KR20000074248A - Method for charging amount of eletronic card and deducting charged amount of eletronic card - Google Patents

Abstract

PURPOSE: A method for billing a charged money of an electronic card is provided to achieve billing dependent on the charged money of electronic cards charged through communication terminals by adding the charged money on communication service charges or through account transfer. CONSTITUTION: If an RF card is inserted into a terminal, the terminal dials up to a central center. The central center discriminates whether the terminal is a public telephone, a generic telephone, a mobile phone, a pager or a PC. The central center requests an RF number to the terminal and recognizes the RF number by a response from the terminal. The central center transmits a message to the terminal to recognize whether the charged money of the RF card will be paid through account transfer or added on communication service charges. If a user selects what charged money is added on communication service charges, the central center displays a KT card password input message through the terminal and authenticates the password of the KT card according to the user's input.

Description

Charge method of electronic card {METHOD FOR CHARGING AMOUNT OF ELETRONIC CARD AND DEDUCTING CHARGED AMOUNT OF ELETRONIC CARD}

The present invention relates to a method for granting a charge according to the charge amount of an electronic card charged through a communication terminal, in particular, such as a public telephone, home or wireless telephone, mobile phone, pager, personal computer (PC) having a communication function, etc. How to charge the amount of charge of the electronic card that allows you to charge the amount of charge by charging the electronic card, such as an RF card (traffic card) charged through the communication terminal, and adding it to the account transfer or communication fee And a computer readable recording medium having recorded thereon a program for realizing the same.

Currently, various electronic cards such as credit cards, prepaid cards, debit cards, and postpaid cards are widely used as electronic money.

By the way, the contact or contactless prepaid integrated circuit (IC) or wireless (RF) electronic card used in various distribution networks including subway, bus, taxi, parking lot, etc., which are commonly used as electronic money, is paid a predetermined fee according to the user's use. In the prior art, a predetermined amount of money was stored in advance in a prepaid electronic card, especially a transportation card, and then a predetermined fee was paid and a predetermined amount of money was used. Then, the prepaid charging was repeatedly performed for continuous use. .

However, the conventional prepaid charging method for the transportation card, there is a hassle that the user has to go to either the unmanned charging station or manned charging station. In other words, the prepaid charging method of the transportation card at the bank or the corresponding security maintenance area or bus card charging station where a separate charger is installed, such as a cash dispenser or a credit card withdrawal machine that is directly used in a bank, etc. There was a problem that you have to go to the charging station to carry or recharge the cash corresponding to the amount of charge.

Therefore, anytime, anywhere charging the electronic card, such as a traffic card, and the like to be charged to the charge amount by adding the charge amount to the account transfer or communication fee is required.

The present invention has been made in order to solve the problems described above, such as public telephones, wired and wireless general telephones, mobile phones, pagers, and traffic cards charged through a communication terminal such as a personal computer (PC) having a communication function, and the like. A computer-readable recording medium that records the charge amount of an electronic card for granting the charge according to the charge amount by calculating the charged amount of the electronic card and adding it to an account transfer or a communication fee. The purpose is to provide.

1 is an exemplary configuration of a transportation card billing system to which the present invention is applied.

Figure 2 is a detailed flowchart of an embodiment of the automatic transfer process of the charge amount charging method of the electronic card according to the present invention.

Figure 3 is a detailed flowchart of another embodiment of the postpaid billing process of the charge amount charging method of the electronic card according to the present invention.

* Explanation of symbols for the main parts of the drawings

11: electronic card 12: terminal

13: Communication Network 14: Central Center

15 financial institutions 15 telecommunication companies

121: card charger

According to an aspect of the present invention, there is provided a method of charging a charge amount of an electronic card in a communication system, comprising: a first step of providing a terminal with a chargeable module capable of charging the electronic card; Determining whether to approve the transaction of the electronic card input through the terminal, and charging the electronic card with a charge amount according to a user's request through a chargeable module provided to the terminal; And a third step of providing a charge for the charged amount according to the user's charged amount payment method by calculating the charged amount of the charged electronic card.

In addition, a communication system having a processor, the terminal having a chargeable module capable of charging an electronic card in the terminal; Determining whether to approve the transaction of the electronic card input through the terminal, and charging the electronic card with a charge amount according to a user's request through a chargeable module provided to the terminal; And a computer readable recording medium having recorded thereon a program for realizing a function of charging a charged amount according to a user's charged amount payment method by calculating the charged amount of the charged electronic card.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is an exemplary configuration of a transportation card billing system to which the present invention is applied.

As shown in Figure 1, the traffic card billing system, when charging the electronic card 11, such as KT traffic card through the card charger 121 of the terminal 12, financial institutions 15 or telecommunications company 16 ) Shows a configuration of a system that gives a user a charge according to the charge amount, such as by transferring the charge amount to the account or adding to the communication fee.

The central center 14 determines whether the electronic card 11 is appropriate, manages the KT card, the general telephone, and the PC member, and counts the charging history of the KT transportation card. In particular, according to the user's request, the charge amount of the electronic card 11 is settled, and the financial institution 15 or the telecommunication company 16 charges the user with the charge according to the charged amount, such as adding to an account transfer or a communication fee. do.

The central center 14 directly connects the financial institution 15 or the telecommunication company 16 according to the user's request to settle the amount of charge from the financial institution 15 or the telecommunication company 16 to the account transfer or communication fee. It can be configured to add to the user the charge according to the charge amount by adding, etc., even in this case it should be seen as the same as the present embodiment is obvious.

In this system, the terminal 12 uses a general household wired / wireless telephone, a mobile telephone, a pager, preferably a coin / credit card dual pay phone, and such a public phone terminal includes a card charger 121 capable of charging a KT transportation card. It is provided.

The terminal 12 is interlocked with the central center 14 through the communication network 13, wherein the mobile communication network 13 used here is a commercial cellular mobile communication network, a personal communication system (PCS), and a radio frequency. Trunked Radio System (TRS), Next Generation Mobile Communication Network (IMT-2000), Dedicated Network can be used, preferably Public Switched Telephone Network (PSTN).

Since the transportation card charging system to which the present invention is applied is not merely a technique well known in the art, detailed description thereof will be omitted here. However, in order to help the understanding of the present invention will be described in more detail with respect to the terminal 12 that can charge the electronic card 11, such as KT traffic card.

As described above, the terminal 12 may be a general household wired / wireless telephone, a mobile telephone, a pager, a public telephone terminal for a next-generation IC card service, and preferably a public telephone of a coin / credit card and an IC card. 12) A microcomputer and a card reader / writer function for reading and displaying data on the display means such as the amount of information of the electronic card 11 such as a KT traffic card having an electronic circuit therein should be implemented. There must be an insertion hole for inserting the electronic card (11).

When the electronic card 11 is inserted into the terminal 12, the microcomputer and the card reader / writer installed in the terminal 12 read and display data such as charge amount information of the electronic card 11.

In the present embodiment, it is assumed that the electronic card 11 is directly inserted into the exterior of the terminal 12, but the electronic card 11 is recognized in a contact manner without directly inserting the electronic card 11 in the terminal 12. It can be configured to be possible, even in this case it should be seen that the same as the present embodiment is obvious.

As such, when charging the electronic card 11, such as KT traffic card, the user can use the public transportation means and public telephones using the electronic card (11). At this time, the financial institution 15 or the telecommunication company (KT) 16 according to the user's request to settle the charge amount of the electronic card 11, such as a traffic card and add to the account transfer or communication fee, etc. Charge the user accordingly.

However, before charging the electronic card 11 such as a KT transportation card, the premise is to play a role in the central center 14. The central center 14 receives data from the terminal 12 and receives the electronic card 11. In order to determine the appropriateness of use, such as whether the electronic card 11 is defective or not, in connection with the financial institution 15 or the telecommunication company 16, etc.

The central center 14 determines whether the electronic card 11 is defective or not, and whether it is appropriate for use, such as the balance of the electronic card 11, such as a traffic card according to the user's request, and the financial institution 15 Alternatively, the procedure of charging the user according to the amount charged by the telecommunication company (KT) 16 by adding to the account transfer or the communication fee is as follows.

The central center 14 receives the information read by the card reader / writer of the terminal 12, determines the appropriateness of use, and informs the terminal 12 of the appropriateness. At this time, the terminal 12 asks the user whether to charge the inserted electronic card 11 if the use of the electronic card 11 is appropriate, and discharges the inserted electronic card 11 if the use is not possible. Thereafter, the terminal 12 performs a terminal-specific operation, that is, making a call, checking a call signal, using a computer, etc. and discharging the electronic card 11 if the user does not charge the electronic card 11. If the card 11 is to be charged, the charging amount inputted through the input device, that is, the input means provided in the terminal 12 is transmitted to the central center 14.

Next, the central center 14 searches and checks the blacklist database by linking the transmitted amount with the financial institution 15 or the telecommunication company 16 to determine whether the charge is approved. At this time, the terminal 12 displays a message indicating whether to transfer the charged amount from the user's bank account or settle the communication fee in addition to the settled amount. In this case, if the user wants to transfer the account, a message for inputting the account number and password is displayed again through the terminal 12 to authenticate the account number and password according to the user's input, and the financial institution 15 when appropriate. Will charge your account according to the amount charged.

On the other hand, if the user wants to settle in addition to the communication fee, that is, the phone bill, the central center 14 inquires whether the use of the electronic card 11 or the poor status of the user through the black list database, Instruct the reader / writer of the terminal 11 to charge the electronic card 11 with a desired amount of money, and inform the telecommunication company 16 of the charged amount to communicate the charge according to the charged amount in the telecommunication company 16. We add to rate.

Here, the request and response process of the charge amount request and response between the central center 14 and the terminal 12, its authentication process, the request and response process of whether to transfer the charge amount from the user's bank account or to add to the communication fee And the authentication process can be configured by changing the order, even in this case it should be seen that the same as the present embodiment is obvious.

As such, the central center 14 may be a financial institution 15 or a communication company 16 such as a credit card company, a bank, or the like, according to a choice such as adding to an account transfer such as an amount of payment or a communication fee such as a telephone bill, and the like. The card reader's electronic card 11 and inputted account information are inquired through information provided to the blacklist database from other operators and the like, and information on whether the approval is transmitted to the terminal 12 is sent to the card reader for the approved charge amount. Allow the writer to fill in the electronic card 11.

As described above, in the present embodiment, it is assumed that the central center 14 is configured to determine adequacy of use such as whether the electronic card 11 is defective or not, but the terminal 12 is determined by the financial institution 15 or the like. Directly connect the telecommunications company 16 to the financial institution 15 or the telecommunications company 16 to determine the appropriateness of the use of the card, and to settle the charge amount in the legitimate electronic card (11) account transfer or communication fee It can be configured to impose a charge on the user according to the charge amount by adding to, etc., even in this case it should be seen as the same as the present embodiment is obvious.

As such, the process of inquiring whether the central center 14 and the financial institution 15 or the telecommunication company 16 are appropriate to use the electronic card 11 when charging the electronic card 11 can be configured in various ways. Detailed description of the description will be omitted.

Although the above-described electronic card 11 has been described with reference to a contact prepaid card, it can be applied to a contactless prepaid card as well. In this case, the terminal 12 does not necessarily have to be provided with an insertion hole for a contact electronic card. Of course, the other charging and charging process is the same as in the case of contact. However, in order to perform the charging operation of the contactless electronic card, the electronic card 11 is provided with an induction coil, that is, an antenna coil, which receives power from the terminal 12, and the terminal 12 supplies power to the electronic card 11. The only difference is that the power transmission coil for transmission is mounted, which is similar to the structure of the electronic card circuits currently used in bus cards and subway cards, and thus detailed description thereof will be omitted.

FIG. 2 is a detailed flowchart illustrating an automatic debit process in the charging amount charging method of an electronic card according to the present invention. The charging amount is determined by the financial institution 15 in consideration of a case in which the user charges the electronic card 11. Represents a procedure for transferring funds.

As shown in Figure 2, the automatic transfer process of the charging amount charging method of the electronic card 11 according to the present invention, first, when the RF card (transport card) is inserted into the terminal 12 (201), the terminal 12 ) Is dialed up to the central center 14 (202) and the terminal 12 dialed up from the central center 14 is a public telephone, home / wireless telephone, mobile telephone, pager, personal computer with a communication function. Awareness is distinguished (203).

Thereafter, the central center 14 requests the RF number from the terminal 12 (204) and receives the response from the terminal 12 to recognize the RF number (205).

Next, the central center 14 transmits a message to the terminal 12 to select whether to transfer the charge amount of the RF card to be charged or to add to the communication fee in postpayment (206). At this time, if the user selects the account transfer for the charged amount through the terminal 12 (207), the central center 14 displays a message to enter the account number and password again via the terminal 12 (208) In step 209, the account number and password are authenticated according to the user's input.

Subsequently, the central center 14 sends a message to the terminal 12 to input the charge amount (211) and searches the blacklist database (212) for the charge amount input via the input means provided in the terminal 12 (212). In contrast, it is determined whether the charge amount is approved for charging (213). At this time, the central center 14 instructs the reader / writer of the terminal 12 to charge the electronic card 11 with a desired amount for an appropriate user who is not blacklisted (214). 15, the charge amount is notified (216) and the financial institution 15 transfers the charge according to the charge amount.

Here, in order to settle the correct charge for the charge, the central center 14 informs the charge amount to the financial institution 15 when the charge completion confirmation signal is input from the terminal 12 (215) (216) In 15), the account will be charged according to the amount charged.

In the present embodiment, the central center 14 performs the request and response and the authentication step (206 to 210) of whether to transfer the recharge amount from the user's bank account to the terminal 12 or settle in addition to the communication fee. Afterwards, the charge amount request and response and its authentication step (211 to 213) is configured to perform, but the process can be configured in a reversed order, even in this case it should be seen that the same as the embodiment.

In addition, in the present embodiment, it is assumed that the central center 14 is configured to determine whether the RF card is defective or not, such as the presence or absence of the balance, the terminal 12, the financial institution 15 or the telecommunication company 16 The financial institution 15 or the telecommunications company 16 searches the blacklist database to determine the appropriateness of the card use, and calculates the amount of the charge at the legitimate RF card and adds it to the wire transfer or communication fee. It can be configured to be able to charge the user according to the charging amount, such as, it is obvious that it should be regarded as the same as this embodiment even in this case.

3 is a detailed flowchart illustrating a post-paid billing process of the charging amount charging method of an electronic card according to the present invention, in which the user charges the electronic card 11 to the charged amount in the communication company 16. Represents the procedure for adding the charge to the telecommunication charge.

As shown in Figure 3, the post-payment charging process of the charging amount charging method of the electronic card 11 according to the present invention, first, if the RF card (transport card) is inserted into the terminal 12 (301), the terminal 12 ) Is dialed up to the central center 14 (302) and the terminal 12 dialed up from the central center 14 is a public telephone, a home / wireless telephone, a mobile telephone, a pager, a personal computer equipped with a communication function. Awareness is distinguished (303).

Thereafter, the central center 14 requests the RF number to the terminal 12 (304), receives the response from the terminal 12, and recognizes the RF number (305).

Next, the central center 14 transmits a message to the terminal 12 to select whether to transfer the charge amount of the RF card to be charged or to add to the communication fee without a post payment (306). At this time, if the user selects to add the charge for the charge amount to the communication charge through the terminal 12 (307), the central center 14 prompts the user to enter the password of the KT card again through the terminal 12 Display (308) to authenticate the password of the KT card (309) according to the user's input (309).

Subsequently, the central center 14 sends a message to the terminal 12 to input the charge amount to the terminal 12 (311) and searches the blacklist database for the charged amount input via the input means provided in the terminal 12 (312). In contrast, it is determined whether the charge amount is approved for charging (313). At this time, the central center 14 instructs the reader / writer of the terminal 12 to charge the electronic card 11 with a desired amount for an appropriate user not blacklisted (314). The communication company 16 is notified (316) so that the communication company 16 adds the charge according to the charged amount to the communication fee.

Here, in order to settle the correct charge for the charge, the central center 14, when the charge completion confirmation signal is input from the terminal 12 (315), and informs the carrier 16 the charge amount (316) In (16), the charge according to the charged amount is added to the communication fee.

In the present embodiment, the central center 14 performs a request and response to the terminal 12 to transfer the amount of money from the user's bank account or to settle in addition to the communication fee, and performs authentication steps 306 to 310 thereof. Afterwards, the charge amount request and response and its authentication step (311 to 313) is configured to perform, but the process can be configured in a reversed order, even in this case it should be seen that the same as the embodiment.

In addition, in the present embodiment, it is assumed that the central center 14 is configured to determine whether the RF card is defective or not, such as the presence or absence of the balance, the terminal 12, the financial institution 15 or the telecommunication company 16 The financial institution 15 or the telecommunications company 16 searches the blacklist database to determine the appropriateness of the card use, and calculates the amount of the charge at the legitimate RF card and adds it to the wire transfer or communication fee. It can be configured to be able to charge the user according to the charging amount, such as, it is obvious that it should be regarded as the same as this embodiment even in this case.

The present invention described above is capable of various substitutions, modifications, and changes without departing from the spirit of the present invention for those skilled in the art to which the present invention pertains, and the above-described embodiments and accompanying It is not limited to the drawing.

The present invention as described above, when charging the electronic card of the electronic card, such as a public telephone, household wired and wireless telephones, mobile phones, pagers, a communication card (RF card) charged through a communication terminal such as a PC having a communication function By charging the charge amount and adding it to the account transfer or communication fee, the e-card charging / use method is improved to a more user-centered and simple structure, which reduces charging fees for various e-card carriers, and is convenient and versatile for card users. It is effective to provide environment for use. In particular, the present invention enables the telecommunications company (KT) not only to act as a facilitator in recruiting members, but also to contribute to cost reduction and environmental protection through the permanent customization of members and the suppression of disposable prepaid public telephone cards. There is an effect that can create.

Claims (10)

In the method for charging the charge amount of the electronic card in the communication system, A first step of providing a terminal with a chargeable module capable of charging the electronic card; Determining whether to approve the transaction of the electronic card input through the terminal, and charging the electronic card with a charge amount according to a user's request through a chargeable module provided to the terminal; And A third step of charging a charged amount according to a user's charged amount payment method by calculating the charged amount of the charged electronic card Charging amount of the e-card made of, including The method of claim 1, The terminal, A method for charging a charge of an electronic card, including a general household wired / wireless telephone, a mobile telephone, and a pager, which is a public telephone terminal that is substantially a coin / credit card and an integrated circuit (IC) card. The method of claim 1, The electronic card, Electronic money, including contact and contactless prepaid transportation cards, which can be used to store prepaid recharges through bank transfer, and postpayable recharges using credit cards and KT transportation cards. Charge amount charging method of the electronic card, characterized in that. The method according to any one of claims 1 to 3, The third step, The charge amount charging method of the electronic card, characterized in that the charge for the charge amount is given by paying the charge amount of the charged electronic card by the account transfer. The method of claim 4, wherein The second step, A fourth step of, when the electronic card is inserted into the terminal, the terminal dialing up to a central center to classify the type of the terminal dialed up at the central center; A fifth step of the central center requesting a card number from the terminal and receiving a response from the terminal to recognize the card number; A sixth step of sending, by the central center, a message to the terminal to select whether to transfer the charge amount of the electronic card to be charged or to add to the communication fee without a post payment; A seventh step of authenticating the account number and password according to the user's input by displaying, through the terminal, a message for inputting an account number and a password by the central center when the user selects the account transfer for the charged amount; An eighth step of transmitting, by the central center, a message for inputting a charged amount to the terminal, searching and comparing a blacklist database with respect to the charged amount input through the input means provided in the terminal, and determining whether to approve the charged amount; ; And As a result of the determination of the eighth step, in the case of an appropriate user not blacklisted, the central center instructs the reader / writer of the terminal to charge the electronic card with the desired amount of money, and finances the charged amount. Step 9 to notify the institution that the financial institution transfers the charge according to the amount charged Method of charging the charge amount of the electronic card made, including. The method of claim 5, After performing the eighth step, when the charge completion confirmation signal is input from the terminal in order to settle the accurate charge for the charge, the central center notifies the financial institution of the charge amount and charges the charge according to the charge amount. Tenth step to direct bank transfer Method of charging the amount of charge made of the electronic card further comprising. The method according to any one of claims 1 to 3, The third step, The charge amount charging method of the electronic card, characterized in that the charge for the charge amount of the charge by charging the charge amount of the charged electronic card and added to the communication fee in the post-payment. The method of claim 7, wherein The second step, A fourth step of, when the electronic card is inserted into the terminal, the terminal dialing up to a central center to classify the type of the terminal dialed up at the central center; A fifth step of the central center requesting a card number from the terminal and receiving a response from the terminal to recognize the card number; A sixth step of sending, by the central center, a message to the terminal to select whether to transfer the charge amount of the electronic card to be charged or to add to the communication fee without a post payment; If the user wants to add the charge for the charge to the communication fee, the central center displays a message for inputting the password of the payment card through the terminal to authenticate the password of the payment card according to the user's input. Seventh step; An eighth step of transmitting, by the central center, a message for inputting a charged amount to the terminal, searching and comparing a blacklist database with respect to the charged amount input through the input means provided in the terminal, and determining whether to approve the charged amount; ; As a result of the determination in the eighth step, in the case of an appropriate user not blacklisted, the central center instructs the reader / writer of the terminal to charge the electronic card with a desired amount of money, and communicates the charged amount. A ninth step of informing the company that the telecommunications company adds the charge based on the charged amount to the communication fee; Method of charging the charge amount of the electronic card made, including. The method of claim 8, After performing the eighth step, when the charge completion confirmation signal is input from the terminal to settle the correct charge for charging, the central center notifies the telecommunication company of the charge amount and communicates the charge according to the charge amount in the telecommunication company. Tenth step to add to rate Method of charging the amount of charge made of the electronic card further comprising. In a communication system having a processor, A function of equipping a terminal with a rechargeable module capable of charging an electronic card; Determining whether to approve the transaction of the electronic card input through the terminal, and charging the electronic card with a charge amount according to a user's request through a chargeable module provided to the terminal; And Settles the charged amount of the charged electronic card and gives a charge for the charged amount according to the user's charge amount payment method A computer-readable recording medium having recorded thereon a program for realizing this.