KR20230058366A - Prepaid transportation card, prepaid transportation card payment system and its method - Google Patents

Abstract

Disclosed are a prepaid transportation card and a prepaid transportation card payment system and method with improved user convenience.
The present invention has the effect of improving the user's card use convenience by allowing transportation fare payment and general service fee payment to be performed with a single card.

Description

Prepaid transportation card, prepaid transportation card payment system and its method {PREPAID TRANSPORTATION CARD, PREPAID TRANSPORTATION CARD PAYMENT SYSTEM AND ITS METHOD}

The present invention relates to a prepaid transportation card, a prepaid transportation card payment system and a method thereof, and more particularly, to a prepaid transportation card usable in various fields as well as a transportation fee, a prepaid transportation card payment system, and a method thereof.

A prepaid card is a card that allows a customer to pay a certain amount in advance and receive a card on which the amount is recorded and freely purchase small amounts of goods or services at any time within the limit of the balance of the card. It is an electronic credit card that can contain a large amount of information by being installed. It is divided into memory-type smart card, microprocessor built-in smart card, and interactive smart card.

Memory-type smart card is a smart card without a built-in microprocessor, which includes a security device in addition to memory, which is mainly used in fields that can be treated as securities, such as public telephone cards or commodity purchase vouchers, and a type that includes a medical insurance card or passport Likewise, it has a form in which only memory is embedded for pure data storage.

On the other hand, a smart card with a built-in microprocessor is a card that has a built-in microprocessor and memory and can perform functions such as judgment, calculation, and data protection. It is a card that supports two-way information transfer.

In addition, the interactive smart card embeds smart card identification information and charging amount information in a specific memory area of the USIM (Universal Subscriber Identity Module) embedded therein, so that when a user purchases goods or pays for transportation, the user can use a payment method or service. It serves as a means of payment.

Issuance of such a smart card is made through consultation between the mobile communication service provider and the card issuer. The mobile communication service provider allocates the memory area included in the USIM, and the card issuer activates the user to perform prepaid card payment through the USIM. to issue a smart card.

However, in the case of the conventionally invented smart card, it is used as a means of payment for the user's product purchase or transportation fee payment, but one smart card has one IC chip as a configuration, and one IC chip has a payment function capable of purchasing goods. It had two applets as each applet to perform traffic payment and an applet to perform transportation fee payment were embedded. Since data transmission and reception between the applet was not possible, the electronic wallet linked to the applet had to be composed of two as well.

In this configuration, purchase of goods and payment of transportation charges are performed as electronic money stored in each electronic wallet, and electronic money for payment of transportation charges and electronic money for purchase of goods are stored in different electronic wallets, and are managed separately. There was an inconvenience that had to be done.

Similarly, in the case of the invention disclosed in Korean Patent Publication No. 10-2009-0129385, a credit card payment function and a prepaid card payment function can be performed in one smart card, but different payment methods are implemented in one smart card. , Since it is obvious that the electronic wallets related to each payment are implemented differently, the prior art simply uses a plurality of payment methods as a smart card, and thus does not have any advantages in terms of managing the electronic wallet.

Republic of Korea Patent Publication No. 10-2009-0129385 (published on December 16, 2009)

Therefore, the first object of the present invention to solve this problem is to implement one card with one chip, implement two applets on the corresponding chip, and simultaneously transmit and receive data between the two applets, By enabling the electronic wallet linked to one applet to be used in another applet, the electronic wallet of the prepaid transportation card can be used not only for transportation fee payment but also for general service fee payment. is to provide a prepaid transportation card that allows businesses to operate in various aspects by adding various payment methods to one electronic wallet.

And the second object of the present invention is to use the above-mentioned prepaid transportation card to make transportation fare payment and general service fee payment, that is, payment using IC chip, payment using RF communication and beacon, etc. can be performed in one electronic wallet. It is to provide a prepaid transportation card payment system that enables

In addition, the third object of the present invention is to perform transportation fare payment and general service fee payment, that is, payment using IC chip, payment using RF communication and beacon, in one electronic wallet using the above-mentioned prepaid transportation card. It is to provide a prepaid transportation card payment method that enables

In order to achieve the first object, the present invention uses the amount stored in the electronic wallet to pay for transportation fees or general service fees, but distinguishes between transportation fees and general service fees and makes payments in different ways. and a communication unit that transmits/receives data for the transportation fee payment, and provides a prepaid transportation card in which the general service fee means a fee for goods and services rather than a transportation fee.

The IC chip refuses to pay the fare if the transportation fee or general service fee exceeds the amount stored in the electronic wallet, and the transportation fee or general service fee is less than or equal to the amount stored in the electronic wallet. When payment approval for is received, payment can be made by deducting the corresponding amount from the electronic wallet.

The IC chip includes a first applet for payment of traffic fares, a second applet for payment of general service charges, and an integrated interface module for transmitting and receiving data between the first applet and the second applet. The first applet may include an electronic wallet.

In order to achieve the second object, in the prepaid transportation card payment system including the prepaid transportation card, the present invention receives a transportation fare payment request from the prepaid transportation card, checks whether the card is valid, and determines whether the card is valid. Provides a prepaid transportation card payment system including a transportation terminal that approves transportation fare payment and a payment server that receives transportation fare payment details from the transportation terminal and updates a card ledger using the transportation fare payment details.

The prepaid transportation card payment system receives a general service fee payment request from the prepaid transportation card and transmits payment approval details for the general service fee payment request details to the prepaid transportation card, and a general service fee from the distribution terminal A VAN company server that receives payment request details and transmits payment approval details for the general service fee payment request details to the distribution terminal and receives the general service fee payment request details from the VAN company server, and the general service fee An affiliate card company that checks whether the card is affiliated through the card information included in the payment request details, and if it is confirmed that the prepaid transportation card is an affiliate card, transmits the payment approval details for the general service fee payment request details to the VAN company server and a server, wherein the payment server receives payment approval details for general service fee payment request details from the affiliated card company server, and updates a card ledger using the payment approval details for general service fee payment request details. there is.

In order to achieve the third object, the present invention includes the step of sending a fare payment request to a distribution terminal or a transportation terminal by a prepaid transportation card, but when the prepaid transportation card transmits a fare payment request to a transportation terminal, the transportation Receiving a traffic fare payment request from the prepaid transportation card by the terminal, checking whether or not the transportation terminal is valid, approving transportation fare payment by the transportation terminal if the prepaid transportation card is a valid card, payment A prepaid transportation card payment method is provided, which includes receiving, by a server, transportation fare payment details from the transportation terminal, and updating a card ledger by the payment server using the transportation fare payment details.

The prepaid transportation card payment method includes, when the prepaid transportation card transmits a fee payment request to the distribution terminal, the distribution terminal receiving a payment request for general service charges from the prepaid transportation card; Receiving the general service fee payment request, the affiliated card company server receiving the general service fee payment request from the VAN company server, the affiliated card company server through the card information included in the general service fee payment request details Step of confirming whether or not an affiliated card is present, if the affiliated card company server confirms that the prepaid transportation card is an affiliated card, transmitting details of payment approval for the general service fee payment request details to the VAN company server, the VAN company server A step of sending payment approval details for the general service fee payment request details to the distribution terminal, the step of the distribution terminal sending payment approval details for the general service fee payment request details to the prepaid transportation card, payment server Receiving payment approval details for general service fee payment request details from the affiliated card company server, and updating a card ledger by the payment server using the payment approval details for general service fee payment request details can

In the above-described prepaid transportation card, prepaid transportation card payment system and method, one card has one chip, implements two applets on the corresponding chip, and simultaneously transmits and receives data between the two applets. , By enabling the electronic wallet linked to one applet to be used in another applet, the electronic wallet of the prepaid transportation card can be used not only for transportation fee payment but also for general service fee payment. From the business operator's point of view, it is effective to add various payment methods to one electronic wallet to conduct business in various aspects.

In addition, there is an effect of allowing transportation fee payment and general service fee payment, that is, payment using an IC chip and payment using RF communication and beacons to be performed in one electronic wallet.

In addition, only one electronic wallet can be used to pay transportation charges and general service charges. By charging electronic money in one electronic wallet, both transportation charges and general service charges can be paid in one electronic wallet. Thereby, it is possible to improve the user's card use convenience.

1 is a diagram showing a schematic configuration of a prepaid transportation card according to an embodiment of the present invention.
2 is a diagram showing a schematic configuration of an IC chip, which is one component of the present invention.
3 is a diagram showing a schematic configuration of a prepaid transportation card payment system according to an embodiment of the present invention.
4 is a diagram showing a part of a schematic flow of a prepaid transportation card payment method according to an embodiment of the present invention.
5 is a diagram showing a schematic flow of a transportation fee payment in a prepaid transportation card payment method according to an embodiment of the present invention.
6 is a diagram showing a schematic flow for payment of general service charges in a prepaid transportation card payment method according to an embodiment of the present invention.

The terms or words used in this specification and claims are not construed as limited in their ordinary or dictionary meanings, and the inventors are guided by the principle that the concept of terms can be appropriately defined in order to explain the user's invention in the best way. Based on this, it should be interpreted as a meaning and concept consistent with the technical spirit of the present invention.

Throughout the specification, when a certain component is said to "include", it means that it may further include other components without excluding other components unless otherwise stated. In addition, as described in the specification, "... wealth", "… energy", "… Terms such as "unit", "module", and "device" refer to a unit that processes at least one function or operation, and may be implemented as a combination of hardware and/or software.

Terms used in the embodiments of the present invention will be briefly described, and the embodiments will be described in detail.

The terms used in the embodiments of the present invention have been selected from general terms that are currently widely used as much as possible while considering the functions in the present invention, but these may vary depending on the intention or precedent of a person skilled in the art, the emergence of new technologies, etc. . In addition, in a specific case, there is also a term arbitrarily selected by the applicant, and in this case, the meaning will be described in detail in the description of the corresponding embodiment. Therefore, the term used in the present embodiments should be defined based on the meaning of the term and the overall content of the present embodiment, not a simple name of the term.

In an embodiment of the present invention, terms including ordinal numbers such as first and second may be used to describe various components, but the components are not limited by the terms. These terms are only used for the purpose of distinguishing one component from another. For example, a first element may be termed a second element, and similarly, a second element may be termed a first element, without departing from the scope of the present invention. The terms and/or include any combination of a plurality of related recited items or any of a plurality of related recited items.

Also, in the embodiments of the present invention, singular expressions include plural expressions unless the context clearly indicates otherwise.

In addition, in the embodiments of the present invention, terms such as "include" or "have" are intended to designate that there is a feature, number, step, operation, component, part, or combination thereof described in the specification, but one or other features, numbers, steps, operations, components, parts, or combinations thereof, or any combination thereof, is not precluded from being excluded in advance.

Also, in an embodiment of the present invention, a 'module' or 'unit' performs at least one function or operation, and may be implemented as hardware or software, or a combination of hardware and software. In addition, a plurality of 'modules' or a plurality of 'units' may be integrated into at least one module and implemented by at least one processor, except for 'modules' or 'units' that need to be implemented with specific hardware.

In addition, in an embodiment of the present invention, when a part is said to be "connected" to another part, it is not only "directly connected", but also "electrically connected" with another element in between. Including if there is

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

1 is a diagram showing a schematic configuration of a prepaid transportation card, which is one embodiment of the present invention, and FIG. 2 is a diagram showing a schematic configuration of an IC chip, which is one component of the present invention.

1 and 2, the prepaid transportation card 100 may include an IC chip 110 and a communication unit 120, and the IC chip 110 includes a first applet 111 and a second applet 112. ) and an integrated interface module 113, and the first applet 111 may include an electronic wallet 111-1.

In addition, the prepaid transportation card 100 is implemented not only in the form of a simple card, but also as a component inside a device that can transmit data through wired/wireless communication while being carried by a user, such as a mobile phone, smart phone, smart pad, tablet PC, laptop, etc. It can be.

More specifically, the IC chip 110 can pay for transportation fees or general service charges using the amount stored in the electronic wallet 111-1. Payment can be made in this way.

In addition, the communication unit 120 may transmit and receive data for payment of traffic charges. Here, the communication unit 120 is a method for transmitting and receiving data for payment of transportation charges. communication methods are available.

And, throughout the specification, general service charges may mean charges for goods and services other than transportation charges, and may mean charges for goods and services other than transportation charges.

In addition, the IC chip 110 may reject the fare payment when the transportation fee or general service fee exceeds the amount stored in the electronic wallet 111-1, and the transportation fee or general service fee may be transferred to the electronic wallet 111-1. 1) is less than the amount stored in 1), and payment can be made by deducting the corresponding amount from the electronic wallet 111-1 when payment approval for transportation or general service charges is received.

Here, the communication unit 120 may receive payment approval for transportation charges or general service charges. More specifically, the communication unit 120 may receive payment approval for transportation charges from the transportation terminal 200, and the communication unit 120 may receive payment approval for general service charges from the distribution terminal 400.

In addition, if the transportation fee or general service fee exceeds the amount stored in the electronic wallet 111-1, the IC chip 110 may reject the fare payment, and the communication unit 120 may use the transportation terminal 200 or distribution terminal To 400, it is possible to transmit the charge payment rejection.

The first applet 111 may perform transportation fare payment. More specifically, the first applet 111 may perform transportation fare payment using the user's electronic money stored in the electronic wallet 111-1. When the user pays a predetermined amount in advance, electronic money corresponding to the corresponding amount may be stored in the electronic wallet 111-1.

That is, the communication unit 120 may transmit the user's transportation fee payment request to the transportation card terminal, and after the transportation terminal 200 confirms that the prepaid transportation card 100 is a valid card, the transportation fare payment approval details are sent to the communication unit (120) can receive from the traffic terminal (200).

In addition, the first applet 111 may deduct the electronic money stored in the electronic wallet 111-1 in response to the transportation fare payment approval details received by the communication unit 120, and through this, the transportation fare payment may be performed. there is.

The second applet 112 may perform payment for general services, and the unified interface module 113 may transmit/receive data between the first applet 111 and the second applet 112 .

That is, although data transmission/reception between applets is not possible by default, data transmission/reception between the first applet 111 and the second applet 112 may be possible using the unified interface module 113 .

This is because data transmission and reception was impossible due to the different interfaces of applets, but the integrated interface module 113 builds an integrated interface so that each applet can provide the same environment as transmitting and receiving data in the same interface environment. This allows data to be transmitted and received between applets.

Therefore, through the integrated interface module 113, the second applet 112 can use the user's electronic money stored in the electronic wallet 111-1 in order to pay for general service charges, and through this, pay for general service charges. can be performed.

More specifically, the prepaid transportation card 100 may transmit a payment request for general service charges to the distribution terminal 400 . Here, the prepaid transportation card 100 transmits the general service fee payment request can be implemented by sending the payment request through the IC chip 110 or the communication unit 120, and the IC chip 110 and the communication unit 120 ) may be implemented by sending a payment request through a configuration other than that.

That is, it will not be a problem for the prepaid transportation card 100 to send a general service fee payment request to the distribution terminal 400 no matter what configuration it is implemented.

In addition, the prepaid transportation card 100 may receive general service charge payment approval details from the distribution terminal 400, and the second applet 112 responds to the general service charge payment approval details, and the electronic wallet 111-1 Electronic money stored in can be deducted, and through this, transportation fee payment can be performed.

Here, in order to use the electronic wallet 111-1, which may be included in the first applet 111, in the second applet 112 instead of the first applet 111, the integrated interface module 113 is provided. An integrated interface environment should be established so that the interface of the first applet 111 and the interface of the second applet 112 can be implemented identically so that data can be transmitted and received between the first applet 111 and the second applet 112. .

That is, by establishing an integrated interface environment so that the integrated interface module 113 can transmit and receive data in a situation where the interface of the first applet 111 and the interface of the second applet 112 are the same, the second applet 112 The electronic money of the electronic wallet 111-1 included in the first applet 111 will be available.

Accordingly, it is possible to pay transportation fees and general service fees using different applets through one electronic wallet 111-1.

More specifically, when it is impossible to send and receive data even when multiple applets go through one operating system, when paying with a prepaid card in the process of paying for general service charges, when the payment amount is insufficient, the insufficient amount must be paid with a credit card owned by the individual. There was a problem with This is a problem that occurs because a prepaid card electronic wallet and a credit card electronic wallet are different, rather than a plurality of applets performing payment with one electronic wallet.

In addition, when sending and receiving is impossible even if multiple applets are through one operating system, when paying transportation fares with a prepaid transportation card, if the amount is insufficient, use a credit card or check card to compensate for the shortfall. It was the cause of a cumbersome situation in which payment was made with a prepaid transportation card after charging the e-wallet. This is a problem that arises because a prepaid transportation card electronic wallet and a credit or check card electronic wallet are different, rather than a plurality of applets using one electronic wallet to make payments.

Therefore, in order to solve this problem, by establishing the same interface environment so that the integrated interface module 113 can transmit and receive data between different applets, when the amount is charged in one electronic wallet, using the corresponding electronic wallet, A prepaid transportation card for payment of transportation charges and a credit card for payment of general service charges may perform the payment.

That is, in the case of the above problem, by establishing the same interface environment so that the integrated interface module 113 can transmit and receive data between different applets, and by allowing the use of the corresponding electronic wallet when money is charged in one electronic wallet. , can be solved.

In addition, if a certain amount is automatically charged in the electronic wallet for payment of general service charges and transportation charges, or if the amount stored in the electronic wallet is restored to the original state before payment immediately after payment of a certain amount, payment of general service charges and transportation charges In the process, there will be no shortage of payment amount, and you will be able to freely pay general service charges and transportation charges with one electronic wallet.

In addition, in the case of local currency such as Zero Pay, which has been widely used recently, it was necessary to charge the amount in a separate electronic wallet and use it, and there was a difficulty in interlocking with the existing card. Through this, an interface environment capable of transmitting and receiving data between applets is established, which has the effect of enabling various payments to be made with one electronic wallet, making it possible to link with local currencies such as Zero Pay.

In addition, in the case of the present invention, the electronic wallet 111-1 is included in the first applet 111, but the electronic wallet 111-1 is included in the second applet 112 instead of the first applet 111. Even in this case, payment may be performed according to the above configuration.

In addition, the first applet 111 transmits and receives data with the transportation terminal 200 using the RF method or the beacon method, so that transportation fare payment can be performed with the amount stored in the electronic wallet 111-1, and the second applet ( 112) can perform payment for general services with the amount stored in the electronic wallet (111-1) by sending and receiving data with the distribution terminal using the EMV network. It has the effect of freely paying general service charges.

This solves the problem that the prepaid transportation card using the RF or beacon method could not perform payment through the EMV network, and at the same time, it can be made to allow users to conveniently use the RF or beacon method and the EMV network without distinction.

3 is a diagram showing a schematic configuration of a prepaid transportation card payment system according to an embodiment of the present invention.

Referring to FIG. 3, the prepaid transportation card payment system 10 includes a prepaid transportation card 100, a transportation terminal 200, a payment server 300, a distribution terminal 400, a VAN company server 500, and an affiliated card company server. (600).

The transportation terminal 200 may receive a transportation fee payment request from the prepaid transportation card 100, check whether the prepaid transportation card 100 is a valid card, and determine that the prepaid transportation card 100 is a valid card. If confirmed, the transportation terminal 200 may approve the transportation fee payment for the corresponding prepaid transportation card 100.

Here, the traffic fare payment request may include the user's boarding and alighting stop, traffic fare, prepaid transportation card information, and the like.

Here, the transportation terminal 200 may use the BL (Black List) method to check whether the prepaid transportation card 100 is a valid card, and may use the prepaid transportation card information included in the transportation fee payment request.

More specifically, when the transportation terminal 200 determines that the corresponding prepaid transportation card 100 is a valid prepaid transportation card 100 using prepaid transportation card information, the transportation terminal 200 may approve transportation fare payment, and whether the card is valid or not. can be determined by checking whether the prepaid transportation card 100 is an unusable transportation card using the BL method.

In the entire specification, the BL method means to check whether a card is valid by using information about a transportation card that cannot be used. For example, the BL information may include information about a transportation card that has been treated as stolen or lost, or a transportation card with insufficient charging amount, and by checking this, it can be confirmed whether the card is valid.

Here, the prepaid transportation card 100 and the transportation terminal 200 can transmit and receive data in the RF method, and can also transmit and receive data through the Bluetooth method as well as the RF method. does not exist.

In addition, when the transportation terminal 200 approves the transportation fee payment, the transportation terminal 200 may transmit the transportation fare payment approval details to the prepaid transportation card 100, and the transportation fare included in the transportation fare payment approval details In reflection, the prepaid transportation card 100 can deduct the electronic money stored in the electronic wallet 111-1 by the transportation fee.

Here, the transportation fare payment approval details may include information such as the user's boarding stop, alighting stop, and transportation fare.

In addition, the transportation terminal 200 may transmit transportation fare payment details to the payment server 300, and the payment server 300 may update the card ledger using the transportation fare payment details received from the transportation terminal 200. can

Here, the traffic fare payment details may include information such as the user's boarding stop, alighting stop, and traffic fare.

Further, the distribution terminal 400 may receive a general service fee payment request from the prepaid transportation card 100, and the distribution terminal 400 may transmit the general service fee payment request details to the VAN company server 500. Here, the general service charge payment request may include prepaid transportation card information, and the general service charge payment request details may include store information where the distribution terminal 400 is installed, fare information, prepaid transportation card information, and the like.

In addition, the VAN company server 500 may receive general service fee payment request details from the distribution terminal 400 and transmit the general service fee payment request details to the affiliated card company server 600 .

In addition, the affiliated card company server 600 may receive general service fee payment request details from the VAN company server 500, and use the prepaid transportation card information included in the general service fee payment request details to send the corresponding prepaid transportation card 100 It is possible to check whether is an affiliated card.

In addition, as a result of the affiliate card company server 600 checking whether the corresponding prepaid transportation card 100 is an affiliate card using various methods including the BL method, if it is confirmed that the corresponding prepaid transportation card 100 is an affiliate card, the affiliate The card company server 600 may transmit payment approval details for the general service charge payment request details to the VAN company server 500 .

In addition, the affiliated card company server 600 may transmit payment approval details for the general service fee payment request details to the payment server 300, and the payment server 300 may pay the general service fee received from the affiliated card company server 600 The card ledger can be updated using the payment approval details for the request details.

In addition, the VAN company server 500 may transmit the payment approval details for the general service fee payment request details received from the affiliated card company server 600 to the distribution terminal 400, and the distribution terminal 400 may send the VAN company server Payment approval details for general service charge payment request details received from 500 may be transmitted to the prepaid transportation card 100 .

Here, the payment approval details for the general service charge payment request details may include various information including general service charge, and the prepaid transportation card 100 uses electronic money stored in the electronic wallet 111-1 as much as the general service charge. can be deducted

4 is a diagram showing a part of a schematic flow of a prepaid transportation card payment method, which is an embodiment of the present invention, and FIG. FIG. 6 is a diagram showing a schematic flow for payment of general service charges in a prepaid transportation card payment method according to an embodiment of the present invention.

4 to 6, the prepaid transportation card 100 may transmit a fare payment request to the distribution terminal 400 or transportation terminal 200. (S430)

Here, when the prepaid transportation card 100 transmits a fare payment request to the transportation terminal 200, step S531 may be performed, and when the prepaid transportation card 100 transmits a fare payment request to the distribution terminal 400. , Step S631 may be performed. (S431)

When the prepaid transportation card 100 transmits a fare payment request to the transportation terminal 200, the transportation terminal 200 may receive a transportation fare payment request from the prepaid transportation card 100 (S531).

Then, the transportation terminal 200 can check whether the corresponding prepaid transportation card 100 is a valid card (S532).

As a result of the confirmation of the transportation terminal 200, if the corresponding prepaid transportation card 100 is not a valid card, the corresponding process may be terminated, and if the corresponding prepaid transportation card 100 is a valid card, the transportation card terminal may perform transportation fare payment. It can be approved. (S534)

In addition, when the transportation terminal 200 approves the transportation fee payment, the transportation terminal 200 may transmit the transportation fare payment approval details to the prepaid transportation card 100 .

In addition, the prepaid transportation card 100 may deduct the electronic money stored in the electronic wallet 111-1 by the amount of the transportation fare by reflecting the transportation fare included in the transportation fare payment approval details received from the transportation terminal 200.

Here, the transportation fare payment approval details may include information such as the user's boarding stop, alighting stop, and transportation fare.

Also, the payment server 300 may receive traffic fare payment details from the transportation terminal 200 (S535).

In addition, the payment server 300 may update the card ledger by using the transportation fare payment details received from the transportation terminal 200 (S536).

Here, the traffic fare payment details may include information such as the user's boarding stop, alighting stop, and traffic fare.

When the prepaid transportation card 100 transmits a fare payment request to the distribution terminal 400, the distribution terminal 400 may receive a fare payment request from the prepaid transportation card 100 (S631).

In addition, the VAN company server 500 may receive a general service fee payment request from the distribution terminal 400 (S632).

In addition, the affiliated card company server 600 may receive a general service fee payment request from the VAN company server 500 (S633).

In addition, the affiliated card company server 600 may check whether or not the affiliated card is present through the card information included in the general service charge payment request details (S634).

Here, various methods such as a BL method may be used to determine whether or not an affiliated card is present through card information.

In addition, when the affiliated card company server 600 confirms that the prepaid transportation card 100 is an affiliated card, the affiliated card company server 600 transmits payment approval details for general service charge payment request details to the VAN company server 500. It can. (S635)

That is, when the affiliate card company server 600 confirms that the prepaid transportation card 100 is an affiliate card, it can approve the general service fee payment request of the corresponding prepaid transportation card 100, and include it in the general service fee payment request details General service charges of the user of the prepaid transportation card 100 may be paid by checking the general service charges.

In addition, the affiliated card company server 600 may transmit payment approval details for the general service fee payment request details to the payment server 300 .

In addition, the VAN company server 500 may transmit payment approval details for the general service fee payment request details received from the affiliated card company server 600 to the distribution terminal 400 (S636).

In addition, the distribution terminal 400 may transmit the payment approval details for the general service charge payment request details received from the VAN company server 500 to the prepaid transportation card 100 (S637).

In addition, the prepaid transportation card 100 may receive payment approval details for the general service charge payment request details, and the prepaid transportation card 100 may receive general service charges included in the payment approval details for the general service charge payment request details. , and the electronic money stored in the electronic wallet 111-1 of the prepaid transportation card 100 can be deducted by the general service charge using the checked general service charge.

In addition, the payment server 300 may receive payment approval details for general service charge payment request details from the affiliated card company server 600 (S638).

In addition, the payment server 300 may update the card ledger by using the payment approval details for the general service charge payment request details (S639).

As described above, the configuration and operation of the prepaid transportation card, prepaid transportation card payment system and method according to the embodiment of the present invention can be made. It can be practiced without departing from the scope of the invention.

Although the present invention has been described above with limited embodiments and drawings, the present invention is not limited thereto and various modifications and variations are possible by those skilled in the art.

Those skilled in the art related to this embodiment will be able to understand that it can be implemented in a modified form within a range that does not deviate from the essential characteristics of the above description. Therefore, the disclosed methods are to be considered in an illustrative rather than a limiting sense. The scope of the present invention is shown in the claims rather than the foregoing description, and all differences within the equivalent scope will be construed as being included in the present invention.

10: Prepaid transportation card payment system 100: Prepaid transportation card
110: IC chip 111: first applet
111-1: electronic wallet 112: second applet
113: integrated interface module 120: communication unit
200: transportation terminal 300: payment server
400: distribution terminal 500: VAN company server
600: Affiliated card company server

Claims (7)

A transportation fee or general service fee payment is performed using the amount stored in the electronic wallet, but an IC chip separates the transportation fee and general service fee payment and performs payment in different ways; and
a communication unit that transmits/receives data for the transportation fee payment;
Including,
The above general service charge is
A prepaid transportation card that means charges for goods and services other than transportation fares. According to claim 1,
The IC chip
If the transportation fee or general service fee exceeds the amount stored in the electronic wallet, the fare payment is rejected, and the transportation fee or general service fee is less than the amount stored in the electronic wallet, and the payment of the transportation fee or general service fee is approved. When receiving, a prepaid transportation card that performs payment by deducting the corresponding amount from the electronic wallet. According to claim 1,
The IC chip
a first applet that performs the transportation fee payment;
A second applet for performing the payment of the general service charge; and
an integrated interface module for transmitting/receiving data between the first applet and the second applet;
Including,
The first applet is
electronic wallet;
A prepaid transportation card that includes. In the prepaid transportation card payment system including the prepaid transportation card of claim 1,
A transportation terminal that receives a transportation fare payment request from the prepaid transportation card, checks whether the card is valid, and approves transportation fare payment if the card is valid; and
a payment server that receives transportation fare payment details from the transportation terminal and updates a card ledger using the transportation fare payment details;
A prepaid transportation card payment system that includes a. According to claim 4,
a distribution terminal for receiving a general service fee payment request from the prepaid transportation card and transmitting payment approval details for the general service fee payment request details to the prepaid transportation card;
A VAN company server that receives general service charge payment request details from the distribution terminal and transmits payment approval details for the general service charge payment request details to the distribution terminal; And
Receives the general service fee payment request details from the VAN company server, checks whether or not it is an affiliate card through the card information included in the general service fee payment request details, and if it is confirmed that the prepaid transportation card is an affiliate card, general an affiliated card company server that transmits payment approval details for service charge payment request details to the VAN company server;
Including,
The payment server
A prepaid transportation card payment system for receiving payment approval details for general service charge payment request details from the affiliated card company server, and updating a card ledger using the payment approval details for general service charge payment request details. Transmitting a fare payment request from a prepaid transportation card to a distribution terminal or transportation terminal;
Including,
When the prepaid transportation card sends a fare payment request to the transportation terminal,
receiving, by the transportation terminal, a transportation fare payment request from the prepaid transportation card;
Checking whether the transportation terminal has a valid card;
If the prepaid transportation card is a valid card, allowing the transportation terminal to approve transportation fare payment;
Receiving, by a payment server, transportation fare payment details from the transportation terminal; And
updating, by the payment server, a card ledger using the transportation fee payment details;
A prepaid transportation card payment method comprising a. According to claim 6
When the prepaid transportation card sends a fare payment request to the distribution terminal,
receiving, by the distribution terminal, a general service fee payment request from the prepaid transportation card;
receiving, by a VAN company server, a request for payment of the general service fee from the distribution terminal;
receiving, by an affiliated card company server, the general service fee payment request from the VAN company server;
checking, by the affiliated card company server, whether or not the affiliated card is used through card information included in the details of the general service charge payment request;
When the affiliated card company server confirms that the prepaid transportation card is an affiliated card, transmitting payment approval details for the general service fee payment request details to the VAN company server;
transmitting, by the VAN company server, payment approval details for the general service fee payment request details to the distribution terminal;
transmitting, by the distribution terminal, payment approval details for the general service fee payment request details to the prepaid transportation card;
receiving, by a payment server, payment approval details for general service charge payment request details from the affiliated card company server; and
updating, by the payment server, a card ledger by using payment approval details for the general service charge payment request details;
A prepaid transportation card payment method comprising a.

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