KR101022622B1 - A method and the system distinguishing whether or not to use electronic money card advance or deferred payment - Google Patents

Abstract

The present invention relates to a method for screening by shortening the response time of the system operation by configuring only the unavailable card or usable card information in the use of prepaid or postpaid transportation card, and the card that cannot be used is a card code ("0"). If more than "), the index is constructed based on the information available only on the card, or if the card code (" 1 ") is less than the available card, the card cannot be used (typically the latter according to the latter). ) Consists of an index section, each file consists of a plurality of sections, each section consists of a plurality of blocks, and each block is divided into a size of a plurality of cell units. The process of organizing data into areas of lower proportion of information (not available) Do card ratio is composed only of non-use card when the low index portion and the configuration data, or parts of the connection cards with only a low rate connection card index portion and a data portion); In the process of configuring the index unit and the data unit, when the unusable card ratio is low (usually most of the cases), only the unusable data is selected based on an alias number or a card number assigned to each card to form a data unit. process; Determining whether information is stored in an unusable information area in the system when the card user uses the card; And determining whether to use a card according to the storage information constituting the data unit.

Electronic money, Transportation card, E-money, T-money

Description

A method and the system distinguishing whether or not to use electronic money card advance or deferred payment}

The present invention provides a method for authenticating the use of a transit card for quick and easy in constructing a system for approving the transaction of a prepaid or postpaid card that can respond to electronic money as a means of paying a small amount in an on-offline environment. It's about the system.

As the world becomes more global and e-commerce becomes active, the environment of commerce is becoming more complex as the CALS (Commerce at Lightning Speed) and e-business environment are being built. Business to Business (EDI: ELECTRONIC DATA INTERCHANGE, Supply Chain Management (SCM), eMarketplace, eProcurement, B2G), Business to Consumer (B2C, C2B, C2C) New concept systems such as ERP and Groupware have emerged, and the breadth of transactions between them has become a globalization of domestic e-commerce. It is issued for various purposes in the reality that cards, cyber cash, first virtual), network type (e-cash type, E cash) and all embroidery types (Net Check, Net Bill) are appearing. This rapid update the availability of electronic money that is how to provide is needed.

[Document 1] KR, 10-0694803 (card transaction approval system using memory address and method), 2007, March 3, 2007, p. 1, p. 3, p. 16 (Fig. 9, 10a, 10b, 10c)

[Ref. 2] Ahn, Myung-Han Han, Han-am Ahn, Korea, Business Review, 1982, pp. 102-128

The problem to be solved by the present invention is a method and system for providing the use of each card by constructing only the data configured according to the amount of non-payable cards or possible cards among prepaid or postpaid cards issued according to the payment method. To build it.

In the present invention, the prepaid transportation card issued for the purpose of electronic money (children, students, adults not allowed) or post-paid transportation card use only the information about the low rate of the card consists of a plurality of files and each of the above files Is composed of a plurality of sections, and each section is composed of a plurality of blocks, and each block is composed of an index portion formed by dividing the size into a plurality of cell units and information occupying a lower ratio among unusable or usable card information. Configuring an area of a data unit to be performed; Forming a data unit by selecting only unusable data based on an alias number or a card number assigned to each card; Determining whether information is stored in an unusable information area in the system when the card user uses the card; And determining whether to use a card according to the storage information constituting the data unit.

Hereinafter, a method through a card authorization transaction presented as an embodiment and a means for solving the problem will be described in detail with reference to the accompanying drawings.

Considering the scalability of the file size is an important factor to consider when constructing a file, and it is most desirable to design the file size at a peak point where the system efficiency can be maximized. If you do not anticipate the amount of processed data and only design with convenience in mind, there is a possibility of uneconomic factors. That is, the degree of updating (adding and deleting) information constituting the file, the size of the file, the method of using the data, the time of data generation and processing, and the like should be considered. In addition, it is desirable to configure only the most essential information among the entire files in the data use method in the process of approving the card, and that the elements such as Seek Time, Read / Write Time, and Data Transfer Time, which are the components of the data access time, are the most efficient. Do.

In the card transaction system according to the embodiment of the present invention, a user's ability to manage after a unique number assigned when each card is issued and an alias number assigned to each card is already assigned to facilitate transaction approval in the process of each card being traded. According to the prepaid card in accordance with the minimum amount that can be used as a deposit amount in the card account, if less than the minimum amount of use code and redeemable code if more than the minimum amount of use, in the present invention in the case of prepaid transportation card file configuration Since the data that can not use the card is smaller than the card that can use the card, it is desirable to process the transaction approval information by securing the data that cannot be used. Prepaid transit cards can be children, students, or adults, but they only have data for children, students, and not available, making it very easy to see if a transaction has been approved.

The transit card transaction approval system of the present invention selects only data that is not transaction approved in the storage device for the purpose of maximizing access time, and then constitutes a plurality of files. An index unit configured to divide each block into sizes of a plurality of cell units; And a data unit consisting of bits indicating an indication of whether the transaction is not available or not, and managing only the fluctuating information in the entire card information to determine whether to use the card and update the data as necessary (additional, Method and system are preferred.

In an embodiment of the present invention, the size of each file is most preferably configured as a block size for reading and writing, which is a performance of a using system, and is determined according to the performance of the using system, and the number of files is variable. The section information constituting each file is composed of a plurality of blocks, and each block is composed of a plurality of cells. In the case of a typical computer system, the minimum unit is a bit but the size of each cell is usually processed in a byte unit. Most preferably, it consists of 8 bits.

More specifically, in the present invention, the card information is stored as a minimum unit of storage, that is, a concept introduced in order to minimize the number of shift operations in the database when inserting / deleting a single card data. Information is managed in units of, and depending on the size of the cell, i.e. the size of the cell increases, the operation speeds up and the capacity efficiency decreases while the size of the cell decreases, the operation speed slows, but the capacity efficiency decreases. This has the effect of increasing. In order to facilitate data management in the next step of a cell, a unit for grouping and managing a certain number of cells is called a block, and the block concept has information for quickly calculating a desired cell address when inserting / deleting / looking up a database. To provide. As a minimum unit for operations such as insert / delete / query of a database, a certain number of blocks are bundled and managed, so when the number of blocks managed at a time is large, the number of cells to be shifted during insert / delete operations is large. Therefore, the concept was introduced to minimize this. The purpose of the introduction is to increase the size of the section, the capacity of the index portion of the file is smaller, but the operation speed is slow, while the size of the section is smaller, the file index portion is larger, but the operation speed is faster. Since it can obtain, it is the method introduced by the method of this invention. In addition, the file, which is the highest concept of the present invention, is a minimum unit for storing database information in a storage medium (HDD, Flash memory, etc.), and since a certain number of sections are bundled and managed, this also changes the capacity of the database upon insertion / deletion. The purpose is to make the adaptability of the utilization as flexible as possible, and as the file size increases, the contents of a large file need to be changed even by modifying the minority card information. When modifying information, it is necessary to access a large number of files, so the operation speed is slowed down, and when the storage medium is a flash memory, the life of the media may be affected. It is noted that the work is desirable and the procedure can be very simple.

However, in the case of the patent (10-0694803) similar to the present invention, a fixed table for dividing a memory area into blocks to authenticate whether to use a card transaction approval and then storing flag information corresponding to the card number corresponding to the whole card (Fig. 1) and a change table (Fig. 2) for storing data on the card number whose flag information is changed when data on the card number and flag information stored in the fixed table is changed; The card transaction system of the similar patent may include: a fixed data storage unit for dividing a memory area into block units and storing flag information corresponding to the card number sequentially in each block according to the card number; And a change data storage unit for temporarily storing the changed data when data on the card number and flag information stored in the fixed table is changed, and fixing the data in units of blocks based on the data stored in the change data storage unit. It is comprised by the method of updating the data of a data storage part. In a method of determining whether to use a card according to an embodiment of the similar patent, the memory area is divided into blocks and then a fixed table for storing flag information corresponding to each card number and a card number and flag information stored in the fixed table. Providing a change table for storing data for a card number whose flag information has been changed when the data for the data has changed; Reading a card number of the card when there is a request for use by the card; Checking whether there is data for the card number in the variation table; Determining whether a card is used according to flag information in the variation table, if not, checking data of the fixed table; And reading flag information of the card number from the fixed table and determining whether to use a card accordingly. In addition, in the case of the similar patent (10-0694803), the download process of the positive list and the yellow list is absolutely necessary in the terminal of the transportation field, and the valid period of the positive list is updated every day.

However, in the case of the present invention, since the available (positive list) card has been approved in advance, there is no need to reside in the traffic terminal, and only the necessary data is stored sequentially in the cell unit because only the non-tradeable information data is secured. By dividing the file into an index part and a data part, and forming the non-contiguous structure in units of cells, blocks, and sections, the card information necessary for storing is more than a method in which the capacity is increased in accordance with the total number of issued cards in a similar patent. The capacity is better when the bay is selectively applied to the traffic terminal. In addition, similar patents are stored sequentially to correspond to the alias number, so that the address of the card information can be calculated using only the alias number, so that deletion and insertion are unnecessary, and only modification is required. When the ratio is lower than the number, the method of the present invention is preferable to the above similar patent.

As described above, the electronic money issued according to the present invention can be applied to the payment system in the internet commerce in the online state in a way that can promptly respond to the approval when the electronic money is traded in the on / offline integrated environment system. In particular, it can be applied to pay for transportation fees such as buses, taxis, subways, etc., and it can be applied to payment systems that can make small payments of less than 1,000 won, such as convenience stores, vending machines, PC rooms, etc. It is expected to be usefully used without changing hardware in an environment composed of a low performance system and a low memory structure.

As a result of examining the update processing capability, which is the most important factor for the implementation of the present invention, in order to support the approval of a general existing postpaid transportation card, storing a postpaid card data in a blacklist storage method in a terminal To do this, a minimum of 4 bytes are required for the alias number and 1 byte for distinguishing the target person (children, students, and adults). Therefore, to store 2 million pieces of blacklist card data, a capacity of about 10MByte is required, and the search speed is slow because it is classified into a card number for retrieval of the blacklist card number, stored in a traffic card terminal, and searched by a binary search method. The capacity for storing data in the current traffic card terminal is 256 MB. Since the postpaid transportation card requires at least 5 bytes per card to store a black list such as the card number of the ledger, the card can be stored in the traffic card terminal. The quantity can be stored when you want to process about 40 million copies, but it has the worst drawback that it takes a lot of time to update.

In addition, in the case of the method of storing the positive list and the yellow list (black list) in the method of operating the non-rechargeable electronic money system, the serial number (E-transport card number) unique to the non-charged electronic money card is first used. This number is uniquely assigned to each card starting from 1, and it is impossible to have a card with the same number. In a similar patent invention, a memory area corresponding to an E-transport card number given to a non-charged electronic money card is determined by constructing a memory area of a traffic card terminal as a bitmap. The memory capacity of 256 MB is determined by determining the positive and black data according to the logic state of the bit. When processing one positive and black data (flag) with one bit, about 43 million pieces can be compressed, and about 21.5 million non-filled electronic money card data can be compressed when processing two bits. It is recognized that there is an advantage that the search speed is extremely high because the positive and black flags are determined by directly reading the bit data of the position allocated to the memory corresponding to the Alias No. by reading the Alias No. of the card. According to the specific method, when the black data is considered statistically 5%, only 2.15 million of the 43 million people are managed, and the required memory also takes about 1.39 MB when the flag information is calculated as 1 bit, and it is calculated as 2 bits. It takes 1.75 MB, which can be compared with similar patents processed under various conditions (Fig. 4) in terms of processing speed and space requirements. In required capacity according to the method of the present invention it can be seen that show a very good results so.

1 is a fixed table structure of a similar patent 10-0694803 (card transaction approval system and method using a memory address)

2 is a variation table structure of a similar patent 10-0694803 (card transaction approval system and method using a memory address)

3 is a table structure diagram of the present invention

Figure 4 is a comparative chart of the required capacity according to the embodiment of the present invention and similar patents

Claims (2)

In the use of prepaid or postpaid transportation card, it is possible to shorten the response time of system operation by configuring only the disabled card or usable card information, and the system. The disabled card is more than the available card code ("0"). In many cases, the index is constructed based on the information available only on the card, or when the card code ("1") is less than the card available, the card cannot be used (usually based on the latter). Index section, each file is composed of a plurality of sections, each section is composed of a plurality of blocks, each block is divided into the size of a plurality of cell units of the index section and the lower of the unusable or available card information Organizing the data portion into an area of information; The process of selecting data that is not available based on the alias number or card number assigned to each card to form a data part (when the unusable card rate is low, when the index part and data part are composed of the unusable card only or the available card rate is low) Constitutes an index portion and a data portion only with the available cards); Determining whether information is stored in an unusable information area in the system when the card user uses the card; And determining whether to use a card according to the storage information constituting the data unit. In the use of prepaid or postpaid transportation card, it is possible to shorten the response time of system operation by configuring only the disabled card or usable card information, and the system. The disabled card is more than the available card code ("0"). In many cases, the index is constructed based on the information available only on the card, or when the card code ("1") is less than the card available, the card cannot be used (usually based on the latter). Index section, each file is composed of a plurality of sections, each section is composed of a plurality of blocks, each block is divided into the size of a plurality of cell units of the index section and the lower of the unusable or available card information Organizing the data portion into an area of information; The process of selecting data that is not available based on the alias number or card number assigned to each card to form a data part (when the unusable card rate is low, when the index part and data part are composed of the unusable card only or the available card rate is low) Constitutes an index portion and a data portion only with the available cards); Determining whether information is stored in an unusable information area in the system when the card user uses the card; And determining whether to use the card according to the storage information constituting the data unit.

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