KR20080088804A - System for managing point using obu(on board unit) and method for managing point using obu - Google Patents

Abstract

A system and a method for managing points with an OBU(On-Board Unit) are provided to manage the points by using information of a prepaid electronic cash card inserted into the OBU when a vehicle equipped with the OBU enters a predetermined area, and recharge the prepaid electronic cash card inserted into the OBU by using the points. An authentication server(30) authenticates a prepaid electronic cash card. A point manager(20) is installed in a member shop of the prepaid electronic cash card and processes points generated according to a payment amount. An OBU(10) is equipped with the prepaid electronic cash card, pays a toll by communicating with an OBU receiver installed in a tollgate, and communicates with the point manager when a vehicle equipped with the OBU enters the member shop. The OBU receives authentication for the prepaid electronic cash card by communicating with the authentication server when the point manager is passed. The point manager processes the points corresponding to ID information when the ID information of the authenticated prepaid electronic cash card is received from the OBU.

Description

Point management system using OD and its management method {SYSTEM FOR MANAGING POINT USING OBU (On Board Unit) AND METHOD FOR MANAGING POINT USING OBU}

1 is a view schematically showing the overall configuration of a point management system using an OBU according to an embodiment of the present invention,

2 is a view showing an example of information stored in a smart card,

FIG. 3 is a diagram schematically illustrating a communication area when the vehicle equipped with the OBU of FIG. 1 enters a place where a wireless transceiver is installed.

4 is a detailed block diagram illustrating the main parts of a point management system using an OBU according to an embodiment of the present invention;

5 is a diagram illustrating a process of a point management system using an OBU according to an embodiment of the present invention.

6A through 6D are diagrams illustrating examples of a screen displayed on the touch screen of FIG. 5.

* Explanation of symbols for the main parts of the drawings

10: OBU (On Board Unit) 11: Short Range Wireless Communication Module

12 control unit 13 storage unit

14: smart card interface 20: point management device

21: wireless transmission and reception device 22: point management server

23: touch screen 30: authentication / charging server

The present invention relates to a point management system using an OBU and a management method thereof, and more particularly, based on identification information of a prepaid electronic money card installed in an OBU using an OBU. The present invention relates to a point management system using an OBU configured to manage points and recharge electronic money in a prepaid electronic money card using the accumulated points, and a management method thereof.

Conventional toll collection methods for toll roads, such as expressways, require the toll collector to collect the toll manually at the exit toll gate after receiving a prepaid card or pass at the toll gate, or in some sections, the toll collector manually at the road toll gate. Tolls are being collected. This is caused by vehicle congestion due to vehicles stopping at the toll gate for toll collection, and there are various problems such as increase in labor costs due to the arrangement of the toll collector and expenditure due to issuance of prepaid cards or toll tickets.

Therefore, to solve the above problems and to minimize the inconvenience and traffic delays caused by toll collection, and to introduce the intelligent transportation system for the purpose of computerizing toll collection, A toll payment terminal (“OBU”) is installed on the vehicle to install a wireless transmission / reception system and automatically settle the toll by the wireless transmission / reception system and the wireless communication method. HIGHPASS is being implemented to collect tolls.

In the high pass system, a high pass card (smart card, etc.) is detachably inserted into an OBU mounted on a vehicle, and the OBU reads data from the high pass card and inputs data into the high pass card. The high pass card is installed in the card insertion unit of the OBU, and the interface between the high pass card and the OBU is made through a contact method, and the high pass payment is possible only when the high pass card is inserted into the OBU.

As such, when an OBU with a high pass card is inserted into a vehicle, the toll collection is possible automatically while driving, and the number of users is increasing.

On the other hand, in stores that provide goods or services, in order to induce the consumption of customers or attract a large number of customers, the point system provides various benefits according to the accumulated points by accumulating a certain point every time the goods or services are purchased in the store or the like. Is introduced. The points system can be operated in various ways, such as the form that can be earned and used only in a single store, and the number of merchants share points and use with each other.However, when purchasing goods / services, Earning points is the same.

In general, stores that operate a point system issue a card for earning points to the customer, and when the customer purchases goods / services at the corresponding store, the customer presents a point card together with the calculation to earn points.

In addition, the accumulated points can be used for various purposes when requested by the customer, for example, the accumulated points can be used to receive coupons, receive other gifts or convert to other types of affiliate points.

However, the conventional point management system is inconvenient to present the card for the point every time the point management is required by the customer holding a card for a point to specify the target to receive the point benefits.

In particular, for drivers of cars equipped with OBUs, it is important to carry and present a separate card for points in addition to the smart card inserted in the OBU to manage the points that are processed or purchased after restoring goods / services at service stations and gas stations such as highways. It is inconvenient.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned conventional problems, and an object thereof is to provide point management by using information of a prepaid electronic money card installed or inserted in an OBU when a vehicle equipped with an OBU enters a specific area. The present invention also provides a point management system using the OBU configured to charge a prepaid electronic money card installed in the OBU using the corresponding points, and a management method thereof.

Point management system using the OBU according to the present invention to achieve the above object and the authentication server for performing the authentication process of the prepaid electronic money card; A point management device that is provided at an affiliated store of the prepaid electronic money card and performs processing for points generated according to a payment amount; The prepaid electronic money card is configured to be mounted, communicates with the OBU receiving device provided at the toll gate on the road, and performs toll payment processing according to the road traffic, and the point management device when entering the merchant of the prepaid electronic money card. And an on-board unit (OBU) to communicate with, wherein the OBU causes the prepaid electronic money card preloaded by the communication with the authentication server via the point management device to be authenticated and then authenticated. When the identification information of the prepaid electronic money card is transmitted to the point management device, the point management device performs processing on a point corresponding to the identification information.

In addition, the point management method using the OBU according to the present invention in order to achieve the above object is provided in the authentication / charging server for performing the authentication and charging process of the prepaid electronic money card, and the merchants of the prepaid electronic money card The toll management device for processing the points generated according to the payment amount and the OBU receiving device equipped with the prepaid electronic money card mounted on the toll gate on the road to perform the toll payment processing according to the road traffic and In the point management system using the OBU configured to include an OBU (On Board Unit) to communicate with the point management device when entering the merchant of the prepaid electronic money card, the OBU by the communication between the OBU and the authentication / charging server Authenticating the prepaid electronic money card mounted on the card; Converting at least a part of the customer's points stored in the point management device for the payment of the prepaid electronic money card according to the customer's selection; And storing a charge converted by the point in the prepaid electronic money card through communication between the OBU and the authentication / charge server according to a request of the point management device.

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

1 is a diagram schematically showing the overall configuration of a point management system using an OBU according to an embodiment of the present invention.

As shown in the figure, the point management system using the OBU according to an embodiment of the present invention is OBU (On Board Unit) 10, gas station point management device 20, electronic money company's authentication / charging server 30 It is configured to include). In the present embodiment, an example will be described in that point management is performed at a gas station as a card merchant.

The OBU 10 is mounted on a vehicle and communicates with an OBU receiver provided in a toll gate to perform a toll payment process according to the highway traffic.

The OBU 10 may be configured to mount (embedded or inserted) a prepaid smart card so as to read predetermined information from a prepaid smart card (not shown) or store predetermined information in the prepaid smart card. .

The smart card is a credit card sized plastic card with an integrated circuit chip that has the ability to handle a specific transaction by having a microprocessor, a card operating system, a security module, and a memory. IC cards defined in the ISO standard, smart cards defined in the smart card forum, and other cards called chip cards, microprocessor cards, CPU cards, super smart cards, and crypto cards. 2, the smart card stores customer information and personal identification number (PIN) information corresponding to personal identification information.

In particular, the prepaid smart card is a card configured to be able to make a payment using a charged amount by charging a certain amount at a charging station. Due to the property that payment is processed immediately without going through the network, the prepaid smart card is widely used because it is suitable to be used as a payment card on a high pass system such as a highway.

Meanwhile, the OBU 10 and the prepaid smart card may be connected in a contact or contactless manner. In the case of a contact prepaid smart card, a terminal for connection is exposed in one area of the card, and the non-contact prepaid smart card is connected. In the case of a card, a module for RF communication is embedded in the card.

Since communication between the OBU 10 and the prepaid smart card is already known, a detailed description thereof will be omitted, and the payment is made only when the prepaid smart card is mounted on the OBU 10 (including contact and non-contact), that is, in an integrated state. Since necessary operations such as processing are possible, in the following description of an embodiment of the present invention, the description of the communication flow with the prepaid smart card may be omitted when describing the operation of the OBU 10. That is, for example, the authentication process of the prepaid smart card is ultimately performed by communication between the external device and the prepaid smart card, but the OBU 10 device equipped with the prepaid smart card is prepaid by communication with the external device. It can be described that the authentication process of the smart card is performed. The configuration of the OBU 10 will be described in more detail with reference to FIG. 4.

On the other hand, the gas station point management apparatus 20 communicates with the OBU 10 in a short range wireless communication method and manages points based on predetermined information of a prepaid smart card transmitted from the OBU 10. In order to communicate with the OBU 10, the gas station point management device 20 includes a wireless transmission / reception device 21 supporting near field communication. The configuration of the point management apparatus 20 will be described in more detail with reference to FIG. 4.

The electronic money company's authentication / charging server 30 is provided in the generation company of the prepaid smart card attached to the OBU 20 connected to the point management device 20 through a TCP / IP (Transmission Control Protocol / Internet Protocol) network. Performs an authentication process for using the predetermined information stored in the prepaid smart card as the server, and makes the prepaid smart card be charged with the predetermined electronic money. The TCP / IP network may for example be an internet network.

FIG. 3 is a view schematically illustrating a communication area when the vehicle 40 equipped with the OBU 10 of FIG. 1 enters an entrance of a gas station in which the radio transceiver 21 is installed. Communication between the OBU 10 mounted on the vehicle 40 and the wireless transceiver 21 is performed by, for example, an infrared communication method or an RF communication method, and an infrared communication method is frequently used for reasons of signal interference. do.

The reason for setting the communication area as described above is to prevent the signal transmitted from the wireless transmission / reception apparatus from reaching a vehicle that does not enter the corresponding place (an affiliated store such as a gas station). Therefore, it is desirable to appropriately select the output and the communication method of the signal transmitted from the radio transceiver.

4 is a detailed block diagram of the main part of the point management system using the OBU 10 according to an embodiment of the present invention.

As shown in the figure, the OBU 10 mounted in the vehicle includes a short range wireless communication module 11, a smart card interface 14, a storage unit 13, and a control unit 12.

The short range wireless communication module 11 performs short range wireless communication with the point management device 20 provided at a gas station. In this case, the wireless communication includes Bluetooth, Zigbee, UWB (Ultra Wideband), and RFID (Radio Frequency). It is possible by any known communication method such as IDentification, infrared communication.

The smart card interface 14 is contacted or contactlessly connected to a prepaid smart card inserted or mounted in the OBU 10 to read information from the prepaid smart card or to input predetermined information into the smart card.

The storage unit 13 stores programs and data for controlling the overall operation of the OBU 10.

The controller 12 controls the components of the entire OBU 10 including the short range wireless communication module 11, the smart card interface 14, the storage 13, and the like. In particular, the control unit 12 processes the transmission and reception signals with the point management server 22 and the electronic money company's authentication / charging server 30 through the short-range wireless communication module 11, and also prepaid through the smart card interface 14 Transmit and receive signals with smart cards according to various communication methods.

On the other hand, the point management device 20 is configured to include a wireless transceiver 21, a point management server 22, the touch screen 23.

As illustrated in FIG. 3, the radio transceiver 21 periodically transmits a transmission request message to establish communication with the OBU 10 when the OBU 10 enters a predetermined range. In addition, the radio transceiver 21 transmits a signal transmitted from the OBU 10 to the point management server 22 according to the transmission request message. The wireless transceiver 21 may support Bluetooth, Zigbee, Ultra Wideband (UWB), Radio Frequency IDentification (RFID), and infrared communication.

The point management server 22 stores point information generated for each customer and for each card, provides the stored point details, communicates with the OBU 10 through the wireless transceiver 21, and also communicates with the OBU 10. It acts as a gateway to relay communication between the electronic money company's authentication / charge servers.

The touch screen 23 receives point information from the point management server 22 and displays the point information on the screen. The touch screen 23 receives an input through a screen interface from a user and transmits the input information to the point management server 22. The touch screen 23 may communicate with the point management server 22 in a wired or wireless manner. The driver of the vehicle to refuel may check the cumulative details of the points on the touch screen 23 without getting out of the car, or Although it may be fixedly installed near the driver's seat window to directly select the use of the point on 23), it is desirable to be provided as a portable supporting wireless communication to facilitate input and confirmation.

Hereinafter, a process of the point management system using the OBU 10 according to an embodiment of the present invention will be described in detail with reference to FIG. 5.

First, the radio transceiver 21 of a gas station transmits a kind of transmission request message at a predetermined period (step S1). This is also called polling, where the transmission request message is a signal for requesting the OBU 10 receiving the signal to respond, and in this embodiment, includes an authentication information request signal.

The transmission request message may be selected to have an output and a communication method such that the signal reaches only a certain area in order to prevent interference of the signal due to the characteristics of the wireless communication. That is, it is preferable not to affect the OBU 10 of the car running on the road near the gas station, and to affect only the OBU 10 of the car entering the gas station entrance.

The control unit 12 of the OBU 10, which receives the authentication information request signal included in the transmission request message through the short range wireless communication module 11, transmits the authentication information request signal to the smart card interface 14 (step S2). ). Accordingly, the smart card interface receiving the authentication information request signal reads the authentication information by communication with the prepaid smart card (step S3), and transmits the read authentication information signal to the control unit 12 (step S4). 12 transmits it to the wireless transceiver 21 via the short range wireless communication module 11 (step S5). The authentication information signal received by the wireless transceiver 21 is transmitted to the authentication / charging server 30 of the electronic money company through the point management server 22 (step S5), where the point management server 22 serves as a kind of gateway. Do this.

The authentication / charging server 30 of the electronic money company receiving the authentication information transmits the authentication confirmation information to the OBU 10 through the point management server 22 and the wireless transceiver 21 (step S6), and the OBU ( The control unit 12 of 10 transmits the authentication confirmation information received through the short range wireless communication module 11 to the smart card interface 14 (step S7). The prepaid smart card is authenticated by the communication between the smart card interface 14 and the prepaid smart card (step S8).

Both the authentication information signal and the authentication confirmation information signal can be transmitted and received encrypted by the encryption module. The authentication process of the prepaid smart card is performed by an OBU (more precisely, a prepaid smart card installed in the OBU) and an electronic money company. It can be changed by the communication connection process between authentication / charging servers.

Prepaid smart cards can only be used after this authentication process.

On the other hand, the touch screen 23 that receives the PIN (Personal Identification Number) input screen display request (step S9) from the point management server 22 provides a PIN input screen (step S10), and the PIN information by the user who confirmed this Is input, the inputted PIN information is transmitted to the point management server 22 (step S11). The point management server 22 transmits the customer information request signal including the PIN information to the OBU 10 through the wireless transceiver 21 (step S12).

Here, the point management server 22 manages the points based on customer information (for example, name, social security number, etc.) such as card holders, rather than managing points for each card. That is, even when the same customer uses a separate prepaid smart card, since the customer information stored in each prepaid smart card is the same, it is possible to integrate and manage points for each customer. Since customer information is required to manage the points as described above, a process of receiving PIN information is required to confirm whether the card holder is a customer having a right.

The control unit 12 of the OBU 10 receiving the customer information request signal through the short range wireless communication module 11 transmits the customer information request signal to the smart card interface 14 (step S13), and thus the smart card interface. 14 reads customer information by communication with a prepaid smart card (step S14). At this time, the prepaid smart card compares the transmitted PIN information with the built-in PIN information and transmits the requested customer information to the smart card interface 14 only when it matches.

The control unit 12 of the OBU 10 having received the customer information from the smart card interface 14 (step S15) transmits the customer information via the short range wireless communication module 11 (step S16), thereby transmitting and receiving the wireless device. The point management server 22 receiving the customer information through the 21 transmits the accumulated point information corresponding to the customer information to the touch screen 23 (step S17) to be displayed as shown in FIG. 6A (step S18). .

The customer can check his point information displayed on the touch screen 23 and use his point by selecting a menu on the touch screen 23. That is, when the customer selects a corresponding menu (point use menu of FIG. 6A and electronic card charging menu of FIG. 6B) in order to charge the prepaid smart card installed in the OBU 10 using his / her earned points, the touch screen 23 sends a prepaid smart card charging request to the point management server 22 (step S19). At this time, the customer may input a point to be used as a prepaid smart card charge while viewing the screen on the touch screen 23 as shown in FIG. 6C.

After receiving the prepaid smart card charging request, the point management server 22 subtracts and stores the customer's point to be switched to the charge (step S20), and transmits a card charge initialization request signal to the OBU 10 (step S21). Here, the card charge initialization request signal is a signal for requesting initialization processing for charging in the prepaid smart card.

The control unit 12 of the OBU 10 receiving the card charge initialization request signal through the short range wireless communication module 11 transmits the card charge initialization request signal to the smart card interface 14 (step S22). The card interface 14 communicates with the prepaid smart card to cause the prepaid smart card to perform an initialization process for charging the charge (step S23). In this case, the prepaid smart card may determine whether the sum of the amount to be charged and the currently charged amount is out of the maximum amount of charge. If the amount is out of the chargeable amount, the prepaid smart card may transmit an appropriate error message without completing the initialization process.

When a card charge request signal including a response to the card charge initialization request signal is transmitted from the prepaid smart card which has completed the initialization process to the control unit 12 of the OBU 10 via the smart card interface 14 (step S24), The control unit 12 transmits a card charge request signal to the authentication / charging server 30 through the short range wireless communication module 11, the wireless transmitting and receiving device 21, and the point management server 22 (step S25).

The electronic money company's authentication / charge server 30 that receives the card charge request signal stores the requested information. That is, the authentication / charging server 30 may subtract the amount of the requested amount from the amount stored in the card from the database (for example, the card ledger DB) that manages information on the prepaid smart card. In the case of charging using points, the corresponding details, for example, the point change indication, the amount of charge to be converted, the merchant code, and prepaid smart card information may be stored.

The electronic money company's authentication / charge server 30 transmits the charge to be charged to the prepaid smart card to the OBU 10 through the point management server 22 and the wireless transceiver 21 (step S26).

Here, the transmission of the remuneration means that a signal is transmitted so that an electronically payable amount is stored instead of physically moving the money. That is, the prepaid smart card may include a signal for charging a predetermined charge.

The control unit 12 of the OBU 10 receiving the charge via the short range wireless communication module 11 transmits the charge to the smart card interface 14 (step S27), and the corresponding prepaid smart card is charged. Gold is stored (step S28).

Signals transmitted from the above step S24 to step S27 can be transmitted and received in the encrypted state by the prepaid smart card and the electronic money company's authentication / charging server 30.

Subsequently, when a charge completion signal indicating that the charge is stored in the prepaid smart card is transmitted to the control unit 12 of the OBU 10 (step S29), the control unit 12 transmits it through the short range wireless communication module 11. (Step S30).

Accordingly, the point management server 22 receiving the charge completion signal through the wireless transceiver 21 transmits the corresponding details to the touch screen 23 (step S31) to be displayed. Then, the touch screen 23 displays a screen as shown in FIG. 6D (step S32) so that the customer can check the completion of charging.

Thus, for example, a driver of a vehicle entering a gas station on a highway checks the point information displayed on the touch screen automatically by communication with an OBU and a point server provided at the gas station, and at least a part of the identified point is It can be used to charge the prepaid smart card installed in the OBU.

Afterwards, the electronic money company and the merchant can settle the points according to the use of points and charge the electronic money.

In the above-described embodiment, the situation at the gas station as an affiliate has been described as an example, but the point management system using the OBU according to the present invention is provided with a point server capable of communicating with the OBU mounted in the vehicle and managing points for each customer. Wherever applicable, the authentication / charging server that performs the authentication and charging process of the prepaid smart card does not necessarily need to be integrated, nor is it provided in the electronic money company that issued the prepaid smart card.

In the present embodiment, but only the conversion of some of the accumulated points to the prepaid smart card charges, the present invention can be applied to the accumulation of points, other points to utilize for other purposes.

On the other hand, the present invention is not limited to the above-described specific embodiments, it can be carried out by various modifications and modifications within the scope not departing from the gist of the present invention. It will be apparent that such variations and modifications are included in the present invention as long as they belong to the appended claims.

As described above, according to the present invention, it is possible to facilitate point processing at each store by using an OBU in which a prepaid smart card such as a high pass electronic card is inserted without a separate point processing card. In doing so, by not only based on the unique number of the card, but also by using the information of the user or owner of the card, even if the same person uses a different card, it is possible to specify the user can be integrated management of the point.

In particular, by charging the high-pass electronic card inserted in the OBU using the point, there is no need to go to the charging station for charging the electronic card, and thus the amount of charge for the high-pass electronic card is insufficient and the highway toll is not paid. It is possible to prevent disadvantages such as fines incurred.

In addition, the customer's selection of the point processing is input on the touch screen and the point processing result is displayed, so that the driver of the vehicle equipped with the OBU can easily check the point and select the point processing without leaving the car. There is this.

Claims (9)

An authentication server for authenticating the prepaid electronic money card; A point management device that is provided at an affiliated store of the prepaid electronic money card and performs processing for points generated according to a payment amount; The prepaid electronic money card is configured to be mounted, communicates with the OBU receiving device provided at the toll gate on the road, and performs toll payment processing according to the road traffic, and the point management device when entering the merchant of the prepaid electronic money card. It is configured to include an OBU (On Board Unit) to communicate with, The OBU causes the prepaid electronic money card pre-loaded to be authenticated by communication with the authentication server via the point management device, and then the identification information of the authenticated prepaid electronic money card is transmitted to the point management device. When transmitting, the point management apparatus performs a process for a point corresponding to the identification information. The method of claim 1, Further comprising a charging server for charging the prepaid electronic money card, The point management device includes an input device and an output device, The point management apparatus displays the total cumulative amount of the points corresponding to the identification information on the output device, and the customer who has confirmed the total cumulative amount of the points manipulates the input device so that at least a part of the total cumulative amount of the points is prepaid. By selecting to switch to the electronic money card's recharge, the total accumulated amount of points is stored by subtracting the amount corresponding to the requested recharge, and transmitting a request signal for the recharge to be charged to the prepaid electronic money card. and, And the charge is charged in the prepaid electronic money card by communication between the OBU and the charging server according to a request signal from the point management device. The method of claim 2, The point using the OBU, the input device and the output device of the point management device is provided with a touch screen that displays the received point information on the screen, receives an input through a screen interface from the customer and transmits the input information Management system. The method of claim 3, The touch screen transmits the entered PIN value to the point management server when a PIN (personal unique number) value is input by the customer. The point management server transmits the identification information request signal including the received PIN value to the OBU, The OBU transmits the identification information to the point management server, the identification information including customer information read from the prepaid electronic money card mounted according to the matching of the PIN value included in the identification information request signal. Point management system. An authentication / charging server for authenticating and charging a prepaid electronic money card, a point management device that is provided at an affiliate store of the prepaid electronic money card and performs processing for points generated according to a payment amount, and the prepaid electronic money card OBU (On Board Unit) which is equipped with a currency card and communicates with the OBU receiver provided in the highway toll gate to perform the toll payment processing according to the highway passage and communicates with the point management device when entering the merchant of the prepaid electronic money card. In the point management system using the OBU configured to include, (a) authenticating the prepaid electronic money card mounted in the OBU by communication between the OBU and the authentication / charging server; (b) converting at least a portion of the customer's points stored in the point management device for the payment of the prepaid electronic money card according to the customer's selection; (c) storing the money converted by the point in the prepaid electronic money card through communication between the OBU and the authentication / charging server according to a request of the point management device. Point management method using the. The method of claim 5, In the step (a), the communication between the OBU and the authentication / charging server is performed via the point management device as the OBU enters an area capable of short-range wireless communication with the point management device. How to manage your points. The method of claim 6, The point management apparatus includes a point management server for storing and managing points, and a touch screen for receiving and displaying predetermined information from the point management server. In step (b), Transmitting PIN information input to the touch screen by a customer to the point management server; Transmitting, by the point management server, a customer information request signal including the received PIN information; Transmitting, by the OBU receiving the customer information request signal, the customer information read from the prepaid electronic money card to the point management server when the right to use the customer information is recognized based on the PIN information; Transmitting, by the point management server, point information corresponding to the customer information to the touch screen; At least a part of a point corresponding to the customer information is converted into a payment for the prepaid electronic money card at the request of the customer who confirms the point information displayed on the touch screen. How to manage your points. The method of claim 7, wherein When converting at least a part of the points corresponding to the customer information for the payment of the prepaid electronic money card at the request of the customer, the point management server corresponds to the requested money at the point corresponding to the customer information. Point management method using the OBU, characterized in that the points to be subtracted. The method of claim 8, Step (c) is, Transmitting, by the point management device, a card charge initialization request signal for charging the prepaid electronic money card to the OBU; In response to the card charge initialization request signal, the OBU performing a card charge initialization process and requesting the authentication / charge server to charge the prepaid electronic money card; Transmitting, by the authentication / charging server, a charge according to the prepaid electronic money card charging request; OBU receiving the payment from the authentication / charging server to store the charge in the prepaid electronic money, characterized in that the point management method using the OBU.

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