KR20090002288A - Method and system for charging electronic payment means and charging server - Google Patents

Method and system for charging electronic payment means and charging server Download PDF

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Publication number
KR20090002288A
KR20090002288A KR1020070063072A KR20070063072A KR20090002288A KR 20090002288 A KR20090002288 A KR 20090002288A KR 1020070063072 A KR1020070063072 A KR 1020070063072A KR 20070063072 A KR20070063072 A KR 20070063072A KR 20090002288 A KR20090002288 A KR 20090002288A
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charging
payment means
electronic payment
amount
charge
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KR1020070063072A
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Korean (ko)
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유병천
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에스케이 텔레콤주식회사
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Priority to KR1020070063072A priority Critical patent/KR20090002288A/en
Publication of KR20090002288A publication Critical patent/KR20090002288A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/206—Point-of-sale [POS] network systems comprising security or operator identification provisions, e.g. password entry
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

An electronic money charging system and method and a charging server are provided to adjust an environment in which an electronic money is charged and control a charging state through a mobile communication terminal. An electronic money charging method includes a step(S100) of accessing an electronic money charging server through a communication terminal to set a charging amount, charging period and charging condition, and a step(S120,S140) in which the electronic money charging server determines whether electronic money is charged with the set amount or determines whether the electronic money is charged after communicating with a mobile communication terminal of a user according to the charging amount, charging period and charging condition.

Description

METHOD AND SYSTEM FOR CHARGING ELECTRONIC PAYMENT MEANS AND CHARGING SERVER

1 is a block diagram illustrating the concept of a general electronic payment means;

2 is a configuration diagram for explaining an electronic payment means charging system according to an embodiment of the present invention;

3 is a block diagram for explaining an electronic payment means charging server according to an embodiment of the present invention,

4 is a flowchart illustrating a charging condition setting method for the electronic payment means in the electronic payment means charging server according to an embodiment of the present invention;

FIG. 5 is a flowchart for explaining a charging condition setting method for the electronic payment means shown in FIG. 4 in more detail;

6 is a flowchart illustrating a method for charging an electronic payment means according to an embodiment of the present invention.

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

100: computer 200: Internet

300: mobile communication terminal 400: mobile communication network

500: charging server 510: communication unit

520: Certification unit 530: Settlement unit

540: charging unit 550: message generating unit

560: database 570: interface unit

580: control unit 600: bank / card company server (financial company server)

700: merchant server 800: affiliate point / mileage server

900: electronic payment means

The present invention relates to the charging of the electronic payment means, in particular in charging the electronic payment means electronic payment means charging system that improves the convenience of users of electronic payment means by adjusting the charging environment of the electronic payment means in a variety of conditions in a variety of conditions , Method and charging server.

Existing real money has problems such as inconvenience of transaction, inconvenience of carrying, cost of making money, etc. Credit card that can be used according to individual's credit rating has appeared, and debit card that can be used as balance in bank account Recently, a prepaid card used for paying and receiving a certain amount of cash in offline or online, or electronic money mainly used for payment after charging with a bank transfer or a credit card through an online transaction has appeared.

A prepaid card is a card in which a customer purchases a card with a certain amount previously stored by an electronic or magnetic method from the card issuer so that the amount is automatically deducted within the balance of the card each time a purchase or service is used. It was mainly used as a calling card or a subway flat card.

Prepaid cards are plastic cards that contain a microprocessor and memory, which can store and process information in the card. They are classified into contact and contactless types according to the communication method with the outside.

Contact cards communicate through gold-plated contacts, and contactless cards communicate over radio frequencies using an antenna built into the card.

The prepaid card needs to charge a certain amount of money in the card before use, and such a charging device is a charging terminal provided in each charging station.

Recently, after purchasing a prepaid card in which a certain amount of money is stored from a card issuer, a predetermined amount of charge is recharged through online or offline use, and a representative example is a traffic card that can be used in a subway or a bus.

In the case of such a transportation card, its function was initially limited to the use of transportation means such as subways and buses, but in recent years, the number of merchants such as those used for small payments in convenience stores, coffee shops, and restaurants is increasing.

Electronic money is a new concept of money that replaces cash as bank deposits or money are stored electronically on a computer connected to an IC card or a network, and is divided into an IC card type and a network type according to how the monetary value is stored.

IC card type electronic money is also known as electronic wallet type electronic money, which is transferred to the IC card electronically by paying part of the bank deposit and paying it like cash at a terminal that can be settled. The unused portion may also be refunded to the user's bank account at the user's request.

Network-type electronic money is stored in virtual banks or computers connected to the Internet, and is used not only for electronic commerce, but also for purchasing game money or purchasing various paid items (acorns, etc.) from various Internet portal sites. Here, a representative example of network type electronic money is a virtual account of a virtual bank.

In the early stages, the concept of prepaid card and electronic money was divided, but recently, prepaid card is purchased in the name of prepaid card at the time of initial purchase, but in the case of rechargeable prepaid card, a function of electronic money is given and used. As the range is also diversified as in electronic money, both prepaid cards and electronic money are classified as electronic payment means.

Hereinafter, a general electronic payment means will be described with reference to the accompanying drawings.

1 is a view for explaining the concept of a general electronic payment means.

The general concept of electronic payment means is mainly related to prepaid cards and electronic money, and the user pays cash in his / her bank account 10 and points / miles in an affiliate's point / mile account 70. 30) and the payment is made through the electronic payment means 30 at the online or offline affiliated store 50 which can use the charged electronic payment stage 30. In addition, the cash charged in the electronic payment means 30 may be refunded back to the bank room account 10, the point / mileage to the partner point / mileage account 70.

Here, the bank real account 10 includes cash and a bank account of the user of the electronic payment means 30. In other words, when the electronic payment means 30 is a prepaid card, the bank room account 10 is a concept of cash, and in the case of electronic money, the bank account is a concept of transferring cash from an electronic money (electronic wallet, virtual account) to a bank account.

The affiliate point / mileage account 70 refers to the electronic payment means 30 possessed by an affiliate subscriber as the electronic payment means 30 user uses an affiliate (telecommunication company, airline, internet shopping mall, internet portal site, etc.). As a point / mileage provided, the point / mileage can be exchanged for cash, or even if it is not exchanged for cash, it is a concept that can be used instead of cash for some of various services or products provided by affiliates.

The affiliated store 50 pays various services or products by the payment of the electronic payment means 30, and the charged amount or points / mileage balance as much as the amount paid by the electronic payment means 30 is reduced.

However, according to the conventional charging method, since the prepaid card holder must visit the place where the charging terminal is located to charge the prepaid card, the charging is inconvenient.

Also, in the case of electronic money, a certain amount must be deposited in advance through bank transfer or card payment, etc. If it is not deposited in advance, it may be difficult to make a situation due to insufficient balance at the time of payment or even if there is a transfer amount. If it is not enough and the current situation is not easy to transfer the account, the user may also be in a difficult situation and there was a problem that such problems cannot be easily solved.

Accordingly, the present invention is to solve all the disadvantages and problems of the prior art as described above, the present invention to control the charging environment of the electronic payment means under a variety of conditions in the electronic payment means user charging the electronic payment means. The purpose of the present invention is to provide an electronic payment means charging system, a method, and a charging server, which improve the convenience of the electronic payment means user by allowing the charging situation to be adjusted through the mobile communication terminal.

In order to achieve the above object, the present invention, by connecting to the electronic payment means charging server through the communication terminal, the charging conditions for the electronic payment means, the charging period when the maximum / minimum balance setting amount of money is reached and the charging conditions when the excess payment is set Making; And determining, by the electronic payment means charging server, whether or not to charge the amount of money set in the electronic payment means according to the charging amount, the charging cycle, and the charging condition, or after communicating with the mobile communication terminal of the user of the electronic payment means. Making; It provides an electronic payment means charging method comprising a.

In order to achieve the above object, the present invention is connected to the electronic payment means charging server as a communication terminal, the charging amount for the electronic payment means, the charging period, the charging conditions when the maximum / minimum balance setting amount is reached, and the charge upon excess payment Setting a condition; Determining, by the electronic payment means charging server, that a charging situation corresponding to a charging condition set for the electronic payment means occurs; Searching for a charging condition for each of the charging situations when the charging situation occurs; And charging the electronic payment means according to the charging condition for the electronic payment means, or performing a charging after communicating with a mobile communication terminal of the user of the electronic payment means. It provides an electronic payment means charging method comprising a.

In addition, to achieve the above object, the present invention, the first communication terminal for setting the charging conditions including the charging method when the maximum balance set amount for the electronic payment means and the charging method when the excess payment; Set a charging condition including the charging method when the maximum balance amount for the electronic payment means and the charging method when the excess payment is set in the electronic payment means charging server, and if the charging status message is transmitted from the electronic payment means charging server A second communication terminal for returning whether or not to charge the message; And storing the charging conditions set by the first and second communication terminals, and charging or non-charging according to the charging conditions when the maximum balance setting amount is reached and when the overpayment is exceeded, or the mobile communication terminal of the user of the electronic payment means. A charging server which transmits a message for charging or not and determines whether to charge according to a reply result from the mobile communication terminal; It provides an electronic payment means charging system comprising a.

In addition, the present invention in order to achieve the above object, the communication unit, a communication unit for communicating with the financial institution server and the merchant server server payment possible electronic payment means; An authentication unit for authenticating the communication terminal user; A settlement unit configured to settle the present amount of the electronic payment means upon payment or charging of the electronic payment means; A charging unit for charging the amount set in the electronic payment means or the requested amount; A message generator for generating a message to be transmitted to a mobile communication terminal for determining whether to charge the electronic payment means; The electronic payment means identification information and electronic payment means user information is stored, and charged when the amount of charge, charging cycle, maximum / minimum balance setting amount, maximum / minimum balance setting amount for the electronic payment means set by the user of the electronic payment means A database storing charging conditions including a method and a charging method for overpayment; And a control unit controlling the communication unit, authentication unit, settlement unit, charging unit, message generation unit, and database. It provides an electronic payment means charging server comprising a.

Hereinafter, preferred embodiments of the electronic payment means charging system, method and charging server according to the present invention will be described in detail with reference to the accompanying drawings.

In addition, the terminology used in the present invention was selected as a general term that is widely used now, but in some cases, the term is arbitrarily selected by the applicant, and in this case, since the meaning is described in detail in the description of the invention, It is to be understood that the present invention is to be understood as the meaning of terms rather than the names of terms.

In addition, in describing the embodiments, descriptions of technical contents which are well known in the technical field to which the present invention belongs and are not directly related to the present invention will be omitted. This is to more clearly communicate without obscure the subject matter of the present invention by omitting unnecessary description.

2 is a view for explaining an electronic payment means charging system according to an embodiment of the present invention, Figure 3 is a block diagram of the electronic payment means charging server according to an embodiment of the present invention.

Electronic payment means charging system according to an embodiment of the present invention is connected to the electronic payment means charging server 500 via the Internet (200) computer 100 which is the first communication terminal for setting the charging conditions for the electronic payment means (900) And the charging condition for the electronic payment means 900 by accessing the electronic payment means charging server 500 through the mobile communication network 400, and notified of the charging status from the electronic payment means charging server 500. The mobile communication terminal 300, which is a second communication terminal for determining whether to be charged when notified, and a bank account or credit card account (hereinafter, referred to as a bank account / credit card account) that is a financial account of the electronic payment means 900 Connected with the computer 100 or the mobile communication terminal 300 to store the charging conditions for the electronic payment means set 900, the charging and settlement according to the stored charging conditions, the electronic payment means of the charging conditions Refill bin for 900 Electronic payment means according to whether to transmit a charging set to the mobile communication terminal 300 is configured to include a charge server 500.

Here, the credit card account may be a credit card number for performing a cash service for charging the electronic payment means 900, or may be one of a card payment account in which cash is first transferred during a cash service from a credit card.

In addition, the electronic payment means charging server 500 and the bank server or card company server 600 (hereinafter, referred to as a bank / card company server) that is a financial company server that manages the bank account / credit card account of the electronic payment means (900) and If the payment is made in the electronic payment means 900, the payment merchant identification information, payment time, payment amount and identification information of the electronic payment means 900 to the bank / card company server 600 and the electronic payment means charging server 500 The affiliated store server 700 to be transmitted is connected to a point or mileage account 800 (hereinafter, abbreviated as a point / mileage account) of at least one affiliate company to which the electronic payment means user subscribes.

Here, the electronic payment means 900 may be a debit card, prepaid card, electronic money (electronic wallet, virtual account) and credit card, and includes a payment means according to the electronic method prescribed in the Electronic Financial Transactions Act.

In the present invention, the charging conditions that can be set through the computer 100 or the mobile terminal 300 may include a charging amount, a charging period, a maximum / minimum balance setting amount, a charging method when the maximum / minimum balance setting amount is reached, and a charge upon excess payment. There is a way. In addition, there are two charging methods for overpayment: a charging method for exceeding the maximum balance set amount and a charging method for exceeding the current balance amount.

The charge amount includes a charge amount (fixed amount), a maximum charge amount, and a charge amount (non-fixed amount) obtained by direct input of the user of the electronic payment means.

In addition, the charging cycle includes periodic cycles such as daily, weekly, and monthly intervals, and irregular cycles of automatic charging or charging after user confirmation regardless of the cycle. Here, the conditions set by the user include a case in which the balance remaining in the electronic payment means 900 reaches the maximum / minimum balance setting amount regardless of the period, or the settlement exceeding the maximum balance setting amount or the settlement exceeding the current balance amount.

The maximum / minimum balance setting amount is an upper limit amount and a lower limit amount of charge that can be charged in the electronic payment means 900.

When the maximum / minimum balance amount is reached, the charging method is non-charged (limited), the maximum charge amount (only when the minimum balance amount is reached), recharged or automatically charged at the amount equivalent to one-time charge (allowed), maximum When the minimum balance setting amount is reached, there is charging (conditional restriction / allowing) after communication with the mobile communication terminal 300.

When the charging cycle is reached, the charging amount after the automatic charging is non-charged when the maximum balance setting amount is reached.

Here, the charging method when the maximum balance set amount is reached is a charging method for exceeding the maximum balance set amount when the amount set to be charged in the set charging cycle is exceeded, and when the minimum balance set amount is reached, the charging method is an electronic payment means. As a charging method for the case where the minimum balance setting amount is reached before the charging cycle in the payment process of (900), the present invention adds a method of automatically charging not only when the minimum balance setting amount is reached but also when the maximum balance setting amount is reached. It was.

The charging after communication with the mobile communication terminal 300 is a case in which the user of the electronic payment means 900 sets the charging status notification in the process of setting the charging condition in the charging server 500, and the charging status notification is a short message, It can be set to be notified through one or more of the text message or voice message, such as a long message, multimedia message, the electronic payment means charging server 500 in the situation generates a message in the form of a user-set short message service center (SMSC), long-term service center (LMSC), multimedia message service center (MMSC) or voice mail (VMS) to notify the mobile terminal 300, and after the notification from the response result from the mobile terminal 300 It is charged or not charged by checking whether it is charged. In addition, when recharging the charging status from the mobile communication terminal 300, an authentication procedure for inputting and transmitting a password in the mobile communication terminal 500 may be added prior to the response.

And the method of charging at the time of overpayment is the non-charged (restricted), the charge for unconditional payment (allowed), the charge up to the maximum balance set amount (conditional acceptance), regardless of the overpayment amount, the mobile terminal (300) ), There is a charge (conditional limit / allow) for charging up to the maximum balance set amount or unconditional payment.

In addition, if the payment amount is insufficient even after charging up to the maximum balance set amount after communication with the mobile terminal 300, non-charged (restricted), charging for unconditional payment (allowed), the maximum balance set amount is moved to the excess amount after charging There is charging / non-charging (conditional allowance / limiting) according to the communication result after communication with the communication terminal 300.

The computer 100 may be a personal computer, a laptop computer, a PDA, or the like, but the electronic payment means charging server 500 is not particularly limited if the device is accessible through the Internet 200, and the Internet 200 may be a wired or wireless Internet. It may be a wireless mobile Internet (WIBro), etc. If the communication network can be connected to the computer 100 and the electronic payment means charging server 500 need not be particularly limited.

The electronic payment means charging server 500 has a database 560 for storing identification information and user information of the electronic payment means 900 and various charging conditions set by the user of the electronic payment means 900, and is a financial company server. It is connected to the bank / card company server 600 and the merchant server 700, while connected to the Internet 200 and the mobile communication network 400, stores the charging conditions from the user of the electronic payment means, the merchant server 700 Settles the payment amount of the electronic payment means (900), and charges or connects with the bank / card company server (600) according to the charging conditions set for the current balance of the electronic payment means (900) according to the settlement result. After generating a message for the mobile communication network 400 through the mobile communication terminal 300 and connected to the bank / card company server 600 to charge (or not charging).

In addition, the electronic payment means charging server 500 is charged to the electronic payment means 900 for the amount of cash exchanged partner points / mileage, and calculates the current balance of the electronic payment means 900 according to the charged amount .

That is, the affiliate point / mileage is deposited from the affiliate point / mileage server 800 to the bank account or credit card account of the bank / card company server 600 and then to the electronic payment means 900 according to the charging conditions set by the user Charged or deposited directly from the affiliate point / mileage server 800 to the electronic payment means charging server 500 is settled in the electronic payment means charging server 500 in the direction that the current balance of the electronic payment means 900 increases. . In this case, points or miles accumulated in the affiliate point / mileage server 800 are generally subtracted by the corresponding amount. Here, the method of directly depositing the electronic payment means charging server 900 is to deposit the cash according to the unique identifier of the electronic payment means 900 for the cash converted at the affiliate point / mileage server 800 side. In this case, the affiliated point / mileage server 800 is transferred to a bank account or credit card account connected to the electronic payment means charging server 500 and managed for the amount exchanged into cash.

The bank / card company server 600 is a computer network server of a bank / card company, which is a financial company that manages a bank account or a credit card account of the electronic payment means 900, but is shown as one server in the drawing, but this is for convenience of description. Bank servers or multiple card company servers can be configured.

In addition, the merchant server 700 is also shown as one server for convenience of description, a plurality of merchant servers may be configured according to the type of industry.

Similarly, the affiliate point / mileage server 800 is also shown as one server for convenience of explanation, but may be a plurality of servers depending on the affiliate, the connection method is also the electronic payment means charging server 500 or bank / card company server It may be directly connected to 600, or can be connected through the Internet (200).

Electronic payment means charging server according to an embodiment of the present invention, as shown in Figure 3, communicates with the computer 100 via the Internet 200 or the mobile communication terminal 300 through the mobile communication network 400, the bank / Card company server 600, the merchant server 700 and the affiliated point / mileage server 800 to communicate with the communication unit 510, authentication unit 520 for authenticating the user of the computer 100 or the mobile terminal 300 ), The settlement unit 530 for settlement of the payment or charging of the electronic payment means 900, the charging unit 540 for charging the electronic payment means 900, and the mobile communication terminal 300 A message generating unit 550 for generating a message to be transmitted, the electronic payment means identification information and the electronic payment means user information is stored, the one-time charge amount for the electronic payment means 900 set by the electronic payment means user, charging cycle , Maximum / minimum balance amount, maximum / minimum balance amount And a database 560 for storing a liquid upon reaching charging method, the charging method than in the case of a payment data, comprises a controller 580 for controlling the electronic means of payment charge server 500.

Here, the electronic payment means charging server may further include an interface unit 570 which provides an interface for inputting electronic payment means identification information and electronic payment means user information into the database 560 as necessary. Can be.

In other words, when the electronic payment means is a debit card, credit card, and electronic money, the electronic payment means identification information and user information may be received from the bank / card company server 600 and stored, or the corresponding information may be received from the bank / card company. In addition, in the case of the prepaid card, the user may also access the charging system of the electronic payment means to register the identification information or user information of the prepaid card, or to receive and input the user information from the prepaid card distributor when registering the prepaid card. .

Here, the electronic payment means user information includes at least one of a social security number, a name, financial information (bank account number, credit card number, bank account or credit card password, security card number information, etc.). It may also include a mobile communication terminal number, a password required for authentication of the mobile communication terminal, and a transmission method for transmitting a charging status message to the mobile communication terminal.

And the electronic payment means identification information may be composed of the issuer name (issuer, issuer) and serial number of the electronic payment means.

The database 560 includes an electronic payment means-user information storage area 561 for storing electronic payment means identification information and electronic payment means user information, and a charge amount / charge for the electronic payment means 900 set by the electronic payment means user. Charge amount / charge cycle storage area 562 for storing the cycle, maximum / minimum balance setting amount storage area 563 for storing the maximum / minimum balance setting amount, balance for storing the charging method when the maximum / minimum balance setting amount is reached When the set amount is reached, the charging setting information area 564, the excess payment setting storage area 565 and the current balance information area 566, which store the charging method when exceeding the maximum balance setting amount and the charging method when exceeding the current balance amount, It is configured to include.

Here, the authentication unit 520 is connected to the computer 100 or the mobile communication terminal according to the authentication procedure (password, public certificate, etc.) set when the computer 100 or the mobile communication terminal 300 is connected through the communication unit 510. 00) Authenticate the user.

In addition, the settlement unit 530 may settle the balance information in the current balance information area 566 by calculating the amount of the payment or charging of the electronic payment means 900.

Meanwhile, the charging unit 540 communicates with the bank / card company server 600 through the communication unit 510 to charge the electronic payment means 900 from a bank account or credit card.

Herein, the message generating unit 550 may transmit a message to the mobile communication terminal 300 according to the transmission method set in the electronic payment means-user information storage area 561. Through the communication unit 510 in the form of one or more messages set by the user through a short message service center (SMSC), a long-term service center (LMSC), a multimedia message service center (MMSC) or a voice mailbox (VMS) of the mobile communication network 400 To transmit to the mobile communication terminal (300).

In addition, the interface unit 570 may include electronic payment means identification information for storing in the electronic payment means-user information storage area 561 of the database 560 and input means for inputting user information (for example, a computer keyboard). Etc.).

On the other hand, the controller 580 is the charge amount, charge period, maximum / minimum balance setting amount, maximum / minimum for the electronic payment means 900 that the electronic payment means user transmitted using the computer 100 or the mobile communication terminal 300 When the minimum balance amount is reached, the charging method stores the set data of the charging method and the excess payment method in the database 560, and the communication unit 510, the authentication unit 520, and the settlement unit according to the charging conditions stored in the database 560. The controller 530 controls the operations of the charger 540, the message generator 550, and the database 560.

4 is a flowchart illustrating a charging condition setting method for the electronic payment means in the electronic payment means charging server according to an embodiment of the present invention, and FIG. 5 is a view illustrating a charging condition setting method for the electronic payment means shown in FIG. 4. 6 is a flow chart for explaining the electronic payment means charging method according to an embodiment of the present invention.

In the method for setting the charging condition of the electronic payment means according to an embodiment of the present invention, as shown in FIGS. 4 and 5, the user of the electronic payment means is connected to the computer 100 or the mobile terminal 300 to the Internet 200 or the mobile communication network. The electronic payment means is connected to the charging server 500 through the 400 to set the charge amount and the charging cycle to be charged in the electronic payment means (900) (S100). At this time, the electronic payment means charging server 500 authenticates the user of the computer 100 or the mobile communication terminal 300 in the authentication unit 520 using the user information stored in the database 560.

At this time, the charge amount is set to the maximum / minimum charge amount of the electronic payment means 900 as shown in Figure 5 (S200). Here, the set maximum / minimum charge amount is stored in the maximum / minimum balance amount amount information area 563.

Subsequently, the charging amount S220 to be charged at the time of one charge is set, and the charging cycle S240 is set at the time of one charge.

Here, the charged amount may include a charged amount (fixed amount) to be charged at a time of charging and a charged amount (non-fixed amount) by the user of the electronic payment means.

In addition, the charging cycle includes periodic cycles such as daily unit, weekly unit, and monthly unit, and irregular cycles of automatic charging or charging after user confirmation according to a condition set by a user regardless of the cycle.

In this case, the set charge amount / charge period is stored in the total charge amount / charge period information area 562 of the database 560.

Subsequently, a charging method is set when the balance amount is reached (S120).

Here, the charging method upon reaching the balance setting amount determines whether or not the amount charged in the electronic payment means 900 reaches the maximum / minimum balance setting amount according to the charging amount and cycle set in step S100, When the amount of charge, the maximum charge amount or the amount of charge set once, the automatic charge, the balance is reached after the communication with the mobile communication terminal 300 when the balance amount reaches. Here, whether to charge when the balance set amount is reached is stored in the charge setting information area 564 when the balance set amount is reached.

Then, the charging method is set at the time of excess payment (S140).

Recharge method for overpayment is set to the maximum balance amount Recharge method for overpayment and overcharge for the current balance amount Recharge method for exceeding the current balance amount is non-charged, recharge for unconditional payments, regardless of overpayment amount Charge up to the balance set amount, there is a charge for charging or unconditional payment up to the maximum balance set amount after communication with the mobile communication terminal 300 for the excess payment amount, the method of charging when payment exceeds the maximum balance set amount is the mobile communication terminal (300) After the communication to the maximum balance set amount even after charging, if the amount is insufficient, there is a non-charge, unconditional payment for charging, the maximum balance set amount after the charge after communication with the mobile terminal 300 for the excess amount.

At this time, whether or not overpayment is stored in the overpayment setting information area 565.

As such, when charging according to the conditional permission from the mobile communication terminal 300 for charging when the balance set amount is reached and charging when the excess payment can be prepared in case of theft or loss.

If the electronic payment means 900 is provided to the children, the charging status message transmission is set to be transmitted to the mobile communication terminal of the parent who provided the electronic payment means 900, thereby preventing the indiscriminate use of the children. If you plan to spend a certain amount of time, think again to avoid indiscriminate waste. In addition, even if the parents provided the electronic payment means (900), even if set to transmit the charging message to the mobile communication terminal of the child provided with the electronic payment means (900) can be used more safely than cash, especially Yonsei In the case of parents, the physical damage due to loss or theft can be minimized as well as the mental damage. In addition, even if the electronic payment means 900 is provided to the third party, the charging message transmission provides the electronic payment means 900. If you send it to one user, it is easy to manage. On the other hand, if it is necessary to charge both the child, the child, and the parent can be charged according to the conditional permission using the mobile communication terminal 300 can easily escape from a difficult situation.

As such, the electronic payment means 900 provided to the child or the parent may register their own name or the actual user's name when they register and use the card after purchase (prepaid card) without the name. It may be provided to a third party, even if the name is not their own name, the financial account (bank account / credit card account) of the child or parent's electronic payment means 900 may be registered in the own account.

As such, the electronic payment means 900 is provided to someone other than the self, and the charging is performed in the own account. If the charging condition is set to communicate with the mobile terminal among the charging conditions described above, the charging is performed. It can be seen that the management is easy by communicating with the account registrant's mobile communication terminal.

In addition, an authentication procedure for inputting a password in the mobile communication terminal 300 may be added prior to the return from the mobile communication terminal 300 to the electronic payment means charging server 500.

The electronic payment means charging server 500 is charged according to the charge amount, charge cycle, charging conditions described above.

6, the electronic payment means 900 charging method according to an embodiment of the present invention determines whether the electronic payment means 900 has reached the charging status in the electronic payment means charging server 500 (S300). ). Here, the charging status includes the maximum / minimum balance set amount reached, the charging cycle reached, and the overpayment. The control unit 580 of the electronic payment means charging server 500 refers to each information area of the database 560 for maximum / minimum. Determine whether the balance set amount is reached, whether the charge cycle is reached, or whether the overpayment is over

For example, the current balance information area 566 confirms the current balance, the maximum / minimum balance setting amount information area 563 checks the maximum / minimum balance setting amount, and the charge amount / charge cycle information area 562. ) Checks whether the charging cycle has been reached, checks whether the excess payment request according to the payment of the electronic payment means 900 has occurred through the settlement unit 530, and charge setting information area 564 when the balance setting amount is reached. ), It is determined whether to charge more than the maximum balance set amount when the current balance is added, or to be less than the minimum balance set amount when the current balance is not charged.

If the determination result (S300), one of the charging situation is reached, the electronic payment means charging server 500 searches for the charging condition according to the charging situation (S320).

At this time, in the case of reaching the maximum / minimum balance setting amount, when the maximum / minimum balance setting amount is reached according to the charging amount and cycle set in step S100, the charging method is non-charged (limit) and the maximum charge amount (the minimum amount of the set amount If only) charging or charging the amount corresponding to the one-time charge amount (allowed), when the maximum / minimum balance set amount reaches the communication after the communication with the mobile terminal 300 (conditional restriction / allowance).

In addition, in the case of an overpayment request, the mobile communication terminal 300 charges the non-charged, unconditional payment, up to the maximum balance setting amount regardless of the overpayment amount, and the overpayment amount through the excess payment setting information area 565. If you set up to charge or unconditionally charge up to the maximum balance amount after communicating with the customer, and if the amount is still insufficient after you have charged up to the maximum balance amount, move to the non-charged, unconditional charge, or excess amount After communicating with the communication terminal 300 again, it searches whether it is charged according to the communication result.

 Subsequently, the controller 580 of the electronic payment means charging server 500 determines whether the charging condition is satisfied according to the search result S320 (S340).

If the determination result (S340), the charging condition is not satisfied, the electronic payment means charging server 500 ends (non-charging) the current situation. In this case, when the charging condition is not satisfied, the user sets a limit for charging or payment.

However, if the determination result (S340) satisfies the charging conditions, the control unit 580 of the electronic payment means charging server 500 determines whether the notification is set and the status is determined after the notification to the mobile communication terminal for charging. (S360).

If the determination result (S360), the charging information notification is not set, the electronic payment means charging server 500 is charged with the charging conditions set through the financial account (bank account or credit card account) of the electronic payment means (900) (S420). ).

However, if the determination result (S360) and the situation is to notify whether the charge is set, the message generation unit 550 of the electronic payment means charging server 500 generates a charge or not message, the generated message communication unit 510 It transmits to the mobile communication terminal 300 is set to notify whether the charge through (S380). In this case, the electronic payment means user may be a child, a child, a parent, or a third party. The electronic payment means charging server 500 notifies the user of the charging of the mobile communication terminal 300 to which the charging is set. Therefore, in the case of yourself, you can think again about unnecessary charging or unnecessary payment, and if you provide electronic payment means 900 to children, parents, or third parties, check whether charging is necessary and then charge As a result, unnecessary waste, loss, and theft can be prepared.

Then, it is determined whether the charging request is returned from the mobile communication terminal 300 according to the charging status notification result (S400).

As a result of the determination (S400), when the charging request is received, the electronic payment means charging server 500 is charged according to the financial account (bank account or credit card account) and charging conditions of the electronic payment means (S420). At this time, if an authentication procedure such as a password is set, it is charged after performing authentication on the password. If there is a password input error with the authentication procedure such as a password set, a charge request message is sent again. If a password error occurs for the number of times (3-5 times) set for such a charge request message, It is set to prohibit charging of the electronic payment means 900. Therefore, the electronic payment means user can use the electronic payment means 900 more securely.

In addition, the charging completion message is notified to the mobile communication terminal 300 (S440).

However, if the determination result (S400) the mobile communication terminal 300 rejected the charging request, the mobile communication terminal 300 notifies the charge rejection message (S460), and ends. Therefore, it is not charged.

Although the present invention has been described as an example as described above, the present invention is not necessarily limited to these examples, and various modifications can be made without departing from the spirit of the present invention. Therefore, the examples disclosed in the present invention are not intended to limit the technical idea of the present invention but to explain the present invention, and the scope of the technical idea of the present invention is not limited by these examples. The scope of protection of the present invention should be interpreted by the following claims, and all technical ideas within the scope equivalent thereto should be construed as being included in the scope of the present invention.

According to the present invention as described above has the following effects.

First, by varying the charging conditions of the electronic payment means the user can minimize the difficult situation due to the non-charge of the electronic payment means.

Second, when the charging condition of the electronic payment means is conditional, the mobile communication terminal is notified of a situation in which charging is required, thereby minimizing a disadvantage due to loss or theft.

Third, in the case of providing electronic payment means to children, parents, and third parties, reckless use can be prevented.

Claims (30)

Accessing the electronic payment means charging server through a communication terminal to set a charging condition for the electronic payment means, a charging period, and a charging condition for overpayment when the maximum / minimum balance setting amount is reached; And, Determining, by the electronic payment means charging server, whether to charge the amount set in the electronic payment means according to the charging amount, the charging cycle, and the charging condition, or determining whether to charge after communicating with the mobile communication terminal of the user of the electronic payment means; Electronic payment means charging method comprising a. The method of claim 1, The setting of the charge amount and the charge period for the electronic payment means may include: And setting a maximum / minimum charge amount for the electronic payment means, and a charging cycle for charging the one time charge amount and the one time charge amount. The method of claim 1, Setting the charging condition when the maximum / minimum balance setting amount is reached, Electronic payment means characterized in that the automatic charging to the amount corresponding to the non-charged, maximum charge amount charge or one-time charge amount and the charge after communication with the user's mobile communication terminal when the balance set amount is reached Charging method. The method of claim 3, wherein When the maximum balance set amount is reached, the charging condition is a case where the amount charged once in the charging cycle exceeds the maximum balance set amount, The charging condition when the minimum balance set amount is reached is when the charged amount of the electronic payment means reaches the minimum balance set amount before the charging cycle. The method of claim 1, In case of overpayment, Recharge up to the maximum balance set amount, regardless of non-charge, unconditional charge, or overpayment, Electronic payment means charging method, characterized in that the charge to one of the maximum balance set amount according to the communication result with the mobile communication terminal, unconditional charging and uncharged. The method of claim 5, wherein If the payment amount is insufficient even after charging to the maximum balance set amount after communication with the mobile communication terminal, either uncharged, charge for unconditional payment, charge or excess charge according to the communication result after communication with the mobile communication terminal for the excess amount Electronic payment means charging method characterized in that the setting. Connecting to the electronic payment means charging server through a communication terminal to set a charge amount for the electronic payment means, a charging cycle, a charging condition when the maximum / minimum balance setting amount is reached, and a charging condition when the excess payment is made; Determining, by the electronic payment means charging server, that a charging situation corresponding to a charging condition set for the electronic payment means occurs; Searching for a charging condition for each of the charging situations when the charging situation occurs; And, Performing charging for the electronic payment means according to the charging condition for the electronic payment means or performing communication after communicating with a mobile communication terminal of the user of the electronic payment means if the charging condition is satisfied; Electronic payment means charging method comprising a. The method of claim 7, wherein The charging situation is generated, Electronic payment means charging method, characterized in that one of the maximum / minimum balance set amount reached, the charging cycle reached, overpayment request set in the electronic payment means. The method of claim 8, In the charging situation, In the case of reaching the maximum / minimum balance set amount, Perform one of non-charge, maximum charge amount charge or automatic charge with the amount equivalent to one charge amount, and after charging with the mobile communication terminal when the maximum / minimum balance setting amount is reached, In case of reaching the charging cycle, When the charge amount after the automatic charge reaches the maximum balance set amount, the non-charge, the automatic charge according to the one-time charge amount, and the charge after communication with the mobile terminal or not, performs one of the charge, In the case of the overpayment request, Whether it is set to charge for uncharged, unconditional payment, charge up to the maximum balance set amount, charge up to the maximum balance set amount after communicating with the mobile terminal for the excess balance amount, or charge for unconditional payment, and set the maximum balance If the payment amount is insufficient even after charging up to the amount, the electronic payment means charging method characterized in that the non-charging, charging for unconditional payment, charging according to the communication result after the communication with the mobile communication terminal again for the excess amount .  The method according to claim 1 or 7, Performing charging after communicating with the mobile communication terminal, The electronic payment means server transmits one or more of a short message, a long message, a multimedia message or a voice message to a short message service center (SMSC), a long text service center (LMSC), a multimedia message service center (MMSC) or a voice mail box of a mobile communication network. Method of charging the electronic payment means, characterized in that the charging after the transmission to the mobile terminal through the VMS) in the reply result from the mobile terminal. The method according to claim 1 or 7, If the actual user and the payment account registrant of the electronic payment means is different from each other when communicating with the mobile communication terminal to determine whether to charge, the electronic payment means charging method characterized in that it communicates with the mobile communication terminal of the financial account registrant. Set the charging conditions in the electronic payment means charging server including the charging method when the maximum balance set amount for the electronic payment means is reached and the charging method when excess payment is made, The charging condition including the charging method when the maximum balance amount for the electronic payment means is reached and the charging method when excess payment is set, as well as the charging status message is transmitted from the electronic payment means charging server. A communication terminal returning whether or not to charge the charging status message; And, The charging condition set by the communication terminal is stored and charged or non-charged according to the charging condition when the maximum balance setting amount is reached and when the overpayment is exceeded, or the mobile communication terminal of the electronic payment means user sends a message about whether the charging is performed. A charging server for transmitting and determining whether to charge according to a reply result from the mobile communication terminal; Electronic payment means charging system comprising a. The method of claim 12, The communication terminal is an electronic payment means charging system, characterized in that at least one of a computer and a mobile communication terminal. The method of claim 12, The charging server, Electronic payment means characterized in that it is connected to a financial company server that manages the financial account of the electronic payment means, the merchant server that can be paid through the electronic payment means, and the server of the affiliated company that has accumulated points or miles of the user of the electronic payment means. Charging system. The method of claim 14, The affiliated store server transmits the affiliated store identification information, the settlement time, the payment amount, and the identification information of the electronic payment means to the charging server when the payment is generated through the electronic payment means. The method of claim 14, When the points or miles of the user of the electronic payment means can be exchanged for cash at the partner's server, the cash is charged from the affiliate server to the financial account of the electronic payment means and charged to the electronic payment means according to the set charging condition. The electronic payment means charging system, characterized in that the payment is settled in the current balance of the electronic payment means is deposited into the charging server. The method according to claim 14 or 16, The financial account is an electronic payment means charging system, characterized in that the bank account or credit card account. The method of claim 12, The electronic payment means electronic payment means charging system, characterized in that it comprises a debit card, prepaid card, electronic money and credit card. The method of claim 18, The electronic money is an electronic payment means charging system, characterized in that it comprises an electronic wallet and a virtual account. A communication unit for communicating with a communication terminal, a financial company server, and an affiliated server server capable of electronic payment means; An authentication unit for authenticating the communication terminal user; A settlement unit configured to settle the present amount of the electronic payment means upon payment or charging of the electronic payment means; A charging unit for charging the amount set in the electronic payment means or the requested amount; A message generator for generating a message to be transmitted to a mobile communication terminal for determining whether to charge the electronic payment means; The electronic payment means identification information and electronic payment means user information is stored, and charged when the amount of charge, charging cycle, maximum / minimum balance setting amount, maximum / minimum balance setting amount for the electronic payment means set by the user of the electronic payment means A database storing charging conditions including a method and a charging method for overpayment; And, A control unit for controlling the communication unit, authentication unit, settlement unit, charging unit, message generation unit and database; Electronic payment means charging server, characterized in that configured to include. The method of claim 20, The database includes an electronic payment means-user information storage area for storing electronic payment means identification information and electronic payment means user information, and a charge amount for storing the charge amount / charge cycle for the electronic payment means set by the user of the electronic payment means. / Charge cycle storage area, the maximum / minimum balance setting amount storage area for storing the maximum / minimum balance setting amount for the electronic payment means, and the balance setting amount storing the charging method when the maximum / minimum balance setting amount reached Time charging setting information area, the electronic payment means charging server, characterized in that it comprises an excess payment setting storage area and a current balance information area for storing the charging method when the excess payment using the electronic payment means. The method of claim 20 or 21, The electronic payment means user information is transmitted when the resident number, name, financial account number and password of the financial account, the mobile communication terminal number, password for authenticating the mobile communication terminal, security card number, charging status message to the mobile communication terminal. Include one or more of the information about the method, The electronic payment means identification information electronic payment means charging server, characterized in that it includes the issuer name and serial number of the electronic payment means The method of claim 21, In the charge cycle / charge amount storage area, A flat rate charge amount for which the charge amount is determined upon one charge to the electronic payment means or a non-liquid solution charge setting for which the charge amount is determined by the user of the electronic payment means is stored; The charging cycle is an electronic payment means charging server, characterized in that the non-periodical period of charging by the user is stored regardless of the charging cycle or cycle by a periodic cycle, such as daily, weekly, monthly. The method of claim 21, In the maximum / minimum balance setting amount storage area, a maximum balance amount and a minimum balance amount to be charged in the electronic payment means are set. When the balance setting amount is reached, in the charge setting information area, the electronic payment means is charged with the maximum balance amount in a state where the maximum balance amount is filled or when the minimum balance amount is reached, Electronic charging means charging server, characterized in that one of the charging method according to the result of the replies after the automatic charging, non-charging or notifying the user of the mobile payment terminal of the electronic payment means. The method of claim 21, In the excess payment setting storage area, when charging the balance exceeding the balance setting amount using the electronic payment means, charging for unconditional payment, non-charging for non-payment, charging or over-payment up to the maximum balance setting amount regardless of the excess amount E-payment means charging server, characterized in that the one of the charging method is set according to the response after the notification whether the payment from the mobile communication terminal is set for. The method of claim 20, The message generating unit sends a message to the mobile communication terminal when the maximum balance setting amount set by the user of the electronic payment means is exceeded and when the maximum payment amount is set and the maximum / minimum balance setting amount is reached according to the charging condition stored in the database. If set to transmit the electronic payment means charging server, characterized in that for generating a message for the charge. The method of claim 20, The control unit is a charging method for the electronic payment means, the charging period, the maximum / minimum balance setting amount, the maximum / minimum balance setting amount, the charging method when the electronic payment means user transmitted from the communication terminal, the charging method when the excess payment Storing charging conditions in a database, and the electronic payment means charging server, characterized in that for controlling the operation of the communication unit, the authentication unit, the settlement unit, the charging unit and the message generating unit according to the charging conditions stored in the database. The method of claim 20, The financial company server is an electronic payment means charging server, characterized in that the bank server or card company server. The method of claim 20, The electronic payment means charging server, And an interface unit for providing an interface for inputting the electronic payment means identification information and the electronic payment means user information into the database. The method of claim 20, The mobile communication terminal for determining whether to charge the electronic payment means is one of the mobile communication terminal of the user of the electronic payment means and the mobile communication terminal of the financial account registrant set to charge the electronic payment means. Sudan charging server.
KR1020070063072A 2007-06-26 2007-06-26 Method and system for charging electronic payment means and charging server KR20090002288A (en)

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KR20100132791A (en) * 2009-06-10 2010-12-20 에스케이 텔레콤주식회사 Charging system for electronic money and method thereof
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KR20100132791A (en) * 2009-06-10 2010-12-20 에스케이 텔레콤주식회사 Charging system for electronic money and method thereof
KR101140898B1 (en) * 2009-07-13 2012-05-03 에스케이플래닛 주식회사 System and method for processing unconfirmed deal case of electronic money service, and apparatus applied to the same
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KR20150041684A (en) * 2013-10-08 2015-04-17 주식회사 하나은행 System, method and recoding medioum for social banking
CN105336047A (en) * 2014-08-07 2016-02-17 上海安居利智能科技发展有限公司 Prepayment meter charging method and system
KR20220054910A (en) * 2016-09-06 2022-05-03 애플 인크. User interfaces for store-value accounts
KR20180078668A (en) * 2016-12-30 2018-07-10 한국철도공사 Payment System for HCE Mobile Advance Payment Type Traffic Card using minimum balance and Payment Method thereof
CN110390519A (en) * 2018-04-18 2019-10-29 富尔特科技股份有限公司 The periodical stored value systems and method of aperiodicity commodity
US11900355B2 (en) 2018-06-03 2024-02-13 Apple Inc. User interfaces for transfer accounts
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