KR20110071174A - Method and apparatus for providing call service using card - Google Patents

Abstract

PURPOSE: A method and an apparatus for offering conversation service using a card is provided to allow the phone call service, when the phone call service charge, corresponding to the predetermined allowed time before interlinking to the called number, is payed in advance and the payment is successfully processed. CONSTITUTION: A billing unit(122) receives the card identification information and a called party information from a user terminal. A billing unit calculates the basic service charge corresponding to the phone call allowance time. A settlement gateway interworking unit(124) requests the payment for the basic service charge based on the card identification number to the payment server. If the payment is processed normally, the telephony call processing unit(125) interrlink between the user terminal and the called terminal during the phone call allowance time.

Description

Method and apparatus for providing call service using credit card {METHOD AND APPARATUS FOR PROVIDING CALL SERVICE USING CARD}

The present invention relates to a method and apparatus for providing a call service using a card, and more particularly, to prepay a fee corresponding to a predetermined call time with a check card or a credit card, and to allow a call only when a payment is successful. A method and apparatus are disclosed.

A check card is a card linked to a bank account and freely settled within the balance of the bank account, and has the advantages of lump sum payment of a debit card and a wide range of merchants of a credit card.

In the check card call service, the check card subscriber does not need to subscribe to the communication service separately, and inputs authentication information for subscriber authentication at the user terminal, and if the authentication is successful, the call is made by pressing the called phone number. It is a step of requesting payment of a call charge to a check card company using the entered authentication information.

More specifically, the check card subscriber accesses the check card call service by pressing an access number from a user terminal such as a public telephone, a general telephone or a mobile phone, and provides subscriber authentication information such as a card number and an expiration date at the user terminal. Enter it.

The check card call system requests the subscriber card to authenticate the subscriber with the inputted authentication information. If the authentication is successful, the subscriber presses the called number to use the call service.

When the call is terminated, the check card call system requests payment to the check card company in real time with the information input in the authentication step, and the check card company requests the withdrawal of the call fee to the payment account of the bank connected to the check card again.

If there is a balance corresponding to the call charge in the account, the check card company deducts the balance of the payment account and transmits the settlement result to the check card currency system, and if the settlement fails, transmits the rejection result.

The check card call service first provides a call to the subscriber, and after the call is terminated, the request is made to the check card company. Therefore, the check card company receives the authentication information from the previous call to verify the validity of the check card subscriber.

At this stage, however, the check card company determines that only the valid subscriber is valid and transmits the authentication result to the check card call system. Therefore, the authentication succeeds even when the valid subscriber is low or does not have a balance in the payment account.

In this case, after the call is provided by the check card call system, if the call fee is requested at the end of the call, a payment rejection response is received due to insufficient balance.

Although it is possible to consider how to check and respond to the balance of the check card call service user's payment account at the stage of authentication with a check card company, this complicates the check card company's authentication process and delays the response time. .

In addition, the check card call service proceeds with payment after providing a call, and since the user and provider of the service do not face each other, and the service provider does not have a means for billing the user separately, There is no means to house it.

In addition, in the case of a call service using a credit card, the call service is provided first, and when the call is terminated, the call fee is requested to the credit card company.

At this time, if the card is impossible to pay or the balance of the payment account is insufficient, payment is not processed normally.

For this reason, in the related art, there is a problem in that a situation in which payment is not made even though a call service using a check card and a credit card is normally provided and the amount of the unpaid amount increases.

In order to solve the above-mentioned problems of the prior art, the present invention, when the check card or credit card subscriber enters the card information such as card number, expiration date and password to use the card call service and presses the called phone number, the incoming call The present invention provides a method and apparatus for prepaying a fee corresponding to a predetermined call allowance time before connecting a number and a call, and allowing the call only when the payment is successful.

The objects of the present invention are not limited to the above-mentioned objects, and other objects not mentioned can be clearly understood from the following description.

In order to achieve the above object, a call service providing apparatus using a card according to an aspect of the present invention, the charging unit for receiving the card identification information and incoming information from the user terminal and calculates the unit call rate corresponding to the call allowed time; A payment gateway interworking unit requesting a payment server for payment of the unit call rate based on the card identification information; and if the payment is normally processed, the user terminal and the called terminal associated with the called number during the call allowance time; Including a call call processing unit for connecting the call between, the payment gateway interlocking unit requests the payment cancellation for the remaining amount of money except the fee corresponding to the actual call time from the payment processing fee.

In order to achieve the above object, a call service providing method using a card according to another aspect of the present invention comprises the steps of (a) receiving card information and a called number from a user terminal, (b) calling rate based on the called number; Searching and calculating a fee corresponding to a predetermined call allowance time; (c) requesting a prepayment for the calculated fee based on the card information; (d) if the prepayment is processed normally, allowing the call Connecting a call with the called number for a time; (e) if a predetermined time arrives from the call allowance time, requesting the user terminal to select whether to continue the call; and (f) from the user terminal. Re-requesting a prepayment for a charge corresponding to the allowed call time, when the selection information for the continued call is received; And (g) if the pre-paid prepayment is processed normally, further extending the call with the called number during the call allowance time.

BRIEF DESCRIPTION OF THE DRAWINGS The above and other objects, features and advantages of the present invention will be more apparent from the following detailed description taken in conjunction with the accompanying drawings, in which: FIG.

The present invention may, however, be embodied in many different forms and should not be construed as being limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art. It is provided to fully inform the owner of the scope of the invention.

According to one of the problem solving means of the method and apparatus for providing a call service using the card of the present invention described above, a check card or a credit card charges a fee corresponding to a predetermined call allowance time before connecting a call with a called phone number. Since the call is allowed only when the payment is made in advance and the payment is successful, it is possible to prevent the charges from being rejected due to insufficient payment account balance after using the card call service.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily carry out the present invention.

The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein.

In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

For reference, in the entire specification, when a part is "connected" to another part, it is not only "directly connected" but also "electrically connected" with another element in between. Also includes.

Also, when an element is referred to as "comprising ", it means that it can include other elements as well, without departing from the other elements unless specifically stated otherwise.

Hereinafter, with reference to the accompanying configuration diagram or processing flow chart, it will be described in detail for the practice of the present invention, the embodiment of the card will be described the case of the check card.

1 is a diagram illustrating a configuration of a system for providing a call service using a check card according to an embodiment of the present invention.

A system for providing a call service using a check card according to an embodiment of the present invention includes a user terminal 110, a call service control server 120, a payment gateway 130, a check card payment server 140, and a bank server ( 150 and telephone network 160.

In describing each component, the user terminal 110 includes a public telephone, a general telephone, and a mobile phone. The check card subscriber accesses the check card call service through the user terminal 110, and checks the card number of the check card, An incoming telephone number to call with check card information (hereinafter referred to as subscriber authentication information) such as an expiration date and a password is inputted.

In addition, the user terminal 110 transmits the subscriber authentication information and the called phone number to the call service control server 120, and if the payment for the subscriber authentication and prepayment is successful, the check card subscriber for a predetermined call allowance time. Provide currency.

For reference, as described above, the user terminal 110 may transmit the subscriber authentication information and the called phone number together to the call service control server 120, but first transmit the subscriber authentication information to the call service control server 120. If only the subscriber authentication succeeds, an incoming telephone number may be received from the user and transmitted to the call service control server 120.

In addition, when a predetermined time arrives from a predetermined call allowance time (hereinafter, referred to as a call allowance time) prepaid with a check card, the user terminal 110 requests to select whether to continue the call from the call service control server 120. Received, and receives selection information on whether to continue the call from the check card subscriber and transmits to the call service control server 120.

On the other hand, the call service control server 120 receives the subscriber authentication information and the called phone number from the user terminal 110 through the telephone network 160, and the rate corresponding to the call rate search and call allowance time based on the called phone number Calculate

At this time, the call service control server 120 uses the called telephone number to determine whether the telephone number is an international telephone number, a local telephone number, a long distance telephone number, a mobile telephone number, or a special telephone number (for example, 060 number). By determining, the call rate corresponding to each can be retrieved.

Thereafter, the call service control server 120 transmits the subscriber authentication information and the charge information on the calculated call allowance time to the payment gateway 130 to request subscriber authentication and prepayment, and to authenticate the subscriber from the payment gateway 130 and the subscriber. Receive the results of the prepayment request.

For reference, as described above, the call service control server 120 may transmit the subscriber authentication information and the charge information on the call permission time to the payment gateway 130 together, but the subscriber authentication information is first transmitted to the payment gateway 130. After the subscriber authentication is successful, after calculating the charge for the allow time for the call based on the incoming telephone number received from the user terminal 110, the calculated charge information may be transmitted to the payment gateway 130.

If the prepayment is normally processed, the call service control server 120 connects the incoming call number with the call.

Here, the prepayment is normally processed, meaning that the balance of the check card subscriber's payment account is equal to or greater than the amount for which the prepayment is requested, so that the corresponding amount has been withdrawn.

In addition, since subscriber authentication must be preceded in order for prepayment to be executed, the successful prepayment means that the subscriber authentication is also successful.

If the subscriber authentication fails or the prepayment fails because the balance of the check card subscriber's payment account is smaller than the amount requested for the prepayment, the call service control server 120 sends a voice message or a text message (when the user terminal is a mobile phone). The check card subscriber can be informed via

If the prepayment is normally processed, the call service control server 120 connects the incoming telephone number with the call. Thereafter, the call service control server 120 requests to select whether to continue the call to the user terminal 110 when a predetermined time comes from the call permission time.

In this case, the predetermined time point may be a time obtained by subtracting a round trip time (RTT), which is a time required for a payment request and a response from the call allowance time. For example, if the talk time is 3 minutes and the RTT is 30 seconds, the predetermined time point is 2 minutes 30 seconds.

In addition, the request to select whether to continue the call may use a beep or the like. That is, when the beep sounds, the check card subscriber recognizes that the available time is short, and if the user wants to continue the call, the subscriber can extend the call by pressing a specific button of the user terminal 110.

This can be provided to the check card subscriber in advance by providing a voice guidance when the check card subscriber intends to use the check card call service, or by attaching a separate guide message outside the pay telephone in the case of a public telephone. .

If the check card subscriber wants to continue the call after the first upfront payment and presses a specific button of the user terminal 110, the call service control server 120 charges a charge for the call allowance time (equivalent to the initial call allowance time). Re-request the upfront payment to 130, and receives a result of the prepayment request from the payment gateway 130.

At this time, if the balance of the check account subscriber's payment account is equal to or more than the rate corresponding to the allowable call time, the re-requested prepayment is normally processed, and the call service control server 120 extends the current call by the allowable call time. Check Card Allows subscribers to continue talking.

If the balance of the check account subscriber's payment account is lower than the fee corresponding to the allowable time, the pre-requested prepayment is not normally processed, and the call service control server 120 terminates the call when the call allowance time arrives.

When the check card subscriber terminates the call after the extension call (at least one or more times), the call service control server 120 calculates a fee for the talk time after the final prepayment, and from the final prepayment amount, By calculating the difference and requesting the payment cancellation to the payment gateway 130, the amount corresponding to the actual call time is finally settled.

Meanwhile, the payment gateway 130 receives the subscriber authentication and prepayment request from the call service control server 120 and requests the subscriber authentication and prepayment to the check card payment server 140.

In this case, the payment gateway 130 generates a check card payment telegram based on the subscriber authentication information and the prepaid information included in the prepaid request and transmits the check card payment to the check card payment server 140.

Thereafter, the payment gateway 130 receives the subscriber authentication result and the prepaid result from the check card payment server 140 and transmits the result to the call service control server 120.

In addition, the payment gateway 130 receives a payment cancellation request from the call service control server 120 and requests the payment cancellation to the check card payment server 140. In this case, the payment gateway 130 generates a check card cancellation payment message based on the subscriber authentication information and the prepaid information included in the prepaid request and transmits it to the check card payment server 140.

Meanwhile, the check card payment server 140 receives a prepaid request including subscriber authentication information and a full check card payment from the payment gateway 130.

The check card payment server 140 determines whether the subscriber is a valid subscriber based on the subscriber authentication information. If the check card payment server 140 is normal, the check card payment server 140 requests the withdrawal of the payment to the bank server 150 having the payment account based on the check card payment.

At this time, when the check card payment server 140 fails to authenticate the subscriber, the check card payment server 140 transmits a response message indicating this to the payment gateway 130, and receives the result of the prepayment request from the bank server 150 to the payment gateway 130. send.

In addition, the check card payment server 140 receives the payment cancellation request including the check card payment cancellation full text from the payment gateway 130, and cancels the payment to the bank server 150 having the payment account based on the check card payment cancellation full text. That is, request a deposit for the amount to be canceled.

Meanwhile, the bank server 150 receives a payment withdrawal request including a check card payment full text from the check card payment server 140.

Thereafter, the bank server 150 withdraws the corresponding amount if the balance of the payment account is equal to or greater than the requested amount of the withdrawal based on the check card payment full text, and transmits a normal payment response message to the check card payment server 140. .

If the balance is insufficient, the bank server 150 transmits a payment rejection response message to the check card payment server 140.

In addition, the bank server 150 receives a payment payment request including a full check card payment cancellation from the check card payment server 140.

Thereafter, the bank server 150 deposits the requested amount in the corresponding payment account based on the check card payment cancellation full text, and transmits a normal deposit response message to the check card payment server 140.

2 is a block diagram showing the configuration of the call service control server 120 according to an embodiment of the present invention.

Call service control server 120 according to an embodiment of the present invention is the user terminal interlocking unit 121, the charging unit 122, call rate DB 123, payment gateway interlocking unit 124, call call processing unit 125 ), The call extension checker 126.

In detail, each component of the user terminal interworking unit 121 receives an incoming call number to call subscriber authentication information such as a card number, an expiration date, and a password of a check card from the user terminal 110.

Thereafter, the user terminal interworking unit 121 transmits subscriber authentication information to the payment gateway interworking unit 124 and the incoming telephone number to the billing unit 122, respectively.

In addition, the user terminal interworking unit 121 receives the selection information of the corresponding button from the user terminal 110 when the check card subscriber presses a specific button of the user terminal 110 in order to continue the call after the first prepayment. Transfer to section 122.

In this case, the user terminal interworking unit 121 may interwork with the user terminal 110 through the telephone network 160 for routing the call at the calling and destination sides.

On the other hand, the charging unit 122 receives the incoming telephone number from the user terminal linking unit 121. The billing unit 122 uses the called phone number received from the user terminal interworking unit 121 to determine that the corresponding phone number is an international phone number, a local phone number, a long distance phone number, a mobile phone number, or a special phone number (for example, 060 number, etc.), and the call rates corresponding to each call are retrieved from the call rate DB 123.

Thereafter, the charging unit 122 calculates a call charge for the call allowance time based on the retrieved call rate and the call allowance time, and transmits the calculated call charge to the payment gateway interworking unit 124.

In addition, the charging unit 122 receives the selection information of the specific button for extending the current call from the user terminal linking unit 121. Thereafter, the charging unit 122 calculates a call fee for the call allowance time based on the retrieved call rate and the call allowance time (same as the initial call allowance time), and transmits it to the payment gateway interworking unit 124.

In addition, when the call ends, the charging unit 122 calculates a fee for the talk time after the final prepayment, and calculates the difference of the calculated fee from the final prepaid amount.

For example, if a check card subscriber attempts to make an international call to country A using the check card calling service, the time allowed for a call is 5 minutes and the call rate for country A is 200 won per minute, It is assumed that the international telephone call fee is 1,000 won.

The check card subscriber made three upfront payments, including the first upfront, and spoke two minutes after the last upfront (ie, the total talk time was 12 minutes).

In this case, the billing unit 122 calculates the amount (400 won) for the two minutes of the time since the last prepayment, and deducted the amount of 600 won minus the call amount 400 won from the final prepayment amount of 1,000 won. It is calculated as the amount to be deposited back into the payment account.

Meanwhile, the call rate DB 123 stores call rate data for each call type. That is, each rate data is stored for international calls, local calls, long distance calls, mobile phones, and special calls (060, etc.).

In this case, rate data may be managed for each country in the case of international calls, and rate data may be managed for each region in the case of long distance calls.

Meanwhile, the payment gateway interworking unit 124 receives subscriber authentication information from the user terminal interworking unit 121, and receives call charge information from the charging unit 122.

In addition, the payment gateway interworking unit 124 interoperates with the payment gateway 130 to request the subscriber authentication and prepayment for the call charge calculated by the billing unit 122, and receives the processing result in response thereto.

On the other hand, when the call processing unit 125 receives the normal processing result for the prepaid request from the payment gateway interworking unit 124, the call call processing unit 125 connects the call with the incoming telephone number input by the check card subscriber.

On the other hand, if the call extension check unit 126 arrives at a predetermined time from the call permission time, the check card subscriber is requested to select whether to continue to talk to the user terminal 110 while in a call with the other party.

In this case, the predetermined time point may be a time obtained by subtracting a round trip time (RTT), which is a time required for a payment request and a response from the call allowance time, and a request for selecting whether to continue the call may use a beep sound.

For reference, the components illustrated in FIG. 2 according to an embodiment of the present invention mean software components or hardware components such as a field programmable gate array (FPGA) or an application specific integrated circuit (ASIC), and perform predetermined roles. .

However, 'components' are not meant to be limited to software or hardware, and each component may be configured to be in an addressable storage medium or may be configured to reproduce one or more processors.

Thus, as an example, a component may include components such as software components, object-oriented software components, class components, and task components, and processes, functions, properties, procedures, and subs. Routines, segments of program code, drivers, firmware, microcode, circuits, data, databases, data structures, tables, arrays, and variables.

Components and the functionality provided within those components may be combined into a smaller number of components or further separated into additional components.

3 is a flowchart illustrating a process of providing a call service using a check card according to an embodiment of the present invention.

Hereinafter, the flowchart shown in FIG. 3 will be described based on the call service control server 120.

The call service control server 120 receives an incoming telephone number to be called from the user terminal 110 with subscriber authentication information such as a card number, an expiration date, and a password of a check card (S301).

After step S301, the call service control server 120 retrieves the call rate corresponding to the incoming call number by using the received incoming phone number, and based on the retrieved call rate and the allowed time, the call rate for the allowed call time. To calculate (S302).

At this time, the call service control server 120 determines whether the corresponding incoming phone number is an international phone number, a local phone number, a long distance phone number, a mobile phone number, or a special phone number (for example, a 060 number) and responds to each of them. The call rate may be retrieved from the call rate DB 123.

After step S302, the call service control server 120 transmits the subscriber authentication information received in step S301 and the call charge information calculated in step S302 to the payment gateway 130 to request subscriber authentication and prepayment (S303).

Hereinafter, after step S303, the case in which subscriber authentication succeeds and a prepaid request is made will be described.

After the step S303, the call service control server 120 receives the result of the subscriber authentication and prepayment request from the payment gateway 130, and confirms the received result (S304).

As a result of the check, when the prepayment is normally processed, the call service control server 120 provides a call during the call permission time (S305).

If, as a result of step S304, the upfront payment is not normally processed, the call service control server 120 transmits a voice message or text message (if the user terminal is a mobile phone) informing the user terminal 110 (S306).

4A and 4B are flowcharts illustrating a process of providing a call service using a check card according to another embodiment of the present invention.

4A and 4B, the flow chart illustrated in FIGS. 4A and 4B will be described based on the call service control server 120. The check service subscriber is in a state of talking to the other party through one upfront through the process shown in FIG. 3.

The call service control server 120 provides a call with the called phone number to the user terminal 110 (S401).

After step S401, the call service control server 120 checks whether a predetermined time point comes from the call permission time (S402).

After the step S402, the call service control server 120 requests to select whether to continue the call to the user terminal 110 when a predetermined time from the call permission time arrives (S403).

Here, the predetermined time point may be a time minus a round trip time (RTT), which is a time required for a payment request and a response, from a call allowance time, and a request for selecting whether to continue the call may be used as a beep sound. have.

After step S403, the call service control server 120 receives and confirms selection information on whether to continue the current call from the user terminal 110 (S404).

As a result of the check, if the selected information extends the current call, the call service control server 120 requests a prepaid payment to the payment gateway 130 for a call allowance time (same as the first call allowance time) (S405).

After the step S405, the call service control server 120 receives the result of the prepayment re-request from the payment gateway 130, and checks whether the re-requested prepayment is normal processing (S406).

As a result of the check, if the prepaid request has been successfully processed, the call service control server 120 connects the call with the incoming telephone number for the call allowance time to the user terminal 110 (S407).

After step S407, the call service control server 120 repeats the processes of steps S402 to S406 until the check card subscriber terminates the call.

If, as a result of step S404, the check service subscriber no longer extends the current call, the call service control server 120 provides a call for the allowed call time and ends the call (S408).

In addition, as a result of step S406, when the re-requested prepayment is not normally processed, the call service control server 120 provides a call for the call allowance time and terminates the call.

After the step S407, when the check card subscriber terminates the call, the call service control server 120 calculates a fee for the talked time after the final prepaid, and calculates the difference of the calculated fee from the final prepaid amount. (S409)

After the step S409, the call service control server 120 requests the payment amount to cancel the payment to the payment gateway 130, and finally settles the charge corresponding to the actual call time (S410).

The call service using the check card has been described above. In the case of credit card calling services, unlike check cards, call charges are not deducted in real time from the payment account associated with the credit card. If you enter credit card information such as a number and press the called number, the process of prepaying the charge for the predetermined time allowed by the credit card and allowing the call only if the payment is successful before connecting the call with the called number The same procedure as that of the check card described above.

The foregoing description of the present invention is intended for illustration, and it will be understood by those skilled in the art that the present invention may be easily modified in other specific forms without changing the technical spirit or essential features of the present invention. will be.

It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive.

For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined form.

The scope of the present invention is shown by the following claims rather than the above description, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included in the scope of the present invention. do.

1 is a diagram illustrating a configuration of a system for providing a call service using a check card according to an embodiment of the present invention.

2 is a block diagram showing the configuration of a call service control server according to an embodiment of the present invention.

3 is a flowchart illustrating a process of providing a call service using a check card according to an embodiment of the present invention.

4A and 4B are flowcharts illustrating a process of providing a call service using a check card according to another embodiment of the present invention.

<Description of the code | symbol about the principal part of drawing>

121: user terminal interworking unit

122: billing

123: currency rate DB

124: payment gateway interlocking unit

125: call call processing unit

126: call extension check unit

Claims (10)

In the call service providing apparatus using a card, A billing unit for receiving card identification information and incoming information from a user terminal and calculating a unit call fee corresponding to a call allowance time; A payment gateway interworking unit for requesting a payment server for payment of the unit currency rate based on the card identification information; If the payment is normally processed, the call call processing unit for connecting the call between the user terminal and the called terminal associated with the called number during the call allowance time; Including, but the payment gateway interlocking unit requests the payment cancellation for the remaining amount of money except the fee corresponding to the actual call time from the payment processing fee, the call service providing apparatus using a card. The method of claim 1, And the charging unit retrieves a call rate based on the called number and calculates a fee for the predetermined call allowance time based on the retrieved call rate. The method of claim 1, And the card comprises at least one of a credit card and a check card. The method of claim 3, wherein If a predetermined time from the call allowed time arrives, the call extension checker requesting the user terminal to select whether to continue the call. Further comprising a call service providing apparatus using a card. The method of claim 3, wherein And the charging unit calculates an actual talk time based on the talk rate and calculates a fee corresponding to the calculated talk time when the call ends. The method of claim 5, The payment gateway interworking unit generates a card payment telegram for the prepayment or requests a subscriber authentication based on the card information. In the call service providing method using a card, (a) receiving card information and a called number from a user terminal, (b) retrieving a call rate based on the called number and calculating a charge corresponding to a predetermined call allowance time; (c) requesting a prepayment for the calculated fee based on the card information, (d) if the prepayment is processed normally, connecting a call with the called number during the call allowance time; (e) if a predetermined time from the call permission time arrives, requesting the user terminal to select whether to continue the call; (f) re-requesting a prepayment for a charge corresponding to the call allowance time, when the selection information on the continuous call is received from the user terminal; (g) if the re-paid prepayment is normally processed, further providing a call with the called number during the call allowance time. Including a call service providing method using a card. The method of claim 7, wherein (h) after the step (g), if the call ends, calculating an actual talk time based on the call rate; and (i) requesting a cancellation of payment for the remaining amount of the re-requested and prepaid fee except for the fee corresponding to the actual talk time; Further comprising, a call service providing method using a card. The method of claim 8, And the card comprises one or more of a credit card and a check card. The method of claim 9, In step (c), if the requested prepaid fee is available to be withdrawn from the balance of the payment account associated with the check card, the prepaid normal processing response is received, and the requested prepaid fee is associated with the check card. If it is impossible to withdraw from the balance of the, the prepayment can not receive response, the method of providing a call service using a card.

Images