KR20110101579A - Method for recarching and using a prepaid card by using acculated change - Google Patents

Abstract

After receiving the cash changes generated during off-line transactions without cash, a method of using the same is presented. The present invention can be used to charge the rechargeable prepaid card when using the accumulated change. When recharging the change accumulated in the rechargeable prepaid card, the first authentication is performed without requiring any personal information other than the mobile phone number and the subscription password, and randomized words are extracted from two or more word databases to create a sentence type password. Based on this, the user can perform charging after performing the second authentication.

Description

How to recharge your prepaid card using change credits {Method for recarching and using a prepaid card by using acculated change}

The present invention relates to a method of recharging and using a prepaid card through the accumulation of change, which enables the use of the accumulated change and charge the prepaid card using the change at the same time when generating a small cash transaction.

The present invention relates to a method for using this after accumulating the balance remaining in the commerce using cash offline in the earning server instead of cash.

The method of accumulating and using the online earning method without receiving cash change returned during off-line cash transactions has been disclosed in various prior patent applications.

In the online earning method of the change and the use of the reserves disclosed in Korean Unexamined Patent Publication No. 10-2009-0059348, the face value of the change and the phone number of the individual member to be accumulated are entered into the terminal of the store of the transaction instead of returning the change. It is disclosed that the transfer to the server, the earning server checks the transmitted phone number and face value, and additionally update the face value transferred to the reserves stored for each member DB.

In addition, in the case of using the accumulated change, a method of deducting from the accumulated change has been disclosed after confirming the use rights of individual members who have undergone electronic commerce in general electronic commerce.

The conventional method of earning and using change (or change), including the techniques described above, only superficially explains the theoretical description of earning and using change online.

That is, the conventional technology does not specifically describe how to verify the identity of the individual member when the change is accumulated or used in the change server, and does not recognize the problem of security.

In addition, the method of using the accumulated coins has been conventionally used only for online commerce such as mobile communication fees such as e-commerce or mobile phones.

This is because in the case of online commerce, the user checks the user's identity to some extent because the user makes a payment while logged in or logged on to an affiliated store, so personal authentication is more convenient than offline commerce.

Therefore, a safer method of accumulating change and using the method are required.

An object of the present invention is to propose a new prepaid card charging method that is immediately charged by using the coin accumulation to contribute to the expansion of the domestic utilization rate of prepaid means of payment is significantly lower than in Japan and Taiwan. In addition, another object of the present invention is to provide a method for accumulating and using change that can provide a more various method of using change.

In order to achieve the object of the present invention as described above, according to a feature of the present invention, the prepaid card charging method and use method using the change accumulation, register a rechargeable prepaid card sold in the offline store associated with the change accumulation service and A first step of receiving personal information of a user who purchased the rechargeable prepaid card and matching and storing the information of the sold rechargeable prepaid card; A second step of accumulating the change generated in the commerce at an affiliated offline store in the change earning server operating the change earning service; Responding to the user's request, the change accumulated in the change earning server is charged to the user's rechargeable prepaid card, the charge amount requested by the user, and by reducing the amount of the charge from the user's accumulated change to renew the accumulated change Third step; When the user requests payment or interpersonal remittance or donation with the rechargeable prepaid card, in response to the payment or remittance to the purchaser's account or affiliated merchant, the remittance or donation to the donor's account or change accumulation database, respectively And a fourth step of subtracting the amount of the payment / transfer / donation amount from the charge amount in the rechargeable prepaid card.

According to another feature of the invention, the prepaid card charging method and use method using the change earned, to use the change earning service to use after earning the change in the earning change server without receiving the change generated during offline commerce as a coin A first step of registering a user when subscribing to the change accumulation service; A second step of accumulating the change generated in the commerce at an affiliated offline store in the change earning server operating the change earning service; A third step of issuing a rechargeable prepaid card matched to the user in response to the user requesting to purchase the rechargeable prepaid card; Responding to the user's request, the change accumulated in the change earning server is charged to the user's rechargeable prepaid card, the charge amount requested by the user, and by reducing the amount of the charge from the user's accumulated change to renew the accumulated change Fourth step; And when the user requests payment or interpersonal remittance or donation with the rechargeable prepaid card, responsive to the purchase site or affiliated merchant in response to the payment or remittance account or change accumulation database of the remittee or the donation group or the donation accumulation database, respectively. And a fifth step of making a donation, and subtracting the amount of the payment / transfer / donation amount from the charge amount in the rechargeable prepaid card.

Preferably, the present invention comprises the steps of: extracting one word from each of two or more word databases and combining them to generate a sentence type one time password (OTP); SMS transmission of the generated sentence type OTP to the mobile phone terminal of the user; Comparing the sentence type OTP received from the user with the generated sentence type OTP to perform authentication of the user; And when the authentication is completed, processing the charging of the user's rechargeable prepaid card with the accumulated change, and renewing the accumulated change by reducing the amount of charge from the accumulated change of the user; It further includes.

According to another feature of the invention, the prepaid card charging method and use method using the change earned,

Reading the rechargeable prepaid card or inputting a user's mobile phone number to a coin earning kiosk connected to the change earning server; Reading user's member information based on the read prepaid card information or the input cellular phone number; Counting coins put into the coin earning kiosk and transferring the input amount to the change earning server; Receiving a charging method of the input coin selected from the user; According to the selected charging method, changing and accumulating the change by one or more of the method of outputting a gift certificate, charging the rechargeable prepaid card, the change in the change earning server; It further includes. The gift certificate may be any one of the change accumulation service merchant exclusive gift certificate, cultural gift certificate, book gift certificate, gasoline gift certificate, eating out gift certificate, department store or discount store gift certificate, or shoe gift certificate.

Prepaid card charging method and use method using the change credit according to the present invention, there is no risk of personal information leakage because there is no personal information or payment information input other than ID (or personal mobile number) / PW of the earning site, Secondary authentication can also prevent theft by others.

In addition, the prepaid card charging method and the method of using the credit change as described in the present invention can propose a new form of prepaid card charging method using the change earning can facilitate the growth of the C2C market by facilitating small payments between individuals. have.

In addition, in the prepaid card charging method and the method of using the accumulation of change according to the present invention, the electronic terms and conditions agreement method in the offline state, when the user to register or confirm the agreement of the terms and conditions on the existing offline, the user writes the document by hand and keeps it separately. There is an advantage that can solve the inconvenience and the user can quickly agree to the simple terms and conditions offline without accessing the online site.

1 is a schematic diagram of a change accumulation and use system according to the present invention.
2 is a flowchart illustrating a procedure of a method for accumulating change according to the present invention.
3 is a flow diagram schematically illustrating one embodiment of a method of using accumulated change.
4 is a schematic diagram illustrating sentence type password authentication.
5 is a flow chart schematically showing another embodiment of the method of using the accumulated change.
6 is a flowchart illustrating a method of cashing back accumulated credits as gift certificates or cash.
7 shows an example of introducing a rechargeable prepaid card in a new way to use the accumulated change.
8 illustrates a method of using a prepaid card when making an online payment using a prepaid card.
9 is a flow diagram illustrating another embodiment of purchasing and using a rechargeable prepaid card.
10 shows another example of a prepaid card charging method using change accumulation.

In order to fully understand the present invention, the advantages of the operability of the present invention, and the objects achieved by the practice of the present invention, reference should be made to the accompanying drawings which illustrate preferred embodiments of the present invention and the contents described in the accompanying drawings.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. Like reference numerals in the drawings denote like elements.

If you make a payment online, you do not make cash payments, and even if you make a transfer, change does not occur. In addition, even in offline transactions, even if the payment by credit card or debit card payment only because the correct amount does not occur change. However, when making a cash payment, change is quite common. In addition, if the amount of change is not large, or if the change includes less than 1,000 won, it will inevitably be returned as a coin. Coins are also inconvenient to carry when they are kept in your pocket, and also need to be counted and paid for in order to be used for payment in future commerce.

If you do not receive these changes (coins) as a coin and can be used in a separate earning server and can be used later, it is possible to prevent problems such as inconvenience or loss of carrying coins.

1 is a schematic diagram of a change accumulation and use system according to the present invention.

Referring to Figure 1, the change earning and using system according to the present invention, earning server 100, affiliated offline shop terminal 200, affiliated online site server 300, unmanned change in the donation box 400 and individual subscription members It consists of a terminal 500.

The earning server 100 manages the accumulated change, the member authentication and settlement processing when using the earned money (earned change), the affiliated offline store terminal 200 is affiliated shops subscribed to the change earning service of the present invention The terminal for earning change, payment, etc. This terminal can be used as a separate standalone terminal, can be used by installing a program on a PC or through a web connection. In addition, an existing credit card payment terminal may be used. The affiliate online site server 300 is a server of an online affiliate site using the change accumulation service of the present invention. Unmanned change donation box (400), if the user who receives the change and wants to donate immediately without earning the change, enter their mobile number, etc., put in the earning box to change the donation to the outside groups later offline Collecting unmanned earning box. Subscription member personal terminal 500 is generally a mobile phone is used to perform the function of receiving SMS texts sent from the earning server (100).

The earning server 100 is affiliated site and affiliated store information DB unit 101, member personal information DB unit 102, change amount DB unit 103, donation accumulation DB unit 104, personal information primary authentication unit (105) ), A sentence type OTP generation unit 106, a communication unit 107, a sentence type OTP authentication unit 108, a transaction encryption authentication unit 109, a random number authentication unit 110, and a settlement processing unit 111.

The affiliated site and affiliated store information DB unit 101 stores information of online / offline affiliated stores that have subscribed to the change service, and the member personal information DB unit 102 stores personal information of individual members. The change credit DB unit 103 stores the change information related to the change credits such as the change amount and the earned place for each individual member in the affiliated site and merchant information DB unit 101 and the member personal information DB unit 102, and the settlement processing unit According to the result of the processing in (111), the change amount of change is increased or decreased. Donation accumulation DB unit 104 when the user makes a donation request without specifying a specific donation group, and functions to transfer the donation of the reserves in the change reserve DB unit 103 to store. The personal information primary authentication unit 105 receives personal information such as an ID or a personal mobile phone number and a password from an offline store terminal 200 or an online site server 300 to perform personal authentication. The sentence type one time password (OTP) generating unit 106 generates a sentence type OTP by randomly extracting words from one or more word databases, for example, an adjective DB and a noun DB, and joins the member personal terminal 106. It is a function to transmit. The communication unit 107 is an affiliated offline store terminal 200, an affiliated online site server 300, an unmanned change donation storage box 400, a wired or wireless communication between the subscription member personal terminal 500 and the earning server 100, And it performs an SMS delivery instruction function through the mobile carrier. The sentence type OTP authenticator 108 compares the sentence type OTP generated by the user with the sentence type OTP and performs a second authentication of the member. The transaction password authentication unit 109 compares the transaction password generated by the sender with the transaction password entered by the payee when the user transfers the money between the individuals and performs a function of confirming receipt of the payment. The random number authentication unit 110 receives a number of a specific matrix from a random number table provided in advance to a user and performs a personal authentication based on this. The settlement processing unit 111 performs a function requested by the user after completing personal authentication, that is, a function of earning a balance, making a payment for money, remitting money, donating, etc., and transmitting the result to the corresponding terminal, the change reserve DB (103) or Function to deliver to the donation accumulation DB (104).

2 is a flowchart illustrating a procedure of a method for accumulating change according to the present invention.

Referring to Figure 2, the change earning method, first through the step of paying in cash (S201) when purchasing goods or services, such as offline. Then change (ie change) occurs due to cash payment (S202). At this time, if the change earning member is a product buyer, the buyer may request to change the change without receiving the change in cash (S203). In this case, the buyer presents his mobile phone number or earning card to the merchant to confirm that he is a member of the change earning service (S204). Then, the merchant enters the mobile phone number of the buyer who wants to change the change through the change earning terminal or transfers the information of the buyer and the change reserve using the earning card to the change earning server (S205). In this case, the change accumulation terminal may be a separate independent terminal or may use a previous card payment terminal or a terminal for checking a cash receipt. Then, the change earning server checks the transferred buyer's information, and if the earning member is authenticated, the change is accumulated for each DB of the authenticated member (S206).

When the change accumulation order according to the present invention in detail through an embodiment as follows. First, when a buyer pays 5,000 won for an item whose price is 4300 won, a change of 700 won is generated. If the buyer wants to accumulate the change of 700 won without returning the coin, he requests the seller to make the change. The seller requests a mobile phone number or a credit card to authenticate the buyer's change earning service membership, and transmits the change to the earning server through the card earning terminal together with the change amount to accumulate the mobile number or the credit card information. The earning server retrieves the transferred personal information from the member DB to verify whether the member is a member, and if authenticated as a member, accumulate the change in the member's earning DB. The result is then passed on to the seller. The seller delivers the change accumulation result to the buyer through a receipt.

At the same time, the buyer may apply for a cash receipt, and at the same time, the buyer may request a change of credit at the same time. In addition, the mobile phone number provided for membership verification can be used at the same time for cash receipts and change of credit, and the earning card for checking the membership of the change earning service may use a card issued separately for earning change, and receive cash receipts. You could use a cash receipt card or a regular credit card number issued by the IRS.

On the other hand, the seller needs to be a change earning affiliates affiliated with the change of the whole service, and the buyer also needs to register as a member to the change earning service. Of course, membership can also be registered via the Internet, or affiliated merchants can be registered through the terminal. On the other hand, by subscribing to the mobile phone number before signing up change service in the affiliated offline stores, you can make a change of credit and use the accumulated change by joining the earning server site in the future use. In this case, the affiliated offline store may provide a credit card or a barcode for earning credit for the user who first earns the change. Since such a member registration method can use a known technology, a detailed description thereof will be omitted.

3 is a flow diagram schematically illustrating one embodiment of a method of using accumulated change.

One embodiment of the method of using the accumulated change according to the present invention is applied to purchase a paid product using an ID, a password and a password transmitted by an SMS at an affiliate site.

In the embodiment of FIG. 3, the change earned through the change earning service can use the change change (ie, the accumulated balance) instead of credit card, bank transfer, or mobile phone payment when a product is purchased online at an affiliate site. Can be. The method of using the accumulated change is similar to the method of paying using points such as a credit card.

However, there is a difference that the second authentication is made through a sentence type password in the method of using the earned money according to the present invention.

Referring to FIG. 3, when a member subscriber of the change earning service makes a purchase of a product at an affiliate site of the change earning service, the earning money is selected as a payment method (S301). Affiliate site presents the buyer's ID and password input field for the first authentication, the buyer enters his change credit service ID and password (S302). In this case, the input ID may be a site ID required when subscribing to the change service, or may be a social security number or a mobile number. Then, the affiliated site transmits the personal information such as the ID and password entered to the change accumulation server and performs the first authentication of the registered member. When the first authentication is completed, the change accumulation server transmits the sentence type password to the mobile phone of the buyer (user) in the SMS form (S303). The buyer inputs the cipher text in the sentence form transmitted to the SMS in the sentence password input field of the affiliate site (S304). The change accumulation server receiving the input sentence type password performs the second authentication of the registered member based on this, and when the second authentication is completed, the settlement of the affiliated site is performed by subtracting the accumulated change (S305).

4 is a schematic diagram illustrating sentence type password authentication.

Sentence-type password is randomly extracted words from two or more word DBs within the OTP (One time password) generation section, then synthesizes the extracted words to create a sentence-type password, and sends the SMS to the mobile phone. It is a password type that authenticates mobile phone ownership by entering a sentence type password in.

The illustrated embodiment of FIG. 4 illustrates a method of generating a sentence type password, in which a sentence is made of two words to be settled for the purchase price of a product at an affiliate site.

First, when a user selects to earn a payment method when purchasing a product on an affiliate site, the affiliate site exemplifies the user's mobile phone number as an example of input of personal information in FIG. 4 for the user's first authentication. ID and social security number can also be used) and the password is input to the earning server and performs the first authentication. Then, when the first authentication is completed in the earning server, randomly extract words from the internal word DBs to generate a sentence type password. In the embodiment of Figure 4 has an adjective DB and noun DB in the earning server and randomly extracts one adjective and one noun from the two groups and generates a sentence of two words (for example, wide koala, bored chair, etc.), the user Send SMS to your phone. The user checks the SMS sent to his mobile phone, enters a sentence type password in the password input field, and the earning server receives the second authentication.

5 is a flow chart schematically showing another embodiment of the method of using the accumulated change.

5 illustrates a method of transferring a part of the accumulated change (change) to another member (third party) subscribed to the earning server. Referring to FIG. 5, after the user logs in to the change earning server for remittance (S501), the remittee information (refer to the receiver's mobile number in the embodiment of FIG. 6, but the recipient's information is the member ID of the payee). Etc. may be used), a remittance amount, and a transaction code written by the user himself (it may be a sentence type code such as 'bored chair', a single word such as 'koala' as shown in FIG. 5, or simply a combination of numbers). Remittance information, or the like (S502).

At this time, the transaction code created by the user can be delivered to the payee personally via SMS or telephone, or when the transfer server sends the remittance SMS to the payee mobile phone. And the earning server transmits the remittance details and transaction password, etc. to the recipient's mobile phone (S503).

The remittee then accesses the change earning site, enters personal information (your mobile number, social security number, etc.), authentication number, and transaction code (mutual transaction code) received from the remitter or the earning server. Complete (S504). In this case, the authentication number is an authentication number composed of a series of numbers generated by the change accumulation server from the recipient's mobile phone or by selecting a specific matrix number from the SMS random number table.

6 is a flowchart illustrating a method of cashing back accumulated credits as gift certificates or cash.

In another embodiment of the method of using the change earning method according to the present invention, if the amount accumulated in the change earning server is more than a predetermined amount (in the example of Figure 6 more than 10,000 won), the user vouchers in the offline store affiliated with the earning server Or you can get back the change you earned in cash.

Referring to FIG. 6, when the accumulated change becomes more than 10,000 won (S601), the user may request a cash back from an affiliated offline store (S602). The offline store then requests the cashback to the earning server by entering the personal information of the member in the terminal. The earning server then delivers the sentence type password or SMS random number to the user's mobile terminal. The user enters the authentication number selected from the letter-type password or random number sent from the earning server to the terminal through the received SMS. The earning server, which has received this, performs the second authentication of the earning server (S603), limits the corresponding amount from the allowance of the cash back and the accumulated change of the user, and then transfers the result to the terminal of the offline store. Then, the user receives a certain amount of change accumulated in the offline store as cash or gift certificate (S604).

For on-line authentication method through random number, Korean Patent Application No. It is described in detail in 10-2007-0024395 and a detailed description thereof will be omitted.

On the other hand, Figure 6 describes the transfer of the money between the individual, but the accumulated change can also be transferred by a method of donating to a specific group. For example, a user may log in to the earning server site and donate a certain amount to a group that wants to donate. Of course, if the user does not refer to a specific group and requests a certain amount of donation, the accumulated amount may be used as a donation reserve part of the earning server. Donations accumulated by the donation reserve department will be delivered to the group determined by the accumulation server.

In addition, after accumulating the change generated when the change occurs offline on the earning server, you can reveal the willingness to donate about the change occurred when the change occurs in the offline store without logging in to the earning site. Then, the affiliated offline store may make a donation by referring to a specific group through a terminal or directly to a donation storage unit in a donation server without selecting a specific group. In addition, the change can be donated through the unmanned coin storage box connected to the change earning server.

7 is a flow chart showing another embodiment of the method of using the change reserve according to the present invention.

7 shows an example of introducing a rechargeable prepaid card in a new way to use the accumulated change.

Referring to FIG. 7, first, a user who wants to use a change accumulation service purchases a rechargeable prepaid card associated with a change accumulation service (S701). Rechargeable prepaid cards can be purchased directly from offline stores, and users can purchase the prepaid cards for the first time after purchasing the prepaid change cards. Rechargeable prepaid card buyers can join the change earning service.

In one embodiment, the user purchases the rechargeable prepaid card offline and then checks the terms and conditions written on the back of the card and scratches the scratch to confirm the 'consent number' and agrees with the consent number and the buyer's social security number or social security number. Tap some (e.g., seven digits of the last digit) to complete the electronic terms agreement. At this time, the 'consent number' is a key value to confirm whether the agreement is agreed, and the user's social security number is electronically signed to have a legal agreement. On the other hand, when the user wishes to simultaneously change the credit and charge issuance using the card, you can enter a mobile phone number when agreeing to the electronic terms.

Alternatively, since a predetermined amount is already charged in the rechargeable prepaid card, when the user purchases the rechargeable prepaid card, the user may make a purchase payment through the prepaid card even before accumulating change within the purchased amount. For example, a rechargeable prepaid card may be distributed free of charge at a selling price of 0 won, and sold at a selling price of 10,000 won at a selling price of 10,000 won. If the amount already charged at the time of sale is 10,000 won, the user will be able to use the same method as other rechargeable prepaid cards within the limit of 10,000 won even before accumulating the change through use of the change earning service.

As described above, in the method of using the rechargeable prepaid card using the change earning method according to the present invention, the electronic terms and conditions agreeing method on offline can be stored separately by the administrator by writing a document by hand when the user registers or confirms the agreement on the existing offline. There is an advantage that can solve the inconvenience and the user can quickly agree to the simple terms and conditions offline without accessing the online site.

After purchasing the rechargeable prepaid card and joining the change earning service, the user may use the change earning and using service described in FIGS. 1 to 5. However, a user who purchases a rechargeable prepaid card will be able to accumulate change to the corresponding individual registered member by presenting the rechargeable prepaid card without providing separate personal information for personal authentication.

For example, as shown in FIG. 7, when a user later purchases a product offline, if a cash balance occurs during cash payment (S702), the user requests to earn a change instead of receiving the balance in cash. In step S703, a personal prepaid rechargeable prepaid card, that is, a prepaid rechargeable prepaid card associated with or affiliated with the change accumulation service, is presented (S704). The change earning server receives the prepaid card information read from the merchant to authenticate the member and accumulate the balance (S705).

On the other hand, the user can use the accumulated balance to charge the prepaid card (S707). At this time, the user can charge the prepaid card through the cashier at the affiliated merchant offline, and also charge the prepaid card through the login to the online site of the earning server. When charging a prepaid card at an offline store, the user presents the cashier with the amount of the prepaid card to be charged and the prepaid card to be charged, and the charging method tells the customer to charge from the accumulated balance. The clerk then reads the prepaid card through the terminal connected to the change earning server and enters the recharge amount. The change accumulation server receives the information of the prepaid card read at the request of the terminal, authenticates the subscription member, subtracts the amount of the prepaid card charge from the charged change amount of the subscription member (user), and adds the amount to the prepaid card usage amount. Appropriate In addition, the charging method is not limited thereto, and the prepaid card may be charged through a cash or a card presented by the user. In this case, the prepaid card may be charged in the usual way by cash or card payment without any deduction from the accumulated change.

Then, the user can use the prepaid card at the time of payment for the purchase of goods or for small transfers or donations between individuals (S706). If the amount of available charge decreases after the use of the prepaid card, the user can increase the amount available by recharging from the accumulated balance.

On the other hand, the change earning server randomly extracts one word from two or more word databases when the user charges the rechargeable prepaid card to generate a sentence-type password combining the same, and send it to the user's mobile phone SMS, the user or merchant The employee of the can check the sentence type password entered through the terminal to complete the authentication and charge the prepaid card.

On the other hand, the prepaid card can be used as a payment method for goods in offline stores, and can also be used for payment or remittance online.

8 illustrates a method of using a prepaid card when making an online payment using a prepaid card.

Referring to FIG. 8, when a product is purchased from an online site affiliated with a change earning service, the user selects the earned money payment as a payment method (S801). Then enter the personal ID (or mobile number) and password of the change accumulation site to perform personal authentication (S802). After the personal authentication is completed, the change accumulation server generates a sentence type password as described in FIGS. 3 to 4 and then sends an SMS to the user's mobile phone. Then, the user checks this, enters the sentence-type password received in the sentence-type password input field, and the change accumulation server receives the second authentication (S803). When the second authentication is completed, the change accumulation server calculates the amount of the prepaid card to pay the amount charged in the rechargeable prepaid card, and notifies the completion of payment to the online sales site (S804).

On the other hand, the rechargeable prepaid card according to the present invention can also be used for remittance transactions between individuals. The transfer method between individuals using the rechargeable prepaid card is the same as the transfer method shown in FIG. 5. However, in step S502, the user selects the charged prepaid card, not the accumulated change, the source of the remittance amount at the time of remittance information input, and in step S504, the change accumulation server calculates the charge of the remitter's rechargeable prepaid card and accumulates the recipient. The difference is that you add the amount of money to the balance.

It can also be used to donate a certain amount to a donation organization using the rechargeable prepaid card according to the present invention. At this time, the donor selects a donation amount as a prepaid rechargeable card, and the change accumulation server settles the donation in the donation accumulation database in the donation group or the change accumulation server selected by the donor, and reduces the donation in the donor's rechargeable prepaid card by the donation. .

On the other hand, the rechargeable prepaid card according to the present invention can be purchased and used in the online site of the change accumulation service, not the affiliated offline store.

9 is a flow diagram illustrating another embodiment of purchasing and using a rechargeable prepaid card.

Referring to FIG. 9, first, a user subscribes to a change earning service as a member (S901), and when a cash balance occurs when a product is paid in cash offline (S902), requests to change change (S903), a mobile phone number, etc. Personal authentication (S904). Then the change earning server accumulates the balance in the user's earning data through personal authentication (S904). Up to now, it is the same as the above-mentioned embodiment. Then, the user logs into the change accumulation site to purchase a rechargeable prepaid card (S906). The change earning server matches the rechargeable prepaid card with the information of the purchased user, and if the user has applied for the charged amount, the prepaid card is charged and delivered to the user.

The user can then use the prepaid card to pay for the purchase of the product or to make small transfers or donations between individuals (S908). When the available charge amount decreases after the use of the prepaid card, the user may increase the available amount by charging from the accumulated balance again (S907). The charging scheme is the same as described with reference to FIG. 7.

10 shows another example of a prepaid card charging method using change accumulation.

10 illustrates an example of using a change earning method using a coin earning kiosk. Referring to FIG. 10, a member (user) who subscribes to a coin earning service reads a prepaid charging card in a coin earning kiosk having a coin inlet or inputs his / her mobile number to input the member information into the kiosk (S101). . At this time, the kiosk is an offline coin depositing machine that connects to a coin earning service server, checks coins that are input offline, and delivers the amount to the coin earning service server.

Then, the coin earning kiosk receives and counts coins input by the user (S103). The user can collect the remaining balance of coins during the cash transaction and put them into the coin earning kiosk at the same time, or as soon as coins are generated, can be added to the coin earning kiosk.

The coin earning kiosk counts the amount of coins input and transfers the information to the coin earning server (S105). Then, the user selects a coin charging method in the coin earning kiosk (S107). The coin charging method includes a gift certificate output, prepaid card charging, change accumulation, etc., and may be selected by merging one or more of them. For example, if the coin entered is 35,200 won, 30,000 won can be output as a gift certificate, the rest can be prepaid card, or all the amount can be stored in the money earning server. The kiosk receives the information on the earning method selection and delivers it to the coin earning server. Then, in response to the coin earning server, to update the change amount of the user's change in the gift voucher output, prepaid card charging or change earning server of the selected amount in the kiosk (S109).

In this way, if you use a coin earning kiosk that puts coins collected offline, you can accumulate coins generated at the time of cash transactions at stores that do not join the coin earning service and the changes you normally collect at home. Since it can be used regardless of whether or not, from the user's point of view it is possible to expand the scope of commerce that can use the coin earning service to infinity.

In addition, in the case of using an offline coin earning kiosk, not only prepaid card earning and earning to the coin earning server, it is possible to immediately receive the necessary vouchers with coins that have been printed out as a gift voucher output can be used immediately exchanged.

At this time, the output gift voucher may be a change gift voucher dedicated merchant voucher, cultural vouchers, book vouchers, gas vouchers, dining out vouchers, department stores or discount store vouchers, shoe vouchers, etc. In addition, various vouchers may be output.

Small interpersonal payments (account transfers) with cell phone numbers are currently active in countries such as the United States, Southeast Asia, and Africa. However, in Korea, despite the strong power of the Internet due to the high fees of account repayment methods, which are difficult to propose reasonable fees for bank transfers and transfers between individuals, and the lack of easy recharging methods, payment is made between individuals other than bank transfer or bank account There was no service, and the open market where individuals like US eBay sell their products is not active.

Therefore, the Applicant recognizes the necessity of earning coins offline and suggests a method for easily earning offline so that they can easily fill an account that can be used for small money transfers. Allow it to be lowered to a reasonable level. The reason for this is that in the case of payment methods that have attempted to transfer money between individuals, the method of remitting an account to the other person after charging an account on the Internet through a credit card or bank transfer requires an accredited certificate, etc. Service activation failed. In addition, the method of charging an account through a book voucher or a small amount of mobile phone has failed to activate because the user has to charge a 6% to 9% + α fee because the payment service fee is 6% to 9%.

Online payment In addition, credit card or bank transfer requires too many payment information values including important personal information, and online payment of cultural gift certificates or prepaid cards only requires a unique number on the gift certificate or an ID after signing up on the gift certificate site. If you enter / PW only, payment is possible immediately, making it easy for others to steal.

However, there is no risk of personal information leakage because there is no personal information or payment information input other than the ID (or personal mobile number) / PW of the earning site, and the method of using the accumulated amount according to the present invention, the second authentication by sentence type password The roughness also has the effect of preventing theft by others.

In addition, there is no convenient method of use in the country and low fees online prepaid charging method. For example, prepaid charging by credit card or bank transfer is not easy to use due to the authorized authentication method, and mobile payments, gift certificates, convenience store cash, etc. are used to transfer prepaid charges at a high fee of 6% to 10%. It is inevitable that a high remittance fee will be imposed on (user). Since there is no service that enables online payment and payment between individuals after prepaid charging as described above, the prepaid card charging method using change earning as described in the present invention proposes a new form of prepaid card charging method using change earning and makes small payments between individuals. It can facilitate the growth of the C2C market.

In addition, in the method of using the rechargeable prepaid card using the accumulation of change according to the present invention, the electronic terms and conditions agreeing method on the offline is inconvenient for the user to write a document by hand when the member subscribes to the existing offline or confirms the agreement. There is a merit that users can quickly and easily agree to the terms and conditions offline without accessing the online site.

In addition, since the coin earning kiosk can be used with or without a coin earning service merchant, the user can expand the scope of commerce that can use the coin earning service indefinitely, and immediately bring it to the gift certificate output. You can get the vouchers you need with the coins that you had and exchange them for immediate use.

Although the present invention has been described with reference to one embodiment shown in the drawings, this is merely exemplary, and those skilled in the art will understand that various modifications and equivalent other embodiments are possible therefrom. . Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

100: Earn Server
101: affiliated site and merchant information DB section 102: member personal information DB section
103: DB change change 104: DB contribution donation
105: first personal information authentication unit 106: sentence type OTP generation unit
107: communication unit 108: sentence type OTP authentication unit
109: transaction password authentication unit 110: random number authentication unit
111: settlement processing unit 200: affiliated offline store terminal
300: Affiliate Online Site Server 400: Unmanned Changes Donated
500: Subscription member personal terminal

Claims (11)

Registering a rechargeable prepaid card sold at an offline store affiliated with a change accumulation service, receiving personal information of a user who purchased the rechargeable prepaid card, and matching and storing the information of the sold rechargeable prepaid card and the personal information; Stage 1;
A second step of accumulating the change generated in the commerce at an affiliated offline store in the change earning server operating the change earning service;
Responding to the user's request, the change accumulated in the change earning server is charged to the user's rechargeable prepaid card, the charge amount requested by the user, and by reducing the amount of the charge from the user's accumulated change to renew the accumulated change Third step; And
When the user requests payment or interpersonal remittance or donation with the rechargeable prepaid card, in response to the payment or remittance to the purchaser's account or affiliated merchant, the remittance or donation to the donor's account or change accumulation database, respectively The fourth step of subtracting the amount of payment / remittance / contribution from the charge amount from the rechargeable prepaid card
Prepaid card charging method and method using the change earned including. The method of claim 1,
In the first step, when the user presents and purchases a predetermined purchase amount when purchasing the rechargeable prepaid card, the change accumulation server is charged with the predetermined purchase amount in the rechargeable prepaid card and the prepaid card. Prepaid card charging method and method using the change earning, characterized in that registered. The method of claim 1,
The first step is,
The change earning server is a prepaid card charging method using the change earning credits, characterized in that to obtain the agreement electronic terms using the agreement whether the agreement value entered through the terminal of the merchant and the input number indicating the personal information of the user and How to use. The method of claim 3, wherein
The input number indicating the personal information of the user is a part of the user's social security number, prepaid card charging method and method using the change credit. The method and method of charging a prepaid card using change earning according to claim 4, wherein the confirmation key value is confirmed by scratching the scratch of the sold prepaid rechargeable card. The method of claim 1,
In the third step,
Extracting one word from each of two or more word databases and combining them to generate a sentence type one time password (OTP);
SMS transmission of the generated sentence type OTP to the mobile phone terminal of the user;
Comparing the sentence type OTP received from the user with the generated sentence type OTP to perform authentication of the user; And
When the authentication is completed, payment of the charge of the user's rechargeable prepaid card with the accumulated change, and reducing the amount of charge from the accumulated change of the user to update the accumulated change;
Prepaid card charging method and method using the change earning, characterized in that it comprises a. A first step of registering a user who wants to use a change earning service to use a change earning service after earning a change in offline commerce without receiving coins as a coin;
A second step of accumulating the change generated in the commerce at an affiliated offline store in the change earning server operating the change earning service;
A third step of issuing a rechargeable prepaid card matched to the user in response to the user requesting to purchase the rechargeable prepaid card;
Responding to the user's request, the change accumulated in the change earning server is charged to the user's rechargeable prepaid card, the charge amount requested by the user, and by reducing the amount of the charge from the user's accumulated change to renew the accumulated change Fourth step; And
When the user requests payment or interpersonal remittance or donation with the rechargeable prepaid card, in response to the payment or remittance to the purchaser's account or affiliated merchant, the remittance or donation to the donor's account or change accumulation database is credited to the donation group or the donation accumulation database respectively. A fifth step of subtracting the amount of the payment / transfer / donation amount from the charge amount in the rechargeable prepaid card;
Prepaid card charging method and method using the change earning, characterized in that it comprises a. The method of claim 7, wherein
The fourth step,
Extracting one word from each of two or more word databases and combining them to generate a sentence type one time password (OTP);
SMS transmission of the generated sentence type OTP to the mobile phone terminal of the user;
Comparing the sentence type OTP received from the user with the generated sentence type OTP to perform authentication of the user; And
When the authentication is completed, payment of the charge of the user's rechargeable prepaid card with the accumulated change, and reducing the amount of charge from the accumulated change of the user to update the accumulated change;
Prepaid card charging method and method using the change earning, characterized in that it comprises a. The method according to claim 1 or 7,
Counting coins put into the coin earning kiosk and transferring the input amount to the change earning server;
Receiving a charging method of the input coin selected from the user; And
According to the selected charging method, changing and accumulating the change by one or more of the method of outputting a gift certificate, charging the rechargeable prepaid card, the change in the change earning server;
Prepaid card charging method and method using the change earning, characterized in that it further comprises a. The method of claim 9,
Reading the rechargeable prepaid card or inputting a user's mobile phone number to a coin earning kiosk connected to the change earning server; And
Reading user's member information based on the read prepaid card information or the input cellular phone number;
Prepaid card charging method and method using the change earning, characterized in that it further comprises a. The method of claim 9,
The voucher is a method for using a prepaid card charging method using a change earning credit, characterized in that any one of the change crediting service merchant dedicated gift certificate, cultural gift certificate, book gift certificate, petrol gift certificate, dining out gift certificate, department store or discount store gift certificate, oral gift certificate. .

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