KR102255572B1 - A deffered payment type prepaid card service providing method based on HCE - Google Patents

Abstract

The present invention relates to a method of providing a postpaid prepaid mobile card service based on an HCE technique, and more particularly, by providing a postpaid prepaid mobile card service based on the HCE technique, card information is transferred to the cloud rather than a SIM chip of a mobile terminal. By storing in, the present invention relates to a method of providing a postpaid prepaid mobile card service based on an HCE technique capable of providing a service through the operation of a mobile application irrespective of the presence or absence of a SIM chip of a mobile terminal or an operation state.

Description

A deffered payment type prepaid card service providing method based on HCE}

The present invention relates to a method of providing a postpaid prepaid mobile card service based on a host card emulation (HCE) technique, and more particularly, a postpaid prepaid based on an HCE technique capable of deferring the amount of use of a prepaid mobile card as a credit card price. It relates to a method of providing a mobile card service.

The prepaid card refers to a card that can be used to pay for goods or services using the charged amount, and that can be used at a prepaid card affiliated store as much as the charged amount after charging the card.

In particular, in the related art, a technology for using a prepaid card through a mobile by storing card information in a sim of a mobile terminal or installing a card company's application in a mobile terminal has been proposed.

Conventionally, when a mobile card receives a request for a prepaid card payment for a transaction amount from a terminal, the transaction request amount is paid for the prepaid card payment function. In addition, the mobile terminal receives a charge from the prepaid card company server for the total transaction amount paid by the prepaid card payment function, and the prepaid card company server requests the credit card company server to purchase the payment details of the corresponding amount.

For example, in Korean Patent No. 10-1851325 ("A method of credit payment for the amount of prepaid mobile electronic money using credit card pre-approval charging"), after performing a prepaid card payment function using a mobile card, each There is a problem that excessive computational amount and excessive communication amount occur because the balance information is received from the mobile terminal of and calculated the difference by the amount used and charged only by the difference amount.

That is, in processing the purchase request from the prepaid card company server, after receiving the balance information from all mobile cards (mobile terminals), it is necessary to calculate the difference to be charged by the used amount, so the amount of excessive communication with all mobile cards and In addition, an excessive amount of computation is generated to calculate the difference between all mobile cards.

In addition, as described above, since card information related to the SIM of the mobile terminal has been stored, mobile terminals such as foreign phones that cannot install a SIM cannot receive such services at all, and the SIM is damaged or broken. There were many problems because the security of the transaction information could not be guaranteed in the event of a problem.

Domestic registration patent No. 10-1851325 (registration date 2018.04.17.)

The present invention was conceived to solve the problems of the prior art as described above, it is possible to provide a postpaid prepaid mobile card service through a mobile card regardless of whether the mobile terminal is equipped with a SIM chip. A method of providing postpaid prepaid mobile card service based on HCE technique that can significantly reduce the amount of computation by collecting payment details from the central server of the affiliated store that integrates the mobile card and the payment terminal that performed the payment and sends it to the server of the prepaid card company. To provide.

A method of providing a postpaid prepaid mobile card service based on an HCE technique according to an embodiment of the present invention includes a mobile terminal installed with a mobile card and a central affiliated store that performs integrated management of payment terminals provided in a plurality of affiliated affiliated stores. In a method of providing a postpaid prepaid mobile card service based on HCE technique through a server, a prepaid card company server, and a credit card company server, the prepaid card company server provides mobile information including credit card information and mobile card information from a mobile terminal. Receiving the subscription step (S100), the prepaid card company server, the limit charging step (S200) of initially charging the limit amount for the mobile card, the prepaid card company server, the limit amount of the mobile card every predetermined period Limit initializing step (S300) of collectively initializing with a preset initializing amount, a limit restoring step of collectively restoring the limit amount for the mobile card collectively initialized by the limit initializing step (S300) in the prepaid card company server (S400), in the affiliated store central server, receiving payment details from affiliated payment terminals, and integrating them to generate transaction details (S500), in the prepaid card company server, a preset first predetermined time point In the transaction information collection step (S600) receiving the integrated transaction details information generated by the transaction details generation step (S500) from at least one affiliated store central server for each first predetermined time and the prepaid card company server, a second preset The billing amount calculation step (S700) of calculating billing amount information using the transaction details information provided by the transaction information collecting step (S600) for a second predetermined time at a predetermined time and in the prepaid card company server, calculating the billing amount It is preferable that the purchase approval request step (S800) of requesting purchase approval by providing the information on the billing amount calculated in step (S700) to the credit card company server is performed.

Furthermore, in the sign-up step (S100), it is preferable that the prepaid card company server stores the provided mobile information in a linked cloud.

Further, prior to performing the usage limit charging step (S200), the prepaid card company server uses the mobile information provided by the sign-up step (S100) to the credit card company server. A pre-approval request step (S210) of requesting pre-approval for initial charging is further performed, and the limit charging step (S200) transmits a pre-approval result from the credit card company server by the pre-approval request step (S210). It is desirable to take and perform charging.

Furthermore, it is preferable to set the initializing amount to 0 won in the usage limit initialization step (S300).

Further, prior to performing the use limit restoration step (S400), the prepaid card company server requests pre-approval for additional charging to the credit card company server using the mobile information provided by the sign-up step (S100). The additional pre-approval request step (S410) is further performed, and the usage limit restoration step (S400) is to perform charging by receiving the pre-approval result from the credit card company server through the additional pre-approval request step (S410). desirable.

Further, in the transaction information collecting step (S600), it is preferable that communication between the prepaid card company server and the affiliated store server is performed through an already installed dedicated line.

Further, the HCE method-based postpaid prepaid mobile card service provision method further performs a payment step (S900) in which payment is made through short-range communication between the mobile terminal and the payment terminal, and the payment step (S900) is performed by the mobile terminal and the payment terminal. It is preferable that payment is made within the limit amount of the card, and payment is made when the mobile terminal is activated.

Furthermore, in the payment step (S900), when a display means included in the mobile terminal is in an activated state, it is preferable to provide real-time information generated while payment is made through the activated display means.

Further, after performing the payment step (S900), the prepaid card company server inputs request information for adding the usage limit amount of the mobile card from the mobile terminal, or the mobile card according to a preset control algorithm. It is preferable to further perform the charging step (S1000) of adding the used amount of.

Furthermore, in the charging step (S1000), when additional charging request information for the usage limit amount of the mobile card is input from the mobile terminal as the request information in the prepaid card company server, the request included in the additional charging request information It is preferable to include a manual charging step (S1000a) of adding the usage amount of the mobile card as much as the amount.

Furthermore, the charging step (S1000) includes an automatic charging step (S1000b) of adding the limit amount of the mobile card by a predetermined amount when the limit amount of the mobile card is less than a preset amount in the prepaid card company server. Further, in the automatic charging step (S1000b), when the number of times of adding the usage amount of the mobile card for a predetermined period is less than the predetermined number of times, it is preferable to add the usage amount.

Furthermore, in the charging step (S1000), when the benefit charge request information for the amount using the point information previously provided as the request information is input from the mobile terminal in the prepaid card company server, the request included in the benefit charge request information It is preferable to include a point charging step (S1000c) of adding the usage amount of the mobile card as much as the amount.

The method of providing a postpaid prepaid mobile card service based on the HCE technique of the present invention with the above configuration provides a postpaid prepaid mobile card service based on the HCE technique, thereby storing the card information in the cloud rather than the SIM chip of the mobile terminal. As a result, there is an advantage in that a service can be provided through the operation of the mobile application regardless of the presence or absence of a SIM chip of the mobile terminal or the operation state.

In addition, the method of providing a postpaid prepaid mobile card service based on the HCE technique according to an embodiment of the present invention provides payment details from a mobile terminal in the integration of payment details according to payment, calculation of the billing amount, and purchase approval. Rather than receiving it, by receiving payment-approved transaction details from a number of payment terminals affiliated in the affiliated store's central server and providing the payment details by integrating them, the prepaid card company server calculates the billed amount and requests approval for purchase, thereby increasing the processing speed. It can be improved, and efficiency can also be improved.

In addition, since the batch initialization / batch restoration is performed without considering the remaining balance on the mobile card, and payment approved transaction details are provided from the payment terminal, the additional operation of restoring the limit amount through the balance of the individual mobile terminal is required. There is an advantage that you don't need.

Moreover, as the affiliated store central server is connected to a number of payment terminals, reliability and stability have already been recognized. By receiving integrated transaction details information through the affiliated store central server, the stability and reliability of the service are further improved. I can.

1 is a flowchart illustrating a method of providing a postpaid prepaid mobile card service based on an HCE scheme according to an embodiment of the present invention.
2 is a timing diagram illustrating a method of providing a postpaid prepaid mobile card service based on an HCE scheme according to an embodiment of the present invention.
3 and 4 are additional flowcharts illustrating a method of providing a postpaid prepaid mobile card service based on an HCE scheme according to an embodiment of the present invention.

Hereinafter, a method of providing a postpaid prepaid mobile card service based on the HCE scheme of the present invention will be described in detail with reference to the accompanying drawings. The drawings introduced below are provided as examples in order to sufficiently convey the spirit of the present invention to those skilled in the art. Accordingly, the present invention is not limited to the drawings presented below and may be embodied in other forms. In addition, the same reference numbers throughout the specification indicate the same elements.

In this case, unless there are other definitions in the technical terms and scientific terms used, they have the meanings commonly understood by those of ordinary skill in the art to which this invention belongs, and the gist of the present invention in the following description and accompanying drawings Descriptions of known functions and configurations that may unnecessarily obscure are omitted.

A method of providing a postpaid prepaid mobile card service based on an HCE technique according to an embodiment of the present invention, in detail, is capable of providing a postpaid prepaid mobile card service in which the amount of use of the prepaid mobile card is postpaid as a credit card price. It's about the method.

In particular, by providing a postpaid prepaid mobile card service based on the HCE (Host Card Emulation) technique, it is possible to provide a postpaid prepaid mobile card service regardless of whether the mobile terminal is equipped with a SIM chip. Specifically, the HCE technique is a payment method that stores card information in the cloud, and by storing the card information in the cloud rather than the SIM chip of the mobile terminal, the mobile application installed in the mobile terminal is activated every time a payment is made to enable short-range wireless communication. It is a method of performing payment by performing.

A method of providing a postpaid prepaid mobile card service based on an HCE scheme according to an embodiment of the present invention provides a postpaid prepaid mobile card service based on the HCE scheme, so that no card information is stored in the mobile terminal. Even if a problem such as loss/theft/damage of the terminal occurs, the possibility of leakage or illegal use of credit card information is very low, and as described above, it is irrelevant whether or not a SIM chip can be installed on the mobile terminal. You can receive postpaid prepaid mobile card service just by installing a mobile application that provides a convenient service.

In addition, the method of providing a postpaid prepaid mobile card service based on the HCE scheme according to an embodiment of the present invention is, in more detail, from a payment terminal that has performed payment with a mobile terminal regardless of the payment details of the mobile terminal. By receiving the payment details from the central server of a number of affiliated stores that integrate and manage the payment terminals, the amount of computation that occurs when requesting for integration of payment details, calculation of the billing amount, and purchase approval is compared to the conventional postpaid prepaid mobile card service. It can be drastically reduced and the processing speed can be improved.

In addition, since the purchase calculation is performed using a high-reliability affiliated central server, which has already proven its reliability, an additional comparison operation process is not required, so the efficiency of service provision can be improved.

1 is a flowchart illustrating a method of providing a postpaid prepaid mobile card service based on an HCE scheme according to an embodiment of the present invention, and FIG. 2 is a provision of a postpaid prepaid mobile card service based on an HCE scheme according to an embodiment of the present invention. As a timing diagram for the method, a method of providing a postpaid prepaid mobile card service based on an HCE scheme according to an embodiment of the present invention will be described in detail with reference to FIGS. 1 and 2.

A method of providing a postpaid prepaid mobile card service based on an HCE technique according to an embodiment of the present invention includes a subscription step (S100), a usage limit charging step (S200), and a usage limit initialization step (S300), as shown in FIG. , It is preferable to consist of a usage limit restoration step (S400), a transaction detail generation step (S500), a transaction information collection step (S600), a billing amount calculation step (S700), and a purchase approval request step (S800).

Prior to the detailed description of each step, a method of providing a postpaid prepaid mobile card service based on an HCE scheme according to an embodiment of the present invention is, as shown in the timing diagram of FIG. It is preferable that it is provided through the central server of each affiliated store, the server of the prepaid card company, and the server of a credit card company that perform integrated management of payment terminals provided in a plurality of affiliated stores.

In other words, a number of affiliated store central servers (respectively A method of providing a postpaid prepaid mobile card service based on an HCE scheme according to an embodiment of the present invention may be provided through the at least one central server of the affiliated store), a prepaid card company server, and a credit card company server.

To learn more about each step,

In the sign-up step (S100), it is preferable that the prepaid card company server receives mobile information including mobile card information from the mobile terminal.

In detail, in order for the user of the mobile terminal to receive the postpaid prepaid mobile card service based on the HCE scheme, the mobile terminal downloads and installs a mobile application and inputs the mobile information including mobile card information. The prepaid card company server receives the mobile information input while installing the mobile application from the mobile terminal, and stores the mobile information in the linked cloud.

In addition, the prepaid card company server may generate a virtual card number for each mobile terminal based on the received mobile information, associate the mobile card information with the virtual card information, and transmit it to the credit card company server.

In the usage limit charging step (S200), it is preferable that the prepaid card company server initially recharges the usage limit amount for the mobile card.

In detail, it is preferable that the prepaid card company server further performs a pre-approval request step (S210) before performing the usage limit charging step (S200), as shown in FIG. 3.

In the pre-approval request step (S210), the prepaid card company server transmits the mobile information provided by the sign-up step (S100) to the credit card company server, and You can request pre-approval for initial charging.

Specifically, in the'postpaid prepaid mobile card service', payment is made based on the amount of usage already charged, but the payment for the payment is provided to the credit card company, so pre-approval through the credit card company must be made. Credit is guaranteed as it is, and the amount used is charged.

Therefore, in the usage limit charging step (S200), the pre-approval result is received from the credit card company server in the pre-approval request step (S210), and the usage limit amount for the mobile card may be initially charged.

At this time, the pre-approval amount requested from the prepaid card company server to the credit card company server is the amount of usage received at the time of installing the mobile application on the mobile terminal, or through a consultation between the prepaid card company server and the credit card company server in advance. It is preferable that it is a fixed usage amount.

In the usage limit initialization step (S300), it is preferable that the prepaid card company server collectively initializes the usage limit amount of the mobile card and a preset initialization amount every predetermined period.

That is, in the step of initializing the usage limit (S300), in the prepaid card company server, a preset initialization amount in a batch without taking into account the payment details of the mobile card or the current balance (remaining usage amount) at each preset predetermined period. To initialize the usage amount of the mobile card.

That is, conventionally, the prepaid card company server communicates with each mobile card to determine the remaining balance and recharge only the insufficient portion based on the determined balance. It is natural that unnecessary calculations such as unnecessary amount of communication and balance calculation/charge of only the balance due to communication occur. However, in the case of the usage limit initialization step (S300), unnecessary communication/calculation amount may be eliminated by performing batch initialization of a preset initialization amount without considering the current remaining balance of the mobile card.

As described above, a method for providing a postpaid prepaid mobile card service based on an HCE scheme according to an embodiment of the present invention includes, in the prepaid card company server, payment details of the mobile card or the current balance (remaining It is most preferable that the preset initializing amount is '0 won' since the initializing of the amount of use of the mobile card is performed without considering the existing amount of usage).

The reason why it is possible to collectively initialize '0 won' is not receiving payment details from individual mobile terminals in the process of calculating the billing amount using payment details or processing a purchase approval request, as described above, but making payments. Since payment details are provided from the terminal, the amount of computation can be effectively reduced.

In addition, as a preset predetermined period, it is preferable to set the repetition period of 1 day to the point in time when the payment use of the mobile card is the least, and in the present invention, it is preferable to set the repetition period of 1 day between 0 o'clock and 3 o'clock. It is most preferable to set it to a time that does not affect the user's use of the mobile terminal due to the least amount of use of the mobile terminal.

In addition, the method of providing a postpaid prepaid mobile card service based on an HCE scheme according to an embodiment of the present invention includes a batch initialization of the usage limit amount of the mobile card through the usage limit initialization step (S300). In the process of calculating the billing amount through the payment details of the mobile card or requesting purchase approval, consider only the payment details information of the mobile card and the payment terminal that made the payment, without considering the payment details information through the mobile card. Therefore, it is possible to effectively reduce the amount of calculation in the process of calculating the billed amount or requesting purchase approval.

This method will be described in detail once more while explaining the steps of calculating the billing amount/requesting purchase approval later.

Thereafter, the usage limit restoration step (S400) may collectively restore the usage limit amount for the mobile card collectively initialized by the usage limit initialization step (S300) in the prepaid card company server.

That is, it means recharging the usage amount for the mobile card that has been collectively initialized to '0 won', and it is most preferable that this is also performed at predetermined cycles set in advance in accordance with the batch initialization.

As shown in FIG. 3, in the use limit restoration step S400, it is preferable to further perform an additional pre-approval request step (S410) similarly to the use limit charging step (S200).

In the additional pre-approval request step (S410), it is preferable that the prepaid card company server requests pre-approval for additional charging to the credit card company server using the mobile information provided by the sign-up step (S100).

Through this, it is preferable that the usage limit restoration step (S400) receives the pre-approval result from the credit card company server by the additional pre-approval request step (S410) and charges the usage limit amount of the mobile card.

At this time, the additional pre-approval amount requested from the prepaid card company server to the credit card company server is the amount of the amount received at the time of installing the mobile application on the mobile terminal, or in advance through consultation between the prepaid card company server and the credit card company server. It is preferable that it is the usage limit amount specified in.

In general, it is preferable to proceed with the initial charge amount and the additional charge amount equally, and the method of providing a postpaid prepaid mobile card service based on the HCE technique according to an embodiment of the present invention is Since batch initialization and batch charging are performed, it is preferable to perform pre-approval or additional pre-approval by setting an average amount for the user to proceed with the prepaid payment service for one day.

In the transaction details generating step (S500), it is preferable that the affiliate store central server receives payment details from affiliated payment terminals and integrates them to generate transaction details information.

As described above, the method of providing a postpaid prepaid mobile card service based on an HCE technique according to an embodiment of the present invention does not receive payment details information from the mobile card, but receives payment details information from payment terminals. Therefore, it is possible to effectively reduce the amount of computation on the server of the prepaid card company.

In detail, the affiliated store central server may transmit payment details information with the mobile terminal from a plurality of affiliated payment terminals.

At this time, the payment terminals are connected to the affiliated store central server through a franchise-only communication network or a preset communication channel when affiliated, and through the transmission and reception of payment details information through the affiliated store central server, the income of the payment terminal is determined. It is natural that the affiliated store central server uses a communication method and storage means such as a communication network and a communication channel having high reliability.

In this way, from the central server of each affiliated store, which is provided in advance in each affiliated store, payment details information is received from the payment terminals linked to each affiliated store, that is, affiliated, and integrated to obtain transaction details information of the corresponding affiliated store. Can be generated.

In this case, the transaction details information means transaction details information for a predetermined period (one-day repetition period) corresponding to a single affiliate store, and a postpaid prepaid mobile card based on an HCE technique according to an embodiment of the present invention. The method of providing the service is not limited to one affiliated store, but it is desirable to generate integrated transaction details information of each affiliated store from the central server of a plurality of affiliated stores that manages a plurality of affiliated stores (multiple payment terminals) in an integrated manner.

The transaction information collecting step (S600) is the integrated transaction generated by the transaction details generating step (S500) from the at least one affiliated store central server for a first predetermined time at each predetermined first predetermined time in the prepaid card company server. It is desirable to be provided with detailed information.

At this time, as described above, it is natural for the payment terminals and the affiliated store central server to use a communication method that has already been proven reliable at the time of joining, but in the case of communication between the affiliated store central server and the prepaid card company server, the reliability of the In order to maintain it, it is desirable that communication is made through a leased line installed in advance.

The pre-installed leased line is most preferably a wired line, but is not limited thereto.

In the transaction information collection step (S600), the prepaid card company server provides the transaction details information for a first predetermined time from each of a plurality of affiliated store central servers, that is, from at least one affiliated store central server at a predetermined first predetermined time point. You will receive.

In this case, the first predetermined time is a predetermined time set in advance to settle the user's prepaid card payment details while providing the HCE method-based postpaid prepaid mobile card service in the prepaid card company server and the affiliated store central server. It is preferable, and in the present invention, it is exemplified as every 0 o'clock, but the present invention is not limited thereto.

More specifically, the first predetermined time point is a time after receiving payment details information from each of the plurality of payment terminals affiliated in the affiliated store central server, and integrating them to generate the transaction details information, most preferably Is preferably set in consideration of the time point at which the transaction detail information is generated through the end of the affiliate store's daily business and all of the daily payment details information of the affiliate store is transmitted to the central server of the affiliate store.

In addition, as described above, since the transaction details information is not provided only by one central server of the affiliated store, but the transaction details information is provided from each of the central servers of a number of affiliated stores, it is natural that each affiliated store has a different day-to-day business end point. Do.

Therefore, the first predetermined time is preferably a time when the transaction details information is received from the first affiliated store central server and the transaction details information is received from the last affiliated store central server.In the present invention, it is exemplified from 0 o'clock to 9 o'clock. However, this is not limited either.

The billing amount calculation step (S700) is performed by the prepaid card company server, using the transaction details information provided by the transaction information collecting step (S600) for a second predetermined time every second predetermined time, It is desirable to calculate.

Specifically, the prepaid card company server receives a plurality of transaction details information from a plurality of affiliated store central servers through the transaction information collection step (S600), and then calculates the billing amount for each credit card company.

Accordingly, the second predetermined time is a predetermined amount that is essentially generated for calculating the billing amount information for each credit card company by using a plurality of transaction details information transmitted from each of the plurality of affiliated store central servers in the prepaid card company server. It is preferable that it is a time point, and in the present invention, it is illustrated every 12 o'clock, but the present invention is not limited thereto.

In addition, since the prepaid card company server receives the transaction details information from a plurality of affiliated store central servers and integrates them to calculate the billing amount, the second predetermined point is from the calculation of the billing amount of the first credit card company to the last credit card company. It is preferable that it is the time required to calculate the billing amount, and in the present invention, it is illustrated as 12 o'clock to 14 o'clock, but this is not limited either.

In the purchase approval request step (S800), it is preferable that the prepaid card company server provides the billing amount information calculated by the billing amount calculation step (S700) to the credit card company server to request purchase approval.

Specifically, in the purchase approval request step (S800), the prepaid card company server directly provides the billing amount information to the credit card company server to request purchase approval, so that the credit card company server proceeds to purchase approval.

That is, in the prior art, the prepaid card company server receives the payment details from each of the mobile terminals, calculates the billing amount using this, and sends it to the credit card company server.Therefore, all mobile terminals using the postpaid prepaid mobile card service and the above It is true that the amount of communication and computation occurs unnecessarily because the server of the prepaid card company must perform communication.

In particular, in the prior art, since payment details are received from each of the mobile terminals and the billing amount is calculated using them, when the actual payment is not made due to communication instability or operation error, and the mobile transaction details remain, the billing amount is calculated. Because it leads to the problem, it contains problems that may cause disadvantages for users.

However, the method of providing a postpaid prepaid mobile card service based on the HCE technique according to an embodiment of the present invention includes the transaction details generation step (S500), the transaction information collection step (S600), the billing amount calculation step (S700), and As described above through the purchase approval request step (S800), the prepaid card company server receives payment details from the payment terminal that made payment with the mobile terminal regardless of the transaction details information of the mobile terminal. By integrating and generating transaction history information and transmitting it to the credit card company's server, the amount of communication and computation is very small compared to the prior art, so that the efficiency of the service can be further improved.

In addition, the method for providing a postpaid prepaid mobile card service based on the HCE technique according to an embodiment of the present invention proceeds with payment by using the used amount of the charged mobile card or the amount of use of the charged mobile card. If the amount is insufficient, charging can be performed arbitrarily before the preset predetermined period returns.

Specifically, as shown in FIG. 4, using the mobile card charged at predetermined cycles preset through the use limit charging step (S200) or the limit limit restoration step (S400), a payment step (S900) And it is preferable to perform the charging step (S1000).

In the payment step S900, it is preferable that payment is made through short-range communication between the mobile terminal and the payment terminal.

At this time, in the payment step (S900), as described above, it is natural that payment is made within the limit amount of the mobile card, and in order to prevent illegal use/illegal use of the mobile card that the user does not recognize. It is preferable to control the state of the mobile terminal through a mobile application so that payment is made only when the mobile terminal is in an active state.

In particular, when the display means included in the mobile terminal is activated in the payment step S900, information generated while payment is made through the activated display means may be provided in real time.

For example, a payment receipt, payment balance, etc. may be provided through the activated display means.

In addition, in some cases, the amount used for the mobile card provided in advance may be insufficient. Typically, the usage amount is newly charged only after a predetermined period has passed, but through the charging step (S1000), the prepaid card company server requests information for adding the usage amount of the mobile card from the mobile terminal. Is input, or the usage amount of the mobile card may be added according to a preset control algorithm.

In this case, it is natural that the charging step (S1000) is performed after the use limit charging step (S200) or the limit limit restoration step (S400) is performed, and before a predetermined period has elapsed.

In detail, the charging step (S1000) is preferably configured to include a manual charging step (S1000a), an automatic charging step (S1000b), and a point charging step (S1000c), as shown in FIG.

The manual charging step (S1000a) is included in the additional charge request information when'additional charge request information for the usage limit amount of the mobile card is input' as the request information from the mobile terminal in the prepaid card company server. It is preferable to add the usage amount of the mobile card as much as the requested amount.

Specifically, the user may perform the manual charging step (S1000a) through a mobile application, and may input a required amount of request through manipulation of the mobile application, and when the requested amount is input, the additional charging request including this By generating information and transmitting it to the server of the prepaid card company, the usage limit amount equal to the requested amount is added.

However, since the payment of the recharge amount is made by post-billing, it is preferable to pre-approve the credit card company. To this end, the method of providing a postpaid prepaid mobile card service based on the HCE technique according to an embodiment of the present invention In addition to the pre-approval request to the credit card company server in order to charge the limit amount of the mobile card in the use limit charging step (S200) or the limit limit restoration step (S400), the charging step (S1000) It is advisable to proceed with preliminary pre-approval in preparation for this.

In the automatic charging step (S1000b), in the prepaid card company server, when the usage limit amount of the mobile card is less than a preset amount, it is preferable to add the usage limit amount of the mobile card by a predetermined amount.

Specifically, the balance of the usage limit amount according to the payment step (S900) is calculated in real time in a mobile application, and when the calculated balance is less than a preset amount, it is transmitted to the prepaid card company server, and the prepaid card company The server may add the usage amount of the mobile card by a predetermined amount.

That is, the prepaid card company server does not calculate the balance of the usage amount of each mobile card, but the balance calculation is only one operation of the mobile application. By transmitting to the prepaid card company server, the prepaid card company server may add the used amount of the mobile card by a predetermined amount.

In this case, the predetermined amount is preferably entered by the user in the sign-up step (S100) or signed in advance while providing services from the prepaid card company server and the credit card company server, and the amount is not limited.

In the automatic charging step (S1000b), as in the manual charging step (S1000a), it is preferable to perform a preliminary pre-approval in preparation for this.

In addition, since the automatic charging step (S1000b) is to arbitrarily add the usage amount of the mobile card in a mobile application rather than a user's request, there is a fear of illegal/abuse in some cases. Therefore, it is preferable to perform the addition of the usage amount only when the number of additions of the usage amount of the mobile card for a predetermined period is less than the predetermined number of times.

As described above, since the mobile application randomly adds the usage amount of the mobile card, not the user's request, not only the preset number of additions, but also the usage amount additionally charged through the automatic charging step S1000b It is preferable that the amount is added within the amount used for a predetermined period set in advance.

For example, if the daily limit amount is set to 150,000 won and the number of times of charging is set to 3 times, the automatic charging step (S1000b) is performed by 50,000 won if the balance is less than the preset amount after initial charging. It is desirable to perform automatic charging only up to 3 times.

Through this, it is possible to prevent illegal/abuse of the used amount by preventing automatic charging that exceeds these in consideration of the preset number of times and the amount used for a preset period (daily). It is also possible to prevent the claim from being made.

In the point charging step (S1000c), when benefit charge request information for an amount using point information previously provided as the request information from the mobile terminal is input in the prepaid card company server, the requested amount included in the benefit charge information is It is preferable to add the usage limit amount of the mobile card.

In the point charging step S1000c, unlike the manual charging step S1000a and the automatic charging step S1000b, the usage limit amount of the mobile card may be added without direct communication with the prepaid card company server.

In detail, the point information provided in advance means the mileage, points, etc., provided through the process of using payment through the mobile card by the user or an event provided by a mobile application, and the degree of use of the point information thus provided. It can be converted into an amount for adding an amount.

Since this process is performed through a mobile application, even if direct communication between the mobile terminal and the prepaid card company server is impossible, the amount converted and stored in the mobile application through communication with the prepaid card company server in advance is stored. Through this, it is possible to urgently add the usage amount of the mobile card.

At this time, the conversion ratio may be different depending on the process of receiving the point information, and in order to prevent in advance that may occur during batch initialization that proceeds every predetermined period, the point charging step (S1000c) is performed. It is desirable that the added amount is paid so that it is used in advance at the next payment.

Of course, it is also possible to request reconversion of the converted amount that has not been used by the prepaid card company server into point information through the mobile application.

That is, in the point charging step (S1000c), not only when real-time communication between the mobile terminal and the prepaid card company server is smooth, but also real-time communication between the mobile terminal (mobile application) and the prepaid card company server according to the current location of the mobile terminal. Even in a poor situation, if the point information has been converted in advance, the usage limit amount of the mobile card can be added through the operation of the mobile terminal, and the additional amount may not have been used prior to batch initialization. In this case, it can be re-transformed and deposited as point information again.

As described above, in the present invention, specific matters such as specific components, etc. and limited embodiments have been described, but this is provided only to help a more general understanding of the present invention, and the present invention is limited to the above-described embodiment. It is not, and those of ordinary skill in the field to which the present invention pertains can make various modifications and variations from this description.

Therefore, the spirit of the present invention is limited to the described embodiments and should not be defined, and all things equivalent or equivalent to the claims as well as the claims to be described later belong to the scope of the spirit of the present invention. .

Claims (12)

Regardless of whether a SIM chip is installed, a mobile terminal with an application that provides mobile card service is installed, each affiliated store central server, prepaid card company server, and credit card company server that perform integrated management of payment terminals provided in a number of affiliated affiliated stores. In a method of providing a postpaid prepaid mobile card service based on an HCE technique,
A subscription step (S100) of receiving mobile information including credit card information and mobile card information through an application installed in the mobile terminal in the prepaid card company server;
In the prepaid card company server, the limit charging step of initially charging the limit amount for the mobile card (S200);
The prepaid card company server does not perform an operation for calculating the usage amount remaining in the mobile card without considering the usage amount remaining in the mobile card, and the usage amount of the mobile card is calculated every predetermined period. A limit initialization step (S300) of collectively initializing the amount of 0 won, which is a preset initialization amount;
In the prepaid card company server, a limit restoring step (S400) of collectively restoring the limit amount for the mobile card collectively initialized by the limit limit initialization step (S300) at a predetermined period;
In the affiliated store central server, the transaction details generating step (S500) of receiving payment details from affiliated payment terminals and integrating them to generate transaction details information (S500);
In the prepaid card company server, a transaction information collection step (S600) receiving integrated transaction details information generated by the transaction details generation step (S500) from at least one affiliated store central server for a first predetermined time at each predetermined first predetermined time (S600) ); And
In the prepaid card company server, a billing amount calculation step (S700) of calculating billing amount information by using the transaction detail information provided by the transaction information collecting step (S600) for a second predetermined time at a predetermined second predetermined time period; And
In the prepaid card company server, a purchase approval request step (S800) of requesting purchase approval by providing the information on the billed amount calculated by the billing amount calculation step (S700) to the credit card company server;
Consists of
The prepaid card company server stores the provided mobile information in a linked cloud, generates a virtual card number for each mobile terminal based on the mobile information, and associates the mobile card information with the generated virtual card information, Transfer to the credit card company's server,
Prior to performing the use limit restoration step (S400),
In the prepaid card company server, an additional pre-approval request step (S410) of requesting pre-approval for additional charging to the credit card company server using the mobile information provided by the sign-up step (S100) is further performed, and
The limit restoring step (S400)
Receiving the pre-approval result from the credit card company server by the additional pre-approval request step (S410) and performing charging,
The transaction details generating step (S500) is a method of providing a postpaid prepaid mobile card service based on an HCE technique, characterized in that communication between a prepaid card company server and an affiliated store server is performed through an already installed dedicated line.
delete The method of claim 1,
Prior to performing the usage limit charging step (S200),
In the prepaid card company server, a pre-approval request step (S210) of requesting pre-approval for the initial charge of the limit amount for the mobile card to the credit card company server using the mobile information provided by the sign-up step (S100). ;
Perform more,
The usage limit charging step (S200) is
A method of providing a postpaid prepaid mobile card service based on an HCE technique, characterized in that the pre-approval result is received from the credit card company server and charged by the pre-approval request step (S210).
The method of claim 1,
The use limit initialization step (S300) is
A method of providing a postpaid prepaid mobile card service based on an HCE scheme, characterized in that the initializing amount is set to 0 won.
delete delete The method of claim 1,
The method of providing a postpaid prepaid mobile card service based on the HCE technique
Payment step (S900) in which payment is made through short-range communication between the mobile terminal and the payment terminal;
Perform more,
The payment step (S900)
A method of providing a postpaid prepaid mobile card service based on an HCE technique, characterized in that payment is made within the limit amount of the mobile card, and payment is made when the mobile terminal is activated.
The method of claim 7,
The payment step (S900)
When the display means included in the mobile terminal is in an active state,
A method of providing a postpaid prepaid mobile card service based on an HCE technique, characterized in that information generated while payment is made through the activated display means is provided in real time.
The method of claim 7,
After performing the payment step (S900),
In the prepaid card company server, a charging step (S1000) of inputting request information for adding the usage amount of the mobile card from the mobile terminal or adding the usage amount of the mobile card according to a preset control algorithm;
A method of providing a postpaid prepaid mobile card service based on an HCE scheme, characterized in that further performing.
The method of claim 9,
The charging step (S1000)
In the prepaid card company server, when additional charge request information for the usage amount of the mobile card is input from the mobile terminal as the request information, the usage amount of the mobile card is calculated as much as the requested amount included in the additional charge request information. Adding a manual charging step (S1000a);
A method of providing a postpaid prepaid mobile card service based on an HCE scheme, comprising: a.
The method of claim 9,
The charging step (S1000)
In the prepaid card company server, when the usage limit amount of the mobile card is less than a preset amount, an automatic charging step of adding the usage limit amount of the mobile card by a predetermined amount (S1000b);
It further includes,
The automatic charging step (S1000b)
When the number of additions of the usage amount of the mobile card during a predetermined period is less than the predetermined number of times, the addition of the usage amount is performed.
The method of claim 9,
The charging step (S1000)
In the prepaid card company server, when the benefit charge request information for the amount using the point information previously provided as the request information is input from the mobile terminal, the usage amount of the mobile card is calculated as much as the requested amount included in the benefit charge request information. Adding point charging step (S1000c);
A method of providing a postpaid prepaid mobile card service based on an HCE scheme, comprising: a.

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