KR101227094B1 - Prepaid card activation processing system - Google Patents

Abstract

PURPOSE: A system for processing the activation of an prepaid electronic payment unit is provided to activate or inactivate the prepaid electronic payment unit in real time by using an ID recognition terminal in an offline store. CONSTITUTION: A prepaid card includes a scratched ID number. An ID number obtaining unit(210) obtains the ID number of the prepaid card. A money information extracting unit(220) extracts residual money information and sales money information matched with the ID number. An activation induction notifying unit(230) notifies activation induction when activation induction notification information is received. [Reference numerals] (210) ID number obtaining unit; (220) Money information extracting unit; (230) Activation induction notifying unit

Description

Prepaid Card Activation Processing System

The present invention relates to a prepaid electronic payment means activation processing system, and more particularly, various prepaid cards and gift certificates, gift cards that are provided in the offline stores to facilitate the sale of various prepaid cards and gift certificates, gift cards in offline stores. Credit card terminal, POS terminal, receipt-only terminal, prepaid card terminal, as well as program terminal, scanless terminal, QR code recognition terminal, barcode reader, magnetic reader, smart phone application (APP) identification Regarding the prepaid electronic payment means activation processing system for enabling the customer to perform small-scale payment or item purchase, online music purchase, movie and video content purchase, etc. through real-time activation processing in handwriting input, etc. will be.

Prepaid Cards have been developed to be used within a certain amount of money for certain goods or services, such as Internet game cards, gift certificates, receipt cards using computers and terminals, in addition to telephone cards.

The prepaid card has a type in which an identification number is printed on a card made of plastic and paper.

These prepaid cards have a special strength treatment during manufacture to prevent them from being broken or damaged during distribution.

Prepaid card is a method of selecting the prepaid card company purchased at the time of payment and entering the identification number printed on the prepaid card when purchasing items and paid contents on the Internet site to be used. Sell.

On the other hand, the prepaid card protects the identification number by the scratch, but if there is no scratch can be used only online, merchants that handle prepaid cards, that is, it can not be used offline.

In particular, if the scratch part is damaged due to one's own mistake, it cannot be used offline and cannot be exchanged or refunded at the place of purchase.

In addition, in the case of a prepaid card issued in the form of a receipt at the convenience store has already been exposed to the risk of exposure of the identification number and loss of receipt because the activated identification number is printed on the receipt.

In addition, it could not be stored for a long time due to the characteristics of the thermal paper which is a receipt paper.

Therefore, in the case of the prepaid card, it is possible to promote sales by display in the store, and to store and distribute it for a long time, and to guarantee safety even if the prepaid card is lost and the identification number is exposed in the pre-activation state. It was necessary to provide a prepaid card that could be used regardless of whether the scratch part was damaged online and offline at the time of purchase.

Meanwhile, in the case of the prepaid card, after the customer used it at the offline merchant, the prepaid card issuer collected the gift certificate used at the offline merchant and paid the settlement price through the offline merchant and the ambassador.

In addition, when the scratch part was damaged during the recovery process, troublesome metabolism occurred.

This has caused a prepaid card issuer to pay a large amount of money to collect the prepaid card, which adversely affects the expansion of the prepaid card business and a worsening of profits.

Therefore, in the case of prepaid cards used offline, the issuer and provider were spending the hassle and cost of collecting, paying, and exchanging them.Therefore, it is necessary to reduce the collection, settlement, and exchange costs, and to improve reliability with merchants. there was.

In addition, the once-used prepaid card has limitations in use other than the method of returning the remaining amount in cash, and it has a problem that it is impossible to make small payments. It became.

In addition, there is a need for a prepaid card that can maximize profits for the providers and CPs (Contents Providers) affiliated with the providers and maximize the advertising effect of their products and provide customer promotions.

In addition, in the case of the existing prepaid card, the sales are made at the retailer, which has already been activated, and in the case of theft and loss, the damage of the shop owner is increased so that the number of dealers avoiding the handling of the prepaid card is increasing. As a result, there is a need for a distribution system that can display and sell various prepaid cards and gift certificates to customers.

In addition, in the case of a receipt form prepaid card issued using a computer and a terminal, it was not possible to use it offline, but an identification number recognition terminal (bar code reader, magnetic reader, QR code reader, unmanned scan terminal, smartphone, etc. configured in an offline store) Application, identification number handwriting input, etc.), as well as on-line as well as offline stores need a system that allows a small payment.

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Accordingly, the present invention has been proposed in view of the problems of the prior art as described above, and an object of the present invention is an identification number recognition terminal (bar code reader, magnetic reader, QR code reader, unmanned scanning terminal, smart phone application, By using the identification number handwriting input, etc.), the prepaid electronic payment means is activated or deactivated in real time to enable payment in various online and offline places of use.

Another object of the present invention is to enable the real-time activation or deactivation process of the prepaid electronic payment means also through the application (APP) of the smart phone held by the customer.

Still another object of the present invention is to enable activation or deactivation processing by manually inputting an identification number when an activation request is not smooth in an offline store or a smart phone application of a customer.

Another object of the present invention is to eliminate the process of collecting and exchanging the prepaid card used in the offline merchants, so that the prepaid card, gift certificate, gift card issuer prevents the expense to expand the business and strengthen the profit structure.

Another object of the present invention is to improve the inconvenience of retailers and customers through the activation and deactivation retry processing for prepaid cards, gift certificates, gift cards that are not made in real time activation or deactivation process of prepaid electronic payment means. have.

Another object of the present invention is to form a management number in the prepaid electronic payment means to query whether or not to use the prepaid card regardless of whether the scratch is damaged or not, so as to obtain the use of the prepaid card. have.

Another object of the present invention is to use the identification number and the magnetic without removing the prepaid card from the wrapping paper through the process of tomson (tomson) processing on the third place of the wrapping paper of the prepaid card to facilitate the recognition of the identification number This is to enable the activation and deactivation process, which does not cause damage to the wrapping paper, thereby providing the gift function of the corresponding prepayment means.

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Another object of the present invention is a small amount by adding up the remaining balance on the card selected by the customer to the remaining balance used by the customer in the case of a family-use Gift card, etc. (hereinafter, referred to as a 'package gift certificate') purchased by the customer. It is to provide for payment.

Still another object of the present invention is to provide a prepaid card in the form of a receipt issued using a computer and a terminal and a gift card that provides various product advertisements and customer promotions that cannot be provided. (Contents Provider) companies to maximize profits and advertising effects.

In order to achieve the object of the present invention,

Prepaid electronic payment means activation processing system according to an embodiment of the present invention,

A prepaid electronic payment means (prepaid card 100) in which an identification number is scratched;

Acquisition of the identification number included in the prepaid electronic payment means (prepaid card), extraction of the sales amount information and remaining amount information corresponding to the identification number, identification number recognition terminal for informing the activation when the activation induction notification information is received 200;

An account management server 300 for receiving the affiliate information, the type information and the amount information from the identification number recognition terminal, generating a unique virtual account, and providing the management server with an activation request signal including a transaction number;

An activation operation server 500 for extracting and activating affiliate information from the information transmitted from the account operation server to provide the management server with activation and deactivation processing of the corresponding prepaid electronic payment means;

A management server 400 for acquiring the activation request signal from the account operation server and the activation operation server, and for activating and managing the activation and deactivation process of the prepaid electronic payment means;

Activation retransmission for reactivating activation and deactivation messages for the prepaid electronic payment means that are not activated and generating notification information for not being activated when the identification number transmitted from the identification number recognition terminal is not extracted. It is configured to include a server (600) to solve the problems of the present invention.

Prepaid electronic payment means activation processing system according to the present invention having the above configuration and action,

In addition to POS terminals, not only credit card terminals, receipt-only terminals, prepaid card ticket terminals, but also real-time activation is possible through program terminals, unmanned scan terminals, magnetic readers, barcode readers, QR code readers, and smartphone applications. Through various prepaid cards and gift certificates, it is possible to make small payments and / or item purchases, online music purchases, movie and video content purchases at online payment sites and offline use sites.

In addition, the prepaid electronic payment method (prepaid card) uses identification numbers and magnetics without removing the prepaid card from the wrapping paper through a tomson treatment at one-third of individual wrapping papers to facilitate activation at the point of sale. It provides a function that can be activated and deactivated.

In addition, the prepaid electronic payment means is produced and displayed in individual packaging so as to maximize the product advertising effect of the provider, CP companies affiliated with the provider, and is produced in the form of attaching a prepaid card to the individual packaging, such as large marts, Convenience stores, cell phone stores, PC rooms, stationery stores, bookstores, electronics stores, etc. are sold, thereby providing more sales promotion and various customer promotions.

1 is an overall configuration of a prepaid electronic payment means activation processing system according to an embodiment of the present invention.
Figure 2 is a block diagram of the identification number recognition terminal of the prepaid electronic payment means activation processing system according to an embodiment of the present invention.
Figure 3 is a block diagram of a management server of the prepaid electronic payment means activation processing system according to an embodiment of the present invention.
Figure 4 is a block diagram of the activation retransmission server of the prepaid electronic payment means activation processing system according to an embodiment of the present invention.
Figure 5 is an exemplary view showing a broken line processing of the prepaid electronic payment means of the prepaid electronic payment means activation processing system according to an embodiment of the present invention.
6 is an exemplary view showing an example of a package voucher of the prepaid electronic payment means of the prepaid electronic payment means activation processing system according to an embodiment of the present invention.

The prepaid electronic payment means activation processing system according to an embodiment of the present invention for achieving the above object,

A prepaid electronic payment means (prepaid card 100) in which an identification number is scratched;

Acquisition of the identification number included in the prepaid electronic payment means (prepaid card), extraction of the sales amount information and remaining amount information corresponding to the identification number, identification number recognition terminal for informing the activation when the activation induction notification information is received 200;

An account management server 300 for receiving the affiliate information, the type information and the amount information from the identification number recognition terminal, generating a unique virtual account, and providing the management server with an activation request signal including a transaction number;

An activation operation server 500 for extracting and activating affiliate information from the information transmitted from the account operation server to provide the management server with activation and deactivation processing of the corresponding prepaid electronic payment means;

A management server 400 for acquiring the activation request signal from the account operation server and the activation operation server, and for activating and managing the activation and deactivation process of the prepaid electronic payment means;

Activation retransmission for reactivating activation and deactivation messages for the prepaid electronic payment means that are not activated and generating notification information for not being activated when the identification number transmitted from the identification number recognition terminal is not extracted. Server 600; characterized in that comprises a.

At this time, the identification number recognition terminal 200,

Identification number acquisition unit 210 for obtaining the identification number included in the prepaid electronic payment means (prepaid card),

An amount information extracting unit 220 for extracting selling amount information and remaining amount information corresponding to the identification number extracted by the identification number obtaining unit;

When the activation induction notification information is received by the identification number obtained by the identification number acquisition unit, it characterized in that it comprises an activation induction notification unit 230 for informing the activation induction.

At this time, the management server 400,

Server information transmission unit 410 for transmitting the sales amount information and the remaining amount information extracted by the amount information extraction unit to the identification number recognition terminal, or if it is not activated to transmit the activation guidance notification information to the identification number recognition terminal;

A deactivation induction information generation unit 420 for canceling the activation process through the identification number activated by the server information transmission unit;

A deactivation server information transmission unit 430 for transmitting an identification number deactivated by the deactivation induction information generation unit;

It comprises a prepaid electronic payment means information database 440 for storing the activated identification number, the sale amount information, the remaining amount information of the issued prepaid electronic payment means.

At this time, the activation retransmission server 600,

An activation induction information generation unit 610 for generating notification information for informing that the identification number transmitted from the identification number recognition terminal is not activated, and

An activation retransmission information database 620 for storing the identification number, the sale amount information, and the remaining amount information which are not activated;

And a retransmission processing unit 630 for retrying the activation and deactivation message for the prepaid electronic payment means that is not activated in the activation induction information generation unit.

At this time, the management server 400,

When the activation request is not smooth in the offline store or smart phone application, it is characterized in that the activation or deactivation process to input the identification number manually.

At this time, the prepaid electronic payment means (prepaid card, 100),

Regardless of whether the scratch is damaged or not, it is characterized in that the management number is formed in the same way as the identification number so that the use of the prepaid card can be inquired.

At this time, the prepaid electronic payment means (prepaid card, 100),

In order to facilitate identification number recognition, it is characterized in that the activation and deactivation process is performed using the identification number and the magnetic, without tearing off the wrapping paper by performing a line treatment.

At this time, the management server 400,

It is characterized in that the customer manages the activation app to enable the prepaid electronic payment means to activate or deactivate in real time on your smartphone.

At this time, the account management server 300,

In the case of the package gift certificate, the remaining balance is added to the card selected by the user with respect to the remaining balance, thereby enabling a small settlement.

Hereinafter, the embodiment of the prepaid electronic payment means activation processing system according to the present invention will be described in detail.

1 is an overall configuration of a prepaid electronic payment means activation processing system according to an embodiment of the present invention.

As shown in Figure 1, the prepaid electronic payment means activation processing system according to an embodiment of the present invention,

A prepaid electronic payment means (prepaid card) 100 in which an identification number is scratched;

Acquisition of the identification number included in the prepaid electronic payment means (prepaid card), extraction of the sales amount information and remaining amount information corresponding to the identification number, identification number recognition terminal for informing the activation when the activation induction notification information is received 200;

An account management server 300 for receiving the affiliate information, the type information and the amount information from the identification number recognition terminal, generating a unique virtual account, and providing the management server with an activation request signal including a transaction number;

An activation operation server 500 for extracting and activating affiliate information from the information transmitted from the account operation server to provide the management server with activation and deactivation processing of the corresponding prepaid electronic payment means;

A management server 400 for acquiring the activation request signal from the account operation server and the activation operation server, and for activating and managing the activation and deactivation process of the prepaid electronic payment means;

Activation retransmission for reactivating activation and deactivation messages for the prepaid electronic payment means that are not activated and generating notification information for not being activated when the identification number transmitted from the identification number recognition terminal is not extracted. Server 600; will be configured to include.

The identification number recognition terminal 200 obtains the identification number included in the prepaid electronic payment means (prepaid card), extracts the sales amount information and the remaining amount information corresponding to the identification number, and when the activation induction notification information is received Induce activation.

Figure 2 is a block diagram of the identification number recognition terminal of the prepaid electronic payment means activation processing system according to an embodiment of the present invention.

As shown in Figure 2, the identification number recognition terminal 200,

Identification number acquisition unit 210 for obtaining the identification number included in the prepaid electronic payment means (prepaid card),

An amount information extracting unit 220 for extracting selling amount information and remaining amount information corresponding to the identification number extracted by the identification number obtaining unit;

When the activation induction notification information is received by the identification number obtained by the identification number acquisition unit is configured to include an activation induction notification unit 230 for informing the activation induction.

That is, the identification number acquisition unit 210 obtains the identification number included in the prepaid electronic payment means (prepaid card), and the sale corresponding to the identification number extracted by the identification number acquisition unit in the amount information extraction unit 220. The amount information and the remaining amount information are extracted.

In addition, the activation induction notification unit 230 informs the activation induction when the activation induction notification information is transmitted from the management server by the identification number obtained by the identification number acquisition unit.

The account management server 300 receives the partner information, the type information (meaning the type of the card) and the amount of information from the identification number recognition terminal to generate a unique virtual account generated after the activation request including the transaction number Signals will be provided to the management server and activation operating server.

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In addition, the activation operation server 500 extracts the affiliate information from the information sent from the account management server to approve the activation to provide the management server with the activation and deactivation processing of the corresponding prepaid electronic payment means.

In addition to the activation, the reason for the deactivation process is a configuration for enabling the activation or deactivation process by inputting an identification number by hand when an activation request is not smooth in an offline store or a smart phone application of a customer.

At this time, the management server 400 obtains the activation request signal from the account management server and the activation management server to activate and manage the activation and deactivation of the prepaid electronic payment means.

Figure 3 is a block diagram of a management server of the prepaid electronic payment means activation processing system according to an embodiment of the present invention.

As shown in Figure 3, the management server 400,

Server information transmission unit 410 for transmitting the sales amount information and the remaining amount information extracted by the amount information extraction unit to the identification number recognition terminal, or if it is not activated to transmit the activation guidance notification information to the identification number recognition terminal;

A deactivation induction information generation unit 420 for canceling the activation process through the identification number activated by the server information transmission unit;

A deactivation server information transmission unit 430 for transmitting an identification number deactivated by the deactivation induction information generation unit;

It comprises a prepaid electronic payment means information database 440 that stores the activated identification number, the sale amount information, the remaining amount information of the issued prepaid electronic payment means.

The server information transmission unit 410 transmits the sales amount information and the remaining amount information extracted by the amount information extraction unit to the identification number recognition terminal, or if not activated to transmit the activation induction notification information to the identification number recognition terminal. do.

In addition, the deactivation induction information generating unit 420 performs the cancellation processing of the activation process through the identification number activated by the server information transmission unit.

This is to be deactivated to enter the identification number manually when the activation request is not smooth through the offline store or the customer's smartphone application.

In addition, the deactivation server information transmission unit 430 transmits the identification number deactivated by the deactivation induction information generation unit.

On the other hand, the prepaid electronic payment means information database 440 is separately configured and managed, which stores the activated identification number of the issued prepaid electronic payment means, sales amount information, and remaining amount information.

The activation retransmission server 600 generates notification information for notifying that the identification number transmitted from the identification number recognition terminal is not activated, and activates and deactivates the entire preamble electronic payment means. It will retry.

This is to improve the inconvenience of retailers and customers through reactivation and deactivation of prepaid cards, gift certificates, and gift cards that do not undergo real-time activation or deactivation of prepaid electronic payment means.

Figure 4 is a block diagram of the activation retransmission server of the prepaid electronic payment means activation processing system according to an embodiment of the present invention.

Activation retransmission server 600,

An activation induction information generation unit 610 for generating notification information for informing that the identification number transmitted from the identification number recognition terminal is not activated, and

An activation retransmission information database 620 for storing the identification number, the sale amount information, and the remaining amount information which are not activated;

It comprises a retransmission processing unit 630 for retrying the activation and deactivation message for the prepaid electronic payment means that is not activated in the activation induction information generation unit.

The activation induction information generation unit 610 generates notification information for informing that the activation number is not activated when the identification number transmitted from the identification number recognition terminal is not extracted and is not activated in the activation retransmission information database 620. The identification number, sales amount information, and remaining amount information are stored.

In addition, the retransmission processing unit 630 is configured to retry the activation and deactivation message for the prepaid electronic payment means not activated in the activation induction information generation unit.

On the other hand, the prepaid electronic payment means (prepaid card, 100) of the present invention has a management number (for example, a bar code) is formed in the same manner as the identification number to be able to inquire whether the prepaid card is used regardless of whether the scratch is damaged or not. And, when obtaining it from the identification number recognition terminal 200 it is possible to query whether or not to use.

In addition, as shown in Figure 5, the prepaid electronic payment means 100 of the present invention is activated by using the identification number and magnetic, without tearing off the wrapping paper to the wrapping paper to facilitate identification number recognition And deactivation.

In other words, through the process of tomson (tomson) on the wrapping paper of the prepaid card to enable the activation and deactivation process using the identification number and the magnetic without removing the prepaid card from the wrapping paper.

As a result, the damage of the wrapping paper does not occur, thereby providing a gift function of the corresponding prepaid card.

On the other hand, the management server 400 is to manage the activation app for enabling the customer to activate or deactivate the prepaid electronic payment means in real time on the smartphone possessed by the customer.

This is to manage the activation app in the management server in order to enable the real-time activation or deactivation process of the prepaid electronic payment means through the application (APP) of the smart phone held by the customer.

In addition, as described above, managing balance information eliminates the process of collecting and exchanging prepaid cards used in offline merchants, preventing prepaid cards, gift certificates, and gift card issuers from spending expenses, thereby enhancing business expansion and profit structure. Will provide a possible effect.

On the other hand, as shown in Figure 6, in the case of a family-use Gift card, etc. (hereinafter referred to as 'package gift certificate') purchased by the customer, the remaining balance on the card selected by the customer is added to the remaining balance used by the customer again. It can be provided to make small payments.

Through the above configuration and operation, not only POS terminal, credit card terminal, receipt-only terminal, prepaid card ticketing terminal, but also real-time through application of program terminal, unmanned scanning terminal, magnetic reader, barcode reader, QR code reader, smart phone. By being able to be activated, various prepaid cards and gift certificates provided in offline stores provide the effect of making small payments and / or item purchases, online music purchases, and movie and video content purchases at online payment sites and offline locations.

It will be appreciated by those skilled in the art that the present invention may be embodied in other specific forms without departing from the spirit or essential characteristics thereof. Therefore, the above-described embodiments are to be understood as illustrative in all respects and not restrictive.

The scope of the invention is indicated by the following claims rather than the above description, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included in the scope of the invention. do.

100: prepaid electronic payment means
200: identification number recognition terminal
300: account management server
400: management server
500: active operation server
600: active retransmission server

Claims (9)

In the prepaid electronic payment means activation processing system,
A prepaid electronic payment means (prepaid card 100) in which an identification number is scratched;
Identification number acquisition unit 210 for obtaining the identification number included in the prepaid electronic payment means (prepaid card),
An amount information extracting unit 220 for extracting selling amount information and remaining amount information corresponding to the identification number extracted by the identification number obtaining unit;
An identification number recognition terminal (200) configured to include an activation induction notification unit (230) for informing activation when an activation induction notification information is received by the identification number obtained by the identification number acquisition unit;
Account management server 300 for receiving the partner information, card type information and amount information from the identification number identification terminal to generate a unique virtual account and provide the activation request signal including the transaction number to the management server. Wow;
An activation operation server 500 for extracting and activating affiliate information from the information transmitted from the account operation server to provide the management server with activation and deactivation processing of the corresponding prepaid electronic payment means;
Server information transmission unit 410 for transmitting the sales amount information and the remaining amount information extracted by the amount information extraction unit to the identification number recognition terminal, or if it is not activated to transmit the activation guidance notification information to the identification number recognition terminal;
A deactivation induction information generation unit 420 for canceling the activation process through the identification number activated by the server information transmission unit;
A deactivation server information transmission unit 430 for transmitting an identification number deactivated by the deactivation induction information generation unit;
A management server 400 including a prepaid electronic payment means information database 440 for storing the activated identification number of the issued prepaid electronic payment means, sales amount information, and remaining amount information;
An activation induction information generation unit 610 for generating notification information for informing that the identification number transmitted from the identification number recognition terminal is not activated, and
An activation retransmission information database 620 for storing the identification number, the sale amount information, and the remaining amount information which are not activated;
And an activation retransmission server 600 including a retransmission processing unit 630 for retrying the activation and deactivation message for the prepaid electronic payment means that is not activated in the activation induction information generation unit.
The prepaid electronic payment means (prepaid card, 100),
Regardless of whether the scratch is damaged or not, the management number is printed on the outside in the same way as the identification number so that the user can use the prepaid card.
The management server 400,
The prepaid electronic payment means activation processing system, characterized in that for managing the activation app to enable the customer to have a prepaid electronic payment means activated or deactivated in real time on a smartphone.
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The prepaid electronic payment means (prepaid card, 100),
A prepaid electronic payment means activation processing system, characterized in that the activation process and deactivation using the identification number and the magnetic, without removing the packaging from the wrapping paper to facilitate identification number recognition.

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