KR20020080324A - settlement method of traffic card - Google Patents

Abstract

PURPOSE: A method for paying a traffic card in advance is provided to make an advance payment remaining amount be maintained as a useful state by automatically transferring an advance payment limit money in a payment account or a mother card when an advance payment remaining amount of money collected in a traffic card issuing company is less than a predetermined amount. CONSTITUTION: Personal information including an advance payment limit amount of money capable of being automatically transferred from a corresponding payment account or a mother card is received from a user and the user is registered in a traffic card issuing company server as a member(S11). An advance payment limit amount of money is set based on the personal information and an automatically transferring process is set(S12). A traffic card-using amount of the user is collected in a plurality of traffic service supplying company servers through a plurality of traffic card readers(S13). Information with respect to a traffic card-using amount is received from the traffic service supplying company server and details of the amount are analyzed according to traffic service supplying companies(S14). The traffic card issuing company server checks whether an advance payment remaining amount of the user is more than a predetermined amount(S15). If an advance payment remaining amount of the user is not less than a predetermined amount, a charged amount is paid(S16). If an advance payment remaining amount of the user is less than a predetermined amount, an automatic transfer of an advance payment limit amount is requested and the transferred advance payment limit amount is accumulated as an advance payment remaining amount of money(S17).

Description

Prepaid payment method for the amount used for the transportation card by automatic transfer method from the payment account or the mother card {settlement method of traffic card}

The present invention relates to a prepaid payment method of the amount of the transportation card using the automatic transfer method from the payment account or the mother card, and more particularly, the transportation card so that the user can pay the amount of the transportation card used by the registered transportation card user. When the amount of prepaid balance prepaid to the issuing company is less than a certain amount, the amount of prepaid limit is automatically transferred to the card issuer from the user's payment account or the financial institution that opened the mother card. The present invention relates to a prepaid payment method for the use of a transportation card by an automatic transfer method from a payment account or a mother card so that the remaining amount of the prepaid balance is always available.

In the conventional method of paying the cost of transportation of buses, subways, village buses, etc. by using a cash or bus, subway, or village bus ticket or prepaid transportation card, you must bring cash. Must be purchased, when all the amount of charge prepaid transportation card was exhausted, such as having to go to a separate charging station to recharge.

In order to solve this inconvenience, a transportation card has recently appeared in connection with a credit card, and financial institutions such as credit card companies and banks have been relayed between transportation users and transportation service providers to finance the user's use of transportation. The institution pays the transportation service provider first and then bills the user for the amount.

This has the advantage of not having to recharge the transportation card (credit card) every time the spent amount is exhausted, but it is not available to those who cannot obtain a credit card that includes a transportation card function, such as a bad credit or a minor. Frequent loss of the card by having to insert it.

The present invention for solving the conventional problems as described above, when the prepaid balance amount accumulated in the transportation card issuing company is lowered below a certain amount by linking the transportation card with the payment account or the mother card of the financial institution By automatically transferring the prepaid limit amount from the account or the mother card to the prepaid balance of the card issuer, the prepaid balance of the card is always available and visits a separate charging station to recharge the card. It is an object of the present invention to provide a prepaid payment method for a transportation account using a payment account or an automatic transfer method from a mother card, which enables automatic recharging of a transportation card regardless of time or place.

In addition, the present invention in connection with the user's credit card financial institution payment account or parent card of the user or other people (persons who have permission of the parent, etc.) to the user's transportation card to be automatically debited to receive a credit card The purpose of the present invention is to provide a prepaid payment method for the use of a transportation account by means of a payment account or a direct debit method from a mother card, which enables a minor or a bad credit card to be issued and used.

Figure 1 is a block diagram for realizing a prepaid payment method of the amount of traffic card using the automatic transfer method from a payment account or a mother card according to the present invention.

Figure 2a, 2b is a flow chart illustrating a prepaid payment method of the amount of traffic card using the payment account or automatic transfer method from the mother card according to the present invention.

※ Explanation of code about main part of drawing ※

10: financial institution server 20: traffic card issuing company server

30: transportation service provider server 40: traffic card reader

50: traffic card 60: user terminal

In order to realize the above object, the prepaid payment method for the use of a transit card or an amount of transportation card using the automatic transfer method from a mother card may include a payment account of a financial institution for automatic transfer from a user who requested membership registration; A first step of receiving a personal information including a mother card and a corresponding payment account or a prepaid limit amount which can be automatically transferred from the mother card at any time, and registering the transportation card user as a member in the transportation card issuing company server; Based on the personal information of the traffic card user registered as a member on the server of the card provider company, a payment institution for automatic transfer is set up and a prepaid limit amount for automatic transfer is set up. A second step of linking if possible; A third step of collecting a user's transportation card usage amount to a plurality of transportation service provider servers through a plurality of transportation card readers mounted on the transportation means; A fourth step of receiving information on the amount of use of the traffic card from the service provider server and analyzing the details of the amount of use of the traffic card for each user and the service provider; A fifth step of determining whether the prepaid remaining amount of the user accumulated in the transit card issuing server is greater than or equal to a predetermined amount by analyzing the transit card use amount for each user and the transit service provider; And if the remaining amount of the user's prepaid amount is greater than or equal to a certain amount, the transportation card issuing company server pays the amount used by the transportation service provider server, and if less, requests the automatic transfer of the prepaid limit amount from the financial institution server. And a sixth step of accumulating the prepaid limit automatically deducted from the server as the remaining prepaid amount of the corresponding user.

In addition, in the prepaid payment method of the transportation card use amount by the automatic transfer method from the payment account or the mother card according to the present invention, the user of the transportation card has an on-line communication with the transportation card issuing company server. It is desirable to provide various member information to the transportation card issuing company server and register as a member using a PC or a mobile communication terminal.

In addition, in the prepaid payment method of the transportation card use amount by the automatic transfer method from the payment account or the mother card according to the present invention, if the remaining amount of the payment account or mother card is less than the prepaid limit amount, issuance of the transportation card The company server preferably transmits a message indicating that the transportation card user cannot use the transportation card to a transportation service provider server, when the remaining amount of the prepaid amount of the corresponding transportation card user accumulated in the transportation card issuing server is less than a predetermined amount.

In addition, in the prepaid payment method of the transportation card use amount by the automatic transfer method from the payment account or the mother card according to the present invention, if the remaining amount of the payment account or mother card is less than the prepaid limit amount, issuance of the transportation card The company server preferably transmits a message for notifying the transportation card user to deposit the amount of the prepaid limit amount to the payment account or the mother card through an e-mail or a mobile communication terminal.

In addition, in the prepaid payment method of the amount of the use of the transportation card by the automatic transfer method from the payment account or the mother card according to the present invention, the predetermined amount in the fifth step is one month or more by using a transportation card. It is preferable that it is the amount which can be used for 1 month or more.

In addition, in the prepaid payment method of the amount of traffic card using the payment account or the automatic transfer method from the mother card according to the present invention, the prepaid limit amount accumulated in the server of the transportation card issuing company or the payment account of the financial institution; It is preferable that the credit card is automatically debited by a certain amount every certain period.

Hereinafter, the present invention will be described in detail.

Referring to FIG. 1, the present invention provides a financial institution server 10, a traffic card issuing company server 20 (for example, credit card company, etc.) connected online through a communication means such as the Internet, and a transportation service. And a company server 30 (for example, a bus association, subway or village bus association, etc.). Of course, the communication means such as the Internet is made of a PC, a mobile communication terminal, etc., and can also be connected to the user terminal 60 of the user using a traffic card.

The transportation card issuing company server 20 includes a payment account or a mother card of a financial institution for automatic transfer from the user terminal 60 and a prepaid limit amount which can be automatically transferred from the payment account or the mother card at any time. It receives personal information and stores it as a member information in the database, registers the relevant traffic card user as a member, and issues a traffic card to the user. At this time, the payment account can use all of the other person, such as the user himself or his parents, and the mother card can be used as a parent who can be issued a credit card or someone else to obtain a separate consent.

Of course, a user may register with a traffic card issuing company server 20 and an online connection with a merchant terminal, a phone, an e-mail, or visit a traffic card issuing company to register as a traffic card member and issue a traffic card.

As described above, the traffic card issuing company server 20 that registers a traffic card user as a member sets a prepaid limit amount for automatic money transfer to a payment account for automatic transfer or a financial institution server 10 having a mother card. It is linked to allow automatic transfer from.

In addition, the traffic card issuing company server 20 receives the information on the traffic card usage amount from the transportation service provider server 30 and analyzes the details of the traffic card usage amount for each user and the transportation service provider. The traffic card usage information of the user collected in the database of the service provider server 30 is collected through the traffic card reader 40 installed in various transportation means such as a bus or a subway.

In addition, the traffic card issuing company server 20 which analyzes the amount of transportation card usage amount by user and the transportation service provider is a prepaid remaining amount of the corresponding user accumulated in the traffic card issuing company server 20 by automatic transfer. Pay the bill charged by the provider server 30, but if the user's prepaid balance amount is more than a certain amount, the billed amount used by the transportation service provider server 30 is normally paid, if less than the financial institution server (10) ), The automatic prepayment of the prepaid limit amount is required, and the prepaid limit amount automatically debited from the financial institution server 10 can be accumulated as the prepaid remaining amount of the corresponding user.

In addition, the user's prepaid limit amount accumulated in the transportation card issuing company server 20 may be automatically credited by a predetermined amount every certain period from the payment account or the mother card of the financial institution server 10.

Here, a certain amount, which is a standard for requesting direct debit, is set as an amount that may occur when using a transportation card for one month or more than one month, which is determined by a transportation service provider to a transportation card issuer. The purpose is to allow the use of the transportation card during the period of claiming the use of the transportation card, and to minimize the loss that can be incurred by using the transportation card even though the amount of prepaid balance accumulated by the transportation card issuer has fallen below a certain amount. .

In addition, if the remaining amount of the payment account or the mother card is less than the prepaid limit amount, the transportation card issuing company server 20 is less than a predetermined amount of the prepaid amount of the corresponding transportation card user accumulated in the transportation card issuing company server 20. A message informing that the transportation card cannot be used can be delivered to the transportation service provider server 30, and the e-mail or mobile terminal can be used to send the payment card or the prepaid limit to the payment card or mother card. It is configured to deliver a message informing you to deposit money.

With reference to Figures 2a, 2b will be described in detail the process of payment of the means of transportation using the traffic card according to the present invention, in practice, the user and the traffic card reader and transportation service provider a number of the overall operation of the present invention For the sake of understanding, a single user registers as a member, uses a transportation card, and explains the process of payment.

First, a payment account of a financial institution for automatic transfer using a user terminal 60 capable of online communication with a transportation card issuing company server 20, that is, a personal computer, a mobile terminal, a merchant terminal, or the like. Prepaid limit amount that can be automatically transferred when the prepaid balance of the user accumulated in the transportation card issuer server 20 from the mother card and the corresponding payment account or mother card falls below a certain amount (10,000 won, 20,000 won, 3 E.g. 10,000 won, 50,000 won, etc.) If you enter personal information, including, etc., the traffic card issuing company server 20 registers the user as a member, regardless of minors or poor credit, and various personal information of the user The information can be stored in the database as a member information and used for transportation to users registered as members through offline such as mail. The shipping transportation card (S11).

Of course, the user can be registered as a member by using a method such as telephone, fax, e-mail or direct visit without using online communication such as the Internet.

When the user is registered as a new member, the transportation card issuing company server 20 makes payment of the user to the financial institution in order to receive a prepaid payment (direct debit) from the payment account or the mother card of the financial institution opened by the user. Information about the account or mother card and the prepaid limit amount is transferred to establish an agreement for automatic transfer with the financial institution (S12).

In this case, the transportation card issuing company server 20 has a predetermined amount, which is a standard for requesting a direct debit to a financial institution, according to the amount of the prepaid balance of a specific user accumulated in the transportation card issuing company server 20. It is possible to use the transportation card while the transportation service provider charges the transportation card issuer with the transportation card issuer, and the transportation card is used even though the amount of prepaid balance accumulated by the transportation card issuer has fallen below a certain amount. It is desirable to minimize the loss that may occur.

The traffic card issuing company server 20 which has a database of member information on a user who uses a traffic card is traffic card usage information transmitted from the transportation service provider server 30, that is, a cost incurred when the user uses various transportation methods. Collect information on (S13).

In more detail, the traffic card reader 40 installed in various means of transportation such as a bus, a train or a village bus reads and stores unique user information from the traffic card 50 presented when the user uses the means of transportation. . Of course, the member information includes information on the cost of using the means of transportation, and it is natural that the stored information is collected by the transportation service provider server 30 and initialized according to an external input. At this time, the traffic card reader 40 upgrades the information on the user (traffic card) that is determined to be unable to use the traffic card transmitted from the traffic card issuing company server 20 each time the traffic card usage amount is collected. When using a traffic card receiving the traffic card reader 40 displays the use of the corresponding traffic card.

The traffic card usage information read by the traffic card reader 40 is collected in a database in the traffic service provider server 30 primarily through on-line or off-line.

Subsequently, the traffic card usage information collected in the transportation service provider server 30 is information about the transportation service provider (this is to receive a fee incurred when the user uses the transportation means, and the financial institution account of the transportation service provider). And the like.) Is finally collected in a database in the transportation card issuing company server 20 via the Internet. In other words, the transportation service provider server 30 charges the transportation card issuing company server 20 with the user's transportation card usage amount at a predetermined time and receives the transportation card use decision from the transportation card issuing company server 20 at the same time. Download user information.

The traffic card issuing company server 20, which collects the traffic card usage information through the above process, analyzes the traffic card usage information to obtain a billing amount of each traffic service provider and a different transportation service provider (S14).

In addition, each time the transportation card issuing company server 20 charges an amount used by each transportation service provider server 30, whether the prepaid remaining amount of each user accumulated in the transportation card issuing company server 20 is greater than or equal to a predetermined amount. It will be confirmed (S15). As a result of the above step 15, if the user's prepaid balance amount is more than a certain amount, the traffic card issuing company server 20 pays the traffic card use amount of the specific user charged by the transportation service provider (S16), but not more than In case of requesting a direct debit to the financial institution server 10 in which the user's payment account or mother card is opened (S17).

At this time, the payment between the card issuer and the transport service provider may be made by automatic transfer through a financial institution contracted between them, as in a normal credit card, or may be made through a conventional offline.

The financial institution server 10 that has received a request for automatic transfer from the transportation card issuing company server 20 through the above process checks the remaining amount of the user's payment account or the mother card, and the remaining amount is determined when the user registers. It is checked whether the amount is more than the prepayment limit (S18). In other words, the financial institution server 10 checks whether the prepaid limit amount requested by the transportation card issuing company server 20 can be automatically transferred to the payment account or the credit card set up by the user. Of course, in the case of a mother card refers to the usage or service limit, not the reserve.

If the remaining amount of the user's payment account or mother card is more than the prepaid limit amount, the financial institution server 10 sets the prepaid limit amount in the user's payment account or mother card of the transportation card issuer server 20 or the transportation card issuer's financial institution. Normally automatic transfer to the account (S19), but if less than to generate a message informing it is sent to the transportation card issuing company server 20 (S20).

The traffic card issuing company server 20 that has received a message from the financial institution server 10 that the remaining amount of the user's payment account or mother card is less than the prepaid limit amount in step 20 is the transportation service provider server as described above. Each time 30 requests the collected amount of the use of the traffic card, the traffic card that has been determined to be unusable, that is, information about the user is provided to the transportation service provider server 30 (S21), and the traffic card mounted on the transportation means. By upgrading the user information recorded in the reader 40, the use of the corresponding traffic card can be blocked.

Furthermore, the amount of more than the prepaid limit amount due to the lack of the remaining amount of the user's payment account or mother card by the traffic card issuing company server 20 to the e-mail or wired / wireless communication terminal of the traffic card user. By transmitting a message informing that the deposit should be made, the user can maintain the remaining amount of the payment account or the mother card more than the limited remaining amount (S22).

Therefore, according to the present invention, when a prepaid balance amount accumulated in a transportation card issuing company falls below a certain amount by linking a transportation card with a payment account or a mother card of a financial institution, the transportation card issuing company in the payment account or the mother card of the financial institution. The amount of prepaid limit is automatically added to the reserve amount, so the prepaid balance of the traffic card is always available, and the traffic card can be used regardless of time or place without having to visit a separate charging station to recharge the traffic card. There is an effect that can be used automatically charging.

In addition, the present invention is linked to the user's or other's (person's permission, the parent, etc.) financial institution payment account or mother card (credit card) in conjunction with the user's transportation card to automatically transfer the prepayment amount Minors or creditors who cannot obtain a credit card including a card can be issued and used with a prepaid transportation card.

Although the present invention has been described in detail only with respect to the specific embodiments described, it will be apparent to those skilled in the art that various modifications and variations are possible within the technical scope of the present invention, and such modifications and modifications belong to the appended claims. .

Claims (6)

The user who requested membership registration receives personal information including the payment account or mother card of the financial institution for automatic transfer and the prepaid limit amount that can be automatically transferred from the payment account or mother card to the transportation card issuing company server. A first step of registering the traffic card user as a member; Based on the personal information of the traffic card user registered as a member on the card issuing company server, a payment institution for automatic transfer is set up and a prepaid limit amount for automatic transfer is set up. A second step of linking if possible; A third step of collecting a user's transportation card usage amount to a plurality of transportation service provider servers through a plurality of transportation card readers mounted on the transportation means; A fourth step of receiving information on the amount of use of the traffic card from the service provider server and analyzing the details of the amount of use of the traffic card for each user and the service provider; A fifth step of determining whether the prepaid remaining amount of the user accumulated in the transit card issuing server is greater than or equal to a predetermined amount by analyzing the transit card use amount for each user and the transit service provider; And If the remaining amount of the user's prepaid amount is greater than or equal to a certain amount, the transportation card issuing server server pays the amount used by the transportation service provider server. A sixth step of accumulating the prepaid limit automatically deducted from the user as a remaining prepaid amount; Prepaid payment method of using the transportation account by the automatic transfer method from the payment account or the mother card comprising a. The method of claim 1, The traffic card user may provide various member information to the traffic card issuing company server and register as a member by using a PC or a mobile communication terminal capable of on-line communication with the traffic card issuing company server. Prepaid payment method of transportation card usage amount by automatic transfer method from payment account or mother card. The method of claim 1, If the remaining amount of the payment account or the mother card is less than the prepaid limit amount, the transportation card issuing server server is a prepaid remaining amount of the corresponding transportation card user accumulated in the transportation card issuing server server to the transportation service provider server server A prepaid payment method of using a transportation card using an automatic transfer method from the payment account or a mother card, characterized in that it transmits a message indicating that the transportation card cannot be used. The method of claim 1, If the remaining amount of the payment account or the mother card is less than the prepaid limit amount, the transportation card issuing company server limits the prepayment to the payment account or mother card through the e-mail or mobile communication terminal. A prepaid payment method of using a transportation card using an automatic transfer method from the payment account or a mother card, characterized in that a message for informing a deposit of an amount greater than an amount is transferred. The method of claim 1, The predetermined amount of money in the fifth step is the amount of money that can be used for one month or more than one month by using a transportation card. Prepaid payment method. The method of claim 1, The prepaid limit amount accumulated in the transportation card issuing company server is automatically transferred by a predetermined amount every predetermined period from a payment account or a mother card of the financial institution. Prepaid payment method for the amount used.