KR20000054140A - RF-ID intergration system for settlement and rechargement function - Google Patents

Abstract

PURPOSE: A system for integrating payment and charge of an RF card, is provided to use the RF card linked to an electronic purse, and to additionally pay on account to the electronic purse of a cyber account when the balance of the electronic purse is under a minimum payment. And the system enables to simultaneously pay and charge for the RF card, and to confirm contents of payments on the Internet. CONSTITUTION: A system for integrating payment and charge of an RF card, comprises an agency(220) managing an electronic purse and payment, a main server, and a terminal/server. The agency(220) managing an electronic purse and payment confirms a credit of a user(200) through a financial agency and manages a chard or a check, when the user(200) submits user information including private information and a payment method to an agency managing the electronic purse, and demands to issue a card or a check which can be used as an electronic purse or electronic money to inquire commodity purchase specifications, ticket booking specifications and payment. The main server has a database storing the commodity purchase specifications and ticket booking specifications. Also, the main server purchases or books a commodity and a ticket and processes dealing information electronically, as the user connects to a company and an enterprise associated with the agency(200) in real or electronic. And the terminal/server is installed in the enterprise, and transmits information recorded in the electronic purse to the agency(200). When the user demands approval to the agency(200) after purchasing a commodity and booking a ticket, by connecting to a home page of the enterprise or visiting really, the agency(200) checks a defect of the agency(200) and supplied the checked result to the enterprise or the user. And then the user purchases a commodity and books a ticket, simultaneously, and information of an additional payment on account is recorded in the RF card if the information exists.

Description

RF card interrogation and rechargement function {RF-ID intergration system for settlement and rechargement function}

The present invention relates to a payment system, and more particularly to a payment and charging integration system of the RF card.

In the case of a regular bus or subway card, if the balance is insufficient, the card must be paid in cash at a separate charging station or by using a credit card. Also, electronic money and electronic wallets are used for micropayments. The following problems arise with this payment method.

In order to charge the card, you will need to visit a charging station.

Payment cannot be made by using a bank transfer method.

If you use a credit card, you pay a lot of fees

If you lose your card, you can't find the amount left on your old card.

Issuance of receipt is hard at the time of use such as bus, subway.

The technical problem to be achieved by the present invention is an RF card associated with the electronic wallet that can make a payment in payment by using an electronic wallet that can be paid for after booking a ticket or purchase products through the Internet If the balance of the e-wallet does not meet the minimum payment requirement, make an additional deposit to the e-wallet or cyber account by using a bank transfer or credit card from the bank, and then the user By using RF Card, the payment and recharging of RF Card can be performed at the same time, and the payment and recharging integration system of RF Card of RF Card can be verified through the internet network. .

Figure 1: RF card payment and charging integration system

In order to solve the above technical problem, the RF card payment and charging integration system according to the present invention, the user submits user information including personal information and payment method to the electronic wallet management agency and purchases the product, ticket purchase history and payment or not Electronic wallet management and payment agency that manages the card or check after confirming the user's credit through a financial institution when requesting issuance of a card or check that can be used for the purpose of an electronic wallet or electronic money that can be viewed; The database includes a database for storing the product purchase history and ticket reservation details, and the user purchases goods and tickets by accessing a company or a company affiliated with the electronic wallet management and payment agency in real or computerized manner. A main server capable of making a reservation or making a reservation and processing computerized transaction information; A terminal and a server installed in the company and transmitting information recorded in the electronic wallet to the electronic wallet management authority; If the user accesses the homepage of the company or actually visits the product and requests the approval of the electronic wallet management and payment agency after purchasing a product or making a ticket reservation, the electronic wallet management and payment agency checks whether there is a defect in the payment and the result It provides the company and the user, and the user purchases the product purchase and tickets, and at the same time additional deposit information is recorded on the RF card if the additional deposit information in the electronic wallet.

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

First, the payment and charge integration system of the RF card used in the present invention will be described.

1 is a configuration diagram showing a preferred embodiment of the payment and charging integration system of the RF card according to the present invention, the user 200, the user institution 210, electronic wallet management and payment agency 220, RF card And a recorder and decoder 240.

The user 200 is a person who wants to purchase a product or a ticket for a movie, a theater, a stadium, etc. in the user institution 210, and manages an electronic wallet management and payment agency for a predetermined amount in advance for payment of the price for the purchased product. A person who has been paid in advance and received electronic wallet and electronic money.

User organization 210 is a company or company that has contract with electronic wallet management and payment agency 220, payment and management on the Internet such as transportation (bus, subway, train, etc.), tickets (theatre, stadium, etc.) A company or a company that can use electronic wallets and electronic money, such as institutions that require them.

Electronic wallet management and payment agency 220 is a card, check, cyber account, etc. that allows the user 200 to look up user information including personal information and payment methods, product purchase history, ticket reservation details, etc. through a computer network As an organization that issues and manages electronic wallets and electronic money, it means companies, companies or corporations that manage the entire system.

An electronic wallet account is a cyber account or an internet account that can be accessed through letters (IDs) or numbers that can confirm the user's identity, such as a user's ID and password, and enables the user to search his / her transaction information, make payments, and transfer money.

In addition, the electronic money, such as a card or check associated with the electronic wallet account is an electronic money, such as a card or check issued by the electronic wallet management and payment agency 220, the user 200 is an electronic wallet management and payment agency ( 220 refers to a medium that can be used by the user for the amount deposited through the bank transfer, credit card, etc. from the financial institution 230.

RF card recorder and decoder 240 is a device installed in the user institution 210, the user 200 using the RF card as a payment tool used when the payment, such as product purchases in the user institution 210 occurs In this case, it refers to a device that decrypts this and requests the electronic wallet management and payment agency to inquire and receives the result and makes a payment. In addition, when a user makes an additional payment to the electronic wallet, it refers to a device that can record information on the additional deposit information on the RF card, which is linked with the electronic money, and the information is always computerized with the electronic wallet management institution 220. Refers to the connected device.

In addition, the recharge of the RF card refers to the electronic wallet of the electronic wallet management and payment agency 220 of the electronic wallet of the user's cyber account or the Internet account 200 of the bank transfer from the bank 230, credit card, cash When depositing through a method such as deposit, the electronic wallet management and payment agency 220 is linked to the deposit details computerized to record additional deposit information on the RF card when the user 200 uses the RF card after the deposit. Say that.

Based on the above-described configuration, it will be described with respect to the RF card payment and charging integration system according to the present invention.

When the user 200 who wants to use the electronic wallet applies for the use of the electronic wallet management and payment agency 220 using a computer network such as the Internet, the electronic wallet management and payment agency 220 uses the user's 200. Create an electronic wallet account, the user 200 fills the user's electronic wallet account with the desired amount through an account transfer, etc. from the user's bank account or credit card to the electronic wallet account.

Finally, the user 200 may purchase a product by using an ID, password, or a card, pay a transportation fee, make a ticket reservation on the Internet, etc., and recharge the RF card at the same time as the purchase and reservation through the following process. .

When the user's 200 has insufficient balance or additional deposit in the electronic wallet account, the electronic wallet management and payment agency (220) deposits the electronic wallet through bank transfer, credit card, cash deposit, etc. ) Is linked to the payment information by the computer, the user 200 actually visits the user institution 210 to purchase goods or payment information such as ticket reservation occurs using the RF card payment, the RFID card record and The decryptor 240 requests the electronic wallet management and payment agency 220 to check the balance and personal information of the user's electronic wallet or electronic money, and the electronic wallet management and payment agency 220 requests the user's ID, password or Check the identity of the user using the card number, etc., check the presence or absence of the defect of the payment and notify the result to the user institution 210, the RF of the user agency 210 The recorder and decoder 240 checks whether the payment information for the purchase of the product and the ticket reservation and the additional deposit information of the user 200 are linked to the payment and the additional deposit information for the product purchase and the ticket reservation information. After recording on the card, the recording result is notified to the electronic wallet management and payment agency 220.

In addition, the system is used in a place such as a bus or subway, which is a user institution 210 that is not linked to a computer, and then in a user institution 210 having an RF card recorder and decoder 240 linked to a computer. When used, the information is recorded on the RF card by the additional record information linked to the computer, and receiving and receiving the receipt of the RF card, characterized in that the integration system.

According to the invention,

First, no additional work is needed to recharge the wallet.

Secondly, the RF card used in the system can be reissued if lost and has less risk due to the use of others when lost.

Third, it is possible to issue a receipt when using a bus or subway.

Claims (2)

When the user changes the balance of the electronic wallet due to lack of balance or deposit in the electronic wallet of the electronic wallet management and payment agency, the electronic wallet management and payment agency links the additional deposit information to the computer and then the user In the case of using an RF card in a user institution having an RFID card recorder and a decoder linked to the card, the payment and recharging of the RF card that records additional deposit information on the RF card at the same time as the purchase of goods, etc. Integrated system RF card recorder and decoder, which has the ability to record and decrypt RFID cards.