking systems or future proposed non-face-to-channel banking systems, and the technical configuration of the present invention is the case of the Internet banking shown in Figures 9a and 9b It is by no means limited.

9A and 9B, the client terminal 140 is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the virtual account registration server 100 is referred to as a "server" for convenience.

9A and 9B, when a browser program is executed in the terminal to access the server through the TCP / IP-based network (900a), the server connects a communication channel between the terminal and the server through the browser. Wherein (905a), the communication channel is a web page generated (or extracted) by the request of the browser program provided in the terminal from the server and transmitted to the terminal, and the web in the browser program provided in the terminal This means that a communication session is allocated to receive at least one or more information (or data) inputted (or selected) based on a user interface included in the page.

According to another embodiment of the present invention, when the terminal is provided with an internet banking program, the server transmits and receives at least one or more information (or data) with the internet banking program based on a communication protocol defined in the internet banking program. A communication channel can be allocated.

Thereafter, the server is equipped with a security module for internet banking on the web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or to update the security module. By adding a script to check whether the terminal is provided to the terminal, it is checked whether the terminal is equipped with a security module for internet banking, or whether to update the security module (910a).

According to another embodiment of the present invention, when the terminal is provided with an internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby linking with the internet banking program (or the internet banking program). Security module, etc.) can be updated.

If the security module is mounted on the terminal or needs to be updated (915a), the server transmits the latest version of the security module for internet banking to the terminal according to the remote program installation procedure defined in the browser program to install or update the security module. 920a.

If the terminal does not need to install or update the latest version of the security module for internet banking (925a), or if the terminal does not need to load or update the security module for internet banking (915a), the server is mounted on the terminal. By activating the security module for internet banking, a security channel for internet banking is connected between the terminal and the server (or a communication channel between the terminal and the server is converted into a security channel) (930a), where the security channel for internet banking is referred to as The electronic signature is attached to the information (or data) required for security among the information (or data) included in the web page to be provided to the terminal from the server, or is provided by encrypting with at least one encryption method (or encryption algorithm). If so, the terminal confirms the digital signature or decrypts the encryption scheme (or encryption algorithm). Means a communication channel for decoding the information (or data) by a method (or a decoding algorithm), and attaches an electronic signature to information (or data) to be provided to the server for registration of virtual account registration information in the terminal. Or encrypt and transmit at least one encryption method (or encryption algorithm), the server verifies the digital signature or decrypts the information (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Or a communication channel for decoding data).

According to another exemplary embodiment of the present invention, when the terminal is provided with an internet banking program, the Internet banking-based secure channel is information (or data) to be provided from the server to the terminal according to a communication protocol defined in the internet banking program. If the digital signature is attached to or provided by encrypting with at least one encryption method (or encryption algorithm), the terminal confirms the digital signature or decrypts (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). ) Refers to a communication channel for decrypting the information (or data), and also attaches an electronic signature or at least one encryption to information (or data) to be provided to the server for registration of virtual account registration information in the terminal. Passwords (or encryption algorithms) In this case, the communication channel means that the server confirms the digital signature or decrypts the information (or data) by a decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm).

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or protection function for the information (or data) by using the certificate of the customer mounted on the terminal.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (935a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include the Internet banking-based customer authentication data (for example, ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. When input (or generated) to transmit to the server, the server comprises the step of authenticating a customer connected through the terminal based on the customer authentication data as an Internet banking customer, wherein the customer authentication data is It is preferable to transmit the digital signature or encryption through a secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include the Internet banking-based customer authentication data (for example, ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. When (or generated) is transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal based on the customer authentication data as an Internet banking customer, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Subsequently, the terminal inputs (or generates) customer authentication data according to the request, requests an internet banking customer authentication by electronically signing or encrypting the data through the security module and transmitting the data to the server (or authentication server) (940a). The server (or authentication server) authenticates a customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (945a).

If the Internet banking customer authentication fails (950a), the server blocks the Internet banking security channel for the terminal (955a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (950a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (960a), where the Internet banking based The financial transaction channel refers to a communication channel through which the virtual account registration information can be transmitted and registered from the terminal to the server.

Subsequently, when the terminal requests internet banking-based virtual account registration information registration to the server through the inter-banking-based financial transaction channel to register virtual account registration information (900b), the server registers the virtual account registration information. A web page corresponding to the information registration interface is generated (or extracted) (905b), and the generated (or extracted) web page is transmitted to the terminal through the internet banking-based financial transaction channel (910b).

In addition, the web page transmission or output process is preferably performed at least once according to the virtual account registration information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs the virtual account registration information including at least one of the customer information, the customer account information, the account deposit information, and the virtual account information using the contactless IC card 120 for paying the chargeable transportation fee through the information registration interface. (Or select) 915b.

If the terminal receives the virtual account registration information including at least one of the customer information, the customer account information, the account deposit information and the virtual account information using the contactless IC card 120 for payment of the chargeable transportation fee through the information registration interface ( Or 920b), the terminal transmits the input (or selected) virtual account registration information to the server through the financial transaction channel (925b).

Here, the customer information using the contactless IC card 120 for payment of the chargeable transportation rate is the name of the virtual account for the automatic charge of the traffic charge which automatically charges a predetermined amount to the contactless IC card 120 for payment of the chargeable traffic rate, Alternatively, the personal information (eg, name, resident registration number, address, contact information, etc.) and member information (eg, member) of the nominee (or customer) as the information corresponding to the issuing customer of the contactless IC card 120 for paying the chargeable transportation fee. ID information, or a customer number, etc.), and the customer information using the contactless IC card 120 for paying the chargeable transportation fee is a customer ledger provided in the financial system of the financial company in which the virtual account is opened. Is preferably matched with.

The customer account information is real account information of a customer using the contactless IC card 120 for paying a transportation fee provided in a financial system of a financial company in which the virtual account is opened, and includes an account number, a password, It is preferable to include at least one transfer password and various non-face-to-face transfer transaction approval information, wherein the customer account information is linked to the account ledger of the customer account linked to the customer ledger provided in the financial system of the financial company in which the virtual account is opened. It is desirable to match.

Preferably, the virtual account information includes a virtual account number opened under the customer's name, when a virtual account for automatic charge of the customer's name is established in the financial system. When the virtual account for automatic charging is not established, the virtual account information includes virtual account opening request information for requesting to open a virtual account under the customer's name and the virtual account attribute for automatic charge of the traffic fare (for example, the rechargeable transportation). Automatic charging attribute for the non-contact IC card 120 for fee payment).

The account deposit information is an amount that is withdrawn from a customer account included in the virtual account registration information and deposited into the virtual account for automatic charge of the traffic fare, and the account deposit includes at least one transportation fare charge. desirable.

According to an embodiment of the present invention, transmitting the virtual account registration information input (or selected) through the financial transaction channel to the server may include the virtual account registration information input (or selected) through the information registration interface. It comprises the electronic signature or encryption through the security module provided in the terminal and transmitting to the server.

Thereafter, the server receives and reads the virtual account registration information through the financial transaction channel to check the validity of the virtual account registration information (930b).

According to an exemplary embodiment of the present invention, checking the validity of the virtual account registration information includes decrypting the virtual account registration information when the virtual account registration information is electronically signed or encrypted through a security module provided in the terminal. Alternatively, or further comprising decrypting the virtual account registration information.

In addition, the verification of the validity of the virtual account registration information, preferably further comprises authenticating a password or security code or OTP included in the virtual account registration information.

According to an embodiment of the present invention, the validity check of the virtual account registration information, the charge-type transportation fee included in the virtual account registration information in the ledger D / B 700 on the financial system of the financial company that the virtual account is opened Check whether the customer ledger matching the customer information using the contactless IC card 120 for payment is provided, or whether the account ledger matching the customer account information included in the virtual account registration information is provided. It is preferable.

In addition, the validity check of the virtual account registration information, the amount corresponding to the account deposit information to be deposited as a virtual account for automatic charge of transportation to the customer account corresponding to the customer account information included in the virtual account registration information is deposited; It is preferable to further include checking whether there is.

If the validity of the virtual account registration information is not authenticated (935b), the server generates a web page including the virtual account registration information registration error information and transmits it to the terminal (940b), the virtual account registration information Do not perform the corresponding information registration procedure.

On the contrary, if the validity of the virtual account registration information is authenticated (935b), the server transfers the real account (or the transportation charge charging operating account) of the customer name corresponding to the customer account information included in the virtual account registration information to the mother account. To generate the virtual account ledger information of the customer name using the contactless IC card 120 for payment of the chargeable transportation fee (945b).

Here, the virtual account ledger information, the customer account number of the customer name using the non-contact IC card 120 for the chargeable transportation fee payment corresponding to the mother account of the virtual account, the virtual account number and the customer account to the mother account It is preferred to include one or more basic account attribute information for the virtual account.

If the virtual account ledger information is generated (950b), the server generates a virtual account ledger associated with the account ledger corresponding to the customer account in association with the financial system of the financial company that the virtual account is opened (955b), The virtual account ledger information is stored in the virtual account ledger associated with the account ledger to open a virtual account for automatic charging of traffic charges in the name of a customer who uses the contactless IC card 120 for paying the chargeable transportation fee (960b).

FIG. 10 is a diagram illustrating a process of registering virtual account information for automatic charging of a fare for automatic charging of a fare using a virtual account according to an embodiment of the present invention.

In more detail, FIG. 10 illustrates a virtual account of a customer using the rechargeable contactless IC card 120 for the chargeable transportation fee payment through the virtual account opening process shown in FIGS. 8 or 9A and 9B. After depositing an account deposit used as a transportation charge in the virtual account in the virtual account registration server 100 on the virtual account opening and registration system shown in 6, the contactless IC card 120 information for the chargeable transportation fee payment and Regarding the process of storing the automatic fare automatic charging information including one or more virtual account information and account deposit information in the storage medium 640, those skilled in the art to which the present invention pertains, Various implementation methods for the process of registering the virtual account information for automatic charge of traffic for the automatic charging of the traffic charge using the virtual account by referring and / or modifying Would be able to infer, the present invention includes all embodiments in which the inference method, and which is not limited to the exemplary method shown in the figure 10.

Hereinafter, the virtual account registration server 100 shown in FIG. 6 in FIG. 10 is referred to as a "server" for convenience.

Referring to FIG. 10, when the virtual account of the customer name using the rechargeable contactless IC card 120 for the chargeable toll payment is established through the virtual account opening process shown in FIGS. 8 or 9A and 9B, the server Withdraw the amount corresponding to the account deposit information from the customer account corresponding to the customer account information included in the virtual account registration information, the account deposit information to the virtual account registration information, and the withdrawal amount of the virtual account for automatic charge of the set transportation fee (or In step 1000, the user can deposit a virtual account in the name of the customer who uses the contactless IC card 120 for paying the transportation fee including the account attribute corresponding to the virtual account information for the automatic charge of the transportation fee.

If the account deposit is deposited in the virtual account for the automatic charge of the traffic charge (1005), the server and the contactless IC card 120 for charge-type transportation fee payment corresponding to the set virtual account information for automatic charge The automatic fare automatic charging information is generated (1010) including one or more virtual account information and account deposit information, and the generated automatic fare automatic charging information is stored in the storage medium (640) (1015).

FIG. 11 is a diagram illustrating an automatic charging processing system for a contactless IC card 120 for paying a transportation fee according to an embodiment of the present invention.

More specifically, Figure 11 is provided in the toll gate of the toll road (or expressway) is a traffic fare payment device 115 for wirelessly communicating with the non-contact IC card 120 for payment of the chargeable traffic fare payment payment processing ( Alternatively, the financial automatic device 130 that reads the non-contact IC card 120 information for paying the chargeable transportation fee and the non-contact IC card 120 for chargeable transport charge payment and information on the lack of transportation fee information (or the remaining balance) The chargeable information in connection with the storage medium 1165 storing the automatic charge information charging through the virtual account registration system shown in FIG. 2 or FIG. Check the virtual account information and the account deposit information associated with the contactless IC card 120 information for paying the transportation fee, and charge a predetermined transportation fee among the deposits deposited in the confirmed virtual account. As a charge for the automatic charge processing system for processing the charge to be charged to the non-contact IC card 120 for the charge-type transportation charge payment, if the person having ordinary knowledge in the technical field to which the present invention belongs, this figure 11 By referring to and / or modified to be able to infer various implementation methods for the automatic charge processing system configuration of the contactless IC card 120 for paying the transportation fee, the present invention includes all the implementation methods inferred However, the present invention is not limited to the implementation method shown in FIG.

Referring to this drawing 11 according to an embodiment of the present invention, the automatic charging processing system of the non-contact IC card 120 for the chargeable transportation fee is provided in the toll gate of the toll road (or highway) is the chargeable traffic A traffic fare payment device 115 for wirelessly communicating with a non-contact IC card 120 for fare payment to pay and process a traffic fare, and is connected to the traffic fare payment device 115 through a communication network. In step 115), after the payment is made through a payment amount charged in the non-contact IC card 120 for charging the chargeable toll rate provided in the vehicle passing through the toll gate, the amount charged for the charge is insufficient. Transportation charges, including contactless IC card 120 information for payment of a chargeable transportation fare (or a charged amount is less than a certain amount) and insufficient information on the transportation fare (or the balance remaining information) Traffic fare management system comprising a traffic fare management server 110 for receiving the request information periodically (or in real time) and store in the traffic fare management D / B (1125), and the traffic fare payment on the traffic fare management system It is connected to the device 115 to the traffic fare management server 110 through a communication network, and from the traffic fare payment device 115 to the traffic fare management server 110 to the contactless IC card 120 for payment of the chargeable fare. Traffic charge charge request information including contactless IC card 120 information for paying a chargeable transportation fee that is short of charged amount (or a charged amount is less than a certain amount) and traffic charge shortage information (or charge balance information) It is connected to the storage medium 1165 which is received periodically (or in real time) and stores traffic charge automatic charging information registered through the virtual account registration system shown in FIG. 2 or 6. Check the virtual account information and the account deposit information associated with the non-contact IC card 120 information for payment of the chargeable transportation fee, and withdraw the predetermined transportation fee charge among the deposits deposited in the confirmed virtual account A traffic fare charging server 105 for processing to be charged in the non-contact IC card 120 for payment of the type fare and a financial system in which a virtual account of the virtual account for automatic charge of traffic is established. .

Referring to FIG. 11 according to another exemplary embodiment of the present invention, the automatic charging processing system of the non-contact type IC card 120 for paying a chargeable transportation rate includes information on the non-contact IC card 120 for paying a chargeable transport rate. And the automatic teller machine 130 which reads the remaining balance information, the contactless IC card 120 information for the charge-type transportation fee payment from the automatic teller machine 130, and the information on the shortage of the transport charges (or the remaining balance information) The chargeable transportation fare in connection with a storage medium 1165 that receives the traffic fare charging request information, and stores the automatic transportation fare charging information registered through the virtual account registration system illustrated in FIG. 2 or 6. Check the virtual account information and the account deposit information associated with the contactless IC card information for payment, and withdraw the predetermined transportation fare charge among the deposits deposited in the confirmed virtual account It further comprises a traffic charge charging server 105 for processing to be charged in the non-contact IC card 120 for charging the charge-type traffic toll, and a financial system in which a virtual account of the virtual account for automatic charge of the traffic is opened. It is done.

The traffic fee payment device 115 is provided at a toll gate of a toll road (or highway), and wirelessly communicates with the non-contact IC card 120 for charging a chargeable transport fee to pay a traffic fee. Is a vehicle equipped with an IC card device 125 that loads the contactless IC card 120 for paying the chargeable transportation fee and the IC card device 125 that connects wireless communication with the toll road (or highway). Of the IC card device by connecting a wireless communication channel with the IC card device 125 when a toll gate of the IC card device 125 approaches a certain distance (for example, the frequency range of the traffic fare payment device 115 and the IC card device 125). An amount of money charged in the activated contactless IC card 120 for charging a chargeable toll charge loaded on the 125 and activated through the IC card device 125 Pass through the toll gate I was treated to balance by subtracting required by traffic rates, and wherein receiving the transportation fare payment result information including the balance result of the transportation fare from the IC card reader 125. The

If it is determined that the amount of the transportation fee is less than the transportation fee in the received transportation fare payment result information from the IC card device 125, and the payment of the transportation fare is not completed, the transportation fare payment device 115 is The contactless IC card 120 for the chargeable transportation fee payment is insufficient (or the charged amount is less than a predetermined amount) and the charge amount for the chargeless transportation fee information (or the charge is insufficient) Traffic charge charging request information including the balance information) is generated and transmitted to the traffic charge management server 110 or the traffic charge charging server 105 periodically (or in real time) through the communication network.

Those skilled in the art will be familiar with the technical features of the traffic fare payment device 115 and the IC card device 125 provided in the vehicle, a detailed description thereof It will be omitted for convenience.

According to an embodiment of the present invention, the traffic fare management server 110 connects and manages a communication channel for receiving the traffic fare charging request information periodically (or in real time) from the traffic fare payment device 115. Characterized in that the (1100), whereby the traffic charge management server 110 is connected to the traffic bill payment device 115 and a wired communication network or a wireless communication network.

The automated teller machine 130 includes a traffic charge charging program (or a traffic charge charging module) for a non-contact IC card 120 for paying a chargeable transportation rate, and a non-contact for payment of the chargeable transportation rate through an IC card reader. Reading and / or calculating one or more IC card 120 information for charge-type transportation fare and information on a transportation fare shortage amount (or charge balance information) from the IC card 120, and contactless for payment of the charge-type transportation fare. The toll charge charging server 105 may transmit the toll charge request information including the IC card 120 information and the toll shortage amount information (or the charge balance information) to the toll charge server 105.

Referring to FIG. 11, the traffic fare management server 110 transmits the contactless IC card 120 information for the chargeable traffic fare payment from the traffic fare payment device 115 connected to the communication channel through the communication unit 1100. An information collection unit 1105 for periodically (or real-time) collecting traffic charge charging request information including at least one of insufficient charge amount information (or charge balance information); and post-settlement of the collected traffic charge charging request information A grace period processing unit 1115 for generating grace period information, the contactless IC card 120 information for paying the chargeable traffic fare, the traffic fee shortage information (or the balance remaining information), and the created grace period information It is characterized in that it comprises a information storage unit 1120 for storing in the traffic fare management D / B (1125) in conjunction with, the grace period processing unit 1115 is the traffic fare charging server 105 When the grace period cancellation information (for example, the contactless IC card 120 information for the chargeable transportation fee payment subject to the grace period cancellation) is received, the charge rate request information stored in the traffic fee management D / B 1125 is received. It is characterized by initializing the post-payment grace period information to initialize post-payment grace period information for the traffic fare charge request information.

It is provided in the toll gate of the toll road (or expressway) is provided in the toll gate passing vehicle in a traffic fare payment device 115 for wirelessly communicating with the non-contact IC card 120 for payment of the chargeable transportation fare to pay the traffic fare. After the payment is made through a payment amount charged in the contactless IC card 120 for charging the chargeable transportation fee, the amount charged for the transportation fee is insufficient (or the charged amount is less than a predetermined amount). When the traffic charge charging request information including the non-contact IC card 120 information for the chargeable transportation fee payment and the information on the transportation fee shortage amount (or the balance remaining information) is transmitted periodically (or in real time), the information collection unit 1105 ) Is a non-contact IC card 120 information for the chargeable transportation fee payment and the transportation fee shortage from the transportation fee payment device 115 connected to the communication channel through the communication unit 1100 And periodically (or in real time) collecting traffic charge charging request information including at least one of information (or charge balance information), and the grace period processing unit 1115 is configured to collect the current traffic charge charging request information. And generating post-payment grace period information for the traffic fare charging request information based on date and time information, wherein the information storage unit 1120 is configured to transmit the non-contact IC card 120 information for the chargeable transportation fare payment. The fee shortage amount information (or the remaining balance information) and the generated grace period information are linked to each other and stored in the traffic fare management D / B 1125.

If the customer who has received the contactless IC card 120 for paying the chargeable transportation fee does not settle the insufficient amount of transportation within the post-payment grace period, the customer is subject to legal sanctions.

Referring to FIG. 11, the traffic fare management server 110 may include information about the non-contact IC card 120 for charging the chargeable fare and the amount of insufficient traffic fare stored in the traffic fare management D / B 1125. It is characterized in that it further comprises an information transmitting unit 1110 for periodically (or real time) to send the remaining balance information) and post-payment grace period information to the traffic fare charging server 105.

The information storage unit 1120 to the traffic charge management D / B 1125, the contactless IC card 120 information for the charge-type transportation fee payment and traffic fee shortage information (or the remaining balance information) and after settlement After the grace period information is stored in association, the information transmission unit 1110 stores the chargeless traffic fare payment contactless IC card 120 information and the traffic fare shortage information (stored in the traffic fare management D / B 1125). Or to charge the traffic fare by periodically checking (or real-time) the traffic fare charging request information including the remaining balance information) and the post-payment grace period information for the traffic fare charging request information with the traffic fare charging server 105. Characterized in that the transmission to the server (105).

Referring to FIG. 11, the traffic fare charging server 105 is a contactless IC for paying the chargeable traffic fare from the traffic fare payment device 115 to the traffic fare management server 110 to the financial automatic device 130. An interface unit 1130 for connecting a communication channel for receiving traffic charge charge request information including card 120 information and traffic charge shortage amount information (or charge balance information), and through the interface unit 1130. From the traffic fare payment device 115 to the communication channel connected to the traffic fare management server 110 includes the contactless IC card 120 information for payment of the chargeable traffic fare and the traffic fare shortage information (or the balance remaining information). Automatic charge of the registered traffic fare through the information receiving unit 1135 (or information receiving means) for receiving the charge information request information to be charged and the virtual account registration system shown in FIG. 2 or FIG. The virtual account checking unit 1140 that checks the virtual account information of the virtual account for automatic charging of the traffic charges associated with the chargeless transportation fee payment non-contact IC card 120 information in association with the storage medium 1165 storing information. (Or a virtual account checking means) and a virtual account for automatic charging of traffic charges in association with a storage medium 1165 for storing information of automatic charging of traffic charges registered through the virtual account registration system shown in FIGS. 2 or 6. Check the deposit amount of the account deposited in the virtual account of the charge amount confirmation unit (1145) (or charge amount confirmation means) for checking the transportation charges of the account deposits, and the virtual account for the automatic charge of the traffic opened Traffic fare charging, withdrawing the transportation fare charge from the virtual account in connection with a financial system, and deposits the charge into the charging account of the contactless IC card 120 for paying the chargeable transportation fare. Characterized in that obtained by including a unit 1160 (or the transportation fee charging means).

The interface unit 1130 may request a charge for a transportation fee including information about the non-contact IC card 120 for charging a chargeable transportation fee and information on a transportation fee shortage amount (or a remaining balance information) from the transportation fee payment device 115. Connect a communication channel for receiving information, or the contactless IC card 120 information for payment of the chargeable traffic fee and the traffic fee shortage information (or the balance remaining information) from the traffic fee management server 110. It characterized in that for connecting the communication channel for receiving the traffic charge charge request information, the information receiving unit 1135 is connected to the communication channel through the interface unit 1130, the traffic rate payment device 115 to the traffic Traffic including the charge-free transportation fee payment contactless IC card 120 information and traffic charge shortage information (or charge balance information) from the charge management server 110 Characterized in that the charge charge request information is received, the traffic charge shortage information (or charge balance information) can be omitted according to the intention of the skilled person.

When the traffic charge charging request information including the non-contact IC card 120 information for paying the chargeable transportation fee and the information on the shortage of the transportation fee (or the remaining balance information) is received through the information receiving unit 1135, the virtual account The identification unit 1140 is connected to the storage medium 1165 for storing the automatic charge information of the transportation fee registered through the virtual account registration system shown in FIG. 2 or FIG. 6. 120) check the virtual account information of the virtual account for the automatic charge of traffic associated with the information.

According to an exemplary embodiment of the present invention, when the virtual account of the virtual account for automatic charge of card traffic charges is confirmed through the virtual account checking unit 1140, the checking amount check unit 1145 confirms the drawing 2 or 6 It is characterized by checking the account deposits deposited in the virtual account of the virtual account for the automatic charge of the fare in conjunction with the storage medium 1165 for storing the automatic fare automatic charging information registered through the virtual account registration system shown in .

According to the exemplary embodiment of the present invention, the charge amount checking unit 1145 preferably checks the confirmed account deposit as the transportation fee charge for the contactless IC card 120 for paying the chargeable transportation fee.

According to another exemplary embodiment of the present invention, when the traffic charge charging request information includes the information and the traffic charge shortage information, the charge amount checking unit 1145 may determine the amount of the traffic charge shortage among the confirmed account deposits. It is preferable to confirm the corresponding amount with the transportation fee charge for the contactless IC card 120 for paying the transportation fee.

According to another exemplary embodiment of the present invention, when the traffic charge charge request information includes information and a balance balance information, the charge amount checking unit 1145 is used to pay the chargeable transport charge among the checked account deposits. Basic charge of the non-contact IC card 120 (for example, the initial charge amount of the non-contact IC card 120 for paying the transportation fee, or set to automatically charge the contactless IC card 120 for paying the charge) It is preferable to check the amount of money charged by subtracting the amount of the remaining balance from the charge amount of the charge for the contactless IC card 120 for payment of the chargeable type of transportation fee.

When the transportation fee charge is confirmed, the transportation fee charging unit 1160 withdraws the transportation fee charge from the virtual account in connection with a financial system in which the virtual account for automatic charging of the transportation fee is opened. The charging account of the contactless IC card 120 for payment (for example, a transportation charge collection institution account, or a contactless IC card 120 for issuing a chargeable transportation fare issuer account, or a contactless IC card 120 for a chargeable transportation fare payment) It is characterized in that the charge is processed by depositing into an account that operates the amount charged in).

Referring to FIG. 11, the traffic fare charging server 105 receives the traffic fare charge request information from the traffic fare management server 110 and the traffic fare charge is a contactless IC for paying the chargeable fare. When the deposit is made to the charging account of the card 120, the grace period cancellation information (for example, the contactless IC card 120 information for payment of the chargeable transportation fee subject to the grace period cancellation) is transmitted to the traffic fee management server 110 through the communication network. And a grace period release unit 1150 which transmits and processes the grace period for releasing the traffic fee shortage.

The traffic charge charging request information is received from the traffic charge management server 110, and through the traffic charge charging unit 1160, the charge of the traffic charge charging account of the contactless IC card 120 for paying the charge When the payment is received, the grace period release unit 1150 transmits the grace period cancellation information (eg, the contactless IC card 120 for payment of the grace period to be canceled the grace period through the communication network) to the traffic charge management server 110. Information) to be processed to release the grace period for the traffic shortage amount.

Alternatively, when the traffic fare charge is processed through the traffic fare charging unit 1160, the grace period releasing unit 1150 transmits the grace period releasing information to the traffic fare management server 110 through the communication network (eg, (B) information on a non-contact IC card 120 for payment of a chargeable transportation fee to be canceled for a grace period, and processing to release the grace period for the traffic fee shortage amount.

Referring to FIG. 11, the traffic fare charging server 105 receives the traffic fare charging request information from the traffic fare payment device 115 or the traffic fare management server 110, and the traffic fare charging is performed. When the payment is made to the charging account of the contactless IC card 120 for paying the charge, the traffic fee information and the contactless IC card 120 for paying the charge are provided at the toll gate of the toll road (or highway). It is characterized in that it comprises an information providing unit 1155 (or traffic charge charging means) for processing to provide to one or more traffic fare payment device 115 to store, and then the contactless IC card for payment of the charge-type transportation fee When the vehicle equipped with 120 passes through the traffic fare payment device 115, the charged amount is automatically charged into the contactless IC card 120 for paying the chargeable traffic fare.

The traffic fare charging request information is received from the traffic fare payment device 115 or the traffic fare management server 110, and the traffic fare charge is transferred to the charging account of the contactless IC card 120 for paying the charge. When the payment is received, the information providing unit 1155 pays one or more traffic fare provided at the toll gate of the toll road (or highway) for the calculated traffic fare information and the contactless IC card 120 for charging the chargeable fare. It is characterized in that provided to the device 115 and stored.

According to an exemplary embodiment of the present invention, the information provider 1155 transmits the traffic fare payment information and the non-contact IC card 120 information for the chargeable traffic fare payment through the communication network. It is preferable to transmit to and store in the memory provided in the traffic fare payment device 115.

According to another exemplary embodiment of the present invention, the information providing unit 1155 may contact the traffic fare management server 110 through the communication network with the traffic fare charge information and the chargeless traffic fareless contact IC card 120. After the information is transmitted, the traffic fare management server 110 provides the traffic fare payment information and the contactless IC card 120 information for the chargeable traffic fare payment to the traffic fare payment device 115 to provide the traffic fare. It is preferable to store in the memory provided in the payment device 115.

Referring to FIG. 11, the traffic fare charging server 105 receives the traffic fare charging request information from the automated teller machine 130, and the traffic fare charge is a contactless IC card for paying the chargeable fare. When the deposit is made to the charging account of 120, the contactless IC card 120 for providing the traffic fee charge information and the chargeless traffic fee payment information is provided to the automatic teller machine 130 so as to provide the non-contact IC for paying the chargeable transport fee. It is characterized in that the card 120 is provided with an information providing unit 1155 (or traffic charge charging means) for processing to balance and store the traffic charge charges.

When the traffic charge charge request information is received from the automated teller machine 130 and the traffic charge charge is deposited into the charging account of the contactless IC card 120 for paying the chargeable traffic charge, the information providing unit 1155 ) Provides the traffic fare charge information and the contactless IC card 120 information for paying the chargeable transportation fare to the automated teller machine 130 to the contactless IC card 120 for paying the chargeable transportation fare. It is characterized in that the processing to balance and store the charge.

12 is a diagram illustrating a process of automatically charging a contactless IC card 120 for paying a transportation charge through a virtual account according to an embodiment of the present invention.

12 is a contactless IC card 120 for charging a chargeable traffic fare from the traffic fare payment device 115 to the traffic fare management server 110 in the traffic fare charging server 105 shown in FIG. Receive traffic fee charge request information including information and traffic charge shortage information (or charge balance information) periodically (or in real time) and register traffic through the virtual account registration system shown in FIG. 2 or FIG. Checking the virtual account information and the account deposit information associated with the contactless IC card 120 information for payment of the chargeable transportation fee in association with the storage medium 1165 storing automatic charge information, and deposits in the confirmed virtual account. Withdrawal of a predetermined transportation fee charge of the deposits to the process of processing to be charged in the non-contact IC card 120 for payment of the charge-type transportation fee, the present invention Those skilled in the art may refer to and / or modify this drawing 12 to perform various methods (e.g., some steps) for automatically charging the contactless IC card 120 for paying the chargeable transportation fee. The method may be omitted or the order may be changed), but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

For example, in FIG. 12, the traffic fare management server 110 receives the non-contact IC card 120 information for the chargeable traffic fare payment and the traffic fare shortage information (or the remaining balance information) from the traffic fare payment device 115. Since it is a well-known technique to collect, store and manage the traffic fare charging request information including a periodic (or real time), a detailed description thereof will be omitted for convenience.

In FIG. 12, the traffic fare charging server 105 shown in FIG. 11 is referred to as " server " for convenience, and the non-contact IC card 120 for paying a transportation fare is called " traffic IC card " for convenience.

Referring to FIG. 12, the server receives the traffic fare charging request information including the traffic IC card information and the traffic fare shortage information from the traffic fare payment device 115 to the traffic fare management server 110 ( 1200), the virtual for automatic charging of the traffic fare associated with the traffic IC card information in association with the storage medium 1165 for storing the automatic charging of the fare information registered through the virtual account registration system shown in FIG. The account information is verified (1205).

If the virtual account information for the automatic charge of the traffic associated with the traffic IC card information is confirmed (1210), the server receives the automatic charge of the automatic charge information registered through the virtual account registration system shown in FIG. In connection with the storage medium 1165 to store the account deposit information associated with the traffic IC card information is confirmed (1215).

If the account deposit information associated with the traffic IC card information is confirmed (1220), the server checks (1225) the transportation fee charge charged to the traffic IC card of the confirmed account deposit.

According to an embodiment of the present invention, the server preferably confirms the confirmed account deposit as a transportation fee charge for the contactless IC card 120 for paying the chargeable transportation fee.

According to another exemplary embodiment of the present invention, when the traffic charge charging request information includes the information and the traffic charge shortage information, the server charges the amount corresponding to the traffic charge shortage among the confirmed account deposits. It is preferable to check the transportation fee charge for the contactless IC card 120 for paying the type transportation fee.

According to another exemplary embodiment of the present invention, when the traffic charge charge request information includes information and a balance balance information, the server may contact the non-contact IC card 120 for paying the chargeable transport charge among the confirmed account deposits. The charge in the basic charge (for example, the initial charge amount of the contactless IC card 120 for paying the chargeable transportation rate, or the charge amount set to automatically charge the contactless IC card 120 for paying the chargeable transportation rate) It is preferable to check the amount of money deducting the balance from the transportation fee charge for the contactless IC card 120 for paying the chargeable transportation fee.

If the transportation fee charge charged to the traffic IC card is confirmed (1230), the server withdraws the transportation fee charge from the virtual account in connection with a financial system in which a virtual account for automatic charging of the transportation fee is opened. Charge account of the non-contact IC card 120 for payment of the chargeable transportation fare (for example, the account charge collection agency account, or the charge for the contactless IC card 120 issuer account for payment of the chargeable transportation fare, or chargeable transportation fare) The deposit is charged to the contactless IC card 120 and the charge is processed (1235).

If the traffic fare charge is charged (1240), the server transmits the grace period release information (for example, the traffic IC card information for the grace period release) to the traffic fare management server 110 through the communication network; 1245), and correspondingly, the traffic fare management server 110 stores the payment grace period information after the link is stored in the traffic fare management D / B 1125 in association with the traffic IC card information. The settlement grace period is released (1250).

In addition, the server includes the traffic IC card by providing the traffic fee charge information and the traffic IC card information to one or more traffic fee payment devices 115 provided at the toll gate of the toll road (or highway) (1255). When a vehicle passes through the traffic fare payment device 115, the charge is automatically charged to the traffic IC card.

According to an exemplary embodiment of the present invention, the server transmits the traffic fare payment information and the traffic IC card information to the traffic fare payment device 115 through the communication network and is provided in the traffic fare payment device 115. It is desirable to store in memory.

According to another exemplary embodiment of the present invention, the server transmits the traffic fee charge information and the traffic IC card information to the traffic fee management server 110 through the communication network, and then the traffic fee management server 110. In the present invention, it is preferable that the traffic fare charging information and the traffic IC card information are provided to the traffic fare payment device 115 and stored in a memory provided in the traffic fare payment device 115.

FIG. 13 is a diagram illustrating a process of automatically charging a contactless IC card 120 for paying a transportation charge through a virtual account according to another embodiment of the present invention.

In more detail, FIG. 13 shows the non-contact IC card 120 information for charging a chargeable toll charge from the automatic teller machine 130 and the amount of the lack of the toll charge in the traffic charge server 105 shown in FIG. In connection with the storage medium (1165) for receiving the traffic charge charge request information, including the remaining balance information, and stores the automatic charge information charging information registered through the virtual account registration system shown in Figure 2 or 6 Check the virtual account information and the account deposit information associated with the non-contact IC card 120 information for payment of the charge-type transportation fare, and withdraw the predetermined transportation fare charge among the deposits deposited in the confirmed virtual account. As a process of processing to be charged in the non-contact IC card 120 for paying the transportation fee, those skilled in the art to which the present invention pertains, see FIG. Various implementation methods (e.g., some steps may be omitted, or the order may be changed) may be inferred by the process of automatically charging the contactless IC card 120 for paying the chargeable transportation fee by modifying and / or modifying. As will be appreciated, the present invention includes all implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

In FIG. 13, the traffic fare charging server 105 shown in FIG. 11 is referred to as a " server " for convenience, and the non-contact IC card 120 for paying a transportation fare is referred to as a " traffic IC card. &Quot;

Referring to FIG. 13, the server receives the traffic charge charging request information including the traffic IC card information and the traffic charge shortage information from the financial automatic device 130 (1300). In operation 1305, the virtual account information for automatic charging of the fare associated with the traffic IC card information is checked in association with the storage medium 1165 storing the automatic fare charging information registered through the illustrated virtual account registration system.

If the virtual account information for automatic charge of the traffic associated with the traffic IC card information is confirmed (1310), the server automatically calculates the automatic charge of the traffic charge registered through the virtual account registration system shown in FIG. In operation 1315, the account deposit information associated with the traffic IC card information is confirmed in association with the storage medium 1165.

If the account deposit information associated with the traffic IC card information is confirmed (1320), the server checks the traffic charges charged in the traffic IC card of the checked account deposits (1325).

According to an embodiment of the present invention, the server preferably confirms the confirmed account deposit as a transportation fee charge for the contactless IC card 120 for paying the chargeable transportation fee.

According to another exemplary embodiment of the present invention, when the traffic charge charging request information includes the information and the traffic charge shortage information, the server charges the amount corresponding to the traffic charge shortage among the confirmed account deposits. It is preferable to check the transportation fee charge for the contactless IC card 120 for paying the type transportation fee.

According to another exemplary embodiment of the present invention, when the traffic charge charge request information includes information and a balance balance information, the server may contact the non-contact IC card 120 for paying the chargeable transport charge among the confirmed account deposits. The charge in the basic charge (for example, the initial charge amount of the contactless IC card 120 for paying the chargeable transportation rate, or the charge amount set to automatically charge the contactless IC card 120 for paying the chargeable transportation rate) It is preferable to check the amount of money deducting the balance from the transportation fee charge for the contactless IC card 120 for paying the chargeable transportation fee.

If the transportation fee charge charged in the traffic IC card is confirmed (1330), the server withdraws the transportation fee charge from the virtual account in connection with a financial system in which a virtual account for automatic charging of the transportation fee is opened. The charging account of the contactless IC card 120 for paying the chargeable transportation fee (for example, the account charge collection agency account, or the contactless IC card 120 issuing account for the chargeable transportation fee payment, or the contactless payment for the chargeable transportation fee) The deposit is made to the IC card 120 and the charge is processed (1335).

If the traffic fee charge is charged (1340), the server provides the traffic fee charge information and traffic IC card information to the automated teller machine (130) (1345), so that the traffic is transmitted to the IC card. Balance the charges and process the charges.

According to the present invention, the toll gate of the toll road (or expressway) is provided in the toll gate passing vehicle in a traffic fare payment device which is provided in the toll gate of the toll-type traffic fare payment non-contact IC card for wireless payment payment processing If the amount charged in the contactless IC card for payment of the chargeable transportation fee is insufficient, the contactless IC card for payment of the chargeable transportation fee is charged through the amount deposited in the virtual account associated with the contactless IC card for payment of the chargeable transportation fee. There is an advantage of convenient automatic charging of a certain amount.

According to the present invention, the non-contact IC card information for the chargeable transportation rate payment is received from the automatic teller machine, and the chargeable transportation rate is paid through the amount deposited in the virtual account associated with the non-contact IC card for the chargeable transportation rate payment. There is an advantage in that a non-contact IC card for convenient automatic charging of a certain amount.

Claims (4)

Receiving the IC card information and the transportation fee charging request information of the IC card linked to the virtual account opened in the financial system using the customer's real account as a parent account from the transportation fee management system for paying the transportation fee; Checking the virtual account information associated with the IC card information; Automatically withdrawing a predetermined amount from the virtual account and depositing the charge into the charging account of the IC card; And When the predetermined amount is deposited in the charging account of the IC card, transmitting a grace period release information to the traffic fare management system to release the grace period of the traffic fare shortage amount for the IC card; How to automatically charge the traffic fare. The method of claim 1, wherein the charge charge request information is And a traffic fare shortage amount information obtained by subtracting the amount of the remaining balance charged to the IC card from the amount of the traffic fare paid by the traffic fare management system, wherein the preset amount is a traffic fare that is the traffic fare shortage amount. Auto charging method. The method according to claim 1, The predetermined amount to be automatically deposited into the charging account of the IC card is at least one of the deposit amount deposited in the virtual account and the amount of the IC card deducted from the balance of the IC card included in the traffic fare request information. How to automatically charge the fare using any one of the virtual account. An information receiving unit for receiving the IC card information and the transportation fee charging request information of the IC card linked to the virtual account opened in the financial system by using the real account of the customer as a parent account from the transportation fee management system for paying the transportation fee; A virtual account confirming unit that checks the virtual account information linked to the IC card information; A traffic fare charging unit which withdraws a predetermined amount from the virtual account and deposits the charge into the charging account of the IC card; And When the predetermined amount is deposited in the charging account of the IC card, the grace period release unit for transmitting the grace period cancellation information to the traffic fare management system to release the grace period of the lack of traffic charges for the IC card; , The traffic charge recharge request information includes traffic charge shortage amount information which is obtained by subtracting the amount of the charge remaining on the IC card from the amount of the traffic charge processed by the traffic charge management system. Traffic charge automatic charging system using virtual account which is insufficient traffic fee.

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