KR20040076191A - Payment system and method of the membership system prepayment type using infrared mobile phone - Google Patents

Abstract

PURPOSE: A system for paying the price in a prepaid method on membership basis by using an infrared portable terminal is provided to download money through mobile communication by using a portable terminal having a mobile communication function and a local infrared communication function, and to pay the price in prepaid method through local infrared communication, thereby supplying a low-priced high-efficiency service. CONSTITUTION: A portable terminal(10) stores member information including member IDs and real money information, transmits the stored information by using local infrared communication when paying the price, and updates/stores information on real money left after paying the price. An infrared communication terminal(20) receives the member information, and transmits the real money left by subtracting the corresponding price from the current balance to the portable terminal(10). A data center(30) collects/settles accounts of paid details. A main server(40) manages the paid details.

Description

Payment system and method of the membership system prepayment type using infrared mobile phone}

The present invention relates to a prepaid payment system, and more particularly, to download money to a mobile communication using a mobile terminal having a mobile communication function and a near-infrared communication function (download) and prepaid using near-infrared communication. System for paying for goods or services.

Conventionally, there are two types of electronic payment methods that pay for prepaid goods or services: 'electronic money' and 'ID card'.

The electronic money method is inconvenient for service users to carry cash by storing electronic cash (electronic money) in IC (Integrated Circuit) chips and recognizing it on the card reader to pay for goods or services. Even though the solution is solved, the user cannot be authenticated when using the service. When the balance is charged, the service user needs to go directly to the charging station to recharge the device.

The ID card method stores the value of money in the service provider's main server and checks the user every time it is used, thus preventing damage from loss.However, such as a bus or a bus that requires quick confirmation such as highway tolls or subways. In case of difficult network configuration, the user cannot check in real time, so the card list is updated in the memory of the card reader, which is not available for a certain period of time. In this case, not only the enormous cost is required to improve the system due to the system construction and the increase of users, but also there is a problem that cannot prevent fraud between update period units.

Therefore, in order to solve the above problems, the present invention authenticates a user by inputting a password when using a portable terminal with an infrared communication function as a substitute for a prepaid card, and includes payment information (ID, amount) using a mobile communication function. The purpose of the present invention is to provide a prepaid payment system and a method thereof, including a method of downloading wirelessly, managing B / L, and transmitting payment information using a near-infrared communication function.

1 is a view showing the basic configuration of the system of the present invention and each network connection,

2 is a view showing the internal configuration of a portable terminal and an infrared communication terminal,

3 is a flow chart for issuing a prepaid card by membership registration and member information download;

4 is a view showing a process in which a service user pays for goods or services using the present invention;

5 is a view showing a process of charging a balance using the wireless Internet,

6 is a view showing a process of charging a balance using near-infrared communication;

7 is a diagram illustrating a method for stopping wireless use due to a loss report of a service user;

8 is a view showing a process for refunding the balance due to service termination.

<Description of the symbols for the main parts of the drawings>

10,41: portable terminal 20: infrared communication terminal

30,43: data center 40,44: primary computer

50: financial institutions

In order to achieve the above object, the present invention, in the prepaid payment system, stores the member information including the member ID and balance information, and transmits the information stored at the time of payment by using near-infrared communication and after payment A portable terminal for updating and storing the balance information after deducting the payment, and an infrared communication terminal for receiving the payment member information through infrared communication with the portable terminal and transmitting the balance from the current balance to the portable terminal; And a data center connected to the infrared communication terminal to collect and settle payment details, and a main computer on a service provider side connected to the data center to manage payment details.

The prepaid payment method using a portable terminal to achieve the object of the present invention, in the prepaid payment method using a portable terminal, (1) a member ID when depositing a certain amount of money in addition to the application for membership registration, Generating member information including a deposit amount and a mobile communication number of a portable terminal of a service user; (2) wirelessly downloading the generated member information to the portable terminal to issue a prepaid card; 3) updating the balance in the portable terminal with the balance subtracted from the balance in the portable terminal when paying for the use of the service; and (4) notifying the balance charge when the balance in the portable terminal is insufficient. Allowing the user to charge, and (5) the portable terminal when the suspension requirement occurs. When the use is stopped through the mobile communication network, using stop requirements are released and a step of releasing the suspended use of the portable terminal through a mobile communication network.

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

Figure 1 shows the basic configuration of each system and the respective network. The portable terminal 10 of the service user and the infrared communication terminal 20 perform near-field infrared communication and transmit / receive payment information using the same. Near-infrared communication occurs when a service user pays and the portable terminal 10 does not initiate communication voluntarily. That is, since the financial transaction is generated by the user's will, the service user inputs a password into the portable terminal 10 and presses the 'send' button to perform infrared communication. Such a transmission method requires fast processing such as transportation fee payment and vending machine, or does not require authentication by simply pressing an external button of the portable terminal 10 once in a small use place, and enters a password for authentication in other use places. Certified. In addition, the portable terminal 10 is connected to the data center 30 through a mobile communication network, and includes an SMS, a wireless Internet, etc. as a data communication network, and the infrared communication terminals 20 of each payment destination receive data through a series of networks. It is connected to the center 30, and an example of such a network may be a financial computer network. The data center 30, the service provider's main server 40, and the financial institution 50 are connected by a dedicated line.

To conceptually organize the role of each component, the portable terminal 10 is a 'electronic wallet' means of storing the prepaid payment information and transmitting it in the infrared, the infrared communication terminal 20 is installed in the merchant and portable Receives the payment information transmitted from the terminal 10 and sends it to the existing terminal interworking or directly sent to the data center 30, the data center 30 aggregates the payment information transmitted from each merchant to settle the data It generates and also stores value information of card issuance, money charging, blacklist management and service users using the mobile communication network. The service provider becomes the subject of card issuance and pays each merchant.

2 is an internal configuration of a portable terminal 10 and an infrared communication terminal 20 for implementing the present invention. The portable terminal 10 shown in FIG. 2 includes a mobile communication function and a near-infrared communication function (S201), and for example, an infrared communication function such as a mobile phone or a personal digital assistant including a mobile communication function. This can be said to be added. The portable terminal 10 includes a data transceiver 11A and 11B for performing a data communication function as well as a voice call using a mobile communication function, and an infrared transceiver 13 for performing near-field infrared communication S201. And a mobile station modem (MSM) 12 including a central processing unit (CPU) for controlling the portable terminal 10. The memory also includes an EEPROM (14) and a flash memory (15). The EEPROM (14) is usually a mobile communication number (= telephone) of the portable terminal (10). Number), a serial number, and the like, and the flash memory 15 stores programs and related data necessary for driving the portable terminal 10, and the program and wireless downloads for driving the present invention. Data including ID and amount (balance) information and data generated by infrared communication is also stored in the flash memory 15. On the other hand, the portable terminal 10 is a liquid crystal display (LCD) 16 for showing all the service-related matters implemented by the present invention, and necessary data such as password information, authentication information (resident number, etc.) for user authentication. Key pad 17 is required for direct entry.

As described above, it is also possible to consider a method of storing data necessary for prepaid payment in a removable IC chip instead of storing it in the portable terminal 10. That is, it can be designed and implemented to store the programs and data necessary for the memory of the IC chip having the processor and the memory, and to interface with the portable terminal 10, but this is merely a method of storing and processing information. It is obvious that only the difference of the same is the same as the original purpose of the present invention.

Meanwhile, the infrared communication terminal 20 of FIG. 2 includes an infrared transceiver 21 which is a near infrared communication (S201) port, a central processing unit (CPU) 22 for processing the received data, and a memory 23 for storing data. ), A communication port 24 connected to an external device or a network, and a lamp 25 for displaying the processing progress as a basic configuration. The infrared communication terminal 20 may be directly connected to the data center 30 and may be of a dangler type connected to a prepaid service terminal such as an existing electronic money. In the latter example, the infrared communication terminal 20 of the present invention and the existing prepaid terminal may be interlocked with each other through a serial communication port to a conventional prepaid terminal (including a credit card inquiry machine and a POS terminal).

The payment system of the present invention having the configuration shown in Figs. 1 and 2 can be suitably applied to electronic money systems, traffic fee payment systems, highway or tunnel toll payment systems, and other payment systems.

3 is a flow chart for issuing a prepaid card by membership registration and member information download in the present invention. Here, the issuance of a prepaid card means a state in which the member information including the ID and the amount of money can be immediately purchased or paid for a transportation fee in a state in which the user's portable terminal 10 has been downloaded.

In order to obtain a prepaid card, a service user applies for membership by visiting a service provider's office or by accessing an Internet homepage (step 31). When applying for membership, fill out the prescribed application form and deposit the contract amount on-site in the case of business (step 32), enter the transfer account number in the case of the internet (step 33), and examine the contract amount using the internet (step 34). Direct transfer via (step 35). Commitment amount is to be downloaded wirelessly (download) the amount to the portable terminal 10 when registering. When registering as a member, you can set up a transfer account to replenish your balance in the future. A service provider, a service user, or a financial institution can make a contract to transfer your account.

Member registration (step 36) is that the service provider's member information based on the member application form includes a member ID, a deposit, a member account number and a mobile communication number (= phone number), and the service provider's main server 40 And the deduction in the future when the member (= service user) pays for the goods or services, the balance is also updated on the service provider's main server 40 to save the balance of the member (= service user). Manage. Upon completion of membership registration, the member is notified of the issuance of a prepaid card including the member information through SMS (Short Message Service) (step 37) .When the member confirms the message, the member downloads the prepaid card through user authentication (step 38). Download (step 39) and store in the portable terminal 10 to complete the prepaid card issuance.

As a space for storing the issued prepaid card, the memory of the portable terminal 10, an integrated circuit (IC) chip embedded in the portable terminal 10, or an IC chip interlocked with the portable terminal 10 in a detachable manner. It may be, and it is only a matter of the storage space of the issued card, it is obvious that other storage media does not deviate from the original spirit of the present invention.

4 illustrates a process in which a service user pays an item price or a service price using the present invention. In order to establish a prepaid payment system to which the present invention is applied, a store or other service operator or the like subscribes to a service provider as an affiliate 42 and installs an infrared communication terminal 20 at each affiliate 42. The infrared communication terminal 20 is connected to the data center 43 through a network, which may have a separate independent infrared communication terminal 20, for example, existing services such as a prepaid service terminal or a credit card inquiry machine. There may be a dangler-type infrared communication terminal 20 interoperating with a terminal connected to a network of the terminal. In the latter case, the infrared communication terminal 20 may implement only the infrared communication and implement the service to which the present invention is applied through the network of the service to which the existing terminal is connected to the member information received by the communication.

The portable terminal 41 of the service user has already stored the member information including the ID and the available amount (balance), and the service user transmits the member information to the infrared communication terminal 20 through a simple operation of the portable terminal 41. To send. The above 'simple operation' may include entering a password, and, for example, in the case of small payments such as expressway toll payments, subway fare payments, bus fare payments, and vending machines requiring fast processing, the external button 1 By pressing it once, all 'manipulations' can be completed. That is, since the portable terminal 41 and the infrared communication terminal 20 can bidirectionally communicate, the infrared communication terminal 20 transmits a message to the portable terminal 410 to input a password at the time of payment to the portable terminal 41. The user notifies the user of the password through voice, text, etc. Similarly, the infrared communication terminal 20 for the quick payment or the small amount of money is sent to the portable terminal 41 by sending a 'password input omitted' message to the portable terminal 41. All procedures are completed by pressing the external button of the portable terminal 41 once by omitting the password input procedure, and the member information transmitted from the portable terminal 41 to the infrared communication terminal 20 of the affiliate store 42 is data. Receive user approval in real time from the service provider via the center 43. However, applications requiring rapid processing above. In case of real estate, real-time approval may be delayed and in case of small amount, real-time approval may be omitted because network usage fees may be excessive compared to the price of goods or services. Since it is set according to the number, in order to meet the purpose of eliminating real-time approval, it collects more than a predetermined number or for a predetermined period and stores and manages the data in the main computer 44 of the service provider through the data center 43 in a batch.

The amount of money available for subtracting the price of goods or services from the member information is transmitted from the infrared communication terminal 20 of the affiliated store 42 to the portable terminal 41 of the service user by infrared communication, and the portable terminal 41 receives the same. Update and save. In addition, the infrared communication terminal 20 also transmits the member information including the remaining balance and the balance to the data center 43, and the data center 43 transmits the member information including the usage history transmitted from each affiliate 42. After counting and settlement, the service provider's main computer 44 updates and manages the member information. As a result, the 'usable amount' is stored in the service user's portable terminal 41 and the service provider's main computer 44, and if the service user loses the portable terminal 41 or stops using the service, the 'usable amount' is used. Is the basis for receiving a refund. However, there may be a case where the 'usable amount' stored in each of the portable terminal 41 and the main computer 44 of the service provider is inconsistent. This is because a malicious user cannot exclude the possibility of manipulating the 'usable amount' in the portable terminal 41. Therefore, the 'virtual money' stored in the portable terminal 41 of the service user based on the 'real money' stored in the service provider's main computer 44 at the time of refund. It is assumed that only the service user refers to the balance.

If the available amount of the service user's portable terminal 41 is less than the price of the goods or the service, the difference can be paid in cash. Of course, the amount of cash payment in the usage history stored in the service provider's main computer 44 is Exclude.

In the system to which the present invention is applied, the data center 43 performs a function of classifying and collecting member information including service history transmitted from each affiliate 42 by service provider and transmitting the same to the service provider. do. As described above, the data center 43 also performs a prepaid card issuance, balance charging, and wireless B / L management. Wireless B / L management will be described in detail later.

5 and 6 illustrate a process of charging a balance when the balance of the portable terminal 41 ('available amount' above) is insufficient. FIG. 5 illustrates charging the balance through the wireless Internet. Demonstrate how to charge balance using infrared communication.

1. Recharge your balance using the wireless Internet

First, the balance charging method through the wireless Internet will be described with reference to FIG. 5. In the case of charging the balance, when the service user's balance stored in the service provider's main computer 44 is less than or equal to the 'committed amount', the service provider informs the service user of the balance through SMS and the user confirms it. In the case of automatic connection and charging with the service provider's main computer 44 by the procedure, and the balance is not insufficient, the service user selects the 'balance balance' menu of the portable terminal 41 by the service user's needs. There is a case of charging by connecting to the main computer 44, all of them use the wireless Internet.

First, in the case of the former, the 'committed amount' is operated by the concept of 'deposit' between the service provider and the service user, and is set as the first contract amount and the second contract amount. For example, if the first commitment amounted to 10,000 won and the second commitment amounted to 3,000 won, the service provider notifies you to charge via text message when the balance reaches 10,000 won or less, and continues to use it without charging it. If less than 3,000 won, the service provider stops using the prepaid card of the mobile terminal 41 of the service user. The use stop will be described later. If the amount was more than 10,000 won before use, but less than 3,000 won immediately after using the prepaid card, a 'charge the balance' message is notified and the service is suspended after a certain period (for example: 1 day). However, the contract amount and the fixed period of time may be flexibly determined according to the operation of the service.

Hereinafter, the balance filling process will be described in more detail. First, when the user randomly charges as necessary, the service user selects the 'balance charge' menu from the 'prepaid card' service menu to which the present invention is applied in the portable terminal 41 (step 502) and the data center 43 and the wireless Internet. The connection is made (step 504), and the data center 43 requests the service user to enter authentication parameters (step 505). When authentication is inputted by the service user as an authentication parameter, the data center 43 notifies the service provider of the input authentication parameter and relays the authentication. Therefore, the service user may be identical to the network connection with the service provider through the data center 43. At this time, if a certain number of authentication parameter errors occur, the service provider regards the user as an unauthorized user and wirelessly suspends the portable terminal 41 (step 508). When user authentication is complete, the service user enters a charge amount (step 506). For the amount charged, the service provider requests the financial institution 50 to check and transfer the balance of the account entered by the service user in the member application, and the financial institution 50 requests the balance to be larger than the amount charged (step 509). In this regard, the financial institution 50 transfers the amount to the service provider and notifies it. When the bank transfer is confirmed, the service provider transmits the information of the amount to the data center 43 to notify 'charging', and the data center 43 downloads it wirelessly to the service user's portable terminal 41. Charging via step 510. When the charging is completed, the data center 43 notifies the service provider of the completion of the charging, and updates the balance of the corresponding service user (member) in the main computer 44 of the service provider by adding the charging amount. If the balance of the service user is less than the amount charged, the financial institution 50 notifies the service provider of the 'lack of balance' and the service provider notifies the service user through the data center 43, and the service user presses the OK button. Balance filling is finished.

In addition, as described above, when the balance of the service user is equal to or less than the first contract amount, the service provider notifies the data center 43 including the balance charge message and the portable terminal 41 number of the service user. The data center 43 transmits a 'balance charge' message to the corresponding portable terminal 41, and the service user presses the confirmation (step 503) button set for the received message (step 501) and wirelessly connects with the data center 43. It is automatically connected to the Internet and charged via step 510 in step 504 of FIG. 5 as described above.

If the user does not confirm the charge message, the charge message is transmitted from the data center 43 to the service user's portable terminal 41 at regular intervals for a certain period of time to notify the remaining charge.

2. Balance charging using near-infrared communication

The service user charges the balance by using the near-infrared communication function of the portable terminal 41 when the service user visits the service provider's office and gives the worker an amount to be charged. In more detail, with reference to FIG.

The balance charger 63 installed in the sales office is connected to the network of the service provider's main computer 64, and the near-infrared communication function is imposed so that this infrared communication function is already described in Fig. 2 as a dangler. It is linked to the infrared communication terminal 20 of the form or is built in the infrared communication port. When the service user 61 visits the sales office and gives the employee 62 the amount to be charged and informs the mobile communication number (= phone number) of the portable terminal (S601), the worker 62 charges the charger 63. And enter the mobile communication number (= phone number) (S602). When the charger 63 transmits the charge amount and the mobile communication number (= telephone number) through a network connection with the service provider's main computer 64 (S603), the main computer 64 of the service provider has a mobile communication number (= telephone). Number is stored, and if it is registered as a member, the balance is updated by the charged amount and notified to the charger 63 (S604), and the charger 63 is in a charge standby state. When the service user 61 selects the 'infrared balance charging' menu from the menu of the portable terminal, and when the portable terminal also enters the infrared communication standby state, the service user presses the 'communication start' button to charge the infrared communication port of the portable terminal. If the distance to the communication line in the straight line in the infrared communication port of 63, the amount of charge is charged through the infrared communication (S605). When charging is completed, the portable terminal and the charger 63 display the charging completion message to inform the service user 61 and the worker 62 that the charging is completed.

The present invention can 'suspend' or 'suspend' the prepaid card function stored in the portable terminal using the mobile communication function of the portable terminal. This will be referred to as wireless B / L (black list) management. More specifically, 'suspension' means that when a user loses a portable terminal, the user can illegally use a prepaid card stored in the portable terminal by another due to the user's loss report, and the balance of the service user. If the remaining balance is less than the second set amount, the service provider suspends the use, and all of them are wirelessly controlled using the mobile communication function of the portable terminal.

Once the suspension requirement is satisfied, the suspension will be suspended regardless of the service user or acquirer's intention, and the prepaid card cannot be used. FIG. 7 is a diagram illustrating a wireless stop method by a loss report of a service user.

When the portable terminal 10 of the service user 71 is lost to the loss center of the service provider (S701), the service provider 72 simultaneously receives the lost service and the portable terminal of the service user 71 to the data center 72. (10) Notifies the mobile communication number (= phone number) and requests suspension of use (S702). As soon as the data center 72 receives the stop request, the data center 72 transmits a stop control message to the corresponding mobile communication number (= phone number) (S703), and the portable terminal 10 receives the prepaid card stored at the same time. Control not to use (S704). It also has the same procedure as for disabling suspension for reasons. That is, when the service user 71 requests the service provider 73 to release the suspension (S701), the service provider 73 notifies the data center 72 (S702) and the data center 72 transmits the corresponding portable terminal. Release the suspended state of (10). Here, the process may include a process of authenticating whether the service provider 73 is a legitimate requestor for suspension / release. In addition, the process of suspension of use due to lack of balance and suspension of use due to charge of the balance also has the same process as in FIG.

Due to reasons such as termination of the service, replacement of the portable terminal due to the taste of the service user, or loss of the portable terminal, the service user may request a refund for the unused amount from the service provider. Refunds can be made for real money stored in. Refunds are made after sufficient time has elapsed, as described above, since it takes a certain period of time to settle all the usage details of the application where the real-time service user approval is not made.

8 shows a process for refunding the balance due to service termination. When the service user 81 applies for service termination to the service provider's customer center 82 (S801), the service provider immediately notifies the data center 84 to request suspension of use (S804) and the data center 84 In the same manner as the above suspension of use, the service of the portable terminal of the service user to which the present invention is applied is suspended (S805). Then, the customer center 82 collects the usage history of the service user 81 sent from each affiliated store for a certain period and requests the balance history of the service user 81 stored in the server 83 for the final balance history (S802). When the server 83 notifies the customer center 82 of the final balance (S803), the customer center 82 sends the balance history to the portable terminal of the service user 81 through the data center 84 (S804). Notification via an SMS text message (S805) and refunds the corresponding amount to the service user (S806). In addition, if the new portable terminal can implement the present invention when the portable terminal is replaced, the real money can be downloaded and used to the new portable terminal at the request of the service user.

As described above, the prepaid payment system and the method using the portable terminal of the present invention do not need to carry cash on the service user side, can solve the inconvenience of charging, and can save the unused amount due to theft and theft. Therefore, the damage of service users can be minimized.In addition, since the installation of a charging station is unnecessary from the service provider side, a huge infrastructure cost can be reduced, and a very efficient B / L (Black List) management is possible, thus establishing a separate B / L management system. There is no cost, so it is effective to provide low cost and high efficiency services.

Claims (9)

In the prepaid payment system, A portable terminal for storing the member information including the member ID and balance information, transmitting the stored information when the payment is made by using near-infrared communication, and updating and storing the balance information after deducting the payment; An infrared communication terminal which receives the payment member information through infrared communication with the portable terminal and transmits the balance from the current balance to the portable terminal; A data center connected to the infrared communication terminal to collect and settle payment details; And Prepaid payment system using a portable terminal comprising a main computer of the service provider side connected to the data center to manage the payment history. In the prepaid payment method using a portable terminal, (1) generating a member information including a member ID, a deposit amount, and a mobile communication number of the mobile terminal of the service user when applying for the service and depositing a certain amount of money in the service application; (2) wirelessly downloading the generated member information to the portable terminal to issue a prepaid card; (3) updating the balance in the portable terminal with the balance obtained by subtracting the corresponding payment from the balance in the portable terminal upon payment of the service; (4) informing the user of the balance when the balance is insufficient in the portable terminal to allow the service user to charge the balance; And (5) stopping the use of the portable terminal through the mobile communication network when the suspension requirement occurs, and releasing the suspended use of the portable terminal through the mobile communication network when the suspension requirement is released. Prepayment method used. The method of claim 2, wherein step (1) (1a) a service user applying for a service by filling out a membership application form at a service provider and depositing a certain amount of money; And (1b) For the above service request, the service provider registers membership information by generating member information including the member ID, the amount corresponding to the deposit amount, and the mobile communication number of the mobile terminal of the service user, and storing it in the main computer of the service provider. Prepaid payment method using a portable terminal characterized in that it comprises a step. The method of claim 3, wherein in the step (2), after the member registration, the service provider notifies the member's portable terminal of the prepaid card issuance by text message to the member's portable terminal, and the member confirms the prepaid card through a predetermined procedure. Prepaid payment method using a portable terminal, characterized in that the wireless download to the member's portable terminal. The method of claim 2, wherein step (4) (4a) informing the remaining charge by transmitting a text message when the remaining amount in the portable terminal is insufficient; (4b) the service user confirming this and accessing the data center through the wireless Internet to apply for a balance charge; (4c) notifying a service provider of a service charge application history of the service user in the data center; (4d) the service provider requesting an account transfer to the affiliated financial institution for the amount of money included in the balance filling history; (4e) the affiliated financial institution transferring the charge from the account of the service user to the service provider; (4f) the service provider updating the service user's balance stored in the main computer by the amount of charge and informing the data center to charge the amount of charge; (4g) wirelessly downloading and recharging the charge to the portable terminal of the service user by the data center; And (4h) prepaid payment method using a portable terminal characterized in that it comprises the step of storing the amount downloaded by the portable terminal to complete the charge of the balance. The method of claim 2, wherein step (4) (4a) when the service user's balance stored in the service provider's main computer is less than or equal to the first set amount, the service provider notifying the data center of this; (4b) sending a message at the data center to the service user including a balance charge message and a wireless Internet Uniform Resource Locator (URL) of the data center; (4c) the service user is connected to the data center and the wireless Internet through a procedure for confirming this, so that the service user, the data center, and the service provider are networked in real time; And (4d) a prepaid payment method using a portable terminal, characterized in that it comprises the step of charging the balance through the network connection. The method of claim 2, wherein step (4) (4a) the service user visiting the service provider's office to apply for a balance charge; (4b) notifying a balance charge by connecting a network between a charging terminal installed at a service provider's office and a service provider's main computer; (4c) updating, by the service provider, the charge amount to be added to the current balance of the service user stored in the main computer, and notifying the charging terminal of the completion of charge; And (4d) a short-range infrared communication between the charging terminal and the portable terminal is connected to transfer the charged amount from the charging terminal to the portable terminal and updating the sum of the charges in addition to the balance stored in the portable terminal. Prepayment method used. The method of claim 2, wherein step (5) (5a) If the suspension of the portable terminal, the suspension requirement that the balance is less than the second set amount occurs, the service provider requests the data center with the mobile communication number (telephone number) of the mobile terminal and the suspension ; (5b) the data center stopping the use of the mobile terminal of the corresponding mobile communication number through the mobile communication network; (5c) when the suspension requirement is released, requesting the service provider to cancel the suspension with the mobile communication number (telephone number) of the portable terminal at the data center; And (5d) a data center prepaid payment method using a portable terminal, characterized in that the step of releasing the use of the portable terminal via the mobile communication network. The method of claim 2, further comprising the step (6) of preserving and refunding the balance stored in the main computer of the service provider when the service is terminated at the request of the service user.