KR101119429B1 - System and method for prepaid card charge using electronic money - Google Patents

Abstract

A prepaid card charging system using an electronic money and a prepaid card charging method using an electronic money are disclosed, which allows a user terminal equipped with a prepaid rechargeable prepaid card function and an electronic money to conveniently charge a prepaid card function using its own electronic money. It is. In the prepaid card charging system using the electronic money of the present invention, when a user terminal having a prepaid card function and an electronic money requests a charge for the prepaid card function using the electronic money, the charging request is received from the user terminal. The received electronic money service center provides a deduction signal to the user terminal to deduct the electronic money corresponding to the requested amount of money in accordance with the request for charging, and in response to the amount of the prepaid card function of the user terminal. A charging process is included, and a configuration for notifying the user terminal of the completion of the charging process is included.

Electronic money, prepaid card, USIM, charging

Description

Prepaid card charging system and charging method using electronic money {SYSTEM AND METHOD FOR PREPAID CARD CHARGE USING ELECTRONIC MONEY}

The present invention relates to a prepaid card charging system using an electronic money, and more particularly, it is possible to conveniently charge a prepaid card function using its own electronic money in a user terminal equipped with a prepaid rechargeable prepaid card function and an electronic money. The present invention relates to a prepaid card charging system and a charging method using electronic money, a prepaid card charging method of an electronic money service center and an electronic money service center, and a prepaid card charging method of a service server and a service server.

Electronic money is a virtual currency that has a constant currency value that is paid by the issuer and is provided by the issuer. It is relatively low risk of counterfeiting or tampering, safe in case of theft or loss, and convenient for making small payments. .

Recently, an electronic money function has been added to a Universal Subscriber Identity Module (USIM) installed in a WCDMA mobile communication terminal device, and an electronic money service utilizing USIM security has emerged. Thus, users can use electronic money stored therein in various ways as with real money using their mobile communication terminal devices.

On the other hand, the prepaid card function is a prepaid payment method that deducts the amount of charge every time after prepaid and charged for the mobile communication service, the prepaid card function is a prepaid card included in the universal user identification card (USIM) The module may be enabled by the USIM module. In other words, the prepaid card function cannot be used fundamentally for the amount not prepaid.

Recently, an integrated form in which electronic money is included in a universal user identification card (USIM) having a prepaid card function of a mobile communication terminal device has emerged. However, in consideration of the integrated form of the universal user identification card, there may be a case where the prepaid card function that does not have a prepaid amount for the prepaid card function may occur even though the electronic money is sufficiently held. That is, a user of a mobile communication terminal equipped with an integrated universal user identification card can use the prepaid card function only if the prepaid card processing process has to be carried out separately for the prepaid card function despite having sufficient electronic money. There is discomfort.

The present invention has been made in view of the above circumstances, and an object of the present invention is to reach the user terminal having a prepaid card function and an electronic money request for charging the prepaid card function using the electronic money. The electronic money service center receiving the charge request from the user terminal provides a subtraction signal to the user terminal to subtract the electronic money corresponding to the requested charge amount according to the charge request, and in response to the charge amount Provides a prepaid card charging system and a charging method using an electronic money to process the charging for the user terminal prepaid card function, and informs the user terminal of the completion of the charging process, the user terminal equipped with electronic money and prepaid rechargeable prepaid card function Allows you to conveniently charge your prepaid card using your own electronic money. All.

The present invention was created in view of the above circumstances, and another object to be achieved in the present invention is to store / manage information about electronic money held by each user terminal in a settlement / management server, and the user from the user terminal. The charge amount when the service providing server that is requested to charge the prepaid card function of the user terminal using the electronic money in the terminal determines that the balance of the electronic money corresponding to the user terminal is equal to or greater than the requested charge amount according to the charging request. A prepaid signal of an electronic money service center and an electronic money service center that provides a deduction signal to the user terminal to deduct the electronic money in response to the charge, and processes the charging of the prepaid card function of the user terminal in response to the charge amount. It provides a card charging method to enable electronic money and prepaid rechargeable card. So conveniently using their own electronic money from the user terminal to charge the prepaid card functions.

The present invention has been made in view of the above circumstances, and another object of the present invention is to store / manage information about a prepaid charge amount corresponding to a prepaid card function held by each user terminal, and to store the user terminal. When the prepaid card function charging of the user terminal using the electronic money in the user terminal is requested from the request, the external electronic money server to deduct the electronic money of the user terminal corresponding to the requested charging amount according to the charging request, The prepaid card charging of the service server and the service server which provides the deduction signal returned from the electronic money server to the user terminal and increases and charges the pre-stored prepaid charge amount corresponding to the prepaid card function in response to the charge amount. User with electronic money and prepaid rechargeable prepaid card Conveniently using their electronic money at the end so you can recharge the prepaid card functions.

A prepaid card charging system using an electronic money according to the first aspect of the present invention for achieving the above object is provided with a prepaid card function and electronic money, a user requesting charging for the prepaid card function using the electronic money Terminal; And when the charge request is received from the user terminal, providing a subtraction signal to the user terminal to subtract the electronic money corresponding to the requested charge amount according to the charge request, and corresponding to the charge amount of the user terminal. It includes an electronic money service center that handles the charging of the prepaid card function and provides the user with the fact of the charging process.

Preferably, the user terminal, the electronic money storage unit for storing the electronic money, a prepaid card module for the prepaid rechargeable prepaid card function, and using the electronic money through communication with the electronic money service center It may include a user identification card having a card control unit for performing a charging process of the prepaid card function corresponding to the prepaid card module.

Electronic money service center according to a second aspect of the present invention for achieving the above object is a settlement / management server for setting / managing information about the electronic money held for each user terminal; And when a prepaid card function charging of the user terminal using the electronic money in the user terminal is requested from the user terminal, when it is determined that the balance of the electronic money corresponding to the user terminal is equal to or greater than the requested charging amount according to the charging request. And a service providing server for providing a subtraction signal to the user terminal so as to subtract the electronic money in response to the charged amount, and processing the prepaid card function of the user terminal in response to the charged amount.

Preferably, the settlement / management server, the balance information for the electronic money held for each user identification card included in each user terminal, and corresponding to the user identification card under the control from the service providing server The balance information can be increased or subtracted.

Preferably, the service providing server, in response to the received electronic money deduction request, if the electronic money balance of the user terminal is determined to be more than a predetermined amount of charges, the electronic money for providing a subtraction signal corresponding to the charge amount When the charging request is received from the server and the user terminal, the electronic money server requesting the electronic money deduction of the user terminal corresponding to the requested charging amount according to the charging request, and the reply is returned from the electronic money server It may include a service server for providing a subtraction signal to the user terminal, and processes the charging for the prepaid card function of the user terminal in response to the charge amount.

Preferably, the service providing server, when the charge request is received from the user terminal, if the electronic money balance of the user terminal is confirmed that the balance is more than the requested charge amount, the deduction corresponding to the charge amount An electronic money server providing a signal to the user terminal and requesting a charging process corresponding to the charge amount of the prepaid card function corresponding to the user terminal, and the charging according to a request for charging processing from the electronic money server; It may include a service server for processing the charge for the prepaid card function of the user terminal corresponding to the amount.

The service server according to the third aspect of the present invention for achieving the above object comprises a prepaid charge amount management unit for storing / managing information on the prepaid charge amount corresponding to the prepaid card function held by each user terminal; And when a prepaid card function charging of the user terminal using the electronic money in the user terminal is requested from the user terminal, requesting the external electronic money server to deduct the electronic money of the user terminal corresponding to the requested charging amount according to the charging request. And providing the deduction signal returned from the electronic money server to the user terminal, and increases and charges the prepaid charge amount corresponding to the prepaid card function of the corresponding user terminal of the prepaid charge amount management unit in response to the charge amount. It includes a server control unit for processing.

Preferably, the server control unit, when the subtraction signal is received from the user terminal by providing the subtraction signal to the user terminal, provides the subtraction completion signal to the electronic money server and the prepaid corresponding to the charge amount The prepaid charge amount corresponding to the prepaid card function of the charge amount management unit may be increased and charged, and when the charge process is completed, the user terminal may be informed that the charge process is completed.

Preferably, a call service unit that provides a call service according to a call received from the user terminal, and receives a charge of the prepaid card function using the electronic money in the user terminal from the user terminal through a call service; And a connection information providing unit for providing the user terminal with connection information for inducing connection to the server control unit when the charging request is received through the call service unit.

A service server according to a fourth aspect of the present invention for achieving the above object comprises a prepaid charge amount management unit for storing / managing information on the prepaid charge amount corresponding to the prepaid card function held by each user terminal; A call service unit that provides a call service according to a call received from a user terminal and receives a prepaid card function charging of the user terminal using electronic money in the user terminal from a user terminal through a call service; A connection information providing unit providing the user terminal with access information for inducing a connection to an external electronic money server when the charging request is received through the call service unit; And receiving a charge processing request for a charging process corresponding to a predetermined charge amount for a prepaid card function corresponding to the user terminal from the electronic money server, in response to the charge processing request. And a server control unit for increasing and charging the prepaid charge amount corresponding to the prepaid card function of the value manager.

A method for charging a prepaid card using an electronic money according to a fifth aspect of the present invention for achieving the above object requires a user terminal having a prepaid card function and an electronic money to charge the prepaid card function using the electronic money. Making; When the charge request is received from the user terminal, providing a subtraction signal to the user terminal so that the electronic money service center deducts the electronic money corresponding to the requested charge amount according to the charge request; The electronic money service center processes the charging of the prepaid card function of the user terminal in response to the charge amount, and notifying the user terminal of the completion of the charging process.

Preferably, the step of requesting the user terminal to charge the prepaid card function, the user terminal having an electronic money storage unit for storing the electronic money and a prepaid card module for the prepaid card function of the prepaid rechargeable type; The call may be requested to charge the prepaid card function using the electronic money by using the call service of the electronic money service center.

The prepaid card charging method of the electronic money service center according to the sixth aspect of the present invention for achieving the above object comprises the steps of: storing / managing information on the electronic money held for each user terminal in the settlement / management server; And a service providing server that is requested to charge a prepaid card function of the user terminal using the electronic money in the user terminal from the user terminal, wherein the balance of the electronic money corresponding to the user terminal is equal to or greater than the requested charging amount according to the charging request. And if it is confirmed, providing a subtraction signal to the user terminal to subtract the electronic money in response to the recharge amount, and processing the prepaid card function of the user terminal in response to the recharge amount.

Preferably, the settlement / management server, the balance information for the electronic money held for each user identification card included in each user terminal, and corresponding to the user identification card under the control from the service providing server The balance information can be increased or subtracted.

Preferably, the step of processing the charge for the prepaid card function, the user terminal corresponding to the charge amount requested by the service server of the service providing server receiving the charge request from the user terminal in accordance with the charge request Requesting the electronic money deduction, and the electronic money server of the service providing server receiving the electronic money deduction request determines whether the electronic money balance of the corresponding user terminal is equal to or greater than a predetermined recharge amount according to the deduction request. And providing a subtraction signal corresponding to the recharge amount by the electronic money server when the recharge amount is equal to or greater than the balance amount, and transmitting the deduction signal returned from the electronic money server to the user terminal. Providing a prepaid card function of the user terminal in response to the charged amount. Processing the filling.

Preferably, the step of processing the charge for the prepaid card function, the electronic money server of the service providing server receiving the charge request from the user terminal inquires the electronic money balance of the user terminal a predetermined charge amount Determining whether an abnormality is generated, and when the recharge amount is greater than the balance amount, the electronic money server provides a deduction signal corresponding to the recharge amount to the user terminal, and the recharge amount of the prepaid card function corresponding to the user terminal. Requesting a charging process corresponding to the service card; and a service server of the service providing server that receives a request for charging processing from the electronic money server, according to the charge processing request, prepaid card function of the user terminal in response to the charging amount; Processing the charging for the method.

The prepaid card charging method of the service server according to the seventh aspect of the present invention for achieving the above object comprises the steps of storing / managing information about the prepaid charge amount corresponding to the prepaid card function held by each user terminal; When the user terminal is requested to charge the prepaid card function of the user terminal using the electronic money in the user terminal, requesting the external electronic money server to deduct the electronic money of the user terminal corresponding to the requested charge amount according to the charging request step; And providing a subtraction signal returned from the electronic money server to the user terminal, and increasing and precharging a pre-stored precharge amount corresponding to the prepaid card function in response to the charge amount.

Preferably, the charging process includes providing the subtraction signal to the user terminal to determine whether a subtraction completion signal is received from the user terminal, and receiving the subtraction completion signal when the subtraction completion signal is received. Providing the electronic money server and increasing the prepaid precharge amount corresponding to the prepaid card function of the user terminal in response to the charge amount to perform a charging process; and when the charging process is completed, the charging process is completed. It may include the step of notifying the terminal.

Preferably, the step of requesting the external electronic money server to deduct the electronic money of the user terminal, by providing a call service in response to a call received from the user terminal, using the electronic money in the user terminal through the call service Determining whether a charge request of the prepaid card function is received; providing the user terminal with access information for inducing a connection to a service server when the charge request is received through the call service; And requesting the electronic money server to deduct the electronic money of the user terminal corresponding to the requested charging amount in response to the charge request from the user terminal connected through the terminal.

A prepaid card charging method of a service server according to an eighth aspect of the present invention for achieving the above object comprises the steps of storing / managing information on the prepaid charge amount corresponding to the prepaid card function held by each user terminal; Providing a call service according to a call received from a user terminal, and receiving a prepaid card function charging request of the user terminal using electronic money in the user terminal from the user terminal through a call service; If the charge request is received through the call service, providing access information to the user terminal to induce a connection to an external electronic money server; When the electronic money server receives a charging processing request for requesting a charging process corresponding to a predetermined charging amount of a prepaid card function corresponding to the user terminal, the electronic card server responds to the prepaid card function in response to the charging amount. And increasing the corresponding pre-stored precharge amount to perform the charging process.

Thus, according to the prepaid card charging system and charging method using the electronic money of the present invention, the user terminal can easily request the charge for their prepaid card function using the electronic money stored in the user terminal, and the service providing server The electronic money service center, including the electronic money stored in the user's terminal, deducts the electronic money stored in the user's terminal and processes the charge for the corresponding prepaid card function. It is possible to easily charge the prepaid card function using the electronic money held in the user terminal, it is possible to improve the inconvenience of the prepayment process for the conventional cumbersome prepaid card function.

Hereinafter, with reference to the accompanying drawings will be described a preferred embodiment of the present invention.

1 shows a prepaid card charging system using electronic money according to a first embodiment of the present invention.

As shown in FIG. 1, the prepaid card charging system using the electronic money according to the present invention includes a prepaid card function and an electronic money, and a user terminal requesting charging for the prepaid card function using the electronic money ( 10) and when the charging request is received from the user terminal 10 connected through the network 1, the user terminal 10 is deducted to subtract the electronic money corresponding to the requested charging amount according to the charging request. And an electronic money service center 500 that provides a signal, processes charging for the prepaid card function of the user terminal 10 in response to the charge amount, and provides the charging processing fact to the user terminal 10.

The electronic money service center 500 may be a mobile communication service server that provides a mobile communication service.

Furthermore, the prepaid card charging system using the electronic money according to the present invention, the signal encryption server for performing the encryption processing for the electronic money deduction signal from the electronic money service center 500 to provide to the terminal device (10) It may further include (not shown).

The network 1 is an interworking network supporting each of the user terminal 10 and the electronic money service center 500 to communicate with each other. It may include a variety of communication networks such as).

Here, the configuration of the user terminal 10 will be described in more detail with reference to FIG. 2.

The user terminal 10 includes an electronic money storage unit 13 for storing electronic money, a prepaid card module 15 for the prepaid rechargeable card function, and an electronic money service center 500. The card control unit 17 and the electronic device through the user identification card 19 and the network 1 having a card control unit 17 for performing the charging process of the prepaid card function corresponding to the prepaid card module 15 using money. Terminal service unit 12 for interfacing the communication between the money service center 500 may be included.

Here, the user identification card 19 is a smart card installed in the user terminal 10, which is any one of a radio frequency identification (RFID) card, a subscriber identification module (SIM) card, and a universal subscriber identification module (USIM) card. It is preferable.

That is, in the case of the user identification card 19 in the form of a USIM card, the user identification card 19 includes a prepaid card module 15, for example, a USIM module as a module supporting a prepaid card function of a prepaid payment method. Therefore, when using a mobile communication service such as a phone call or a text message in the user terminal 10, the corresponding carrier server (for example, the service server 200 to be described later) to the user identification card 19 of the user terminal 10 After authentication for the user by deducting the prepaid charge amount managed corresponding to the prepaid card module 15 of the user identification card 19 in accordance with the use of the service, the user terminal 10 using the prepaid prepaid card function Can be provided. The user identification card 19 further includes an electronic money storage unit 13 for storing electronic money.

Accordingly, the user terminal 10 may be equipped with an integrated user identification card 19 having electronic money and prepaid card functions.

The user terminal 10 uses the electronic money in the electronic money storage unit 13 for the prepaid card function according to the input from the user or the occurrence of a specific event (for example, a periodic or specific time of arrival or a request from the outside). The charging may be requested to the electronic money service center 500.

For example, the user terminal 10 provides a charging request for the prepaid card function corresponding to the prepaid card module 15 to the electronic money service center 500 by way of example.

A user with a user terminal 10 sends a call to a call service operated by the electronic money service center 500 to request a charge for a prepaid card function corresponding to the prepaid card module 15. Call service from 500 can be provided. Accordingly, the user terminal 10 manipulated by the user uses the electronic money in the electronic money storage unit 13 according to a call service from the electronic money service center 500 to request a charge for the prepaid card function. Provided to the service center 500.

In this case, the charging request may be provided in various ways according to the type of call service. For example, the charging request may be provided to the electronic money service center 500 by the user speaking the charging amount and the charging request. Alternatively, the user may be provided to the electronic money service center 500 by keying in the charge amount and keying in the charge request according to the guide message of the call service.

Then, the user terminal 10, after requesting the request for charging the prepaid card function for the prepaid card module 15 in accordance with the call service from the electronic money service center 500, the access information is received from the electronic money service center 500. If provided, the card controller 17 connects to the corresponding server (for example, the service providing server 400 in the electronic money service center 500) according to the access information, and provides a charge request to the service providing server 400, thereby providing a card. Through the communication between the control unit 17 and the service providing server 400 may perform a charging process for the prepaid card function. Here, the charging request provided by the card controller 17 to the service providing server 400 includes information on the user terminal 10, information on the user identification card 19, information on the prepaid card module 15, and charging. It may include at least one of money information, electronic money balance information stored in the user terminal 10, that is, electronic money balance information stored in the electronic money storage unit 13.

Hereinafter, the configuration of the electronic money service center 500 will be described with reference to FIG. 3.

As shown in FIG. 3, the electronic money service center 500 according to the present invention includes a settlement / management server 100 for calculating / managing information on electronic money held for each user terminal, and the user terminal 10. When the charge for the prepaid card function of the user terminal 10 using the electronic money in the user terminal 10 is requested, the remaining amount of the electronic money corresponding to the user terminal 10 is requested in accordance with the charging request. If it is confirmed that the error is provided to the user terminal 10 to deduct the electronic money in response to the charge amount, and processing the charge for the prepaid card function of the user terminal 10 in response to the charge amount It includes a service providing server 400.

The settlement / management server 100 stores balance information for electronic money held for each user identification card included in each user terminal. That is, the settlement / management server 100 stores the balance information of the electronic money stored in the electronic money storage unit 13 in the user identification card 19 of the corresponding user terminal 10 for each user identification card of each user terminal. Save it.

In addition, the settlement / management server 100 provides the balance information of the requested user identification card 19 to the service providing server 400 according to a request from the service providing server 400, and the service providing server 400. By increasing or subtracting the balance information corresponding to the user identification card 19 according to the control from the user, it is possible to settle / manage the balance information on the electronic money held for each user identification card included in each user terminal.

As shown in FIG. 3, the service providing server 400 includes an electronic money server 300 and a service server 200. Of course, any one of the electronic money server 300 and the service server 200 may be configured to be separated so as not to be included in the service providing server 400, and furthermore, the configuration separate from the electronic money service server 500 It may be.

The electronic money server 300 inquires the electronic money balance of the corresponding user terminal 10 in response to the request for deducting the electronic money received from the service server 200, and if it is determined that the electronic money balance is greater than or equal to the predetermined amount of money, the electronic money server 300 corresponds to the amount of money. Provide the subtraction signal to the service server 200. Here, the electronic money deduction request corresponding to the user identification card 19 from the service server 200, information about the user terminal 10, information about the user identification card 19, charge amount information, the user terminal ( It may include at least one of the electronic money balance information stored in 10).

That is, the electronic money server 300 inquires the electronic money balance of the user terminal 10 in response to the electronic money deduction request received from the service server 200.

For example, when the electronic money deduction request corresponding to the user identification card 19 of the user terminal 10 is received from the service server 200, the electronic money server 300 accordingly, the settlement / management server 100 By requesting the electronic money balance information of the corresponding user identification card 19 to check the balance information returned from the settlement / management server 100 can check the electronic money balance of the user identification card 19. Of course, the electronic money server 300 may perform authentication on the user identification card 19 before the electronic money balance inquiry of the user identification card 19, the electronic money of the electronic money server 300 The certification performance in response to the deduction or increase request may adopt one of various existing certification performance methods.

Here, when the offline payment using the electronic money held in the user identification card 19 of the user terminal 10, the balance of the actual electronic money remaining in the user terminal 10 of the settlement / management server 100 The electronic money balance information of the user identification card 19 corresponding to the user terminal 10 may not match.

Therefore, preferably, when the electronic money server 300 grasps the electronic money balance information of the corresponding user terminal 10, the electronic money corresponding to the user identification card 19 of the user terminal 10 from the service server 200. When the deduction request is received, the electronic money server 300 provides a balance confirmation request to the user terminal 10 for confirming the actual balance information of the electronic money held in the user terminal 10, thereby providing the balance information accordingly. It is desirable to receive a reply from (10) and grasp.

Alternatively, the information on the user terminal 10, the information on the user identification card 19, the charge amount in the electronic money deduction request corresponding to the user identification card 19 of the user terminal 10 received from the service server 200. If the electronic money balance information stored in the user terminal 10 as well as the information is included, the electronic money server 300 extracts / recognizes the electronic money balance information stored in the user terminal 10 from the electronic money deduction request. The electronic money balance information of (10) may be obtained.

Accordingly, the electronic money server 300 checks whether the balance information of the user identification card 19, which is inquired / determined, is greater than or equal to the requested amount of charge, and if it is determined to be abnormal, the user identification card 19 corresponding to the amount of charge. Alternatively, the subtraction signal corresponding to the electronic money storage unit 13 included in the user identification card 19 is provided to the service server 200. Here, the deduction signal may include at least one of information about the user terminal 10, information about the user identification card 19, information about the electronic money storage unit 13, deduction amount information.

The electronic money server 300 provides the subtraction signal to the service server 200, and when a subtraction completion signal corresponding thereto is received, the balance information corresponding to the corresponding user identification card 19 based on the subtraction completion signal. Request the settlement / management server 100 to subtract the charge amount, so that the settlement / management server 100 can settle / manage balance information for the electronic money corresponding to the user identification card 19.

When the service server 200 receives a charging request for the prepaid card function of the user terminal 10 using the electronic money in the user terminal 10 from the user terminal 10, the service server 200 may be charged according to the requested charging amount. The electronic money deduction corresponding to the user identification card 19 in the corresponding user terminal 10 is requested to the electronic money server 300. Here, the charge request received from the user terminal 10 is a charge request provided from the user identification card 19 mounted on the user terminal 10, the information on the user terminal 10, the user identification card 19 Information about the prepaid card module 15, information about the charge amount, and electronic money balance information stored in the user terminal 10.

Accordingly, the service server 200, according to the charge request from the user identification card 19, the electronic money subtraction request corresponding to the user identification card 19 to the electronic money server 300, and the electronic money server ( The deduction signal returned from 300 is provided to the user terminal 10.

In addition, the service server 200 provides the subtraction signal to the user terminal 10 and receives a subtraction completion signal corresponding thereto, and provides the subtraction completion signal to the electronic money server 300 in response to the requested charge amount. The charging process for the prepaid card function corresponding to the prepaid card module 15 of the user terminal 10 is processed. The service server 200 may be a carrier server supporting a mobile communication service.

Hereinafter, a detailed configuration of the service server 200 according to the present invention will be described with reference to FIG. 4.

The service server 200 according to the present invention includes a prepaid charge amount management unit 210 for storing / managing information about a prepaid charge amount corresponding to a prepaid card function held by each user terminal, and from the user terminal 10. When a charge for the prepaid card function of the user terminal 10 using the electronic money in the user terminal 10 is requested, the electronic money deduction of the user terminal 10 corresponding to the requested amount of charge according to the charging request Requests the money server 300, and provides the deduction signal returned from the electronic money server 300 to the user terminal 10, the corresponding user terminal 10 of the prepaid charge amount management unit 210 corresponding to the charge amount It includes a server control unit 240 for charging by increasing the prepaid charge amount corresponding to the prepaid card function of the).

The prepaid charge amount management unit 210 stores information on the prepaid charge amount prepaid for each prepaid card function in response to the prepaid card function managed by the service server 200. That is, the prepaid charge amount management unit 210 stores the balance information of the prepaid charge amount corresponding to the prepaid card module 15 of the user identification card 19 for each prepaid card module held by each user terminal.

Then, the prepaid charge amount management unit 210 increases or subtracts the balance information for the prepaid card function corresponding to the prepaid card module 15 according to the control from the server controller 240, thereby for each user identification card. Information about the amount of prepaid charges held can be settled / managed.

Here, a method of providing a charging request for a prepaid card function corresponding to the prepaid card module 15 by connecting the user terminal 10 to the server controller 240 will be described below.

The service server 200 according to the present invention provides a call service according to a call received from the user terminal 10, and uses a prepaid card using electronic money in the user terminal 10 from the user terminal 10 through a call service. When the charge request is received through the call service unit 220 and the call service unit 220 that are requested to charge for a function, the terminal 10 provides access information for inducing a connection to the server controller 240 to the user terminal 10. The connection information providing unit 230 may be further included.

The call service unit 220 uses the electronic money in the electronic money storage unit 13 of the user identification card 19 mounted on the user terminal 10 for the prepaid card function corresponding to the prepaid card module 15. A function unit that provides a call service for receiving a charge request from a user, and a user having a user terminal 10 sends a call to a call service operated by the service server 200 to request a charge for a prepaid card function. As a result, when a call from the user terminal 10 is received, a call service is provided to the user terminal 10.

Accordingly, the call service unit 220 notifies the access information providing unit 230 of the fact that the charging request for the prepaid card function is received from the user terminal 10. Here, the charging request from the user terminal 10 may be provided in various ways according to the type of call service. For example, the charging request is received by the user by speaking the charge amount and the charging request. ), Or the user may input the charge amount according to the guide message of the call service and the charge request may be provided to the call service unit 220 by keying in the charge request.

When the connection information providing unit 230 recognizes that a charge request for the prepaid card function is received from the user terminal 10, the connection information providing unit 230 provides the connection information for inducing the connection to the server controller 240 to the user terminal 10. Thus, the card control unit 17 of the user terminal 10 provided with the access information will access the server control unit 240 of the service server 200 based on the access information. In this case, the access information may be provided in various forms such as a callback URL or SMS or MMS.

As such, if the service server 200 provides a call service for charging the prepaid card function of the user terminal 10 using the electronic money in the user terminal 10, the user may make a simple call for the call service. According to the guidance can be requested to charge for the prepaid card function, it can be provided with the convenience to access the service server 200 conveniently.

Of course, the call service unit 220 and the connection information providing unit 230 are not provided in the service server 200, and the user terminal 10 directly services the mobile internet network (for example, WAP) of the network 1. It may be connected to the server control unit 240 of the server 200 may request the charging of the prepaid card function of the user terminal 10 using the electronic money in the user terminal 10.

When the server controller 240 is requested to charge the prepaid card function of the user terminal 10 using the electronic money in the user terminal 10 from the connected user terminal 10, the requested charge according to the charging request The electronic money subtraction of the user terminal 10 corresponding to the amount is requested to the external electronic money server 300.

That is, the server control unit 240, the prepaid card module 15 using the electronic money in the electronic money storage unit 13 provided in the user identification card 19 from the card control unit 17 of the connected user terminal 10 When a request for charging for the prepaid card function corresponding to the request is received, the electronic money server corresponding to the user identification card 19 corresponding to the requested charging amount is requested to the electronic money server 300.

As such, the server controller 240 may provide the electronic money server 300 with the request for subtracting the electronic money corresponding to the user identification card 19, and then receive a corresponding subtraction signal from the electronic money server 300. Provided to the user terminal 10.

Accordingly, the card control unit 17 of the user identification card 19 that receives the deduction signal through the user terminal 10 will deduct the electronic money in the electronic money storage unit 13 according to the deduction amount information of the deduction signal. . Then, the card control unit 17 will provide the subtraction completion signal to the service server 200 when the electronic money deduction according to the deduction signal is completed.

Accordingly, the server controller 240 provides the subtraction signal to the electronic money server 300 when the subtraction completion signal corresponding to the subtraction signal is returned after providing the subtraction signal to the user terminal 10. The prepaid charge amount of the prepaid charge amount management unit 210 for the prepaid card function corresponding to the prepaid card module 15 of the identification card 19 is increased in correspondence with the charge amount to perform the charging process for the prepaid card function. .

The server control unit 240 preferably informs the user terminal 10 that the charging process is completed when the charging process for the prepaid card function is completed. For example, the server controller 240 may provide the user terminal 10 with SMS, MMS, and e-mail indicating that the charging process for the prepaid card function is completed.

As described above, the prepaid card charging system using the electronic money according to the present invention, the user terminal 10 can easily request the charging for their prepaid card function using the electronic money stored in the user terminal 10. In connection with the service server 200 and the electronic money server 300, the service providing server 400 subtracts the electronic money stored in the user terminal 10, and correspondingly charges the corresponding prepaid card function. By processing, the user of the user terminal 10 having an integrated form with electronic money and prepaid card function can easily prepaid / charge the prepaid card function using the electronic money held in the user terminal 10. By doing so, it is possible to improve the inconvenience of the prepayment process for the conventional cumbersome prepaid card.

Meanwhile, hereinafter, a prepaid card charging system using electronic money according to a second embodiment of the present invention will be described with reference to FIGS. 5 to 7.

The prepaid card charging system using the electronic money according to the second embodiment has a prepaid card function and an electronic money as shown in FIG. 5, and a user terminal requesting charging for the prepaid card function using the electronic money. (10) and the user terminal 10, if the charge request is received from the user terminal 10 connected through the network 1, to the user terminal 10 to deduct the electronic money corresponding to the requested charge amount in accordance with the charge request The electronic money service center 900 provides a subtraction signal, processes charging of the prepaid card function of the user terminal 10 in response to the charging amount, and provides the charging process to the user terminal 10.

Since the user terminal 10 and the network 1 are the same as the user terminal 10 and the network 1 according to the first embodiment described above, the same reference numerals are referred to, and detailed description thereof will be omitted.

Referring to Figure 6 describes the electronic money service center 900 according to the second embodiment, the electronic money service center 900, the settlement / management of the information about the electronic money held by each user terminal / When the management server 100 and the user terminal 10 is requested to charge the prepaid card function of the user terminal 10 using the electronic money in the user terminal 10, the user terminal 10 in response to the charging request When it is determined that the balance of the corresponding electronic money is equal to or greater than the requested charging amount, a subtraction signal is provided to the user terminal 10 to subtract the electronic money in response to the charging amount, and the user terminal corresponding to the charging amount ( 10) a service providing server 800 that processes the charging for the prepaid card function.

Here, since the settlement / management server 100 is the same as the settlement / management server 100 according to the first embodiment described above, the same reference numerals are referred to, and detailed description thereof will be omitted.

As shown in FIG. 6, the service providing server 800 includes an electronic money server 700 and a service server 600. Of course, any one of the electronic money server 700 and the service server 600 may be configured to be separated so as not to be included in the service providing server 800, and furthermore, the configuration separate from the electronic money service server 500 It may be.

When the electronic money server 700 receives a charging request for the prepaid card function of the user terminal 10 using the electronic money in the user terminal 10 from the user terminal 10, the electronic money of the user terminal 10 is received. If it is confirmed that the balance is equal to or greater than the predetermined amount of charge, the deduction signal corresponding to the amount of charge is provided to the user terminal 10.

Here, the charge request received from the user terminal 10 is a charge request provided from the user identification card 19 mounted on the user terminal 10, the information on the user terminal 10, the user identification card 19 Information about the prepaid card module 15, information about the charge amount, and electronic money balance information stored in the user terminal 10.

That is, the electronic money server 700 according to the charge request for the prepaid card function corresponding to the prepaid card module 15 of the user terminal 10 using the electronic money in the user terminal 10 from the user terminal 10. Then, the electronic money balance of the user identification card 19 of the user terminal 10 is inquired.

For example, when a charge request for a prepaid card function corresponding to the prepaid card module 15 of the user terminal 10 using the electronic money in the user terminal 10 is received from the user terminal 10, the electronic money server ( 700 accordingly checks the balance information returned from the settlement / management server 100 by requesting the electronic money balance information of the corresponding user identification card (19) to the settlement / management server (100) corresponding user identification card (19) Inquire the electronic money balance of. Of course, the electronic money server 700 may perform authentication on the corresponding user identification card 19 before the electronic money balance inquiry of the corresponding user identification card 19, the electronic money of the electronic money server 700 The certification performance in response to the deduction or increase request may adopt one of various existing certification performance methods.

Here, when the offline payment using the electronic money held in the user identification card 19 of the user terminal 10, the balance of the actual electronic money remaining in the user terminal 10 of the settlement / management server 100 The electronic money balance information of the user identification card 19 corresponding to the user terminal 10 may not match.

Therefore, the electronic money server 700 preferably prepaid the user terminal 10 using the electronic money in the user terminal 10 from the user terminal 10 in grasping the electronic money balance information of the user terminal 10. When the charge request for the prepaid card function corresponding to the card module 15 is received, the electronic money server 700 receives a balance check request for checking the actual balance information of the electronic money held in the user terminal 10. It is desirable to provide a (10) to receive the balance information according to the reply from the user terminal 10 to grasp.

Alternatively, if the electronic money balance information stored in the user terminal 10 is included in the charge request for the prepaid card function corresponding to the prepaid card module 15 of the user terminal 10 received from the user terminal 10, The money server 700 may grasp the electronic money balance information of the user terminal 10 by extracting / recognizing the electronic money balance information stored in the user terminal 10 from the charging request.

Accordingly, the electronic money server 700 checks whether the balance information of the user identification card 19, which is inquired / determined, is greater than or equal to the requested amount of charge, and if it is determined that the information is abnormal, the user identification card 19 corresponding to the amount of charge. Alternatively, a subtraction signal corresponding to the electronic money storage unit 13 included in the user identification card 19 is provided to the user terminal 10. Here, the deduction signal may include at least one of information about the user terminal 10, information about the user identification card 19, information about the electronic money storage unit 13, deduction amount information.

Then, the electronic money server 700 provides the subtraction signal to the user terminal 10 and receives a subtraction completion signal corresponding thereto, based on the subtraction completion signal, the electronic money corresponding to the corresponding user identification card 19. The settlement / management server 100 requests the settlement / management server 100 to subtract the remaining balance information by the amount charged, so that the settlement / management server 100 can settle / manage balance information on the electronic money corresponding to the user identification card 19. do.

In addition, the electronic money server 700, after providing the subtraction signal to the user terminal 10, and receives a subtraction completion signal corresponding thereto, the prepaid card function corresponding to the prepaid card module 15 of the user terminal 10 The service server 600 requests a charging process corresponding to the charged amount for the service. Here, the charge processing request provided by the electronic money server 700 to the service server 600, information about the user terminal 10, information about the user identification card 19, information about the prepaid card module 15 It may include at least one of the charge amount information.

The service server 600, when the charge processing for the prepaid card function corresponding to the prepaid card module 15 of the user terminal 10 from the electronic money server 700 is requested, corresponding to the charge amount according to the charge processing request To process charging for the prepaid card function corresponding to the prepaid card module 15 of the user terminal 10. The service server 600 may be a carrier server supporting a mobile communication service.

Hereinafter, a detailed configuration of the service server 700 according to the present invention will be described with reference to FIG. 7.

The service server 600 according to the present invention includes a prepaid charge amount management unit 610 for storing / managing information on a prepaid charge amount corresponding to a prepaid card function held for each user terminal, and an electronic money server 700. When a request for charging a predetermined amount of charge for the prepaid card function corresponding to the user terminal 10 is requested from the user terminal 10, the prepaid amount of charge management unit 610 responds to the user's terminal 10 in response to the charge amount. And a server controller 640 for increasing and charging the corresponding prepaid charge amount.

The prepaid charge amount management unit 610 stores information about the prepaid charge amount prepaid for each prepaid card function corresponding to the prepaid card function managed by the service server 600. That is, the prepaid charge amount management unit 610 stores the balance information of the prepaid charge amount corresponding to the prepaid card module 15 of the user identification card 19 for each prepaid card module held by each user terminal.

The prepaid charge amount management unit 610 increases or subtracts balance information for the prepaid card function corresponding to the prepaid card module 15 according to control from the server controller 640 to retain the card for each user identification card. You can settle / manage information on the amount of prepaid charges being made.

Here, a method of providing a charging request for a prepaid card function corresponding to the prepaid card module 15 by connecting the user terminal 10 to the server controller 640 will be described below.

The service server 600 according to the present invention provides a call service according to a call received from the user terminal 10, and uses a prepaid card using electronic money in the user terminal 10 from the user terminal 10 through a call service. When the charge request is received through the call service unit 620 and the call service unit 620, which is requested to charge the function, access information for inducing a connection to the electronic money server 700 to the user terminal 10. It may further include a connection information providing unit 630 to provide.

The call service unit 620 uses the electronic money in the electronic money storage unit 13 of the user identification card 19 mounted in the user terminal 10 to perform the prepaid card function corresponding to the prepaid card module 15. A function unit that provides a call service for receiving a charge request from a user, and a user having a user terminal 10 sends a call to a call service operated by the service server 200 to request a charge for a prepaid card function. As a result, when a call from the user terminal 10 is received, a call service is provided to the user terminal 10.

Accordingly, the call service unit 620 notifies the access information providing unit 630 of the fact that the charging request for the prepaid card function is received from the user terminal 10. In this case, the charging request from the user terminal 10 may be provided in various ways according to the type of call service. For example, the charging request is made by the user by speaking the charge amount and the charging request. Alternatively, or the user may input the charge amount according to the guidance message of the call service and the charge request may be provided to the call service unit 620 by keying the charge request.

When the connection information providing unit 630 recognizes that a charge request for a prepaid card function is received from the user terminal 10, the connection information providing unit 630 provides the user terminal 10 with access information for inducing a connection to the electronic money server 700. . Accordingly, the card control unit 17 of the user terminal 10 provided with the access information will request to charge the prepaid card function by accessing the electronic money server 700 based on the access information. In this case, the access information may be provided in various forms such as a callback URL or SMS or MMS.

As such, if the service server 600 provides a call service for charging the prepaid card function of the user terminal 10 using the electronic money in the user terminal 10, the user may make a simple call for the call service. According to the guidance can be requested to charge for the prepaid card function, this can be provided with the convenience to access the electronic money server 700 conveniently.

When the server control unit 640 receives a charge processing request for requesting the charging of a charge amount for the prepaid card function corresponding to the user terminal 10 from the electronic money server 700, the charging according to the charge processing request In response to the amount, the prepaid charge amount corresponding to the prepaid card module 15 of the user terminal 10 of the prepaid charge amount management unit 610 is increased and charged.

That is, the server control unit 640, when the charge processing request is received from the electronic money server 700 receives the completion signal, the prepaid card module 15 of the user identification card 19 according to the received charge processing request By increasing the prepaid charge amount of the prepaid charge amount management unit 610 corresponding to the prepaid card function corresponding to the charge amount, the charging process for the prepaid card function is performed.

The server controller 640 preferably informs the user terminal 10 that the charging process is completed when the charging process for the prepaid card function is completed. For example, the server controller 640 may provide the user terminal 10 with SMS, MMS, and e-mail indicating that the charging process for the prepaid card function is completed.

As described above, the prepaid card charging system using the electronic money according to the present invention, the user terminal 10 can easily request the charging for their prepaid card function using the electronic money stored in the user terminal 10. In connection with the service server 600 and the electronic money server 700, the service providing server 800 subtracts the electronic money stored in the user terminal 10 and correspondingly charges the corresponding prepaid card function. By processing, the user of the user terminal 10 having an integrated form with electronic money and prepaid card function can easily prepaid / charge the prepaid card function using the electronic money held in the user terminal 10. By doing so, it is possible to improve the inconvenience of the prepayment process for the conventional cumbersome prepaid card.

Hereinafter, a control flow of the prepaid card charging method using the electronic money according to the present invention configured as described above will be described with reference to FIGS. 8 to 11.

First, a method of charging a prepaid card using electronic money according to a first embodiment of the present invention will be described with reference to FIGS. 8 and 9. Here, for the convenience of description, the configuration shown in FIGS. 1 to 4 described above will be described with reference to the corresponding reference numerals.

A user terminal 10 equipped with an electronic money storage unit 13 for storing electronic money and a user identification card 19 having a prepaid card module 15 is provided with an input from a user or a specific event (eg, periodically). Or upon receipt of a specific time or request from the outside), the service providing server 400 charges the prepaid card function corresponding to the prepaid card module 15 using the electronic money in the electronic money storage unit 13. It can be requested (S10 ~ S40).

For example, a user having the user terminal 10 sends a call to a call service operated by the service server 200 of the service providing server 400 to request a charge for the prepaid card function (S10). Call service from 200 may be provided (S15). Accordingly, the user terminal 10 operated by the user uses the electronic money in the electronic money storage unit 13 according to the call service from the service server 200. The prepaid card module 15 of the user identification card 19 is used. The charging request for the prepaid card function corresponding to) is provided to the service server 200 (S20).

At this time, the charging request may be provided in various ways according to the type of call service, for example, the charging request may be provided to the service server 200 by the user speaking the charging amount and the charging request. The charging request may be provided to the service server 200 by the user keying in the charge amount and keying in the charge request according to the guide message of the call service.

Then, the user terminal 10, after requesting the charge request for the prepaid card function according to the call service from the service server 200, if the access information is provided from the service server 200 (S30), according to the access information By connecting to the server, that is, the service server 200 and providing a charging request to the service server (200) (S40), the charging process for the prepaid card function through the communication between the user terminal 10 and the service providing server (400) Can be done. At this time, step S40 is performed by the card control unit 17 of the user identification card 19 mounted in the user terminal 10, through the communication between the card control unit 17 and the service providing server 400 prepaid card module 15 Charging process for the prepaid card function corresponding to "

Here, the charging request provided by the card controller 17 to the service providing server 400 includes information on the user terminal 10, information on the user identification card 19, information on the prepaid card module 15, and charging. It may include at least one of the amount information, electronic money balance information stored in the user terminal (10).

As such, when a charge request for the prepaid card function of the user terminal 10 using the electronic money in the user terminal 10 is received from the user terminal 10, the service server 200 of the service providing server 400 requests the charging. In accordance with the request to the electronic money server 300 to deduct the electronic money corresponding to the user identification card 19 in the user terminal 10 corresponding to the requested charge amount (S50). Here, the charge request received from the user terminal 10 is a charge request provided from the user identification card 19 mounted on the user terminal 10, information about the user terminal 10 to the user terminal 10, the user At least one of the information on the identification card 19, information about the prepaid card module 15, charge amount information, electronic money balance information stored in the user terminal 10.

Accordingly, the electronic money server 300 of the service providing server 400 receiving the electronic money deduction request corresponding to the user identification card 19 of the user terminal 10 from the service server 200, accordingly, identifies the corresponding user. The electronic money balance information of the card 19 is checked (S60). Here, the electronic money deduction request corresponding to the user identification card 19 from the service server 200, information about the user terminal 10, information about the user identification card 19, charge amount information, the user terminal ( It may include at least one of the electronic money balance information stored in 10).

Referring to step S60 as an example, when the electronic money deduction request corresponding to the user identification card 19 of the user terminal 10 from the service server 200, the electronic money server 300, according to the settlement / By requesting the electronic money balance information of the corresponding user identification card 19 to the management server 100 to check the balance information returned from the settlement / management server 100 to query the electronic money balance of the corresponding user identification card 19 Can be. Of course, the electronic money server 300 may perform authentication on the user identification card 19 before the electronic money balance inquiry of the user identification card 19, the electronic money of the electronic money server 300 The certification performance in response to the deduction or increase request may adopt one of various existing certification performance methods.

Here, when the offline payment using the electronic money held in the user identification card 19 of the user terminal 10, the balance of the actual electronic money remaining in the user terminal 10 of the settlement / management server 100 The electronic money balance information of the user identification card 19 corresponding to the user terminal 10 may not match.

Therefore, preferably, when the electronic money server 300 grasps the electronic money balance information of the corresponding user terminal 10, the electronic money corresponding to the user identification card 19 of the user terminal 10 from the service server 200. When the deduction request is received, the electronic money server 300 provides a balance confirmation request to the user terminal 10 for confirming the actual balance information of the electronic money held in the user terminal 10 to provide the balance information accordingly. It is preferable to receive a reply from the terminal 10 and grasp it.

Alternatively, the information on the user terminal 10, the information on the user identification card 19, the charge amount in the electronic money deduction request corresponding to the user identification card 19 of the user terminal 10 received from the service server 200. If the electronic money balance information stored in the user terminal 10 as well as the information is included, the electronic money server 300 extracts / recognizes the electronic money balance information stored in the user terminal 10 from the electronic money deduction request. The electronic money balance information of (10) may be obtained.

Accordingly, the electronic money server 300 checks whether the balance information of the user identification card 19 that is inquired / determined is greater than or equal to the requested amount of charge (S65), and if it is determined that the amount is higher than the user identification card corresponding to the amount of charge. (19) or provides a subtraction signal corresponding to the electronic money storage unit 13 provided in the user identification card 19 to the service server 200 (S70). Accordingly, the service server 200 provides the user terminal 10 with a subtraction signal returned from the electronic money server 300. Here, the deduction signal may include at least one of information about the user terminal 10, information about the user identification card 19, information about the electronic money storage unit 13, deduction amount information.

Accordingly, in the user terminal 10, the electronic money of the electronic money storage unit 13 will be deducted in response to the deduction amount information by the card controller 17 which receives the deduction signal through the user terminal 10 (S75). ). Then, the card control unit 17 will provide the subtraction completion signal to the service server 200 through the user terminal 10 when the electronic money deduction according to the deduction signal is completed (S78).

Therefore, the service server 200 provides the subtraction signal to the user terminal 10, and when the subtraction completion signal corresponding thereto is received, the subtraction completion signal is transmitted to the electronic money server 300 (S79), the requested charging In response to the amount of money to process the charge for the prepaid card function corresponding to the prepaid card module 15 of the user terminal 10 (S90). That is, in step S90, the service server 200 increases the balance information of the prepaid charge amount previously stored corresponding to the prepaid card module 15 to correspond to the charge amount, thereby performing the charging process for the prepaid card function. Then, the service server 200 preferably informs the user terminal 10 that the charging process is completed when the charging process for the prepaid card function is completed (S95). Thus, the user may recognize that the charging process is completed through the user terminal 10.

On the other hand, the electronic money server 300 receiving the deduction completion signal from the service server 200 in step S79 settles the balance information corresponding to the user identification card 19 based on the deduction completion signal by the amount of the charge. By requesting the / management server 100 (S80), the settlement / management server 100 can be settled / managed the balance information for the electronic money corresponding to the user identification card (19).

Hereinafter, the prepaid card charging method of the service server 200 will be described in detail with reference to FIG. 9.

Basically, the service server 200, the prepaid charge amount management unit 210 for storing information about the prepaid charge amount prepaid for each prepaid card function corresponding to the prepaid card function managed by the service server 200 Include. That is, the prepaid charge amount management unit 210 stores the balance information of the prepaid charge amount corresponding to the prepaid card module 15 of the user identification card 19 for each prepaid card module held by each user terminal. In addition, the prepaid charge amount management unit 210 increases or subtracts balance information on the prepaid card function corresponding to the prepaid card module 15 to settle information on the prepaid charge amount held by each user identification card. Can be managed

The service server 200 determines whether a call service connection is attempted according to a call received from the user terminal 10 (S100). When there is a call service connection from the user terminal 10, the service server 200 receives a request for charging for a prepaid card function using the electronic money in the user terminal 10 from the user terminal 10 through the call service. It is determined whether or not (S110).

Therefore, when a charge request for the prepaid card function is received, the service server 200 induces a connection to the server control unit 240 in the service server 200, specifically, the service server 200 for data communication rather than a call path. Provide the access information to the user terminal 10 (S120). Thus, the card control unit 17 of the user terminal 10 provided with the access information will access the server control unit 240 of the service server 200 based on the access information. In this case, the access information may be provided in various forms such as a callback URL or SMS or MMS.

As such, when the service server 200 provides a call service for charging the prepaid card function of the user terminal 10 using the electronic money in the user terminal 10, the user is guided through a simple telephone call for the call service. In accordance with the prepaid card can be charged for the function, this can be provided with the convenience to access the service server 200 conveniently.

When a charge for the prepaid card function of the user terminal 10 using the electronic money in the user terminal 10 is requested from the user terminal 10 connected based on the access information (S130), the service server 200 requests the charging. According to the request for the electronic money deduction of the electronic money of the user terminal 10 corresponding to the requested charge amount (S140). That is, the server control unit 240 of the service server 200 uses the electronic money in the electronic money storage unit 13 provided in the user identification card 19 from the card control unit 17 of the connected user terminal 10. When a charge request for a prepaid card function corresponding to the prepaid card module 15 is received, the electronic money deduction corresponding to the user identification card 19 corresponding to the requested charge amount is requested to the electronic money server 300. do.

As such, the service server 200 provides an electronic money deduction request for the user identification card 19 to the electronic money server 300, and when a corresponding deduction signal is received from the electronic money server 300, the corresponding user is received. Provided to the terminal 10 (S150).

Accordingly, the card control unit 17 of the user identification card 19 that receives the deduction signal through the user terminal 10 will deduct the electronic money in the electronic money storage unit 13 according to the deduction amount information of the deduction signal. . Then, the card control unit 17 will provide the subtraction completion signal to the service server 200 when the electronic money deduction according to the deduction signal is completed.

Accordingly, the service server 200 determines whether the deduction completion signal corresponding to the deduction signal is returned after providing the deduction signal to the user terminal 10 (S160), and if the deduction refund signal is returned, deducting the completion signal to the electronic money server. The prepaid charge amount of the prepaid charge amount management unit 210 for the prepaid card function corresponding to the prepaid card module 15 of the user identification card 19 and is delivered / provided to (300) (S170). By correspondingly increasing, the charging process for the prepaid card function is performed (S180).

The service server 200 preferably informs the user terminal 10 that the charging process is completed when the charging process for the prepaid card function is completed (S190). For example, the server controller 240 may provide the user terminal 10 with SMS, MMS, and e-mail indicating that the charging process for the prepaid card function is completed.

As described above, the prepaid card charging method using the electronic money according to the present invention, the user terminal 10 can easily request the charging for their prepaid card function using the electronic money stored in the user terminal 10. In connection with the service server 200 and the electronic money server 300, the service providing server 400 subtracts the electronic money stored in the user terminal 10, and correspondingly charges the corresponding prepaid card function. By processing, the user of the user terminal 10 having an integrated form with electronic money and prepaid card function can easily prepaid / charge the prepaid card function using the electronic money held in the user terminal 10. By doing so, it is possible to improve the inconvenience of the prepayment process for the conventional cumbersome prepaid card.

Meanwhile, referring to FIGS. 10 and 11, a prepaid card charging method using electronic money according to a second embodiment of the present invention will be described. Here, for the convenience of description, the configuration shown in FIGS. 5 to 7 described above will be described with reference to the corresponding reference numerals.

A user terminal 10 equipped with an electronic money storage unit 13 for storing electronic money and a user identification card 19 having a prepaid card function may be used for input from a user or at a specific event (eg, periodically or at a specific time). According to the arrival or request from the outside), it is possible to request the service providing server 800 to charge the prepaid card function using the electronic money in the electronic money storage unit 13 (S210 to S240).

For example, a user having a user terminal 10 sends a call to a call service operated by a service server 600 of a service providing server 800 to request a charge for a prepaid card function (S210). Call service from 600 may be provided (S215). Accordingly, the user terminal 10 operated by the user requests a charge for the prepaid card function using the electronic money in the electronic money storage unit 13 according to a call service from the service server 600. Provided in (S220).

In this case, the charging request may be provided in various ways depending on the type of call service, for example, the charging request may be provided to the service server 600 by the user speaking the charging amount and the charging request. The charging request may be provided to the service server 600 by the user keying in the charging amount and keying in the charging request according to the guide message of the call service.

Then, the user terminal 10, after requesting the charge request for the prepaid card function according to the call service from the service server 600, if the access information is provided from the service server 600 (S230), according to the access information Charging for the prepaid card function through communication between the user terminal 10 and the service provider server 800 by accessing the server, that is, the electronic money server 700 and providing the charging request to the electronic money server 700 (S240). Processing can be performed. At this time, step S240 is performed by the card control unit 17 of the user identification card 19 mounted in the user terminal 10, through the communication between the card control unit 17 and the service providing server 800 for the prepaid card function The filling process will be performed.

Here, the charge request provided by the card controller 17 to the service providing server 800 includes information on the user terminal 10, information on the user identification card 19, information on the prepaid card module 15, and charging. It may include at least one of the amount information, electronic money balance information stored in the user terminal (10).

As such, when a charge request for the prepaid card function of the user terminal 10 using the electronic money in the user terminal 10 is received, the electronic money server 700 of the service providing server 800 requests the charging. As a result, the balance information of the electronic money corresponding to the corresponding user identification card 19 is checked (S260).

Referring to step S260 by way of example, when a request for charging for a prepaid card function corresponding to the prepaid card module 15 of the user terminal 10 using electronic money in the user terminal 10 is received. In response, the electronic money server 700 requests the electronic money balance information of the corresponding user identification card 19 to the settlement / management server 100 and checks the balance information returned from the settlement / management server 100. The electronic money balance of the identification card 19 can be inquired. Of course, the electronic money server 700 may perform authentication on the corresponding user identification card 19 before the electronic money balance inquiry of the corresponding user identification card 19, the electronic money of the electronic money server 700 The certification performance in response to the deduction or increase request may adopt one of various existing certification performance methods.

Here, when the offline payment using the electronic money held in the user identification card 19 of the user terminal 10, the balance of the actual electronic money remaining in the user terminal 10 of the settlement / management server 100 The electronic money balance information of the user identification card 19 corresponding to the user terminal 10 may not match.

Therefore, the electronic money server 700 preferably prepaid the user terminal 10 using the electronic money in the user terminal 10 from the user terminal 10 in grasping the electronic money balance information of the user terminal 10. When the charge request for the prepaid card function corresponding to the card module 15 is received, the electronic money server 700 receives a balance check request for checking the actual balance information of the electronic money held in the user terminal 10. It is desirable to provide a (10) to receive the balance information according to the reply from the user terminal 10 to grasp.

Alternatively, if the electronic money balance information stored in the user terminal 10 is included in the charge request for the prepaid card function corresponding to the prepaid card module 15 of the user terminal 10 received from the user terminal 10, The money server 700 may grasp the electronic money balance information of the user terminal 10 by extracting / recognizing the electronic money balance information stored in the user terminal 10 from the charging request.

Accordingly, the electronic money server 700 checks whether the balance information of the electronic money corresponding to the inquiry / identification of the user identification card 19 is greater than or equal to the requested amount of charge (S265), and when it is confirmed that the amount is greater than or equal to the amount of charge, The corresponding user identification card 19 or the subtraction signal corresponding to the electronic money storage unit 13 provided in the user identification card 19 is provided to the user terminal 10 (S720). Here, the deduction signal may include at least one of information about the user terminal 10, information about the user identification card 19, information about the electronic money storage unit 13, deduction amount information.

Accordingly, in the user terminal 10, the electronic money of the electronic money storage unit 13 will be deducted in response to the deduction amount information by the card controller 17 which receives the deduction signal through the user terminal 10 (S275). ). Then, the card control unit 17 will provide the deduction completion signal to the electronic money server 700 through the user terminal 10 when the electronic money deduction according to the deduction signal is completed (S278).

Accordingly, the electronic money server 700 provides a subtraction signal to the user terminal 10 and then receives a subtraction completion signal corresponding to the prepaid card function corresponding to the prepaid card module 15 of the user terminal 10. The service server 600 requests a charging process corresponding to the charged amount (S285). Here, the charge processing request provided by the electronic money server 700 to the service server 600, information about the user terminal 10, information about the user identification card 19, information about the prepaid card module 15 It may include at least one of the charge amount information.

When the service server 600 of the service providing server 800 is requested to charge the prepaid card function corresponding to the prepaid card module 15 of the user terminal 10 from the electronic money server 700, such a charge processing In response to the request, the charge for the prepaid card function corresponding to the prepaid card module 15 of the user terminal 10 is processed in response to the charge amount (S290). That is, in step S290, the service server 600 increases the balance information of the prepaid charge amount previously stored corresponding to the prepaid card module 15 to correspond to the charge amount, thereby performing the charging process of the prepaid card function.

When the prepaid card function charging process is completed, the service server 600 preferably informs the user terminal 10 that the charging process is completed (S295).

On the other hand, the electronic money server 700 receiving the deduction completion signal from the user terminal 10 in step S278 deducts the electronic money balance information corresponding to the user identification card 19 by the amount of charges based on the deduction completion signal. Request to the settlement / management server 100 (S280), so that the settlement / management server 100 can settle / manage the balance information for the electronic money corresponding to the user identification card (19).

Hereinafter, the method of charging the prepaid card of the service server 600 will be described in detail with reference to FIG. 11.

Basically, the service server 600, the prepaid charge amount management unit 610 for storing the information about the prepaid charge amount prepaid for each prepaid card function corresponding to the prepaid card function managed by the service server 600 Include. That is, the prepaid charge amount management unit 610 stores the balance information of the prepaid charge amount corresponding to the prepaid card module 15 of the user identification card 19 for each prepaid card module held by each user terminal. In addition, the prepaid charge amount management unit 610 increases or subtracts balance information on the prepaid card function corresponding to the prepaid card module 15 to settle information on the prepaid charge amount held for each user identification card. Can be managed

The service server 600 determines whether a call service connection is attempted in response to a call received from the user terminal 10 (S300). When there is a call service connection from the user terminal 10, the service server 600 receives a request for charging a prepaid card function using the electronic money in the user terminal 10 from the user terminal 10 through the call service. It is determined whether or not (S310).

Therefore, when a charge request for the prepaid card function is received, the service server 600 provides the user terminal 10 with access information for inducing a connection to the electronic money server 700 for data communication instead of a call path ( S320). Accordingly, the card control unit 17 of the user terminal 10 provided with the access information accesses the electronic money server 700 on the basis of the access information, requests a charge for the prepaid card function, and deducts from the electronic money server 700. After subtracting the electronic money from the internal electronic money storage unit 13 according to the signal, the subtraction completion signal will be provided to the electronic money server 700. In this case, the access information may be provided in various forms such as a callback URL or SMS or MMS.

As such, when the service server 600 provides a call service for charging the prepaid card function corresponding to the prepaid card module 15 of the user terminal 10 using the electronic money in the user terminal 10, Through a simple telephone call for a call service, the user may request a charge for a prepaid card function according to the guidance, and thus may be conveniently provided with an access to the electronic money server 700.

In addition, the service server 600 determines whether a charge processing request for requesting the charging of a charge amount for the prepaid card function corresponding to the user terminal 10 is received from the electronic money server 700 (S330). When the charge processing request is received, the service server 600 charges the prepaid charge corresponding to the prepaid card module 15 of the user terminal 10 of the prepaid charge amount management unit 610 in response to the charge amount according to the charge processing request. The charge is increased by increasing the amount of money (S340). That is, the server control unit 640 of the service server 600, when the charge processing request is received from the electronic money server 700 receives the completion signal, the prepaid charge amount management unit 610 according to the received charge processing request The prepaid card function charging process is performed by increasing the balance information of the prepaid charge amount corresponding to the prepaid card module 15 of the user identification card 19 corresponding to the charge amount.

In addition, when the prepaid card function charging process is completed, the service server 600 preferably informs the user terminal 10 that the charging process is completed (S350). Of course, the service server 600 may notify the electronic money server 700 that the charging process is completed, so that the electronic money server 700 may deliver it to the user terminal 10.

As described above, the prepaid card charging method using the electronic money according to the present invention, the user terminal 10 can easily request the charging for their prepaid card function using the electronic money stored in the user terminal 10. In connection with the service server 600 and the electronic money server 700, the service providing server 800 subtracts the electronic money stored in the user terminal 10 and correspondingly charges the corresponding prepaid card function. By processing, the user of the user terminal 10 having an integrated form with electronic money and prepaid card function can easily prepaid / charge the prepaid card function using the electronic money held in the user terminal 10. By doing so, it is possible to improve the inconvenience of the prepayment process for the conventional cumbersome prepaid card.

Although the present invention has been described in detail with reference to preferred embodiments, the present invention is not limited to the above-described embodiments, and the technical field to which the present invention belongs without departing from the gist of the present invention as claimed in the following claims. Anyone skilled in the art will have the technical idea of the present invention to the extent that various modifications or changes are possible.

Allows the user terminal to easily request recharging of its prepaid card function using the electronic money stored in it, and the electronic money service center including the service providing server deducts the electronic money stored in the user terminal and responds to the corresponding prepaid card. Using the electronic money of the present invention, the user of the user terminal equipped with an integrated form of the user identification card equipped with the electronic money and the prepaid card function can easily charge the prepaid card function by processing the charging for the function. When the prepaid card charging system and the charging method are applied, it is possible to bring great progress in terms of efficiency of electronic money service using a terminal device, convenience of charging a prepaid card function, and user convenience. Not only is there a good chance that the server will be marketed or sold Since practical degree apparent to practice the invention in the industrial applicability.

1 is a control block diagram of a prepaid card charging system using electronic money according to a first embodiment of the present invention.

2 is a control block diagram of a user terminal according to the present invention.

3 is a control block diagram of an electronic money service center according to a first embodiment of the present invention.

4 is a control block diagram of a service server according to a first embodiment of the present invention.

5 is a control block diagram of a prepaid card charging system using electronic money according to a second embodiment of the present invention.

6 is a control block diagram of an electronic money service center according to a second embodiment of the present invention.

7 is a control block diagram of a service server according to a second embodiment of the present invention.

8 is a control flowchart of a prepaid card charging method using electronic money according to a first embodiment of the present invention.

9 is a control flowchart illustrating a prepaid card charging method of a service server according to a first embodiment of the present invention.

10 is a control flowchart of a prepaid card charging method using electronic money according to a second embodiment of the present invention.

11 is a control flowchart illustrating a prepaid card charging method of a service server according to a second embodiment of the present invention.

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

1: network 10: user terminal

500: Electronic Money Service Center

100: settlement / management server 200: service server

300: electronic money server 400: service providing server

Claims (20)

A user terminal having a prepaid card function and an electronic money and requesting charging for the prepaid card function using the electronic money; And When the charging request is received from the user terminal, a subtraction signal is provided to the user terminal to subtract the electronic money corresponding to the requested charging amount according to the charging request, and the user terminal prepaid in response to the charging amount. It includes an electronic money service center that handles the charging of the card function and provides the charging process to the user terminal, The electronic money service center, It is determined whether the charge request includes balance information of the electronic money stored in the user terminal. If the balance information is included, the balance signal is provided only when the balance information is greater than or equal to the charge amount. If the balance information is not included, the balance signal is requested to the user terminal and the balance signal is received only when the balance information received as a response to the balance information request is greater than or equal to the charged amount. Prepaid card charging system using electronic money, characterized in that provided. The method of claim 1, The user terminal, A prepaid card corresponding to the prepaid card module using the electronic money through communication with the electronic money storage unit for storing the electronic money, the prepaid card module for the prepaid rechargeable prepaid card function, and the electronic money service center Prepaid card charging system using electronic money, characterized in that it comprises a user identification card having a card control unit for performing a charging process of the function. Settlement / management server for setting / managing information about the electronic money held by each user terminal; And When a prepaid card function charge of the user terminal using the electronic money in the user terminal is requested from the user terminal, the charge is confirmed when the balance of the electronic money corresponding to the user terminal is equal to or larger than the requested charge amount according to the charging request. A service providing server providing a subtraction signal to the user terminal to subtract the electronic money in response to an amount of money, and processing a charge for a prepaid card function of the user terminal in response to the charge amount; The service providing server, It is determined whether the charge request includes a balance of electronic money stored in the user terminal. If the balance is included, the balance signal is provided when the balance is determined to be greater than or equal to the charged amount. If not included, the electronic money service center requesting the balance to the user terminal and providing the deduction signal only when the balance received as a response to the balance request is greater than or equal to the charge amount. . The method of claim 3, wherein The settlement / management server, Store balance information on the electronic money held for each user identification card included in each user terminal, and under the control of the service providing server, the balance information corresponding to the user identification card is increased or subtracted. Electronic Money Service Center. The method according to claim 3 or 4, The service providing server, In response to the request for deducting electronic money, the electronic money server provides a deduction signal corresponding to the charged amount when the electronic money balance of the user terminal is determined to be equal to or greater than a predetermined amount of charge; When the charge request is received from the user terminal, the electronic money server requests the electronic money deduction of the user terminal corresponding to the requested charging amount according to the charging request, and sends the deduction signal returned from the electronic money server. And a service server provided to the user terminal and processing a charge for the prepaid card function of the user terminal in response to the charge amount. The method according to claim 3 or 4, The service providing server, When the charge request is received from the user terminal, the electronic money balance of the user terminal is inquired, and when it is determined that the balance is equal to or greater than the requested charge amount, the deduction signal corresponding to the charged amount is provided to the user terminal, and An electronic money server requesting a charging process corresponding to the charged amount of the prepaid card function corresponding to a user terminal; And a service server for processing the charging for the prepaid card function of the user terminal in response to the charge processing request from the electronic money server. A prepaid charge amount management unit that stores / manages information on a prepaid charge amount corresponding to a prepaid card function held by each user terminal; And When the user terminal is requested to charge the prepaid card function of the user terminal using the electronic money in the user terminal, the electronic money deduction of the user terminal corresponding to the requested amount of charge according to the charging request is requested to an external electronic money server. And providing a deduction signal returned from the electronic money server to the user terminal, and increases the prepaid charge amount corresponding to the prepaid card function of the corresponding user terminal of the prepaid charge amount management unit in response to the charge amount to charge the processing. It includes a server control unit, The server control unit, It is determined whether the charge request includes balance information of the electronic money in the user terminal. If the balance information is included, the user corresponding to the charge amount is determined to be equal to or greater than the charge amount. If the electronic money deduction of the terminal is requested to the external electronic money server, and the balance information is not included, the balance information received as a response to the request for the balance information is requested by the user terminal. And requesting the external electronic money server to deduct the electronic money of the user terminal corresponding to the charged amount only when the value is greater than or equal to the amount. The method of claim 7, wherein The server control unit, When the deduction signal is received from the user terminal by providing the deduction signal to the user terminal, the deduction completion signal is provided to the electronic money server, and the prepaid card function of the prepaid charge amount management unit corresponds to the charge amount. And a charging process by increasing a corresponding prepaid charge amount, and notifying the user terminal that the charging process is completed when the charging process is completed. 9. The method according to claim 7 or 8, A call service unit which provides a call service according to a call reception from the user terminal and receives a charge of the prepaid card function using the electronic money in the user terminal from the user terminal through a call service; And When the charge request is received through the call service unit, the service server further comprises a connection information providing unit for providing the user terminal with the connection information to induce connection to the server control unit. A prepaid charge amount management unit that stores / manages information on a prepaid charge amount corresponding to a prepaid card function held by each user terminal; A call service unit that provides a call service according to a call received from a user terminal and receives a prepaid card function charging of the user terminal using electronic money in the user terminal from a user terminal through a call service; A connection information providing unit providing the user terminal with access information for inducing a connection to an external electronic money server when the charging request is received through the call service unit; And When the electronic money server receives a charging processing request for a charging processing corresponding to a predetermined charging amount for a prepaid card function corresponding to the user terminal, the prepaid charging amount corresponding to the charging amount according to the charging processing request. It includes a server control unit for increasing the prepaid charge amount corresponding to the prepaid card function of the management unit to charge processing, The server control unit, The electronic money server determines whether the charge request includes balance information of the electronic money in the user terminal. If the balance information is included, the electronic money server determines that the balance information is greater than or equal to the charged amount. If the charge processing request is received from a server and the balance information is not included, the balance information is requested to the user terminal and the balance information received as a response to the balance information request is greater than or equal to the charge amount. Only in this case, the service server, characterized in that for receiving the charge processing request from the electronic money server. Requesting the user terminal having a prepaid card function and an electronic money to charge the prepaid card function using the electronic money; When the charge request is received from the user terminal, providing a subtraction signal to the user terminal so that the electronic money service center deducts the electronic money corresponding to the requested charge amount according to the charge request; The electronic money service center processes the charging for the prepaid card function of the user terminal in response to the charge amount, and notifying the user terminal of the completion of the charging process, Providing the subtraction signal, The electronic money service center determines whether the charge request includes balance information of the electronic money stored in the user terminal. If the balance information is included, the balance information is determined to be greater than or equal to the charged amount. If the balance signal is provided and the balance information is not included, the balance information is requested to the user terminal and the balance information received as a response to the balance information request is greater than or equal to the charge amount. A prepaid card charging method using electronic money, characterized in that to provide a deduction signal. The method of claim 11, The user terminal requesting a charge for the prepaid card function, The user terminal having an electronic money storage unit for storing the electronic money and a prepaid card module for the prepaid rechargeable card function, uses the call service of the electronic money service center to make a call using the call service of the electronic money service center. Prepaid card charging method using electronic money, characterized in that for requesting the charge for the prepaid card function. Storing / managing information on the electronic money held by each user terminal in a settlement / management server; And The service providing server, which is requested to charge the prepaid card function of the user terminal using the electronic money in the user terminal from the user terminal, confirms that the balance of the electronic money corresponding to the user terminal is greater than the requested charging amount according to the charging request. And providing a subtraction signal to the user terminal to subtract the electronic money in response to the charge amount, and processing a charge for the prepaid card function of the user terminal in response to the charge amount. The charging of the prepaid card function of the user terminal may include: The service providing server determines whether the charge request includes a balance of electronic money stored in the user terminal, and if the balance is included, the user terminal is determined to be equal to or greater than the charged amount. If the balance is provided and the balance is not included, the user terminal requests the balance from the user terminal and the balance is received when the balance is greater than or equal to the charge amount. Prepaid card charging method of the electronic money service center, characterized in that for providing the deduction signal. The method of claim 13, The settlement / management server, Store balance information on the electronic money held for each user identification card included in each user terminal, and under the control of the service providing server, the balance information corresponding to the user identification card is increased or subtracted. How to charge a prepaid card at an electronic money service center. The method according to claim 13 or 14, Processing the charging for the prepaid card function, Requesting, by the service server of the service providing server to receive the charge request from the user terminal, the electronic money deduction of the user terminal corresponding to the requested charge amount according to the charge request; Determining, by the electronic money server of the service providing server receiving the electronic money deduction request, whether the electronic money balance of the corresponding user terminal is equal to or greater than a predetermined recharge amount according to the deduction request; Providing a subtraction signal corresponding to the charged amount by the electronic money server when the charged amount is more than the remaining amount; And providing, by the service server, the deduction signal returned from the electronic money server to the user terminal, and processing the charging of the prepaid card function of the user terminal in response to the charge amount. How to charge a prepaid card at a money service center. The method according to claim 13 or 14, Processing the charging for the prepaid card function, Determining, by the electronic money server of the service providing server receiving the charge request from the user terminal, whether the electronic money balance of the user terminal is equal to or greater than a predetermined amount of charge; The electronic money server provides a deduction signal corresponding to the charged amount to the user terminal when the charged amount is more than the balance, and requests a charging process corresponding to the charged amount of the prepaid card function corresponding to the user terminal. To do that, The service server of the service providing server receiving a request for recharging from the electronic money server, processing recharging of the prepaid card function of the user terminal in response to the recharging amount according to the recharging request; How to charge the prepaid card of the electronic money service center. Storing / managing information on a prepaid charge amount corresponding to a prepaid card function held by each user terminal; When the user terminal is requested to charge the prepaid card function of the user terminal using the electronic money in the user terminal, requesting the external electronic money server to deduct the electronic money of the user terminal corresponding to the requested charge amount according to the charging request step; Providing a deduction signal returned from the electronic money server to the user terminal, and increasing and precharging a pre-stored precharge amount corresponding to the prepaid card function in response to the charge amount; The charging process, The electronic money server determines whether the charge request includes balance information of electronic money stored in the user terminal. If the balance information includes the balance information, the electronic money server determines that the balance information is greater than or equal to the charged amount. If the balance signal returned from the money server is provided to the user terminal, and the balance information is not included, the balance information received as a response to the balance information request is requested to the user terminal. A method of charging a prepaid card of a service server, characterized in that the user terminal provides the deduction signal returned from the electronic money server only when it is greater than or equal to a charged amount. The method of claim 17, The charging process, Providing the subtraction signal to the user terminal to determine whether a subtraction completion signal is received from the user terminal; When the subtraction completion signal is received, providing the subtraction completion signal to the electronic money server and increasing the prepaid precharge amount corresponding to the prepaid card function of the user terminal in response to the charge amount to charge processing; , And informing the user terminal that the charging process is completed when the charging process is completed. The method of claim 17 or 18, Requesting an external electronic money server from the electronic money deduction of the user terminal, Providing a call service according to a call received from the user terminal, and determining whether a request for charging the prepaid card function using electronic money in the user terminal is received through the call service; Providing the user terminal with access information for inducing a connection to a service server when the charge request is received through the call service; Requesting the electronic money server for the electronic money deduction of the user terminal corresponding to the requested charging amount according to the charging request from the user terminal connected through the connection information. How to charge your prepaid card. Storing / managing information on a prepaid charge amount corresponding to a prepaid card function held by each user terminal; Providing a call service according to a call received from a user terminal, and receiving a prepaid card function charging request of the user terminal using electronic money in the user terminal from the user terminal through a call service;  If the charge request is received through the call service, providing access information to the user terminal to induce a connection to an external electronic money server; When the electronic money server receives a charging processing request for requesting a charging process corresponding to a predetermined charging amount of a prepaid card function corresponding to the user terminal, the electronic card server responds to the prepaid card function in response to the charging amount. Increasing the corresponding pre-stored precharge amount corresponding to the charging process; The charging process, The electronic money server determines whether the charge request includes balance information of electronic money stored in the user terminal. If the balance information includes the balance information, the electronic money server determines that the balance information is greater than or equal to the charged amount. When the charge processing request is received from a money server and the balance information is not included, the balance information is requested to the user terminal and the balance information received as a response to the balance information request is greater than the charge amount. In the same case, the prepaid card charging method of the service server, characterized in that for receiving the charge processing request from the electronic money server.

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