KR20130014294A - Fixed amount settlement system using a deferred payment type traffic card and controlling method therefore - Google Patents
Fixed amount settlement system using a deferred payment type traffic card and controlling method therefore Download PDFInfo
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- KR20130014294A KR20130014294A KR1020110093200A KR20110093200A KR20130014294A KR 20130014294 A KR20130014294 A KR 20130014294A KR 1020110093200 A KR1020110093200 A KR 1020110093200A KR 20110093200 A KR20110093200 A KR 20110093200A KR 20130014294 A KR20130014294 A KR 20130014294A
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- South Korea
- Prior art keywords
- card
- postpaid
- subscription
- transportation card
- fixed
- Prior art date
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/342—Cards defining paid or billed services or quantities
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/387—Payment using discounts or coupons
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- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
According to the present invention, a member having a post-paid transportation card equipped with an electronic chip therein can use the fixed amount of the post-paid transportation card through a flat rate management site of the Internet for a fixed period of time, which is discounted by a predetermined rate, for a contract period. A terminal for access processing to a flat rate management site of the Internet so that the terminal can be processed; The terminal manages the menu of the flat rate management site connected through the Internet, manages the member information of the postpaid transportation card, which has been pledged at a fixed price for a fixed period of time, through the terminal, and manages the information of the contracted member. The present invention provides a fixed payment system and a control method using a postpaid transportation card including a card company's subscription management server transmitted to a server.
In the present invention as described above, by using a fixed price at a fixed rate discounted by a certain rate than the normal fare, the contract with the customer through the management site of the Internet and by the flat payment according to the actual use result of the corresponding transportation card In addition, the flat rate payment system using the postpaid transit card can be used in various ways to provide a new payment to users who use the postpaid transit card, thereby maximizing the satisfaction of card users. It provides a control method.
Description
The present invention relates to a fixed amount payment system using a postpaid transportation card and a control method thereof. In particular, the present invention relates to a customer through a management site of the Internet so as to use a transportation card using a fixed price at a fixed rate, which is discounted by a certain rate. The present invention relates to a fixed payment system and a control method using a postpaid transportation card that maximizes the satisfaction of card users by making a fixed payment according to the actual use result of the traffic card.
Generally, currency used in commerce is limited to banknotes, coins, and checks, but the introduction of a new currency concept is required due to the inconvenience and the risk of theft. In particular, with the introduction of the concept of electronic commerce, a new concept of payment method that has not been experienced in the real transaction has been required, and the electronic money embedded with a credit card and an electronic chip is attracting attention. That is, various kinds of cards, which are a kind of electronic money, are various in their kind, and are now provided with electronic money (NFC chip embedded card) incorporating electronic chips in recording media such as magnetic strip cards. In the case of the above-mentioned card, a prepaid or postpaid payment is used according to the payment method. In the case of the prepaid card, when the user charges the card by setting a certain amount, the amount settled by the user is stored in the storage medium embedded in the card. It is recorded and charged. Thereafter, when the user conducts a commercial transaction such as purchasing an item and presents the corresponding card, the seller inputs a transaction amount through the card reader. The card reader records the new amount by subtracting the amount of the transaction generated by the transaction from the amount of money already charged in the storage medium of the electronic money so that the usage fee is settled. On the other hand, the postpaid card is used in such a way that after the card is used first, the usage history is collected by the postpaid payment system, and the card user is required to pay the bill later.
Here, as a prior art related to the postpaid card payment system as described above is known Korean Patent Application No. 2001-0074286 filed by Fusion TNC.
Then look at the post-payment system for managing the conventional post-paid card as described above with reference to Figure 1, NFC (Near Field Communication) chip is provided inside the NFC terminal equipped with NFC terminal or transportation means 70, for example A
Transportation
A card company server 74 for processing a card approval request for the card number and the amount data according to the use of the
The payment
On the other hand, the operation of the postpaid payment system for managing the conventional postpaid card as described above, first, a user having a
However, since the postpaid payment system that manages the conventional postpaid card as described above simply charges the use fee on a predetermined billing date after using the postpaid transportation card, the card users can use it for a long time and make a substantial discount to the card company. As there is a lack of convenience, such as a large number of complaints by the card users occurred, and also the card company side can not use a variety of rate plans, such as pay-as-you-go, flat rates and unlimited use of advanced country-type schemes that are convenient for customers. There was a problem that considerably limits the sex.
Therefore, the present invention was invented to solve the above-mentioned problems of the prior art, and with the customer through the management site of the Internet to use the transportation card use amount for a fixed period of time discounted by a certain rate than the normal rate The purpose of the present invention is to provide a fixed payment system using a postpaid transportation card and a control method thereof, which are contracted and charged according to the actual use result of the corresponding transportation card.
Another object of the present invention is to operate according to the construction of the interconnection network by changing some protocols or programs of the management server used in the past without the need to newly build a separate device to execute the fixed payment service. The present invention provides a semen payment system using a postpaid transportation card and a control method thereof, which significantly increase the maintenance utilization of equipment.
In order to achieve the above object, the present invention provides a fixed price at which a member having a postpaid transit card equipped with an electronic chip is discounted by a certain ratio from the normal rate through the subscription management site of the Internet. A terminal which accesses the flat rate management site of the Internet so as to promise to use for a contract period;
The terminal manages the menu of the flat rate management site connected through the Internet, manages the member information of the postpaid transportation card, which has been pledged at a fixed price for a fixed period of time, through the terminal, and manages the information of the contracted member. It provides a flat payment system using a postpaid transportation card configured to include a card company subscription management server to send to the server.
Another feature of the present invention is that a member having a postpaid transportation card equipped with an electronic chip therein accesses a subscription management site of the Internet using his terminal, and the amount of the postpaid transportation card is constant from the normal rate for the contracted period. A subscription service subscription process for subscribing to a flat rate service of a postpaid transportation card that promises to use a fixed price discounted at a rate;
After the subscription service subscription process, the card company's subscription management server manages the member information of the postpaid transportation card, which has been pledged at a fixed price for a fixed period through the terminal, into the DB and transmits the information of the contract member to the settlement server. Processing;
If the payment amount settlement server manages the member information subscribed to the subscription of the postpaid transportation card received from the card company's subscription management server after the processing of the subscription information, and the member is subscribed to the subscription of the postpaid transportation card, the maximum usage amount is exceeded. Provides a control method of a flat payment system using a postpaid transportation card, which includes a subscription service payment process that deducts from the member's earning points and charges the card usage fee if the amount is insufficient.
According to the present invention as described above, a contract with the customer through the management site of the Internet to use the traffic card using the fixed amount at a fixed rate discounted by a certain rate than the normal rate and the fixed amount according to the actual use result of the corresponding transportation card By making a payment, a flat rate payment for each individual using a postpaid transit card can be executed in various ways, thereby providing new payments to users who use postpaid transit cards, thereby maximizing the satisfaction of card users.
In addition, the present invention as described above is implemented according to some changes to the protocol or program of the management server that was used in the past without the need to build a separate device to execute the fixed payment service after establishing the interconnection network and operating accordingly It also has the effect of significantly increasing the equipment's maintainability.
1 is an explanatory diagram illustrating an example of a postpaid payment system for managing a conventional postpaid card.
Figure 2 is an explanatory diagram illustrating a straight-line payment system using a postpaid traffic card according to the present invention.
3 is a flowchart of the present invention.
Figure 4 is an explanatory diagram illustrating an embodiment of a semen payment system according to the present invention.
Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.
In the straight-line payment system according to the present invention, as shown in FIG. 2, a member having a postpaid transportation card equipped with an electronic chip therein normalizes the amount of use of the
The terminal (3) manages the menu of the flat rate management site to be accessed via the Internet (1) and the member information of the postpaid transportation card (2), which has been contracted at a fixed price for a fixed period of time, through the terminal (3). At the same time, the card company's
The
Here, the subscription amount of the
The electronic chip mounted on the
In addition, the settlement price settlement server (5) classifies the sales receipt information for each member of the postpaid transportation card (2) processed by the card company server (7) to pay the use of the postpaid transportation card (2) on the billing date for each member If you are a member who is a member of the subscription to the postpaid transportation card (2), the flat rate plan to use the deferred transportation card at a fixed rate discounted to the normal rate for the contracted period, the maximum usage amount will be If the excess amount is deducted from the member's earning points and if the amount is insufficient, the card further includes a function for claiming the payment.
In this case, the
Here, the subscription function of the
In addition, the
The
Next, the control method of the present invention having the above configuration will be described.
In the control method of the present invention, as shown in FIG. 3, a member having a postpaid transportation card equipped with an electronic chip therein in the initial state S1 uses his
After the subscription service subscription process (S2), the card company's
After the payment information processing process (S3), the payment settlement server (5) manages the member information subscribed to the subscription of the postpaid transportation card (2) received from the card company's subscription management server (6) of the postpaid transportation card (2). In the case of a member who subscribed to the subscription, if the maximum amount is exceeded, it is deducted from the member's earning points, and if the amount is insufficient, the service includes a subscription service settlement process (S4) that charges the card fee.
And if the subscription member of the postpaid transportation card (2) is subject to automatic termination in the subscription service settlement process (S4), the TM or text message postpaid transportation card that the card company's
In other words, in order to implement the method of the present invention, a member having a
On the other hand, after the subscription process, the user with the
Here, the card company subscription management server (6) is a member terminal of the member of the postpaid transportation card (2) TM or text message to recommend re-subscription by changing the monthly payment if the subscription member of the postpaid transportation card (2) is subject to automatic termination (3) can be shipped.
Therefore, according to the present invention as described above, a contract with the customer through the management site of the Internet to use the traffic card use amount for a contracted period at a fixed rate discounted by a certain rate than the normal rate, and according to the actual use result of the traffic card Accordingly, by making a flat payment, a personalized rate discount using a postpaid transportation card can be executed in a variety of ways, thereby increasing the user satisfaction of the card users by granting new payments to users who use the postpaid transportation card.
1: Internet 2: Postpaid Transportation Card
3: terminal 4: DB
5: payment settlement server 6: card company subscription management server
7: Card company server 8: Transportation company management server
9: means of transportation 10: electronic chip reader terminal
Claims (6)
The terminal manages the menu of the flat rate management site connected through the Internet, manages the member information of the postpaid transportation card, which has been pledged at a fixed price for a fixed period of time, through the terminal, and manages the information of the contracted member. Fixed payment system using a postpaid transportation card configured to include a card company subscription management server to send to the server.
After the subscription service subscription process, the card company's subscription management server puts into the database the member information of the postpaid transportation card contracted at a fixed price for a fixed period of time through the terminal and transmits the information of the contract member to the settlement price settlement server. Processing;
If the payment amount settlement server manages the member information subscribed to the subscription of the postpaid transportation card received from the card company's subscription management server after the processing of the subscription information, and the member is subscribed to the subscription of the postpaid transportation card, the maximum usage amount is exceeded. The control method of a flat payment system using a postpaid transportation card, including a flat fee payment process for deducting from the member's earned points and insufficient amount.
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR20110075803 | 2011-07-29 | ||
KR1020110075803 | 2011-07-29 |
Publications (1)
Publication Number | Publication Date |
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KR20130014294A true KR20130014294A (en) | 2013-02-07 |
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ID=47894573
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
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KR1020110093200A KR20130014294A (en) | 2011-07-29 | 2011-09-16 | Fixed amount settlement system using a deferred payment type traffic card and controlling method therefore |
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KR (1) | KR20130014294A (en) |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR20230000319A (en) * | 2021-06-24 | 2023-01-02 | (주)피디씨 | Contactless traffic fare payment system and method |
-
2011
- 2011-09-16 KR KR1020110093200A patent/KR20130014294A/en not_active Application Discontinuation
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR20230000319A (en) * | 2021-06-24 | 2023-01-02 | (주)피디씨 | Contactless traffic fare payment system and method |
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