KR20040081584A - Telephone paying in advance approval code slip buying and selling system - Google Patents

Abstract

PURPOSE: A method for trading a telephone prepayment approval code slip is provided to minimize the waste of the expense and the resource needed for making a plastic telephone prepayment card by selling the telephone prepayment approval code slip having the same effect as the plastic telephone prepayment card after an approval procedure of a communication company. CONSTITUTION: A host(12) comprises a service controller(14) controlling all operation for proving a gift certificate trading service, a random number generator(13), and a data memory(15) storing various kinds of processing data according to the trading service provision. A database(16) of the host comprises a sales shop information storing part(17) storing the information for the sales shop(30), which is a service subscriber, a random number code information storing part(18) storing the information for an approval code provided to the sales shop, and a trading information storing part(19) storing the trading information of the approval code.

Description

Phone prepaid authorization code slip sale system {TELEPHONE PAYING IN ADVANCE APPROVAL CODE SLIP BUYING AND SELLING SYSTEM}

The present invention relates to a telephone prepaid authorization code voucher trading system, and more particularly, a prepaid authorization code voucher capable of exerting the same effect as a plastic telephone prepaid card by connecting a communication company, a financial company, and a plurality of stores to a communication network. By issuing and selling through the approval process, it is possible to minimize the cost and resource waste associated with the production of the plastic telephone prepaid card, and to improve the profitability of the telecommunications company by reducing various sales management costs and the like. Sales of telephone prepaid authorization codes to prevent environmental pollution from reprocessing and to minimize money loss and inconvenience caused by the loss and theft of plastic phone prepaid cards. It's about the system.

In general, a prepaid card refers to a card which is freely used within the issuance amount after being prepaid to the customer in a state where a certain issuance amount is recorded.

On the back of the card, a magnetic strip is usually applied in parallel to one side in the longitudinal direction. In order to be freely operated as a gift certificate, the magnetic strip is encrypted and recorded on the magnetic strip.

Such a conventional prepaid card is usually issued and distributed individually by a department store, a communication service company, or a multi-store direct chain store.

However, among the prepaid cards, which are used by communication service companies, the prepaid cards do not rely on payment through a payment terminal, and when a unique card number is input into a telephone, payment is automatically made at the same time as the call. After this, there is a telephone prepaid card that is discarded.

In other words, when using a telephone prepaid card sold in the past, first press the access number of the carrier providing the call service, select the language you want to receive guidance, and then press the password given to the purchased prepaid card, and then enter the other party's telephone number. Press to try the call.

As can be seen here, the above-mentioned telephone prepaid card does not have any function other than providing the buyer with a secret code written on the front when attempting a call, but such a prepaid card also has the same material and form as a normal prepaid card. It is manufactured and sold as shown in FIG.

Accordingly, a telecommunications company that manufactures and sells such prepaid cards bears an economic burden due to the plastic telephone prepaid card production and various sales management costs.

In addition, the waste of resources caused by plastic telephone prepaid cards discarded after use is increasing day by day, and the situation of environmental pollution in the process of reprocessing is also getting serious day by day.

In addition, the enormous loss of money and inconvenience caused by lost and stolen crime accidents occurring in the process of distributing and selling plastic telephone prepaid cards are increasing day by day. There was a problem that can be used.

For reference, such a prepaid card is a payment method that is widely used in a backward country in which credit transactions are not well established, and the above-mentioned problems are more serious.

The present invention has been made in view of the conventional problems as described above, and the object is to communicate a prepaid authorization code slip that can exert the same effect as a plastic telephone prepaid card by communication network and a number of stores By issuing and selling through the approval process from the company, it is possible to minimize the cost and waste of resources due to the production of the prepaid plastic telephone card, and to improve the profitability of the telecommunications company by reducing various sales management costs. Telephone prepaid authorization code that prevents environmental pollution from prepaid card reprocessing and minimizes the loss and inconvenience of lost and stolen accidents in the process of distributing and selling plastic telephone prepaid cards. It is to provide a document trading system.

According to the method of issuing a telephone prepaid authorization code slip that can be used to pay for communications to achieve the above objectives:

Request for issuance of a document containing an authorization code corresponding to a certain amount from an authorization code document issuing terminal provided in a specific region by establishing a connection between a terminal of a telecommunication company, a financial company, and a store distributed in multiple regions through a communication network. When a signal is transmitted, it generates an issuer's unique number and a random number for authentication, codes it, transmits it as a signal to the terminal of the requested store, and issues a telephone prepaid authorization code slip necessary for closing a sale between the store and the consumer. It is desirable to.

1 is a system configuration diagram showing a schematic configuration of the present invention telephone prepaid approval code slip trading system.

Figure 2 is a functional block diagram showing the functional separation of the internal configuration of the host constituting the present invention telephone prepaid authorization code slip trading system.

3 is a view showing a data storage table stored in a database shown in FIG.

Figure 4 is a system configuration showing a schematic configuration of a conventional telephone prepaid card trading system.

<Description of the symbols for the main parts of the drawings>

10: communication company 20: communication network

30: store 40: terminal

50: financial company

11: modem 12: host

13: random number generator 14: service control unit

15: Data memory 16: Database

17: store information storage unit 18: random number information storage unit

19: trading information storage

Hereinafter, the configuration of the present invention in detail with reference to the drawings.

1 is a system configuration diagram showing a schematic configuration of the present invention telephone prepaid authorization code slip trading system, Figure 2 is a functional separation of the internal configuration of the host constituting the present invention telephone prepaid authorization code slip trading system 3 is a block diagram, and FIG. 3 is a diagram showing a data storage table stored in a database shown in FIG.

For reference, in describing the present invention, when 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 is omitted.

In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users and operators.

Therefore, the definition should be made based on the contents throughout the specification.

As shown, the terminal 12 of the telecommunication company 10, the financial company 50, and the terminal 40 provided at the retail store 30 distributed in a plurality of regions are connected to the communication network 20 to be established and stored in a specific region. When a request signal for requesting an authorization code corresponding to a certain amount is transmitted from the terminal 40, the issuer unique code and a random number for authentication are generated and coded to the terminal 40 of the requested store 30. By sending a signal, it is possible to issue a telephone prepaid authorization code slip necessary for closing a sale between a retailer 30 and a consumer.

Here, the authorization code slip issued and sold by the terminal 40 of the retail store 30 is made of paper.

The approval code slip is printed on the surface, including the issuer's logo and amount.

In addition, the unique number of the authorization code slip is composed of two parts, that is, the unique number and random number of the issuing retailer (30).

Distributor 30 is uniquely determined by the issuer or assigned from the standardization organization.

On the other hand, the random number is generated by the random number generator 13 provided in the host 12 of the telecommunication company 10.

Authorization code slip unique number combined with the store number 30 and the random number is preferably 16 digits like the credit card.

It is preferable that the unique number of the retailer 30 to issue is 2 to 6 digits, and it is especially preferable that it is 4 digits.

First, the random number generator 13 provided in the host 12 automatically generates a random number when a request signal requesting an authorization code corresponding to a predetermined amount is transmitted from the terminal 40 of the specific store 30. .

When the random number generation is completed, a unique number of the authorization code slip is generated by combining the random number and the random number of the issuing retailer 30.

As described above, the issuer unique number is determined in advance by the issuer, in consultation with the standardization body or by being assigned by the standardization body.

In the authorization code slip according to the present invention, since the unique number is assigned based on a random number, the card identification number is completely different between the authorization code slips issued in succession.

This makes it almost impossible to predict the identification number of another authorization code slip issued at a similar time even if the identification number of one authorization code slip is read for the purpose of modulation.

For example, when the random number is 12 digits, the hit ratio at the time of arbitrarily predicting the unique number of one approval code slip becomes 1 / 1,000,000,000,000.

The host 12 generating the issuer's unique number and random number through the above process transmits the coded signal to the terminal 40 of the requesting store 30 and prepaid the telephone necessary for making a sale between the retailer 30 and the consumer. The authorization code slip can be issued.

Next, the present invention will be described in more detail with reference to the accompanying drawings.

First, in Fig. 1, reference numeral 12 is a host of the service provider to enable the pre-paid telephone marketing authorization code document according to the invention, this number of vendor terminal (40 ₁ ~40n) to the existing telephone network 20, or It is connected via the newly established communication network 20.

It is also possible to connect via the Internet.

In addition, the financial company 50 for the payment and confirmation of the payment amount due to the conclusion of the sale and the connection will be connected through a dedicated line.

At this time, the coupling between the host 10 and the financial company 50 does not necessarily need to go through a dedicated line, but may be combined through the Internet.

On the other hand, the host 12 provides the approval code for issuing the prepaid authorization code slip required for the sale to the terminal 40 of the retailer 30 that wants to sell a predetermined amount of the prepaid authorization code slip, but to the retailer 30. From the payment of the payment from the financial company 50 that receives the payment for the sale will be checked.

In addition, although not shown, the host 12 may be combined with a non-life insurer to pay a certain amount of insurance premiums to the victims in case of non-compliance with a gift certificate transaction to ensure the reliability of the service.

In addition, although not shown, the host 12 may be combined with an electronic payment security certification company and an electronic money issuer for electronic money verification in order to improve personal information and stability in multilateral trading.

On the other hand, Figure 2 is a functional block diagram showing a functional separation of the internal configuration of the host 12, which comprises a communication terminal 20 and the operator terminal having an input terminal such as a host and a monitor and keyboard do.

In addition, the host 12 is a service controller 14 for controlling the overall operation for providing a gift voucher service according to the present invention, a random number generator 13, and for storing various processing data according to the sale service The data memory 15 is configured to be included.

Meanwhile, in FIG. 2, the database 16 of the host 12 stores a store information storage unit 17 in which information of a store 30, which is a service subscriber, is stored, and information of an approval code provided to the store 30. The random number code information storage unit 18 for storing, and the selling information storage unit 19 for storing the selling information and the fastening information of the approval code provided to the retail store 30.

In addition, the store information storage unit 17 stores the subscriber's personal information, for example, member's personal information, password, name, resident registration number, phone number, mobile communication terminal number, payment account number, E-mail address, etc. Will be.

In addition, the retailer information storage unit 17, as shown in Figure 3, the transaction information, such as information for the transaction, such as sold approval code information, trading method information, quantity, and trading contact information is stored. And a publication information table (B) in which issuance information, for example, a publication point, issue date, expiration date, expiration date, par value, and sales amount of the telephone prepaid authorization code slip is stored.

In addition, as shown in FIG. 3, the trading information storage unit 19 of FIG. 2 sells information such as selling information such as selling seller, selling setting period, selling request time, selling quantity, selling amount, and the like. Table (C) and a closing information table (D) that stores information such as trading information according to the selling store and selling order, for example, issuance information, selling store, trading time, trading price, trading quantity, etc. .

In this case, the selling information table (C) and the closing information table (D) is preferably configured as a separate information table according to the telephone prepaid authorization code slip trading system provided by the service.

Meanwhile, in FIG. 2, the data memory 15 provided in the host 12 is for storing various processing data executed and controlled by the service control unit 14. For example, the data memory 15 includes a random access memory (RAM) or a hard disk. do.

Next, the operation of the system having the above configuration will be described.

First, when the telephone prepaid authorization code slip trading system is connected to the host 12 of the telecommunication company 10 by using the terminal 40 at the store 30, the service control unit 14 of the host 12 is connected or not. To be sent to the terminal 40 of the affiliated store 30 through the modem.

And, although not shown, the host 10 may be combined with a predetermined authentication center for authenticating the identity of the retailer 30 that requires such a service to authenticate the identity of the subscriber through inquiry of the social security number authorized at the time of registration. have.

Subsequently, while the retailer 30 is connected to the host 12 through the terminal 40 as described above, the retailer 30 requests to provide an authorization code required for issuing a predetermined amount of a telephone prepaid authorization code slip required for sale. When the host 12 checks the credit information of the retailer 30 and the like, if there is no abnormality, the host 12 transmits the approval code generated through a certain approval process to the terminal 40 of the corresponding retailer 30 requesting the service.

At this time, the approval code sent to the terminal 40 is provided to be divided and output by industry or region.

On the other hand, the host 12 taking a trade transaction through the above-described process specifies the amount corresponding to the selling amount of the telephone prepaid authorization code slip sold to the terminal 40 of each store 30 after a certain period of time. A message requesting the deposit to the financial institution 50 is sent.

Subsequently, when the payment is received from the financial institution 50 by depositing the corresponding deposit account at the retail store 30, the host 12 selects only the retail store 30 that has normally paid on the basis of the above-mentioned service. Will continue to provide.

On the other hand, in the case of the store 30 that is determined to have a problem with the above-described credit settlement method, after receiving a prepayment for a predetermined amount from the store 30, the same amount of approval code as previously described is provided. Provided through

For reference, the present invention may be variously modified and may take various forms. However, in the detailed description of the present invention, only specific embodiments thereof are described.

Therefore, it is to be understood that the invention is not to be limited to the specific forms referred to in the description, but rather to include all modifications, equivalents and alternatives falling within the spirit and scope of the invention as defined by the appended claims. It must be understood.

According to the present invention as described above has the following effects.

In other words, the prepaid authorization code slip, which is capable of exerting the same effect as a plastic telephone prepaid card by connecting a telecommunications company, a financial company and a plurality of stores through a communication network, can be issued and sold through the approval process from the telecommunications company. In addition to minimizing the cost and resource waste associated with card production, and improving the profitability of the telecommunications company through the reduction of various sales and management expenses, it is possible to prevent the environmental pollution problem caused by the prepaid card reprocessing. It is effective in minimizing money loss and inconvenience caused by loss and theft accidents that occur during the distribution and sale of telephone prepaid cards.

Claims (3)

As a method of issuing a telephone prepaid authorization code slip that can be used for communication payments, The terminal 40 provided in the host 12 of the telecommunication company 10, the financial company 50, and the retailer 30 distributed in a plurality of regions is connected to the communication network 20 to establish a terminal 40 provided in a specific region. When a request signal is sent to request a document containing a confirmation code corresponding to a certain amount from), an issuer unique number and a random number are generated for authentication, and then coded and signaled to the terminal 40 of the requested store 30. The telephone prepaid approval code slips trading system, characterized in that it is possible to issue and sell the telephone prepaid authorization code slips necessary for closing the sale between the retailer 30 and the consumer. The method of claim 1, The host 12 includes a service controller 14 for controlling an overall operation for providing a gift voucher service according to the present invention, a random number generator 13, and data for storing various processing data according to the sale service. Telephone prepaid authorization code voucher system, characterized in that it comprises a memory (15). The method of claim 1, The database 16 of the host 12 includes a store information storage unit 17 storing information of a store 30 that is a service subscriber, and a random number for storing information of an authorization code provided to the store 30. Code information storage unit 18, the telephone prepaid approval code slips trading system comprising a sale information storage unit 19 for storing the selling information and the closing information of the approval code provided to the store (30).