KR20020001309A - Charging System of Cash Charging Card - Google Patents

Abstract

PURPOSE: A system for charging a cash charge card is provided to activate use of the cash charge card by easily charging the cash charge card with cash through a communication network. CONSTITUTION: A user connects to a financial settlement institution(3) through the Internet by using a personal computer(10) or an ATM having an internal or external charging module(20) charging a cash charging card(2) with cash. The financial settlement institution(3) confirms identity of the cash charge card user and the user requests charge of predetermined amount of money. The financial settlement institution(3) allows charge of requested amount of money within the withdrawal range from a settlement account of the user and transmits a charge order to the personal computer(10) or the ATM. According to the charge order, the charging module(20) charges the cash charge card(2) with the allowed amount of money. The money corresponding to the charged amount is withdrawn from the settlement account of the user.

Description

Charging System of Cash Charging Card}

(Technology)

The present invention relates to a charging system for a cash charging card, and more particularly, to a system for charging an amount required for a cash charging card from a payment account of a financial settlement institution online by using a charging module installed in a personal computer.

(Background)

With the activation of various electronic money, fares such as buses and subways are now widely paid by using so-called prepaid cards called bus cards or subway cards (transport cards) instead of cash. The use of is a situation where the target area is getting wider.

The prepaid card pays various charges such as the transportation fare that is frequently used in daily life, enters the prepaid amount on the prepaid card (IC card) through the process of recharging, and reads the card reader every time the various charges are paid. The process is used to reduce the charge from the prepaid card, while the charge collector is then used to receive the charge from a financial settlement agency (eg bank).

Such a system for using a prepaid card includes a prepaid card designed to have a cash recharging function, a charging device having a function of recharging a prepaid card, a card reader that reads a prepaid card and charges a prepaid card. There is a need for a financial settlement agency to settle fees between the prepaid cardholder and the toll collector.

However, in the use of prepaid cards up to now, it has been inconvenient to fill a prepaid card with an amount of money, which has acted as a deterrent to the prevalence of prepaid cards. In other words, in order to charge a predetermined amount of money in a prepaid card, a lot of cases have to visit the place where a charging device is provided (for example, a prepaid card sales office).

On the other hand, as one of the electronic money, a debit card that can be used for payment of goods within the range of the balance deposited in the financial settlement institution is widely used. One of the problems with such debit cards is that if someone who has lost a textile card and uses it illegally, they may lose the amount equivalent to the balance of the largest financial settlement institution.

Under these circumstances, if you add the function of a debit card to a rechargeable prepaid card (as well as pay for transportation, etc.), you can pay for the goods within the amount of the charge. There will be an advantage that the amount of loss when it is lost can be reduced within the range of the charged amount.

Hereinafter, in the present invention, a card including a prepaid card, such as the above-mentioned transportation card, to charge cash and pay a predetermined cost is referred to as a "cash charge card".

It is an object of the present invention to improve the use of a cash recharge card by eliminating the hassle of recharging by recharging the recharging system of a cash recharge card widely used as a means of payment such as transportation fees.

Another object of the present invention is to allow the existing cash recharge card, which has been used only for payment of daily fees such as transportation fees, to be used for payment in all fields in which ordinary debit cards such as payment of goods are used. You do not need to carry a credit card, and you want to eliminate the risk of a debit card that can cause you to lose a lot of money if you lose it.

1 is a schematic block diagram of an exemplary cash card charging system of the present invention;

2 is a schematic block diagram of an exemplary cash card charging system of the present invention;

Figure 3 is an exemplary charging and payment flow chart of the cash charging card charging system of the present invention,

Figure 4 is a flow chart showing an example of the charging process of the cash charging card charging system according to the present invention.

<Description of Symbols for Main Parts of Drawings>

1: cash charging card charging system of the present invention

2: cash card

10: personal computer

20: charging module

21: card compartment

22: card reader

23: card charging section

24: control unit

30: ATM

According to the present invention, a charging module for recharging a required amount of money to a cash recharging card is built in or external to a personal computer or an automatic teller machine, and the charging module is controlled according to the control of the personal computer or the automatic teller machine. Recharging a cash recharging card, characterized in that a predetermined amount is charged to the cash recharging card within a range allowed by the user of the cash recharging card and the financial settlement institution through an online connection with a financial settlement institution. A system is provided.

In the cash charging card charging system of the present invention, a user who has been approved to use the cash charging card uses a personal computer or an automatic teller machine provided with the charging module to connect to a financial settlement institution through a communication network, and executes the operation program. After verifying your identity and requesting a certain amount of payment, the financial institution will check your payment account and allow you to recharge the amount requested within the balance or cash advance. Is processed in such a way that the charging card is charged by the action of the charging module.

Cash recharging card used in the present invention is configured to have a function of paying a variety of charges, such as bus or train fare, as well as a function of paying a variety of goods within the range of the charged amount similar to a normal debit card It is preferable. In this case, when the user charges the cash recharge card, the user may separately charge the charge amount for the payment such as a transportation charge and the charge amount for the goods for payment in the process of obtaining inquiry and approval from the financial settlement institution. The store that sells the goods checks the user's cash recharging card with a card checker or similar function, and checks the usage and the limit of use, and pays the price.

Cash Receipt Card Users are given a unique identification code (ID, password, password, etc.) to verify their identity with the financial settlement institution during the approval process for the use of the Cash Receipt Card. . Therefore, if someone else uses the card, the transportation fee of the card can only be charged within the limits already charged. In addition, if a loss of a cash card is reported to a financial settlement institution, an illegal user may prevent its use as a denial of approval by the financial settlement institution even if he or she wishes to pay for the goods with the cash card.

In the case where the charging system of the present invention uses a personal computer, a method of directly recharging a cash recharging card is adopted, so that every charge procedure is performed to prevent the risk of manipulating the recharge amount. It is advisable to have a financial settlement institution keep the records. By doing so, it is possible to exclude the possibility of illegal charging in advance, and to prevent future use of the illegal user or penalties of credit transactions, thereby preventing accidents that may occur during the charging process of the credit card. All these processes apply known authentication and encryption techniques.

Hereinafter, with reference to the accompanying drawings will be described in detail the cash charging card charging system according to the present invention. The following embodiments are merely illustrative of the cash charging card charging system according to the present invention, it is not intended to limit the scope of the present invention.

1 is a schematic block diagram of an exemplary cash charging card charging system of the present invention, FIG. 2 is a schematic block diagram of an exemplary cash charging card charging system of the present invention, and FIG. 3 is an exemplary of a cash charging card charging system of the present invention. Charging and payment flow chart, Figure 4 is a flow chart showing an example of the charging process of the cash card charging system according to the present invention.

As shown in Fig. 1, the feature of the cash charging card charging system 1 according to the present invention is that a charging device previously provided only at a charging location is incorporated as a module in a personal computer 10 owned by an individual. Or by externally, you can obtain cash directly from the financial settlement institution 3 at the home or office where your personal computer 10 is located without having to visit a specific charging station for cash card charging (2). The charging card 2 can be charged.

The personal computer 10, as is well known, includes a central processing unit 11 (CPU), a main memory device 12 including RAM and ROM, an auxiliary memory device 13 including a hard disk, a keyboard and a mouse. A charging module of the charging system 1 according to the present invention, including an input device 14 and an output device 15 including a monitor and a printer, and ordinary communication means 16 such as a modem or a LAN card. 20 is provided as one peripheral device attached to the personal computer 10 to cooperate with the personal computer 10 to perform the charging function of the cash recharging card 2.

The configuration of the built-in or external personal computer charging module 20 is similar to the basic configuration and function of the conventional general charging device, but is connected to the personal computer 10, so the components that the personal computer itself can support and There is a difference that does not need to be provided separately in the operating module charging module (20).

For example, the charging module 20 may include a card mounting unit 21 on which the cash charging card 2 is readable, a card reader 22 for reading data stored in the IC chip of the cash charging card 2, and a user. To control the interaction between the card charging unit 23, the charging module 20 and the charging module 20, and the personal computer 10, which inputs a request and charges the amount of charge received and approved by the financial settlement agency 3; And a control unit 24.

If the charging module 20 is a built-in type is mounted in the bay of the personal computer to facilitate the insertion and withdrawal of the cash charging card (2), if the external type is connected to the personal computer 10 using a cable.

In addition, the personal computer 10 includes an appropriate charging module driver DR for driving the charging module 20 in accordance with an operating system (OS) of the personal computer 10 and the communication means 16 of the personal computer 10 (example: And an operating program (AP) for realizing a unique charging function of the charging module 20 which performs a series of charging processes by connecting to the Internet with the financial settlement institution 3 through a modem). The charging function will be performed.

As shown in Fig. 3, as the cash charging card 2 used in the cash charging card charging system of the present invention, only the presence or absence of the remaining balance at the time of use, such as a bus or a train fare, is significant. The function of the charge card for bill payment without the prior approval of (3) and the payment of various goods similar to the debit card are required, and the inquiry and approval of the financial settlement institution (3) is required for payment of the goods. It is preferable to configure so as to have all the functions of the charging card for payment.

Payment of goods by cash card (2) is similar to credit or debit card payment method in that it can be used to pay for the goods, but the deposit is made through the approval process by the financial settlement institution (3) directly. It is different in that it can be charged within the bound of the remaining balance or within the service limit, and the goods can be settled within the limit of the amount charged on the cash card 2.

Therefore, if the credit card is lost, the amount corresponding to the balance of the largest financial settlement institution may be lost, but if the cash card (2) having the item payment function is lost, the maximum loss amount is charged. Limited. The item payment function of this cash charge card (2) is particularly useful for purchasing low-cost goods without using cash.

In the case of adding the item payment function to the cash recharge card 2, when the user charges the cash recharge card 2, the user may select and recharge the charge recharge amount and the recharge amount for the item payment separately.

In addition, the charge of the amount for billing the cash charge card (2) is preferably given to the compatibility to be charged not only by the charging module 20, but also by the charging device provided in the existing charging station, thereby charging module It is possible to charge even in a charging station without the personal computer 10 having the 20, and its use is more convenient.

In addition, the charging system 1 of the cash charging card according to the present invention, as shown in Figure 2 by mounting the charging module 20 in the ATM (30), which is widely used for cash withdrawal, such a cash dispenser ( It is desirable to be able to charge through 30). That is, including an input / output device 31 such as a touch screen for inputting and confirming necessary data, a communication means 32 such as a modem or a LAN card and a control unit 33 for connecting communication with the financial settlement institution 3. When the above-described charging module 20 is mounted on a conventional cash dispenser 30 and configured to perform a functional charging operation, the cash recharge card 2 may be replaced by a cash dispenser 30 widely disposed in a subway or the like. Being able to charge makes it more versatile.

Stores that sell merchandise typically do not have a reader that can accept the amount charged on the cash card (2) .The cash card can be used to check existing debit or credit cards. If the payment for the goods by the card (2) is also configured to be possible, you do not have to supply a reader for a separate cash charging card (2).

That is, in the case of paying the goods price with the cash recharge card 2, the goods seller inquires the financial settlement institution 3 whether the buyer can use and pay for the cash recharge card 2 with the existing card inquiry machine, The financial settlement institution 3 can withdraw the amount of the goods from the cash card (2) and at the same time pay the amount to the seller's account to make a payment.

Hereinafter, with reference to Figure 4 will be described the charging process of the cash card 2 by the cash card charging system (1) according to the present invention. In order to use the cash charging card charging system 1 of the present invention, the use of the cash charging card 2 is approved by the financial settlement institution 3 to open an account, and the charging module 20 is connected to a user's personal computer ( 10) It should be installed in the corresponding drive (DR) and operation program (AP).

First, the user drives the charging system operation program (AP) installed in his personal computer 10, accesses the homepage of the financial settlement institution 3, enters the page for charging the cash card, and then charges the cash card. Click the run icon (S1).

Next, the user inserts and loads the cash charging card 2 into the charging module 20 (S2), and the data necessary for identification and charging and payment of the user, such as ID, password, cash charging card number, payment account number While inputting the information (S3), the charge is to select whether it is for the transportation fare payment, the goods payment or both, and input the desired amount of charge for each (S4). After inputting the necessary matters, the inputted information is checked and sent to the financial settlement institution 3 (S5).

The financial settlement institution 3 receives the data input by the user and the data that the charging module 20 reads from the cash charging card 2 and transmits the data, and determines whether the cash charging card 2 can be used based on this. (S6), if not available (NO) informs the reason and ends the charging process (S7).

If the cash card 2 is usable (YES), it is determined whether there is an error in essential data such as a password or a payment account (S8), and if the data is inconsistent (NO), it is notified and a re-entry is required. (S9).

If there is no abnormality in the identity card and the cash card (2), check whether the balance in the payment account (S10). If there is no balance (NO), it informs that charging is impossible (S7) and ends the charging operation.

Next, check whether the recharge amount is within the balance (or cash service limit) (S11). If the recharge amount exceeds the balance (NO), the user is requested to re-enter the recharge amount within the balance. (S9).

If there is a balance and the recharge amount is within the balance, the recharge name of the recharge amount requested by the user is transmitted (S12), and the recharge module 20 requests the cash recharging card 2 according to the recharge name. Charge (S13). When the charging is completed, the corresponding amount of money is withdrawn from the user's payment account, the result and the balance are guided (S14), and the charging operation is finished.

When the cash dispenser 30 is used in the cash card charging system according to the present invention, the charging process is substantially the same as described above, except that the cash dispenser 30 is used instead of the personal computer 10. Is done.

In the above description of the cash charging card charging system of the present invention, the specific configuration of the card mounting unit 21, the card reader 22 and the card charging unit 23 constituting the charging module 20, charging module 20 Details of the drive (DR) and the operating program (AP) for operating the system, the matter of converting the existing card inquiry machine to pay for the goods by the cash card (2), charging the automatic teller machine 30 Techniques for applying the module 20 are those that can be appropriately configured in accordance with the features of the present invention by techniques known in the art of the present invention and these configurations themselves are not features of the present invention, so the detailed description thereof Omit.

Cash charging card charging system according to the present invention described above, equipped with a charging module 20 that can charge the cash charging card (2) in the personal computer 10 owned by each individual and a communication network such as the Internet network If the financial settlement institution 3 requests the cash payment card 20 to be directly charged, the financial settlement institution 3 communicates with the charging module 20 through communication within the limit of the user's payment account or within the service limit. Since it is a system to charge the cash charging card 2 by), there is no hassle of visiting the charging place to charge the charge at all, and thus can further enable the use of the cash charging card to contribute to the electronic money era.

In addition, by adding a function that can pay for the goods, such as a debit card in addition to the payment function of daily charges such as transportation charges to the cash charge card used in the cash charging card charging system of the present invention can be worn due to the loss of credit cards. Significant damages can be reduced to the limit of the amount charged, and thus can be widely used for payment of small items. In addition, since the purchase of goods is limited to the amount of the charged amount, it is also expected that if the user only charges the amount to be used, the impulse purchase can be suppressed due to unexpected purchase desire.

Claims (4)

And a charging module 20 which is mounted in a personal computer 10 or an automatic teller machine 30 or built-in type to charge a cash recharging card 2 with a required amount, and the charging module 20 includes the personal. The amount of charge requested by the user of the cash receivable card 2 and the financial settlement institution 3 through an online connection with the financial settlement institution 3 under the control of the computer 10 or the cash dispenser 30. Cash charging card charging system, characterized in that for filling a predetermined amount in the cash charging card (2) within this allowable range. The method of claim 1, wherein the cash charge card (2) has a charge card for billing for payment of various charges, including transportation charges, and a charge card for billing for goods payment for various goods Cash card charging system. The system of claim 1 or 2, wherein the cash charging card (2) is also charged by a charging device of an existing charging station. Accessing the internet to the financial settlement institution (3) using a personal computer (10) or an automatic teller machine (30) built in or externally with a charging module (20) for charging cash in the cash card (2); ; Confirming the identity of the user of the ATM card by the financial settlement institution (3) and requesting a charging of a predetermined amount; Allowing the financial settlement institution (3) to charge the requested amount within a range that can be withdrawn from the user's payment account and transmit the charging command to the personal computer (10) or the ATM (30); Recharging a charge amount allowed by the recharging module 20 to the cash recharging card 2 according to the recharging command received; And withdrawing the amount corresponding to the recharge amount from the user payment account.