KR20050009604A - Card terminal which has advanced/deferred payment function, method for settling advanced/deferred payment - Google Patents

Abstract

PURPOSE: A card terminal equipped with a pre/post-payment function using an SAM(Secure Application Module) and a method for pre/post-payment of the same are provided to add a new settlement function without modifying a current card offering a specified settlement service and implement an encryption/verification function for the added settlement service at a low expense. CONSTITUTION: A card interface(120) transmits/receives data between cards. A pre/post-payment common SAM(113) offers a secure key commonly used for prepayment and post-payment. A settlement processor(110) performs pre or post-payment operation by using the pre/post-payment common SAM depending on a settlement mode selected from a subscriber. A transaction particulars storing part(115) stores settlement particulars.

Description

Card terminal with pre / post payment function, pre / post payment method of card terminal {CARD TERMINAL WHICH HAS ADVANCED / DEFERRED PAYMENT FUNCTION, METHOD FOR SETTLING ADVANCED / DEFERRED PAYMENT}

The present invention relates to a card terminal, and more particularly to a card terminal having a pre / post payment function and a pre / post payment method of the card terminal.

The most important consideration should be given to additional support for postpaid payments by companies providing prepaid transportation fare payment services, so that existing prepaid contactless cards issued and used by the company can be used without modification and without modification. It should be.

Next, in manufacturing a contactless card terminal that supports prepaid and postpaid payment at the same time, the manufacturing cost should be reduced as much as possible.

On the other hand, as is well known, the contactless card and the contactless card terminal are provided with an encryption / verification function for performing encryption on the transmitting side and verifying the receiving side on the data transmitted / received wirelessly.

The technology itself for implementing such an encryption / verification function in a contactless card terminal may be known in the art. However, because it is related to security, each financial institution or contactless card issuer has a unique authentication system and does not share a secure application module (SAM).

As a result, companies that provide prepaid transportation fare payment services do not need to pay royalties to provide postpaid payment services, but they do not modify the prepaid contactless cards issued and used by users. Technical implementation issues require the addition of a postpaid transportation fare payment function, as well as the continued purchase of security application modules (SAMs) previously made available for postpay payment by other companies (financial institutions, card issuers, etc.) to contactless card terminals. I was faced with a problem to install.

In other words, the encryption / verification function is necessary for the protection of authentication and data transmitted / received. Therefore, there is no need to distinguish between prepaid and postpaid payments, and it can be fully implemented by its own technology. Buying a module is an unreasonable problem that incurs unnecessary costs.

Meanwhile, Korean Laid-Open Patent Publication No. 2002-0016752 discloses a configuration of a contactless (RF) card terminal that simultaneously supports prepaid and postpaid payment.

According to the above publication, the contactless card terminal can support both prepaid and postpaid payment at the same time, but it is conceived to implement a contactless card and a contactless card terminal that can use a plurality of security modules of each contactless card issuer in common. As illustrated in FIGS. 1 and 2 of the publication, a plurality of security application modules (SAM) are required for each contactless card issuer. In particular, in order to add a new payment function to a contactless card terminal, a corresponding new security application module ( SAM) should be added to the contactless card terminal, and in some cases, the vendor providing the contactless card terminal should purchase a third party security application module (SAM).

Similarly, according to the above publication, a contactless card also requires a number of security modules manufactured by each card issuer. In particular, a new security application module (SAM) is added to the contactless card to add a new payment function to the contactless card. Since the existing card cannot be used as it is for additional functions, the contactless card is inevitably modified.

A configuration in which a plurality of security application modules (SAMs) are provided for each card generation company (eg, a prepaid card issuer and a postpaid card issuer) as described in the above publication, and a contactless method for data transmission / reception and postpay payment between contactless cards for prepaid payment. In view of the configuration of the present invention in which a common (single) security application module (SAM) is provided for data transmission / reception between cards, the features of the present invention may be mistaken as follows.

That is, the encryption / verification function is necessary for the protection of data transmitted and received, so that there is no need to distinguish between prepaid payment and postpaid payment. Also, the configuration of the security application module (SAM) itself is known in the art. Therefore, those skilled in the art may be mistaken that the present invention can be easily derived from the above publication.

However, in view of the above-described publication and the present invention to be described later, as described above, the specific and sub-conceptual concept to further support the post-paid payment by the company that provides a prepaid transportation fare payment service to the publication; There is no specific implementation plan to further support postpay payment without modification of the existing prepaid contactless card issued by the company, and new security application module (SAM) is required for additional functions in the manufacture of contactless card terminals. No specific implementation is disclosed to reduce manufacturing costs as much as possible.

The present invention has been made in such a situation, it is an object of the present invention to propose an implementation method that can add a new payment function without modifying the existing card that provides a specific payment service.

Furthermore, the present invention further provides a method for implementing an encryption / verification function for the additional payment service at a low cost in implementing a new payment service on an existing card terminal providing a specific payment service. There is a purpose.

Furthermore, the present invention, when adding a post-paid payment service in a company that provides a prepaid transportation fare payment service, without modifying a contactless card for payment of prepaid bus fare previously issued and used. Another object is to propose an implementation method for adding a new payment function.

Furthermore, the present invention, in the implementation of the postpaid payment service to the existing contactless card terminal that provides the prepaid transportation fare payment service, it is possible to implement the encryption / verification function for the additional postpaid payment service at a low cost. Another aim is to present a solution.

Furthermore, the present invention allows a user to freely select an existing payment service or a newly added new payment according to a payment service option (designated by him / herself) even when the user rides with an existing card that provides a specific payment service. There is another purpose to this.

Furthermore, the present invention, even if a user rides with an existing card that provides a prepaid transportation fare payment service, according to the payment service option (designated by the user) according to the existing prepaid payment service or newly added postpaid payment Another goal is to be free to choose.

Furthermore, another object of the present invention is to propose a method of implementing a card terminal that supports automatic payment of post payment when a user's card cannot be prepaid.

Furthermore, another object of the present invention is to propose a method of implementing a card terminal supporting a prepaid payment automatically when a predetermined user's card cannot be deferred.

1 is a block diagram of a card terminal according to an embodiment of the present invention.

2 is a flow chart showing the operation of the card terminal according to an embodiment of the present invention.

Figure 3 is an example showing the storage history of the prepaid electronic money card.

In order to achieve the above object, the present invention is characterized by encrypting and verifying data transmitted / received using the same prepaid / postpaid common security application module (SAM) in performing prepaid and postpaid payment.

As a result, a single secure application module (SAM) is commonly used for prepaid and postpaid payments, allowing new payment features to be added to existing cards without modifying existing cards that provide specific payment services. Furthermore, in addition to implementing a new payment service to an existing card terminal that provides a specific payment service (eg, prepaid traffic fare payment service, postpaid traffic fare payment service), the additional payment service (eg It is possible to implement a secure application module (SAM) at low cost.

Furthermore, according to a preferred embodiment of the present invention, the card is a conventional prepaid public transportation ride payment card.

Accordingly, it is possible to additionally support the postpaid ride fare payment service without modifying the existing contactless card for the prepaid bus ride fare payment service.

Furthermore, according to an additional aspect of the present invention, the card terminal further comprises a subscriber information storage unit for storing payment mode information designated by each subscriber, the payment processing unit, prepaid payment operation or postpay payment according to the payment mode information. Selecting an operation;

Accordingly, the user is free to choose a payment mode, and even when using an existing card that provides a specific payment service, the user can freely select an existing payment service or a new payment added according to a payment service option (designated by him / her). You can choose.

Furthermore, according to an auxiliary aspect of the present invention, the postpay payment operation includes a payment processing operation of subtracting a "0" from the electronic money value storage area of the card.

Accordingly, since the existing payment processing procedure of the prepaid payment card is followed as it is, a concrete implementation method capable of adding a postpaid payment function to the card without modifying the card can be proposed. In particular, existing prepaid transit fare payment cards are widely used nationwide, and users can receive additional postpaid payment services while using existing cards, and service operators can significantly reduce the cost of creating new cards. There is a number.

Furthermore, according to an additional aspect of the present invention, the card terminal further comprises a subscriber information storage unit for storing the information of the subscriber additionally subscribed to the postpaid payment service among the existing prepaid transportation fare payment service subscribers; The payment processing unit selects a prepaid payment operation or a postpaid payment operation according to the subscriber information.

Accordingly, a user having an existing prepaid transportation fare payment card can additionally sign up for a postpaid payment service, and even if the user carries the prepaid transportation fare payment card, Depending on your payment service options, you can choose between an existing prepayment service or a new postpay payment.

Furthermore, according to the auxiliary aspect of the present invention, the transaction history storage unit of the card terminal, the prepaid payment history storage unit provided in the non-contact card terminal supporting the existing prepaid traffic fare payment service;

Accordingly, it is possible to support the postpaid payment service added without modifying the transaction history management DB for the existing prepaid transportation fare payment service.

Furthermore, according to an auxiliary aspect of the present invention, the prepaid payment history storage unit of the card terminal is a prepaid payment history storage unit provided in a non-contact card terminal that supports the existing prepaid traffic fare payment service, Newly added; characterized by.

Accordingly, an example of a concrete implementation method for adding a postpaid payment service to an existing contactless card terminal for a prepaid transportation fare payment service may be presented. The existing contactless card terminal requires a new configuration for storing postpaid payment details, and for this purpose, a new postpaid payment details field is newly added to the prepaid payment details storage unit. Of course, in some cases, the postpaid payment history may be managed in an existing database system without separately providing a postpaid payment history field.

Furthermore, according to an additional aspect of the present invention, the payment processing unit of the card terminal, if it is impossible to perform the prepaid payment operation;

Accordingly, if a contactless card of a given user cannot be prepaid, for example, if the balance of the card is less than the payment amount, the contactless card terminal automatically switches to the postpaid payment so that the payment can be made with postpay even if the card balance is insufficient. There is a number.

Furthermore, according to an additional aspect of the present invention, if the payment processing unit of the card terminal, it is impossible to perform the postpay payment operation, performing the prepaid payment operation;

Accordingly, when the contactless card of a given user cannot postpaid payment, for example, even when the user of the contactless card does not pay the postpaid payment in a timely manner, such a content is stored in the user information storage unit. You can support prepayment by switching to prepayment.

The foregoing and further aspects of the present invention will become more apparent through the following embodiments. Hereinafter, the present invention will be described in detail with reference to the preferred embodiments described with reference to the accompanying drawings so that those skilled in the art can easily understand and reproduce.

1 is a block diagram of a card terminal according to an embodiment of the present invention.

As shown in FIG. 1, a card terminal having a prepaid payment function and a postpaid payment function according to a preferred embodiment of the present invention, the card interface unit 120 that is responsible for data transmission and reception between the cards (not shown) And, pre / post payment common security application module (SAM) 113 for providing a security key commonly used for prepaid payment and postpaid payment; And, the pre / postpaid common security application module (SAM) 113 By using, the payment processing unit 110 for performing the prepayment and postpay payment operation; and transaction history storage unit 115 for storing the payment history; characterized in that it comprises a.

In FIG. 1, a card terminal having a prepaid payment function and a postpaid payment function is assumed to be a contactless card terminal.

The card interface unit 120 may be implemented by the antenna unit 101 and the wireless modulation / demodulation unit 103.

The antenna unit 101 provided in the card interface unit 120 generates a radio wave signal for activating a contactless card (not shown), and wirelessly transmits / receives data between the contactless cards. The radio demodulator / demodulator 103 demodulates the radio received data and modulates the radio transmitted data. Since the antenna unit 101 and the radio modulation / demodulation unit 103 correspond to a technique known before the filing date of the present invention, a detailed description thereof will be omitted.

According to a characteristic configuration of the present invention, the pre / postpay common security application module (SAM) 113 provides a security key commonly used for prepaid and postpaid payment. Since the technology itself for implementing a security application module (SAM) in the encryption / verification art is known before the filing date of the present invention, the detailed description thereof is omitted. According to the present invention, a single pre / postpaid common security application module (SAM) 113 is characterized in that it operates in common without distinction between prepaid and postpaid payment. Specific description of the specificity of 113) is as described above.

According to a preferred embodiment of the present invention, the payment processing unit 110 communicates with a contactless card using a predetermined protocol, and uses a prepaid / postpaid common security application module (SAM) 113 to perform a prepaid payment operation. Perform a postpay payment operation.

Figure 3 is an example showing the storage history of the prepaid electronic money card.

Hereinafter, a payment operation of the payment processing unit 110 will be described with reference to FIG. 3.

According to a preferred embodiment of the present invention, the payment operation of the payment processing unit 110 is largely a read operation of the card information (Read), (prepaid / postpaid) payment amount calculation, (prepaid / postpaid) payment processing operation, (line / Postpay) It can consist of transaction history writing and saving operation.

The payment processing unit 110 reads the information of the card when the contactless card is recognized. At this time, the information of the leading card may be information identifying the card (eg, chip serial number, card number, user information, issuer information, etc.). In the card information read operation, the payment processing unit 110 may or may not use the pre / postpay common security application module (SAM) 113. Whether to use the security module depends on how each payment service system is implemented.

Hereinafter, assuming an example of the prepaid payment amount calculation operation in the case of the bus fare payment service, the payment processing unit 110 is a driver according to the user's boarding mileage or the number of passengers, the user operation unit (105 of FIG. 1) Can be calculated based on the fare key data inputted. In addition, it is also possible to calculate the prepaid payment amount of the discounted amount on the basis of receiving the last subway stop station information and the disembarkation time information from the contactless card.

In the case of the subway fare payment service, the prepaid payment amount may be calculated based on the last boarding station information and the boarding station entry time information received from the contactless card.

Assuming an example of a postpaid payment amount calculation operation in the case of a bus ride fare payment service, the payment processor 110 may allow a driver to operate a user according to a user's boarding distance or boarding capacity (see 105 in FIG. 1). It is possible to calculate the postpaid payment amount based on the fare key data input by operating. In addition, it is also possible to calculate the post-paid payment amount of the discounted amount based on the previous subway stop station information and the disembarkation time information received from the non-contact card.

In the case of the subway fare payment service, the postpaid payment amount may be calculated based on the last boarding station information and the boarding station entry time information received from the contactless card.

Hereinafter, the (prepaid / postpaid) payment processing operation will be described with reference to FIG. 3.

In the storage history of the prepaid electronic money card, the electronic money balance field 310 is the most secure area, and is accessible only by the strictest security key of the security application module (SAM). In the prepaid payment processing operation, the payment processing unit 110 uses the pre / postpaid common security application module (SAM) 113 to secure the protocol by subtracting the calculated prepaid payment amount from the card balance 310. Keep the castle.

On the other hand, in the postpaid electronic money card, instead of the electronic money balance field 310, the "total transaction value field (not shown)" is placed in the same position. In the postpay payment processing operation, the payment processing unit 110 maintains security by performing a protocol that adds a payment amount to this field using the pre / postpay common security application module (SAM) 113.

Hereinafter, the (prepaid / postpaid) transaction history creation and storage operation of the payment processing unit 110 will be described. When the transaction amount according to the prepaid payment is calculated and the prepaid payment processing is completed, the payment processing unit 110 stores the transaction history of the corresponding prepaid payment in the transaction history storage unit (see 115 of FIG. 1). Similarly, when the transaction amount according to the postpaid payment is calculated and the postpaid payment processing is completed, the payment processing unit 110 stores the transaction history of the corresponding postpaid payment in the transaction history storage unit (see 115 of FIG. 1).

Prior to the filing date of the present invention, the prepaid card terminal and the postpaid card terminal each have a transaction history storage unit, and the technology of the card terminal supporting the prepaid / postpaid payment at the same time is already disclosed. Accordingly, it will be apparent to those skilled in the art that the transaction details storage unit 115 for storing the prepaid transaction details and the postpaid transaction details is implemented.

According to the above-described embodiment, since a single encryption / verification unit is commonly used for prepaid and postpaid payment, a new payment function for this existing contactless card without modifying a (contactless) card that provides a specific payment service. In addition to implementing a new payment service to the existing card terminal that provides a specific payment service (eg, prepaid transportation fare payment service, postpaid transportation fare payment service), the added payment service (E.g. postpay, prepaid payment) encryption / verification can be implemented at low cost.

Referring back to FIG. 1, the payment processing unit 110 may compare the calculated prepaid payment amount with the balance of the card to determine whether the payment is approved, and display the result of the prepaid payment processing on the display unit 107. In addition, when the non-contact card is recognized, the payment processing unit 110 examines the card information received from the non-contact card to determine whether the non-contact payment of the non-contact card of the predetermined user is impossible (e.g., the user of the non-contact card pays the postpaid payment amount in time). It is possible to determine whether or not such information is stored in the user information storage unit 117 due to no payment, and the result of the postpaid payment process may be displayed on the display unit 107.

According to a characteristic configuration of the present invention, the subscriber information storage unit 117 stores information of the prepaid / postpaid payment mode specified by the subscriber, and the payment processing unit 110 performs a prepaid payment operation or a postpaid payment operation according to the payment mode information. Select. Subscribers to services that support prepaid and postpaid at the same time can choose their preferred payment mode. The subscriber may inform the service provider of such mode selection through a communication network such as wired / wireless internet or ARS, and the service mode information is stored in the subscriber information storage unit 117 through the communication unit 109.

In addition, according to the above aspect of the present invention, even if the user uses an existing card that provides a specific payment service, according to the payment service option (designated by him or her), the existing payment service or a new payment is newly added. You can freely choose.

According to a characteristic aspect of the present invention, the subscriber information storage unit 117 stores the information of the subscriber additionally subscribed to the postpaid payment service among the existing prepaid transportation fare payment service subscribers. The payment processor 110 selects a prepaid payment operation or a postpaid payment operation according to the payment mode information.

Accordingly, a user having an existing prepaid transportation fare payment card can additionally sign up for a postpaid payment service, and even if the user carries the prepaid transportation fare payment card, Depending on your payment service options, you can choose between an existing prepayment service or a new postpay payment.

According to a preferred embodiment of the present invention, the contactless card (not shown in FIG. 1) is a bus fare payment card.

According to this aspect of the present invention, it is possible to additionally support the postpaid ride fare payment service without modification of the existing contactless card for the prepaid bus ride fare payment service.

According to an auxiliary aspect of the present invention, the postpay payment operation of the payment processing unit 110 includes a payment processing operation of subtracting a "0" from the electronic money value storage area of the card.

Hereinafter, a description will be given with reference to FIG. 3.

In the above aspect, it is assumed that the contactless card is a conventional prepaid traffic fare payment card. Since the contactless card is prepaid, the electronic money balance field 310 is provided and follows the payment processing protocol of the prepaid card. For compatibility of the postpaid payment process between these prepaid contactless cards, the payment processing unit 110 follows the payment processing protocol of the prepaid card. That is, the payment processing unit 110 performs a payment processing operation by subtracting "0" from the electronic money balance field 310. The actual post-paid transaction details are stored in the transaction history storage 115.

Therefore, since the existing payment processing procedure of the prepaid payment card is intact, a specific implementation method for adding a postpaid payment function to the card without modifying the card can be proposed. In particular, existing prepaid transit fare payment cards are widely used nationwide, and users can receive additional postpaid payment services while using existing cards, and service operators can significantly reduce the cost of creating new cards. There is a number.

According to an auxiliary aspect of the present invention, the transaction history storage unit 115 is a prepaid payment history storage unit provided in a non-contact card terminal that supports the existing prepaid traffic fare payment service.

In addition, according to an auxiliary aspect of the present invention, the transaction history storage unit 115 is a prepaid payment history storage unit provided in a non-contact card terminal that supports a conventional prepaid traffic fare payment service, the information stored in this way New postpay billing history field is added to;

First, an embodiment in which a postpaid payment details field is not newly added will be described. For example, in the case of the existing prepaid payment history database consisting of a transaction count, a balance and a transaction amount field, when a transaction occurs, the transaction count is increased, and the transaction amount of the generated transaction is stored, and thus the deducted balance is stored. However, when the postpaid payment is made, the transaction count is increased and the transaction amount according to the postpaid payment is stored, but the balance corresponding to the new count (by the postpaid payment) and the balance of the previous count remain unchanged. In this regard, even in the existing prepaid payment history database, transaction history management can be performed without a separate additional field for displaying postpaid payment.

Accordingly, it is possible to support the postpaid payment service added without modifying the transaction history management DB for the existing prepaid transportation fare payment service.

Next, an embodiment in which the postpaid payment details field is newly added will be described. For example, if a field for prepaid / postpaid payment is added to an existing prepaid payment history database including a transaction count, balance, and transaction amount fields, for example, in the case of prepaid payment, the field value is set to "1". In this case, the transaction value can be managed by setting the field value to "0".

Accordingly, an example of a concrete implementation method for adding a postpaid payment service to an existing contactless card terminal for a prepaid transportation fare payment service may be presented. The existing contactless card terminal requires a new configuration for storing postpaid payment details, and for this purpose, a new postpaid payment details field is newly added to the prepaid payment details storage unit. Of course, in some cases, the postpaid payment history may be managed in an existing database system without separately providing a postpaid payment history field.

According to a further aspect of the present invention, the payment processing unit 110, if it is impossible to perform a prepaid payment operation, performs a post-payment payment operation;

As described above, the payment processing unit 110 compares the calculated prepaid payment amount with the balance of the card to determine whether to approve the payment. When the balance of the card is less than the prepaid payment amount, the payment processing unit 110 automatically switches to the postpaid payment operation described above. do.

Accordingly, if a contactless card of a given user cannot be prepaid, for example, if the balance of the card is less than the payment amount, the contactless card terminal automatically switches to the postpaid payment so that the payment can be made with postpay even if the card balance is insufficient. There is a number.

According to a further aspect of the present invention, the payment processing unit 110, if it is impossible to perform the postpay payment operation, performing a prepaid payment operation;

As described above, the payment processing unit 110, for example, even if the user of the contactless card does not pay the postpaid payment amount on time, even if the contents are stored in the user information storage unit 117, the card terminal automatically You can support prepayment by switching to prepayment.

The communication unit 109 may communicate with an external server (not shown) through a wired / wireless communication line. As described above, the communication unit 109 receives mode selection information of subscribers subscribed to a service that simultaneously supports prepaid and postpaid. . In addition, the communication unit 109 receives the information of the subscriber who can not postpay payment and the information of the subscriber who can pay postpaid. The subscriber mode selection information and the subscriber information related to the postpay payment is stored in the subscriber information storage unit 117 by the update unit 111.

In addition, the communication unit 109 transmits the information stored in the transaction history storage unit 115 to the external server.

The B / L (black list) information storage unit 119 according to an embodiment of the present invention is a B / L mask composed of bit values corresponding to subscriber information (information stored in the subscriber information storage unit 117). ) Indicates a credit failure or lost card. At this time, the subscriber information and the B / L mask each have a version, and the B / L mask indicates the credit status of the subscriber information with the same version.

2 is a flowchart illustrating the operation of a card terminal according to an exemplary embodiment of the present invention.

Hereinafter, a description will be given with reference to FIG. 1. In the description of FIG. 2, descriptions of parts that are unnecessary and overlap with FIG. 1 will be omitted.

In addition, in the embodiment of FIG. 2, it will be assumed that the non-contact terminal supporting the existing prepaid transportation fare payment service additionally supports the new postpaid payment service.

As shown in FIG. 2, the prepaid / postpaid payment method of the card terminal according to the preferred embodiment of the present invention includes: reading card information 210; Selecting a prepaid payment operation or a postpaid payment operation according to the payment mode information designated by the subscriber (203); Performing the selected prepaid or postpaid payment operation using a pre / postpaid common security application module (SAM) that provides a security key commonly used for prepaid and postpaid payment (205 to 209 or 211 to 215). It characterized by comprising;

If the non-contact card is recognized, the payment processing unit 110 reads the card information (201). In addition, the payment processing unit 110 examines the information stored in the subscriber information storage unit 117 to determine whether the card information (eg, a serial number) corresponds to an additional subscription to the postpaid payment service according to the embodiment of the present invention. (203). In the case of a non-contact card that is not additionally subscribed to the postpaid payment service of the present invention, the payment processing unit 110 performs the prepaid payment processing operations 205, 207, and 209 as before. One embodiment of the prepaid payment processing operation has already been described above. A feature of the prepaid payment processing operation is to use the pre / postpaid common security application module 113.

In the case of a non-contact card additionally subscribed to the postpaid payment service of the present invention, the payment processing unit 110 performs postpaid payment processing operations 211, 213, and 215. One embodiment of the postpay payment processing operation has been described above. A feature of the postpaid payment processing operation is to use the pre / postpaid common security application module 113. Also, for compatibility of postpaid payment processing between existing prepaid contactless cards, the payment processing unit 110 pays the prepaid card. It is in following the processing protocol. That is, the payment processing unit 110 is characterized in that the payment processing operation is performed by subtracting "0" from the electronic money balance field 310.

That is, if the method is described collectively, reading card information; Checking whether the subscriber subscribed to the existing prepaid payment service additionally subscribes to the postpaid payment service; If the subscriber does not further subscribe to the postpaid payment service, performing an existing prepaid payment operation; If the subscriber additionally subscribes to the postpaid payment service, the postpay payment operation is performed,

Calculating a postpaid payment amount by the postpaid payment operation; Performing a payment processing operation of subtracting “0” from the electronic money value storage area of the card using a pre / postpay common security application module (SAM) that provides a security key commonly used for the prepayment; ; It consists of creating a postpay transaction history and storing it.

As described above, according to an embodiment of the present invention, since a single security application module (SAM) is commonly used for prepaid payment and postpaid payment, it is possible without modifying an existing card that provides a specific payment service. New payment features can be added to existing cards, and new payment services can be added to existing card terminals that provide specific payment services (e.g., prepaid transit fare payment service, postpaid transit fare payment service). In this regard, the secure application module (SAM) for the additional payment service (eg, postpaid payment, prepaid payment) may be implemented at low cost.

In addition, it is possible to additionally support the postpaid bus fare payment service without modifying the existing contactless card for the prepaid bus fare payment service.

In addition, for example, it is possible to additionally support the prepaid ride fare payment service without modifying the existing contactless card for the postpaid subway fare payment service.

In addition, the user is free to choose a payment mode, and even when using an existing card that provides a specific payment service, the user can freely select an existing payment service or a new payment that is newly added according to a payment service option (designated by him / her). Can be.

In addition, since the existing payment processing procedure of the prepaid payment card is intact, a specific implementation method for adding a postpaid payment function to the card without modifying the card can be proposed. In particular, existing prepaid transit fare payment cards are widely used nationwide, and users can receive additional postpaid payment services while using existing cards, and service operators can significantly reduce the cost of creating new cards. There is a number.

In addition, a user who has an existing prepaid transportation fare payment card can additionally sign up for a postpaid payment service, and even if the user carries with such a prepaid transportation fare payment card, the user can designate it. Depending on the payment service option, the user may freely select an existing prepaid payment service or a newly added postpaid payment.

In addition, it is possible to support the postpaid payment service added without modifying the transaction history management DB for the existing prepaid transportation fare payment service.

In addition, an example of a concrete implementation method for adding a postpaid payment service to an existing contactless card terminal for a prepaid transportation fare payment service may be presented. The existing contactless card terminal requires a new configuration for storing postpaid payment details, and for this purpose, a new postpaid payment details field is newly added to the prepaid payment details storage unit. Of course, in some cases, the postpaid payment history may be managed in an existing database system without separately providing a postpaid payment history field.

In addition, if a contactless card of a given user cannot be prepaid, for example, when the balance of the card is less than the payment amount, the contactless card terminal automatically switches to the postpaid payment, so that even if the card balance is insufficient, the payment can be made with postpay. have.

In addition, when the contactless card of a given user cannot postpaid payment, for example, even if the user of the contactless card does not pay the postpaid payment in a timely manner, such a content is stored in the user information storage unit. You can support prepayment by switching to prepayment.

Although the present invention has been described with reference to the accompanying drawings, it should not be construed as being limited thereto, but should be construed to cover many modifications that are obvious from this.

Claims (15)

In the card terminal having a prepaid payment function and a postpaid payment function, A card interface unit responsible for data transmission / reception between cards; A prepaid / postpaid common security application module (SAM) for providing a security key commonly used for prepaid and postpaid payments; A payment processor configured to perform a prepaid payment operation and a postpaid payment operation using the pre / postpay common security application module (SAM); Transaction history storage unit for storing the payment history; Card terminal, characterized in that configured to include. The method according to claim 1, The card is Contactless card; Card terminal, characterized in that. The method according to claim 1, A subscriber information storage unit for storing payment mode information designated by the subscriber; More, The payment processing unit, Selecting a prepaid payment operation or a postpaid payment operation according to the payment mode information; Card terminal, characterized in that. The method according to claim 1, The postpay billing behavior, A payment processing operation for subtracting a "0" circle from the electronic money value storage area of the card; Card terminal, characterized in that. The method according to claim 1, A subscriber information storage unit for storing information of subscribers additionally subscribed to the postpaid payment service among the existing prepaid transportation fare payment service subscribers; More, The payment processing unit, Selecting a prepaid payment operation or a postpaid payment operation according to the subscriber information; Card terminal, characterized in that. The method according to claim 1, The transaction history storage unit, A prepaid payment history storage unit provided in a contactless card terminal that supports a conventional prepaid transportation fare payment service; Card terminal, characterized in that. The method according to claim 1, The prepaid payment history storage unit, A prepaid payment history storage unit provided in a contactless card terminal supporting an existing prepaid traffic fare payment service, and a new postpaid payment history field is added; Card terminal, characterized in that. The method according to claim 1, The payment processing unit, If it's impossible to perform a prepayment action, To perform postpay billing operations; Card terminal, characterized in that. The method according to claim 1, The payment processing unit, If it's impossible to perform a postpay payment action, To perform a prepaid payment operation; Card terminal, characterized in that. In the pre / post payment method of a card terminal, Reading card information; Checking whether the subscriber subscribed to the existing prepaid payment service additionally subscribes to the postpaid payment service; If the subscriber has not yet subscribed to postpay billing service, Performing an existing prepaid payment operation; If the subscriber additionally subscribes to postpay billing service, Perform postpay payments, The postpay billing behavior, Calculating a postpaid payment amount; Performing a payment processing operation of subtracting “0” from the electronic money value storage area of the card using a pre / postpay common security application module (SAM) that provides a security key commonly used for the prepayment; ; Creating a postpay transaction history and storing it; Pre / post payment method of the card terminal, characterized in that comprises a. The method according to claim 10, The card is Contactless card; Pre / post payment method of the card terminal, characterized in that. The method according to claim 10, The postpay transaction history storage operation step, Storing a postpaid transaction history in a prepaid payment history storage unit provided in a contactless card terminal supporting an existing prepaid traffic fare payment service; Pre / post payment method of the card terminal, characterized in that. The method according to claim 10, The postpay transaction history storage operation step, Storing postpaid transaction details in a postpaid payment history field newly added to a prepaid payment history storage unit provided in a contactless card terminal supporting an existing prepaid transportation fare payment service; Pre / post payment method of the card terminal, characterized in that. The method according to claim 10, If it is impossible to perform the prepayment operation, Performing the postpay payment operation; Pre / post payment method of the card terminal, characterized in that further comprises a. The method according to claim 10, If it is impossible to perform the postpay payment operation, Performing the prepaid payment operation; Pre / post payment method of the card terminal, characterized in that further comprises a.