KR100727070B1 - The automatic filling method of the cyber international calling card by using cyber account, and the system for the same - Google Patents

Abstract

The present invention provides a method and system for automatically recharging an international calling card using a virtual account, in which a virtual account is immediately charged and a virtual international calling card is charged immediately when the money is required for international calls to a virtual account. It is about.

The method of the present invention, the virtual account management server 10 operated by the virtual account management server operator (100) requesting each bank to create a plurality of virtual accounts connected to the mother account for each bank managed by the international telephone provider and ; Transmitting a plurality of virtual accounts generated for each bank connected to the bank joint computer network 20 to the virtual account management server 10 through the bank joint computer network 20; Transmitting a plurality of virtual accounts that have been transmitted to the virtual account management server 10 to an automatic charging server 30 operated by an international telephone operator (300); The virtual account generation process comprising the step (400) of connecting the plurality of virtual accounts and the plurality of international calling card numbers in a one-to-one correspondence and storing in the automatic charging server 30: an international calling card on-line Upon purchase, step 500 of receiving one of the virtual accounts stored in the automatic charging server 30 and the corresponding international calling card number; Depositing 600 into the virtual account of the bank through the bank joint computer network 20; A step 700 of transmitting the bank transaction information to the virtual account management server 10 through the bank joint transmission network 20; The transaction information is stored in the database of the virtual account management server 10 and simultaneously transmitted to the automatic charging server 30; An automatic charge of the card connected to the corresponding virtual account to the automatic charging server 30 by the amount of the deposit (900) by the received transaction information, and the virtual account management server 10; A bank joint computer network 20; An automatic charging server 30; It is implemented by a system consisting of an international telephone exchange 10 and the like.

The invention of the present invention can be used irrespective of domestic and foreign people, can be immediately used to transfer money, there is an advantage that can reduce the fixed cost of the international telephone business.

Virtual account, calling card, automatic charging, international call

Description

The automatic filling method of the cyber international calling card by using cyber account, and the system for the same}

1 is a block diagram of a conventional offline international calling card system.

2 is a block diagram of a conventional online international calling card system.

3 is a flowchart illustrating a process of generating a virtual account in the method of the present invention.

Figure 4 shows the process of automatically charging the international calling card of the present invention,

  (A) is a flowchart for recharging the first international calling card.

  (B) is a flow chart of recharging a previously purchased international calling card.

Figure 5 is a schematic diagram of an embodiment of the present invention system.

6 is an internal configuration diagram of an embodiment virtual account management server

        ((Explanation of symbols for main part of drawing))

     10. Virtual Account Management Server 11. Virtual Account Management Module

     12. Financial Transactions Module 13. Virtual Account Database

     20. Bank joint computer network 30. Automatic recharge server

     40. International telephone exchange

The present invention relates to a method for automatically charging an international calling card using a virtual account and a system thereof, and more particularly, after purchasing a virtual international calling card having only a card number and a virtual account on the Internet such as the Internet. When a deposit is made through a virtual account, the international calling card corresponding to the virtual account is charged in real time, so that the international calling card can be used immediately with almost no delay time for depositing the call charge and at the same time. The present invention relates to an international calling card automatic charging method and a system for implementing the same.

Today, telephone is the most basic information and communication means indispensable in daily life, and there are few households without wired telephone, and mobile phone, which is a wireless telephone, is rapidly spread by information and communication technology which has made remarkable progress with the development of science and technology. As a result, there are few families who do not have a mobile phone, and free communication is possible at all times without any restrictions such as time and place.

However, as mentioned above, the telephone, which is the most basic living tool of today, must be paid for the call, and all phones must have the owner who is the payer and become the owner. In order to be an adult, you must have certain information about your personal information, such as your social security number, address, and gender.

Therefore, basically, in order to own a telephone, you must be an adult who is a Korean, and if you are a foreigner, especially if you are a foreigner who stays temporarily for a short time, you cannot own a telephone. There is bound to be a limitation, which may result in a situation where the most basic rights are violated.

Of course, temporary foreigners can make free international calls by inserting enough coins at a time using a public phone or by continuously inserting coins while making a call. You can't carry it around, and even if you know when it's time, it's not that it's easy to make money with coins.

Therefore, in order to alleviate the above inconvenience, a real international calling card (hereinafter referred to as an "offline card") that can be purchased directly at a store, and a virtual international calling card which can be purchased online and not a real thing (hereinafter referred to as "offline card") "Online cards" have been developed, such as the following.

The offline card, as shown in FIG. 1, is purchased directly from the card sales outlet, and the amount is determined in advance and a unique card number is assigned. It is operated by the international telephone service provider and stored in the database of the charge management server that exchanges data with the international telephone connector in real time.

International calls using the offline card as described above, the step of entering the card number before the call connection, the international telephone exchange checks the amount available on the charge management server, and if there is a balance, the step of connecting the call When the call is made, the call charge according to the time is transferred from the international telephone exchange to the charge management server so that the call charge is automatically updated in a manner that the call charge is reduced in real time from the available call amount stored in the database. do.

The offline card which is out of call charges cannot be reused through the above international call process. In order to make an international call again, the user must visit a dealer and purchase a new offline card having a unique number.

That is, since the offline card has to be purchased and used as a new card with a different unique number after the call charge is exhausted, it is inconvenient to memorize or record the card number every time the card is changed.

The inconvenience of the above is the online card, as shown in Figure 2, when you purchase the online card through the Internet, etc. is given a unique number for the online card, the card number and the amount that can be called online This information is then stored in an automatic recharging server and then provided to the international telephone exchange.

The international call using the online card is also made in the same way as the international call, but the method of recharging the online card that is depleted of the call amount is made in a different way from the offline card. .

If the amount of money that was charged on the online card is used up or insufficient for the next call, first deposit the desired amount of recharge into the account of the international telephone company through the bank and then provide the operator with the identity, amount and card number. Notify.

When the deposit and notification procedure is performed, the international telephone service provider checks the deposit amount and updates the information on the online card by inputting a new charge amount for the card into the database of the automatic recharge server. After charging, the user is notified of the completion of the charging through a wired / wireless phone or the like, and the user uses the online card after confirming directly with an international telephone provider.

That is, in the charging process of the online card as described above, the depositor and the deposit amount, including the depositor and the amount of the deposit should be notified to the operator, and after the operator checks and recharges the charge, the deposit for recharging the card There is a problem such that the waiting time from completion to the point of use becomes long, as well as an error may occur due to an incorrect transfer of deposit information in a call process.

In addition, in the case of international telephone companies, dedicated personnel for deposit confirmation, recharge, notification, etc. must be arranged, so that fixed costs are increased in carrying out international telephone business, and it may be impossible to charge when there is a holiday. In some cases, you may not be able to make international calls.

The present invention was devised to solve various problems related to the charging process of a conventional international calling card, in particular, an online card. The charging process after depositing a charge for an international calling card is performed without human intervention. By making it available online in real time, the delay time for charging international calling card can be prevented, so you can use the international calling card immediately after the deposit, and transfer information by direct call between the international calling card customer and the international calling operator. The present invention provides an automatic charging method of an international calling card that can be charged at any time regardless of a non-working day, and a system as a means for performing the same, which does not cause a deposit information transmission error that may occur unavoidably in the process. There is a purpose.

The above object of the present invention is achieved by a virtual account management server and an automatic charging server that exchanges information in real time.

The automatic charging method of an international calling card using a virtual account of the present invention has an international calling card but needs to be recharged due to a lack of available calling balance, or when purchasing an appropriate amount for an international call after purchasing an international calling card for the first time, The process is performed in real time immediately after depositing as much as the customer wants, and the international calling card can be used immediately after charging, preventing the occurrence of the delay of using the international calling card for charging and checking. The present invention relates to a charging method of an international calling card to make it possible.

As described above, the method of the present invention so that the charging process is performed in real time immediately after the payment for the charge, which is implemented by the organic online interworking of the virtual account management server, automatic charging server, bank joint computer network and international telephone exchange Bar, look at each of them as follows.

The virtual account management server is managed by a virtual account management server company. The virtual account management server generates a plurality of virtual accounts that are connected to a mother account of each bank owned by the international phone company at the request of an automatic charging server managed by the international phone company. Through the common computer network, it is requested by each bank, and receives a plurality of virtual accounts generated by each bank from the bank common computer network and transmits them to the automatic charging server managed by the international calling card provider.

In addition, after receiving the transaction details deposited to each virtual account through the bank from the bank joint computer network, and also performs the role of transmitting the transaction details for each virtual account to the next automatic charging server in real time.

The automatic charging server stores the plurality of virtual accounts transmitted from the virtual account management server in a one-to-one correspondence with a plurality of international calling card numbers generated and stored therein, and then makes an international call through the homepage of an international telephone company. Inform the card purchaser of the international calling card number and the corresponding virtual account.

In addition, after receiving the details of the deposit by the international calling card customer through the virtual account from the virtual account management server in real time and automatically charges as much as the wage amount for the international calling card having a number corresponding to 1: 1 with each virtual account for which the bank transaction was made. After doing this, save it.

In addition, it receives the use time or use amount from the international telephone exchange in real time and updates and stores it in the final available amount of money subtracted from the available amount of money.

That is, the automatic recharging server receives the payment amount through the virtual account from the virtual account management server and the international telephone exchange, that is, the information about the amount to be charged and the amount used, in real time to calculate and store the amount of money that can be made internationally. If the filling liquid is insufficient, it serves to prevent the connection of the international telephone exchange.

The bank joint computer network transmits a plurality of virtual accounts generated to be connected to a mother account of an international telephone operator opened in each bank at the request of the virtual account management server, and transfers the transaction details deposited to each virtual account to the virtual account management server. It plays a role.

At this time, the transfer through the virtual account, all means available, such as bank deposit, deposit using ATM (Automated Teller Machine), credit card deposit, phone banking, Internet banking can be mobilized, and the deposit through the bank is completed Immediately, all the transaction information for the virtual account and the deposit amount is transmitted to the automatic charging server through the virtual account management server.

When the international calling card customer enters the card number when the international calling card customer makes an international call, the international telephone exchange checks the available amount for the input card number from the database of the automatic charging server, and then determines whether the international calling is possible. The amount of charge for each card in the automatic recharge server along with the international call can be sent by real-time transmission of the usage time or the amount of money when making an international call to the automatic recharging server while making a call or notifying the user that the charge is insufficient. It plays the role of making it update in real time.

In order to implement the method of the present invention, it is also preferable to integrate the virtual account management server and the automatic charging server into one system among the devices or systems configured as described above.

In other words, after creating a plurality of virtual accounts linked to the mother account of the international calling provider to each bank, the received virtual accounts and the plurality of international calling card numbers are stored in a one-to-one correspondence and stored to the international calling card customer. It informs the number and the corresponding virtual account, recharges the international calling card with the card number corresponding to the virtual account where the transaction is made based on the transaction information received through the bank co-network, and makes an international call based on the callable amount set for each card number. It is possible to determine whether a telephone call is possible, and collects call information transmitted from an international telephone exchange and updates a callable amount for each card number to a final value. Can be integrated into

By using the system as described above, the charging of the international calling card purchased through the Internet can be made in real time, the details of the object and the technical effects of the present invention, including the object and the technical configuration of the present invention according to the preferred embodiment of the present invention It will be clearly understood by the following description with reference to the drawings showing examples.

3 and 4 illustrate a flow diagram of an embodiment of the method of the present invention, and FIG. 5 shows a schematic diagram of an embodiment system for implementing the method of the present invention.

As shown, the method for automatically charging the international calling card using the virtual account of the present invention is classified into a process of generating a plurality of virtual accounts and an automatic charging process, and the automatic charging process may consider two cases. One is to use an international calling card after first purchase, and the other is to recharge an already purchased international calling card.

First, the process of generating a plurality of virtual accounts, as shown in Figure 3, the virtual account management server 10, the request of the automatic charging server, a plurality of virtual accounts connected to the bank account of the international telephone company's bank Requesting account creation to each bank (100) through a bank co-operational network (20);

Transmitting a plurality of virtual accounts generated in each bank to the virtual account management server 10 through the bank common computer network 20;

Transmitting a plurality of virtual accounts that have been transmitted to the virtual account management server 10 to the automatic charging server 30;

In the automatic charging server 30, a plurality of virtual accounts transmitted from the virtual account management server 10 and a plurality of international calling card numbers in a one-to-one correspondence and store (400) and the like.

Through the above-described process, the automatic charging server 30 stores a plurality of international calling card information in which each international calling card number and each virtual account are combined in a 1: 1 manner. As shown in 4 (a), any of the international calling cards purchased through an internet homepage such as an international calling service provider or an international calling card seller authorized by the business operator and stored in the automatic recharging server 30 are stored. Receiving a virtual account / international calling card number 500;

Depositing the virtual account through a bank (600);

A step 700 of transmitting the transaction information such as the virtual account and the deposit amount to the virtual account management server 10 through the bank joint transmission network 20;

The transaction information is stored in the database of the virtual account management server 10 and simultaneously transmitted to the automatic charging server 30;

The automatic charging server 30 is charged with the international calling card purchased by the user through a series of sequential processes, such as the step 900 of automatically charging the card connected to the virtual account by the amount of the deposit according to the received transaction information. .

As described above, when using the international call after the real-time automatic charging is completed, the following sequential charges are updated.

That is, when an international calling card purchaser enters a card number in order to make an international call, the international telephone exchange 40 checks the callable amount of the corresponding card number, that is, the charged amount, on the automatic recharging server 30. After the request, if the amount of money available for the call is notified that the amount is insufficient, and if the amount is sufficient, the time and amount according to the call time are connected to the automatic charging server 30 while connecting the call.

As described above, when the usage amount is transferred from the international telephone exchange 40 to the automatic charging server 30 in real time, the charging amount stored in the database of the automatic charging server 30 is automatically updated by this information, and the next call request is made. Will wait.

And, in the case of recharging the purchased international calling card, as shown in (b) of FIG. 4, the depositing step 600 through the virtual account which is the second step of the first purchase and charge of the international calling card The subsequent steps are carried out in the same way as when purchasing and using an international calling card.

The method of the present invention made through a series of sequential steps as described above, as shown in Figure 5, after the request to the bank to create a virtual account connected to the mother account owned by the international telephone service provider to the received virtual account A virtual account management server 10 which transmits to the automatic charging server 30 and receives the deposit details through the virtual account from the bank joint computer network 20 and relays the automatic charging server 30 to the automatic charging server 30;

Generate a plurality of virtual accounts at the request of the virtual account management server 10 and transmit them to the virtual account management server 10, and transmits the deposit details through each virtual account to the virtual account management server 10 A bank joint computer network 20;

After receiving a plurality of virtual accounts from the virtual account management server 10, and stores a plurality of virtual accounts and a plurality of international calling card numbers generated by the corresponding one-to-one to the customer to purchase an international calling card It informs the international calling card number and the virtual account connected thereto, charges the international calling card with the card number corresponding to each virtual account according to the deposit amount for each virtual account transmitted from the virtual account management server 10, and the international telephone exchange The latest balance obtained by subtracting information on the balance of the card from the card number transmitted at 40 to the international telephone exchange 40 and subtracting the call charges transmitted from the international telephone exchange 40 from the balance of the card. An automatic charging server 30 for storing information;

When the international calling card number of the international calling card customer is connected to the phone, it is sent to the automatic recharging server 30 to check the balance of the corresponding card and to determine whether to connect the call, and automatically charges the call charge when the call is connected. It is implemented in real time by a system composed of an international telephone exchange 40 to transmit to the server (30).

In addition, the virtual account management server 10, which can be said to be the most important component in the system of the present invention, as shown in FIG. 6, the virtual account management module 11, the financial transaction brokerage module 12, and the virtual account. Database 13 and the like.

As described above, it can be used regardless of domestic and foreign people, and it can be used immediately after depositing, and it is essential for international phone business as well as preventing loss of opportunity cost due to notification of deposit details, confirmation and manual recharge. The management cost has been greatly reduced.

Claims (4)

What is claimed is: 1. A method of charging a callable amount in an international calling card by depositing a callable amount into a bank for a virtual international calling card purchased online first, Requesting, by the bank, a virtual account management server 10 operated by a virtual account management server operator to generate a plurality of virtual accounts connected to a mother account for each bank managed by an international telephone operator (100); Transmitting a plurality of virtual accounts generated for each bank connected to the bank joint computer network 20 to the virtual account management server 10 through the bank joint computer network 20; Transmitting a plurality of virtual accounts that have been transmitted to the virtual account management server 10 to an automatic charging server 30 operated by an international telephone operator (300); The virtual account generation process comprising the step (400) of connecting the plurality of virtual accounts and the plurality of international calling card numbers in a 1: 1 connection to the automatic charging server 30 and: Purchasing an international calling card on-line, receiving a virtual account stored in the automatic charging server 30 and an international calling card number corresponding thereto (500); Depositing 600 into the virtual account of the bank through the bank joint computer network 20; A step 700 of transmitting the bank transaction information to the virtual account management server 10 through the bank joint transmission network 20; The transaction information is stored in the database of the virtual account management server 10 and simultaneously transmitted to the automatic charging server 30; International call using a virtual account, characterized in that consisting of an automatic charging process comprising the step of automatically charging the amount of money charged to the automatic charging server 30 for the card connected to the corresponding virtual account by the transaction information (900) How to charge your card automatically. What is claimed is: 1. A method of charging a callable amount in an international calling card by depositing a callable amount into a bank for a virtual international calling card purchased online first, Requesting, by the bank, a virtual account management server 10 operated by a virtual account management server operator to generate a plurality of virtual accounts connected to a mother account for each bank managed by an international telephone operator (100); Transmitting a plurality of virtual accounts generated for each bank connected to the bank joint computer network 20 to the virtual account management server 10 through the bank joint computer network 20; Transmitting a plurality of virtual accounts that have been transmitted to the virtual account management server 10 to an automatic charging server 30 operated by an international telephone operator (300); The virtual account generation process comprising the step (400) of connecting the plurality of virtual accounts and the plurality of international calling card numbers in a 1: 1 connection to the automatic charging server 30 and: Depositing (600) the virtual account of the corresponding bank through the bank joint computer network 20; A step 700 of transmitting the bank transaction information to the virtual account management server 10 through the bank joint transmission network 20; The transaction information is stored in the database of the virtual account management server 10 and simultaneously transmitted to the automatic charging server 30; The automatic charging server 30 is configured as an automatic charging process including a step (900) of automatically charging as much as the deposit amount to the automatic charging server 30 for the card connected to the virtual account by the received transaction information. International calling card automatic charging method using a virtual account. In the system for recharging money available to the international calling card by prepaying the money available to the bank for the international calling card purchased online, As operated by the virtual account management server operator, the bank requests the bank to create a virtual account connected to the mother account of the international telephone company through the bank co-operational network 20, and transmits the received virtual account to the automatic charging server 30. And a virtual account management server 10 which receives the deposit details through the virtual account from the bank co-operation computer network 20 and relays the charges to the automatic charging server 30; Generate a plurality of virtual accounts at the request of the virtual account management server 10 and transmit them to the virtual account management server 10, and transmits the deposit details through each virtual account to the virtual account management server 10 A bank joint computer network 20; After receiving a plurality of virtual accounts from the virtual account management server 10, and stores a plurality of virtual accounts and a plurality of international calling card numbers generated by the corresponding one-to-one to the customer to purchase an international calling card It informs one international calling card number and one virtual account connected thereto, and charges an international calling card having a card number corresponding to each virtual account according to the deposit amount for each virtual account transmitted from the virtual account management server 10. In addition, the information about the balance of the card from the card number transmitted from the international telephone exchange 40 is transmitted to the international telephone exchange 40, and the call charges transmitted from the international telephone exchange 40 are the balance of the corresponding card. Automatic recharge server 30 for storing the latest balance information subtracted from the; When the international calling card number of the international calling card customer is input, it is sent to the automatic charging server 30 to check the balance of the card, and then to determine whether to connect the call, the automatic charge server 30 to charge the call at the time of connection International calling card automatic charging system using a virtual account, characterized in that it comprises an international telephone exchange 40 to transmit to. [4] The system of claim 3, wherein the virtual account management server (10) and the automatic charging server (30) are integrated into one server.

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