KR20000036745A - A payment system of traffic fare using reserved repaying points - Google Patents

Abstract

PURPOSE: A system for transportation fare payment using gratitude point reserve is disclosed to enable the public transportation user to pay fares using RF transportation card that utilizes gratitude points for fast and efficient service. CONSTITUTION: A system for transportation fare payment using gratitude point reserve is composed of recognition, distinction, and approval of the card. Mycom(21) comprises of a data input/output interface device(23) that connects to an offline boarding information removal and calculation system(30), transaction approval card information storage device(24), and a RF signal processor that possesses B/L DB(25), roof antenna coil(27), and indicator device(22). RF device system(20) transmits information with (30), and the information detected when RF transportation card(12) approaches (27) is processed by (26) and sent to (21). (21) examines the card to detect access denied cards, which are registered in (25). If not a B/L card, approve transaction and display approval message to through (22). (21) saves RF card number and fare information in (24). Saved information is sent to (30), which is connected to (20) through (23), and transportation fare amount is calculated and claimed to the main server and B/L DB's data is updated.

Description

A payment system of traffic fare using reserved repaying points}

The present invention can quickly and accurately process the use authentication and payment of public transportation means using a contactless transportation card, transportation fee payment that can be immediately refilled check the balance card information and additional reserves, regardless of time and place, The present invention relates to a confirmation and refill system, and more particularly, to a payment system using a gratuitous point reserve that can be used as a public transportation fee using various cyber points and gratitude points that can be obtained online and offline.

Recently, thanks to the proliferation of bus cards, which are a kind of prepaid card, and subway cards, which are a kind of postpaid card, the proportion of the card payment method is increasing among the payment method of transportation fee. Most payments will be made by credit card, not cash.

In particular, the bus card charges and accumulates a certain amount of information in the memory area mounted inside the card, and checks the amount of information corresponding to the fare of the bus by checking the RF terminal system installed at the bus entrance when using the bus. It is based on a payment system.

Figure 1 shows the configuration of a fare payment and refill system using a conventional RF traffic card. As referred to herein, the existing bus card system, that is, the RF traffic card system, supplies an operating voltage to the IC chip and the IC chip having a chargeable amount information storage area and an individual unique number information storage area. RF traffic card 12 having an antenna mounted therein for exchange of information, RF card issuing system 10 for issuing and managing the RF traffic card 12, and issuing through the RF card issuing and managing system A sales system 11 for selling the RF traffic card to a general consumer, a charging system 16 connected to the RF card issuing and managing system to charge the amount of money information corresponding to a request amount of the RF traffic card holder; Installed at the entrance and exit of the bus, when using the card by the RF traffic card holder, after reading the amount of information accumulated in the relevant RF traffic card, the transaction approval information and the balance of the card information after payment Collect and settle the RF terminal system 13 to display and the amount of sales information accumulated in a plurality of RF terminal systems, and provide the sales information to the RF card issuance and management system and collect settlement information directly. And a settlement system 14 and a fund transfer system 15 that pays the billing amount to the settlement information collection and settlement system when there is an application for transfer of funds from the RF card issuance and management system.

The operation process of the existing RF transportation (bus) card payment and charging system is as follows.

First, a person who wants to use an RF traffic card purchases the RF traffic card 12 through the sales system 11. After that, the RF traffic card is used as it is, or a certain amount of cash is paid to the charging system 16 of the charging station to replenish the amount of money, and the amount information corresponding to the payment amount is accumulated and used in the RF traffic card.

When the holder of the RF traffic card 12 rides the bus and approaches his card to the RF terminal system 13 installed at the entrance of the bus within a specified distance (for example, about 10 cm), the RF traffic card ( The power of the electromagnetic field formed by the RF terminal system 13 is induced in the antenna coil mounted inside the antenna 12, and the IC chip of the RF traffic card is activated.

When the IC chip of the RF traffic card is activated, the amount information stored in the memory inside the IC chip is transmitted to the RF terminal system 13 through the antenna coil inside the RF traffic card, and the RF terminal system 13 transmits the RF It accepts the information of the transportation card and determines whether the current amount information is more than the amount corresponding to the fare of the corresponding round.

At this time, if the amount accumulated in the RF transit card is more than the amount that can be settled, the amount corresponding to the ride fare is subtracted, the remaining balance of the RF transit card is displayed, and the transaction and its approval are completed.

If the current balance of the RF transit card is less than the fare of the corresponding round, a warning message of insufficient balance will be displayed to indicate rejection of the transaction and a cash payment of the fare will be requested.

On the other hand, the total amount information received from the RF traffic card users accumulated in the RF terminal 13 is collected and settled by individual bus units in the ride information collection and settlement system 14 to the RF traffic card issuing system 10 side. Invoice for sales. In accordance with the billing of the ride information collection and settlement system 14, the RF card issuing system 10 may settle the bill through the direct payment method or the indirect payment method through the fund transfer system 15. do.

This RF transportation (bus) card system frees passengers from the problems of change in cash and the purchase and retention of tokens from token riding so far, and reduces the management burden on bus carriers. It brings economic benefits.

However, the existing RF traffic (bus) card system has the following disadvantages.

First of all, to replenish the RF bus card with the price information, you must go to the charging station (which also serves as the sales office). Therefore, there is considerable inconvenience in charging the amount information on the RF bus card except in the city center where the charging stations are concentrated.

Second, the balance information remaining on the RF bus card can not be known except when the passenger directly boards the bus to pay the fare or charge the RF bus card. Therefore, RF bus card holders are frequently required to get cash payment for bus fare or get off as it is because there is not enough balance accumulated on their card. Therefore, the user using the RF bus card has a burden that must always remember the balance information amount information when using the last bus that represents the amount information stored on their card.

The purpose of the present invention is to quickly and accurately handle the use of public transportation means of authentication and payment using a contactless transportation card, and can check the transportation card balance information and immediately refill additional reserves without regard to time and place. In the payment, confirmation and refill system, various cyber points and gratuitous points, which can be obtained online and offline, can be used as public transportation means, and the corresponding cyber points are cashed and accumulated in the unique number of the RF transportation card. It is to provide a transportation fare payment system using a free point earning point that can be used to pay for transportation.

1 is a block diagram of a traffic fare payment system using a conventional RF card.

2 is a block diagram of a traffic fare payment system according to the present invention.

3 is a block diagram of an integrated point earning system according to the present invention.

4 is a block diagram of a first embodiment of an RF terminal system and a ride information collection and settlement system according to the present invention.

5 is a block diagram of a second embodiment of an RF terminal system and a ride information collection and settlement system according to the present invention.

6 is a block diagram of a third embodiment of an RF terminal system and a ride information collection and settlement system according to the present invention.

※ Explanation of symbols about main part of drawing ※

10: RF card issue system 11: Sales system

12: RF Traffic Card 17: PC

20: RF terminal system 21: microcomputer

22: display device 23: data input and output interface device

24: Transaction approval card information storage device 25: B / L DB

26: RF signal processing unit 27: loop antenna coil

28: PCS (or wireless data communication device) 30: Ride information collection and settlement system

31: microcomputer 32: display device

33: Data input / output interface device 34: Settlement fee information storage device

35: B / L DB 36: PCS (or wireless data communication device)

40: main server 41: web server

42: Bank Account Management System 43: Internet Banking System

44: Internet 45: B / L DB

46: card DB 47: e-mail sending system

50: integrated point accumulation system 51: system server

52: Reserve Point Payment System 53: Exchange Point System

54: Currency exchange system 55: Member DB

The present invention for achieving the above object is an RF traffic card having a unique number, and RF terminal system for determining whether to approve the transaction by reading its unique number in a non-contact way when using the RF traffic card and inquiring it to the B / L information; A ride information collection and settlement system that provides B / L information to the RF terminal system and collects and approves transaction approval information for each unique number of the card, and a card DB that holds balance information for each unique number of the card; It has a B / L DB that frequently updates the unique number information of the RF traffic card lacking the balance in the card DB, and the sales report and the billing bill according to the result of the approval of the use of the RF traffic card from the ride information collection and settlement system Receives the settlement information for each card unique number in the card DB to update the balance information for each card, and the B / L information of the B / L DB Opened a main server for providing a site for providing RF traffic card balance information inquiry and related information on the Internet, and if the balance confirmation request by the RF traffic card holder requests the balance information for each unique number contained in the card DB. A web server that provides a service that informs the requestor after reading through the main server, and joins the RF transit card holder as a member so that the registered member can earn and earn free points on various online and offline accounts. The integrated point earning system that converts the points into cash or affiliated recognition points and deposits the funds into the designated account of the bank account management system under the unique number name of the corresponding RF traffic card, and the integrated points for the RF traffic card with a specific unique number. When the card refill amount from the credit system is received, the card in the card DB It provides a bank account management system for providing the corresponding deposit information to the main server to update the balance information of the number, and pays the bill for the ride information collection and settlement system according to the payment approval information of the main server. do.

Hereinafter, the present invention will be described with reference to the accompanying drawings.

2 is a block diagram of a traffic fare payment system according to the present invention.

As referred to herein, the technical configuration of the present invention is a RF traffic card 12 having a unique number and, when using the RF traffic card when using a non-contact by reading the unique number of the contactless whether it is in the B / L information to check whether the transaction approval RF terminal system 20 to determine, ride information collection and settlement system 30 to provide B / L information to the RF terminal system and collect and settle the transaction approval information for each unique number of the card, and unique to the card The card DB 46 holds balance information for each number, and the B / L DB 45 for frequently updating and updating the unique number information of the RF card which lacks the balance in the card DB. Receive the sales report and billing payment request according to the approval result of the use of RF traffic card from the system to settle each card's unique number in the card DB to update the balance information for each card and collect the ride information And a main server 40 that provides B / L DB B / L information to the settlement system, and a site for providing RF traffic card balance information inquiry and related information on the Internet. If there is a request for confirmation, the web server 41 which provides a service for notifying the requestor of reading the balance information for each unique number stored in the card DB through the main server and joining the RF traffic card owner as a member Allow members to earn and earn free points on various online and offline, convert the accumulated free points into cash or partner accredited points and deposit them in the designated number of the corresponding RF transportation card in the designated account of the bank account management system. Card refill from the integrated point earning system 50 and the integrated point earning system for a specific unique number of RF transportation card When the deposit is made, the bank provides the deposit information to the main server to update the balance information of the corresponding card unique number in the card DB, and pays the bill for the ride information collection and settlement system according to the payment approval information of the main server. It characterized in that it comprises an account management system (42).

The bank account management system 42 has an internet banking system 43 that operates in conjunction with PC banking or Internet banking in order to allow the balance refilling of the RF transportation card for each unique number.

In the main server 40, if there is a balance inquiry request for a specific ID number and a request for use of a list of usage records, and an e-mail address is registered, an e-mail for sending the card information of the specific number to the registered e-mail address is provided. A mail server 47 can be added. This e-mail service can be operated on a membership basis, and it can also be linked to a program that automatically sends information on the use of RF traffic card by unique number at regular intervals.

In addition, the RF traffic card 12 is issued by the RF card issuing system 10 is provided to the general traffic card users through the sales system 11, the main server 40 side of the RF card issuing system ( 10) It receives card issuance information (unique number information) from the card DB 46 and stores it, manages transaction approval, payment, and balance refilling, and integrates multiple types of transportation cards issued by multiple transportation card operators. It can be operated.

The B / L DB 45 may construct a database with only a list of transaction permit cards, on the contrary, if the list of transaction approval cards is easier than a list of accident cards, that is, information about a card with insufficient balance. .

Referring to the operation of the system configured as described above is as follows.

The RF traffic card 12 issued by the RF card issuing system 10 and sold to the general traffic card consumer through the sales system 11 has the same number on the surface of the card as the unique number contained in the IC chip therein. It is possible to identify with the naked eye. This is necessary when checking and refilling the balance using the Internet.

The RF traffic card 12 has an IC chip having a memory area for storing its card unique number information and an organic power generated under the influence of an electromagnetic field radiated from the RF terminal system 20. And a loop antenna coil for exchange of information with the RF terminal system 20 is mounted therein. The RF terminal system 20 is also equipped with a loop antenna coil.

The RF terminal system 20 for processing information by recognizing the RF traffic card 12 in the above manner is installed at the entrance of public transportation (prepaid or postpaid) such as a bus or taxi, the RF traffic card When the card is used by the holder, B / L registration for the unique number of the corresponding RF traffic card is judged, and if it is not a B / L card, the transaction is immediately approved and the traffic for the unique number of the corresponding RF traffic card is approved Generates billing information and transmits it to the ride information collection and settlement system 30.

The RF terminal system 20 receives and retains the B / L information from the ride information collection and settlement system 30 in an online or offline manner.

The boarding information collection and settlement system 30 downloads the B / L information from the main server 40 and provides the B / L information to the plurality of RF terminal systems 20, and the plurality of RF terminal systems 20 ) Collect and settle the traffic use authorization information for each unique number generated and accumulated in the RF traffic card, and transmit the sales report and settlement billing information to the main server 40.

The main server 40, if there is a sales report and billing payment request according to the use of the RF traffic card from the boarding information collection and settlement system 30, the settlement process for each card unique number in the card DB 46 The balance information for each card is updated, and payment approval information is sent to the bank account management system 42 to pay the price charged by the ride information collection and settlement system 30.

On the other hand, the RF traffic card holder can check how much the balance of his card using the Internet (44).

To do this, the RF traffic card holder accesses an Internet traffic card site (tentative name) operated by a web server 41 using a PC 17, selects a transportation card balance inquiry menu, and enters an RF traffic card into a unique number field. When the card unique number shown on the surface of 12 is inputted, this card unique number input information is transmitted to the main server 40 through the web server 41.

Since the main server 40 reads the balance information for the card unique number input from the card DB 46 and transfers the balance information of the card to the PC 17 of the Internet accessor via the web server 41, the card The balance inquiry applicant can simply check the balance information on his card.

On the other hand, the owner of the RF traffic card 12 may pay for the transportation fee using cyber points or other gratuitous points (hereinafter referred to as gratuitous points). To do this, you must join the integrated point earning system 50 as a member.

After joining the integrated point earning system 50 as a member and acquiring a membership number, the purchase of goods in cyber points and offline, which are obtained in exchange for membership on a specific site, purchase of goods, viewing advertisements, etc. Earn points in exchange for purchasing tickets, insurance, etc., and credit card companies (bonus) points generated by the use of credit cards, etc. in your own member DB account of the integrated point earning system 50, and exchange them. After the exchange through the system, the bank account management system 42 can be credited to the card DB 45 of their RF transportation card.

3 shows a block diagram of the integrated point earning system 50.

As referred to here, a member with an RF transportation card accesses a website (not shown) operated by the integrated point earning system, and then receives various free points, for example, credit card points for using a credit card, and offline. When purchasing merchandise purchase points or other various cyber points in accordance with the purchase of goods, these gratuit points are converted into an integrated point of the reference value in the exchange point system 53 through the system server 51 and the member DB 55. ) Will be credited to their account.

The integrated gratuitous points accumulated in the member DB 55 are exchanged through the exchange system 54 according to a predetermined management program or a member's request, and then through the reserve payment system 52, the bank account management system 42 ) Is transferred to the unique number name of the corresponding RF traffic card is credited to the account of the card DB (46).

The exchange and remittance program of the gratuit point may be limited in time or in amount.

In addition, when the main server 40 and the integrated point earning system 50 allow mutual sharing of points by setting a mutual relationship, the cyber points accumulated in the individual member DB 55 of the integrated point earning system 50 may be used. The card DB 46 may be directly received, thereby allowing payment of a transportation fee.

In addition, the RF traffic card 12 users can easily and quickly deposit a certain amount on their card using the Internet banking system to replenish or increase the balance.

In this case, first, the PC 17 is used to access the Internet 44, and then the card number is designated through the Internet banking system 43, and the desired amount of refilling amount to the designated account of the bank account management system 42 is desired. Send money. The PC banking system can be used instead of the Internet, and the effect is the same.

At this time, the receiving designated account can be confirmed through the guide menu screen. In addition, by registering the designated receiving account in advance, the depositor can enter only the withdrawal bank information and the withdrawal amount, and can be automatically remitted with a single "transfer" click without inputting a separate deposit designated account number.

When the bank account management system 42 receives the card refill amount through Internet banking or PC banking, the bank account management system 42 immediately transmits the unique number and the deposit amount information of the RF card to the main server 40. Accordingly, the main server 40 sends the card. The balance information for the corresponding card number in the DB 46 is updated.

The balance inquiry and balance refilling service of the RF traffic card on the Internet is based on the pre-registration of the card's unique number.

In addition, when the card information is provided from the RF card issuing system 10 to the main server 40 in the registration of the unique number for the RF traffic card, the card holder does not need to separately register the unique number.

Even if there are multiple RF card issuers or multiple RF cards are issued by one RF card issuer, information on this can be classified and managed in the card DB 46, so that the issuer can be separated without artificial integration of other cards. Settlement operation becomes possible. In this case, it will be preferable to accept and operate all the unique number information of the RF card issued by the plurality of RF card issuing systems 10 at the main server 40 side.

On the other hand, the main server 40 updates the information contained in the B / L DB (45) in real time by the unique number of the card at the time of payment request and refilling the RF transportation card 12, or update at a predetermined time interval to approve the transaction Maintains the reliability of

If the e-mail server 47 connected to the main server 40 registers an e-mail address together with an application for checking balance and requesting usage list for an RF traffic card having a specific unique number, the corresponding e-mail number is registered to the registered e-mail address. Will send your card information. In addition, the e-mail service can automatically send information about the use performance by individual number or unique number of the RF transit card on a regular basis and may be operated on a membership basis.

4 is a block diagram of a first embodiment of an RF terminal system and a ride information collection and settlement system according to the present invention.

As referred to herein, the microcomputer 21 has a data input / output interface device 23, a transaction approval card information storage device 24, and a B / L DB 25 that are connected offline to the ride information collection and settlement system 30. And the RF signal processing unit 26 having the loop antenna coil 27 and the display device 22 are connected.

In the first embodiment of the RF terminal system 20 configured as described above, information exchange between the ride information collection and settlement system 30 is performed offline. Therefore, the card information detected by the RF traffic card 12 approaching the loop antenna coil 27 is processed by the RF signal processing unit 26 and input to the microcomputer 21, and the microcomputer enters the B / L DB 25. Only check whether it is a registered transaction stop card, and if not a B / L card, approve the transaction immediately and display the result through the display device 22 to indicate whether the transaction is approved to the card user. In addition, according to the transaction approval at this time, the microcomputer temporarily stores the unique number of the RF traffic card and the fare information of the corresponding time in the transaction approval card information storage device 24.

The fare sales information stored in the transaction approval card information storage device 24 is the boarding information when the RF terminal system 20 is coupled to the boarding information collection and settlement system 30 through the data input / output interface device 23. After being transferred to the collection and settlement system 30 and settled here, the transportation fee is billed to the main server.

In addition, when the boarding information collection and settlement system 30 and the boarding information collection and settlement system 30 are connected, data of the B / L DB 25 is updated.

In this case, the offline connection time can be determined, for example, at the time of completion of each bus operation or in the morning and afternoon.

5 is a block diagram of a second embodiment of an RF terminal system and a ride information collection and settlement system according to the present invention.

Here, the RF terminal system 20 has a PCS (including wireless data communication) 28, a transaction approval card information storage device 24, a B / L DB 25 and a loop antenna coil 27 in its microcomputer 21. The RF signal processor 26, the display device 22, and the data input / output interface device 23 are connected to each other, and the boarding information collection and settlement system 30 includes PCS (wireless data communication) in its microcomputer 31. 36, the billing rate information storage device 34, the B / L DB 35, the display device 32, and the data input / output interface device 33 are connected to each other.

Accordingly, when the RF traffic card 12 approaches the loop antenna coil 27 mounted inside the RF terminal system 20 and the card information is processed by the RF signal processing unit 26, the RF traffic card 12 is input to the microcomputer 21. , MICOM immediately checks whether the current card is a transaction stop card registered in the B / L DB 25, approves the transaction if it is not a B / L card, and displays the result to the card user through the display device 22. Indicate whether or not to approve and temporarily store the unique number of the other card and the fare information of the corresponding turn in the transaction approval card information storage device 24 in the transaction result.

Freight sales information stored in the transaction approval card information storage device 24 of the RF terminal system 20 is wirelessly transmitted to the PCS 36 of the ride information collection and settlement system 30 through the PCS 28 or the wireless data communication system. do. The fare sales information input by wireless transmission to the PCS 36 of the ride information collection and settlement system 30 is processed by the microcomputer 31 and stored in the settlement fare information storage device 34, and this information is inputted and outputted. Through the interface device 33, the sales report and payment billing information are transmitted to the main server side. This information is also displayed on the display device 32.

Further, when the PCS 36 of the ride information collection and settlement system 30 and the PCS 28 of the RF terminal system 20 are connected, the B / L DB 35 of the ride information collection and settlement system 30 is connected. Is transmitted to the B / L DB 25 of the RF terminal system 20 to update the B / L data.

In the second embodiment of the ride information collection and settlement system 30 and the RF terminal system 20, the information exchange between the two can be designed to be wirelessly performed at regular intervals. The information exchange can be carried out whenever desired but at a desired point in time. As in the first embodiment, the reliability of the B / L check for transportation fare payment is improved rather than relying on offline.

6 is a block diagram of a third embodiment of an RF terminal system and a ride information collection and settlement system according to the present invention.

The RF terminal system 20 connects only the RF signal processing unit 26 and the display device 22 having the PCS (including a wireless data communication system) 28 and the loop antenna coil 27 to its microcomputer 21. It consists.

In addition, the boarding information collection and settlement system 30 has a PCS (including a wireless data communication system) 36, a display device 32, a data input / output interface device 33, and a settlement fee information storage device 34 in its microcomputer 31. ) And B / L DB 35 are connected.

Accordingly, when the RF traffic card 12 approaches the loop antenna coil 27 installed in the RF terminal system 20 and is input to the microcomputer 21 after the card information is processed by the RF signal processing unit 26, the microcomputer 21 Reads the unique number information of the card immediately and wirelessly transmits to the PCS 36 side of the ride information collection and settlement system 30 through the PCS (28).

The unique number information of the RF traffic card which is wirelessly transmitted to the PCS 36 of the boarding information collection and settlement system 30 and inputted to the microcomputer 31 is searched in the B / L DB 35 to determine whether to approve the transaction, and The decision information is transmitted to the microcomputer 21 in the RF terminal system 20 through the PCS 36 and 28 and displayed on the display device 22 so that the RF traffic card user and the driver can recognize whether the transaction has been approved. .

In this case, if the RF traffic card 12 is in a normal state, the information collected and processed in the microcomputer 31 in the ride information collection and settlement system 30 is stored in the settlement fee information storage device 34 through the data input / output interface device 33. The sales report and billing information is sent to the main server.

In the third embodiment of the ride information collection and settlement system 30 and the RF terminal system 20, the information exchange between the two is processed in real time, so that the B / L card generation information can be determined quickly and accurately. It can increase the reliability of payment system.

As described above, the present invention can quickly and accurately process the use authentication and payment of a contactless transportation card, and enables the identification of the balance information of the transportation card and the refilling of additional reserves without regard to time and place. The effect of will appear.

In addition, the present invention is to cash the cyber points to the unique number of the RF transportation card to use the various types of cyber points and gratitude points that can be obtained on-line and off-line for the use of public transportation means, and using them The unique effect of paying the freight rate of will be shown.

Claims (2)

The present invention for achieving the above object is an RF traffic card having a unique number (12); An RF terminal system 20 for determining whether to approve a transaction by reading its unique number in a non-contact manner when using the RF traffic card and inquiring it in B / L information; Ride information collection and settlement system for providing the B / L information to the RF terminal system and collect and settle the transaction approval information for each unique number of the card (30); A card DB 46 holding balance information for each unique number of the card; The B / L DB 45, which frequently records the unique number information of the RF traffic card lacking the balance in the card DB, has been updated. A main server 40 which receives the billing and processes settlement for each card unique number in the card DB to update balance information for each card and provides B / L information of the B / L DB to the boarding information collection and settlement system; Opened a site for inquiring RF traffic card balance information and providing related information on the Internet, and upon request of balance confirmation by the holder of the RF traffic card, after reading the balance information for each unique number contained in the card DB through the main server A web server 41 for providing a service for informing the requestor of the request; Register the RF transit card holder as a member so that the registered member can acquire and earn free points on various online and offline points, and convert the accumulated free points into cash or partner accredited points and place them in the designated account of the bank account management system. Integrated point earning system 50 to process the deposit in the name of the unique number of the corresponding RF traffic card; When the card refill amount from the integrated point earning system for a specific unique number RF transportation card is deposited, the deposit information is provided to the main server so as to update the balance information of the corresponding card unique number in the card DB. According to the payment approval information, the bank account management system 42 for paying the billing price for the ride information collection and settlement system. The method of claim 1, wherein the bank account management system 42 is configured to be linked to the Internet banking system 43, including a PC banking system to allow the balance refill for the RF transport card for each unique number Transportation fare payment system using free points points.