KR20160116537A - Charging method and charging system for prepayment card - Google Patents

Charging method and charging system for prepayment card Download PDF

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Publication number
KR20160116537A
KR20160116537A KR1020150044403A KR20150044403A KR20160116537A KR 20160116537 A KR20160116537 A KR 20160116537A KR 1020150044403 A KR1020150044403 A KR 1020150044403A KR 20150044403 A KR20150044403 A KR 20150044403A KR 20160116537 A KR20160116537 A KR 20160116537A
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South Korea
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prepaid card
external device
charging
information
request signal
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KR1020150044403A
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Korean (ko)
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KR101766670B1 (en
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이재훈
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(주)솔루션아이티
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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
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

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  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A prepaid card charging method and a prepaid card charging system are disclosed.
The prepaid card charging system includes an external device to which the prepaid card charging function is added, a management server, a banking server, and an account-linked terminal. The management server transmits, to the external device to which the charging request signal is inputted from the prepaid card, It is determined whether the administrator approval process is to be performed according to whether it is located in the authentication area previously authenticated by the preset administrator of the external device or whether the prepaid card is previously charged using the external device, do.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a prepaid card charging method and a prepaid card charging system,

The present invention relates to a prepaid card charging method and a prepaid card charging system, and more particularly, to a prepaid card charging method and a prepaid card charging system capable of charging a prepaid card using an arbitrary terminal in the vicinity.

Generally, prepaid cards are the most commonly used and frequently used cards, such as telephone cards, highway cards, or transportation cards, which can be pre-paid for a certain amount of cash and used within that amount.

However, since such a prepaid card can be used only when there is a balance, it is inconvenient to charge the card every time the balance is used up. Accordingly, various prepaid card charging methods have been proposed to solve such inconvenience.

In the existing prepaid card charging method, a prepaid card can be charged through a predetermined mother card when charging a prepaid card using an arbitrary terminal.

However, in the existing prepaid card charging method, when the prepaid card is charged through the preset parent card, a user authentication step or an administrator authentication step is required to confirm whether the person to charge the prepaid card is a predetermined user of the prepaid card . Accordingly, there are inconveniences to go through a user authentication step or an administrator authentication step in several steps in order to charge the prepaid card.

Accordingly, there is a need for a prepaid card charging system that allows a predetermined user of the prepaid card to conveniently charge the prepaid card without having to perform user authentication or administrator authentication using any terminal.

Korea Patent No. 0374801

In one aspect of the present invention, when an external device located in an authentication area, which is previously authenticated by an administrator of a prepaid card among all external devices capable of charging a prepaid card, attempts to charge the prepaid card through an external device previously charged with the prepaid card And a prepaid card charging method and a prepaid card charging system for charging the prepaid card when it is determined that the administrator approval of the prepaid card has already been performed.

According to an aspect of the present invention, there is provided a prepaid card charging method for charging a prepaid card using an external device and a management server to which a prepaid card charging function is added, the method comprising the steps of: , The information of the prepaid card and the information of the external device are received, it is checked whether the external device is an external device approved for charging the prepaid card by a predetermined manager of the prepaid card, The prepaid card is charged to the banking server so that the prepaid card can be charged by the banking server that charges the prepaid card through the virtual account associated with the prepaid card, Request signal and the information of the prepaid card, and the external device transmits the request signal If it is determined that the charging of the card is an unauthorized external device, the manager transmits information of the external device to the account association terminal provided so as to manage the account for charging the prepaid card, The charge request signal and the information of the prepaid card are transmitted to the banking server according to whether an approval signal is received to charge the prepaid card.

Wherein the checking whether the external device is an external device approved by the administrator for charging the prepaid card is performed by checking whether the external device is located in the authentication area which is an area previously authenticated by the manager, It is possible to check whether the external device is an external device approved for charging the prepaid card by the manager.

If it is determined that the external device is located within the authentication area, determining that the prepaid card using the external device has already been approved by the administrator, and transmitting the charge request signal and the information of the prepaid card to the banking server can do.

If it is determined that the external device is located in an area outside the authentication area, it is determined that approval of the administrator for charging using the external device is necessary, and the notification message including the information of the external device is transmitted to the account- And transmitting the charge request signal and the information of the prepaid card to the banking server when the approval signal is received from the account association terminal.

When an approval signal is received from the account association terminal, the external device is set as an authenticated external device, and if a charge request signal is received from the prepaid card at a later time, the charge request signal and the prepaid card And charging the prepaid card.

And if the approval signal is not received from the account-associated terminal, determining that the prepaid card is in a lost state and blocking use of the prepaid card for all the areas.

Wherein the checking whether the external device is an external device whose charge of the prepaid card is approved by the manager is performed by checking whether or not the prepaid card is charged for the first time by using the external device, Whether the charging of the prepaid card is an approved external device.

The checking whether the prepaid card is charged for the first time using the external device may include checking the external device ID information included in the information of the external device and charging the prepaid card by the prepaid card ID in the management server memory part The ID of the used external device is classified and compared with the stored ID data, the external device ID data corresponding to the ID of the prepaid card is searched in the ID data, and the external device ID information is included in the searched external device ID data Whether or not it is performed first.

If the external device ID data included in the searched external device ID data is included, it is determined that the prepaid card charging using the external device has been already approved by the manager, and the information of the charge request signal and the prepaid card is transmitted to the banking server Quot;

If the external device ID information is not included in the searched external device ID data, it is determined that the administrator needs to approve charging using the external device, and a notification message including information of the external device is transmitted to the account- And transmitting the charge request signal and the prepaid card information to the banking server when the approval signal is received from the account association terminal.

And controlling the ID information of the external device to be included in the searched external device ID data when an approval signal is received from the account association terminal.

And if the approval signal is not received from the account-linked terminal, judging that the prepaid card is in a lost state, blocking all the external devices from using the prepaid card.

The information of the external device includes positional information of the external device, ID information, and sales product information, and the information of the prepaid card includes ID information corresponding to the prepaid card and virtual account information linked to the prepaid card can do.

A prepaid card charging system according to an embodiment of the present invention includes a charging unit that can charge a prepaid card, receives information on the charging request signal and the prepaid card from the prepaid card through the charging unit, An external device that transmits information of the prepaid card and information of the external device to an external management server, and an external device that receives a charge request signal from the external device, and the external device pre- A management server for transmitting a charge request signal and information of the prepaid card to the banking server so as to charge the prepaid card according to whether the prepaid card is firstly charged using the external device, And a controller for receiving a charge request signal from the management server, And a banking server for fetching a charge amount from an account and transmitting a charge signal for an amount withdrawn from the virtual account to the external device so that the prepaid card can be charged through the external device to charge the prepaid card do.

When the external device is located in the authentication area, the management server determines that the prepaid card charging using the external device has been already approved by the manager, and transmits the charging request signal and the information of the prepaid card to the banking server If it is determined that the external device is located in an area outside the authentication area, it is determined that the administrator needs to approve the charging using the external device, and the information of the external device is stored in the account And transmits the charge request signal and the prepaid card information to the banking server when the approval signal is received from the account association terminal.

The management server receives the ID information from the external device, compares the ID data of the external device previously used for charging the prepaid card by the prepaid card ID and stores the ID data in the management server memory part, Retrieves the external device ID data corresponding to the ID of the prepaid card and, if the retrieved external device ID data includes the external device ID information, that the prepaid card charging using the external device has already been approved by the administrator And transmits the charge request signal and the information of the prepaid card to the banking server, and if the external device ID information is not included in the searched external device ID data, approval by the manager for charging using the external device is required And a notification message containing the information of the external device is sent to the manager by the prepaid card And transmits the charge request signal and the prepaid card information to the banking server when the approval signal is received from the account association terminal.

According to an aspect of the present invention, there is provided an apparatus for charging a prepaid card, the apparatus comprising: an external device located in an authentication area previously authenticated by an administrator of the prepaid card among all external devices capable of charging the prepaid card, With the device, you can charge the prepaid card directly without a separate approval step for the prepaid card.

If an attempt is made to charge the prepaid card through an external device other than the external device located in the authentication area previously authenticated by the administrator of the prepaid card among the external devices capable of charging the prepaid card or the external device previously charged with the prepaid card, It is possible to check whether or not the prepaid card is used by a predetermined user of the prepaid card through the manager approval step of the card, and it is possible to confirm whether or not the prepaid card is lost according to the result.

1 is a diagram illustrating a prepaid card charging system according to an embodiment of the present invention.
2A, 2B, 2C, and 2D are flowcharts of a prepaid card charging system for charging a prepaid card according to whether an external device is included in a preset authentication area.
FIGS. 3A, 3B, 3C, and 3D are flowcharts of a prepaid card charging system for charging a prepaid card according to whether charging using the external device is first attempted.
FIG. 4 is a control block diagram of an external device to which the prepaid card charging function shown in FIG. 1 is added.
5 is a control block diagram of the management server shown in FIG.
6A and 6B are diagrams for explaining a process of authenticating an external device by the external device authentication unit shown in FIG.
7 is a flowchart illustrating a control method of a management server for charging a prepaid card according to whether an external device is included in a preset authentication area according to an embodiment of the present invention.
8 is a flowchart illustrating a control method of a management server for charging a prepaid card according to whether charging using the external device is attempted for the first time according to an embodiment of the present invention.
FIG. 9 is a control block diagram of the banking server shown in FIG. 1. FIG.

The following detailed description of the invention refers to the accompanying drawings, which illustrate, by way of illustration, specific embodiments in which the invention may be practiced. These embodiments are described in sufficient detail to enable those skilled in the art to practice the invention. It should be understood that the various embodiments of the present invention are different, but need not be mutually exclusive. For example, certain features, structures, and characteristics described herein may be implemented in other embodiments without departing from the spirit and scope of the invention in connection with an embodiment. It is also to be understood that the position or arrangement of the individual components within each disclosed embodiment may be varied without departing from the spirit and scope of the invention. The following detailed description is, therefore, not to be taken in a limiting sense, and the scope of the present invention is to be limited only by the appended claims, along with the full scope of equivalents to which such claims are entitled, if properly explained. In the drawings, like reference numerals refer to the same or similar functions throughout the several views.

Hereinafter, preferred embodiments of the present invention will be described in more detail with reference to the drawings.

1 is a diagram illustrating a prepaid card charging system according to an embodiment of the present invention.

The prepaid card charging system 1 according to the embodiment of the present invention is capable of charging the prepaid card 10 without any special charging terminal installed in a specific area, So that the prepaid card 10 can be charged. At this time, any external device 100 in the vicinity may be an external device to which a prepaid card charging function is added to the external device 100, for example, a vending machine, a garbage collection device, an ATM device, etc. . For example, when the external device 100 is a vending machine, the external device 100 may be an external device having a payment function related to merchandise sales and a prepaid card charging function. The prepaid card charging system 1 is configured such that when the prepaid card 10 is charged using the external device 100 previously approved by the predetermined administrator of the prepaid card 10, The prepaid card 10 can be charged immediately. The prepaid card charging system 1 according to an embodiment of the present invention includes an external device 100 having a prepaid card charging function, a management server 200, a banking server 300, and an account- . ≪ / RTI >

The external device 100 according to an embodiment of the present invention may be an external device to which a prepaid card charging function is added to a general external device 100 as described above. The external device 100 can receive the charge request signal and the information of the prepaid card 10 from the prepaid card 10 when the prepaid card 10 is recognized through the charging unit provided in the external device 100. [ The external device 100 transmits the charge request signal, the prepaid card information, and the corresponding information to the external device 100 so that the external device 100 can charge the recognized prepaid card 10 according to whether or not the external device 100 has been approved by the predetermined administrator of the prepaid card 10. [ The information of the external device 100 can be transmitted to the management server 200.

When the charge request signal, the prepaid card information, and the information of the external device 100 are received from the external device 100, the management server 200 uses the received information of the external device 100 to determine whether the external device 100 It is possible to confirm whether the prepaid card 10 is the external device 100 approved by the predetermined administrator. The checking of whether the external device 100 is the external device 100 approved by the predetermined administrator of the prepaid card 10 using the information of the external device 100 may be performed by the external device 100, Prepaid card 10 in accordance with whether it is in the authentication area authenticated by a predetermined administrator of the prepaid card 10 or whether the external device 100 has been used for charging the prepaid card 10 previously ), ≪ / RTI > The management server 200 determines that the external device 100 has been approved by the predetermined administrator of the prepaid card 10 so that the prepaid card 10 can be charged immediately without the administrator approval process, Card information to the banking server 300. When the management server 200 determines that the external device 100 is unapproved by a predetermined administrator of the prepaid card 10, the management server 200 owns a predetermined administrator of the prepaid card 10, The notification message including the information of the external device 100 and the approval request message can be transmitted to the account association terminal 400 receiving the signal. The management server 200 can transmit the charging request signal and the prepaid card information to the banking server 300 when the approval signal is received from the account association terminal 400 in response to the transmitted notification message.

The banking server 300 can charge the prepaid card 10 using the received prepaid card information when the charging request signal and the prepaid card information are received from the management server 200. [ The banking server 300 can charge the prepaid card 10 by withdrawing the charging amount from the virtual account linked to the prepaid card 10. [ The banking server 300 according to another embodiment of the present invention checks whether the virtual account linked to the prepaid card 10 contains money for the amount of money to be charged, , The prepaid card 10 can be charged by withdrawing the amount of money from the pre-established parent account of the prepaid card 10 and depositing the amount of money into the virtual account, and extracting the amount of money from the virtual account in which the amount of money has been deposited from the parent account. The banking server 300 according to another embodiment of the present invention checks whether the virtual account associated with the prepaid card 10 contains money for the amount of money to be charged, The prepaid card 10 transmits a charging amount deposit request message to the account association terminal 400 owned and managed by the predetermined administrator of the prepaid card 10 and transmits the charging amount deposit request message to the prepaid card 10 Can be charged.

The account association terminal 400 may be an account terminal 400 connected to the terminal of the administrator predetermined for each prepaid card 10 and connected to the parent account or the virtual account so as to manage the account. The account association terminal 400 can receive the deposit request message from the banking server 300. [ The account association terminal 400 can output a deposit request message through an output unit provided in the account association terminal 400 so that the account association terminal 400 can notify the administrator of the deposit message when the deposit request message is received. The account association terminal 400 can receive the notification message including the information of the external device 100 and the approval request message from the management server 200. [ When the notification message is received, the account association terminal 400 can output a notification message through the output unit provided in the account association terminal 400. The account association terminal 400 can receive an approval signal in response to the notification message from the manager. When the approval signal is input by the administrator, the account association terminal 400 can transmit the approval signal to the management server 200.

The prepaid card charging system of the prepaid card charging system 1 according to an embodiment of the present invention is shown in FIGS. 2A, 2B, 2C and 2D and FIGS. 3A, 3B, 3C and 3D.

Referring to FIGS. 2A, 2B, 2C, and 2D, when the prepaid card 10 is recognized through the charging unit provided in the external device 100, the external device 100 receives the charging request signal and the prepaid card 10 from the prepaid card 10, (10) can be input. The external device 100 can transmit the input charging request signal, the prepaid card information, and the information of the external device 100 stored in the memory unit of the external device 100 to the management server 200. At this time, the prepaid card information includes ID information corresponding to the prepaid card 10, authentication area information authenticated by a predetermined administrator of the prepaid card 10, virtual account and parent account information linked to the prepaid card 10, And the external device 100 information may include location information of the external device 100, ID information, sales product information, and the like.

When the charge request signal, the prepaid card information, and the information of the external device 100 are received from the external device 100, the management server 200 uses the location information included in the received external device information, It is possible to check whether the device 100 is located in the authentication area previously authenticated by the predetermined administrator in the prepaid card 10. [ If it is determined that the external device 100 is located in the authentication area, the management server 200 transmits a charge request signal and prepaid card information to the banking server 300 so that the prepaid card 10 can be charged immediately without an administrator approval process Lt; / RTI >

The banking server 300 according to the embodiment of the present invention receives the charging request signal and the prepaid card 10 information from the management server 200, The charging amount can be withdrawn from the battery. The banking server 300 can transmit a charging signal for the withdrawn charging amount to the external device 100 so that the prepaid card 10 can be charged by the amount of money withdrawn from the virtual account.

The banking server 300 according to another embodiment of the present invention receives the charging request signal and the prepaid card 10 information from the management server 200 and transmits the virtual account It is possible to check whether or not the charge amount to be charged is included. If the prepaid card 10 can not be charged through the virtual account because the virtual account does not contain the amount of money to be charged, the banking server 300 may charge the prepaid card 10 from the pre- You can withdraw the amount. At this time, the parent account may be a real account of the user or manager of the prepaid card 10. [ The banking server 300 can deposit the amount withdrawn from the parent account into the virtual account linked to the prepaid card 10. [ The banking server 300 can fetch the charge amount from the virtual account in which the charge amount is deposited from the parent account. The banking server 300 can transmit a charging signal for the withdrawn charging amount to the external device 100 so that the prepaid card 10 can be charged by the amount of money withdrawn from the virtual account.

The banking server 300 according to another embodiment of the present invention receives the charging request signal and the prepaid card 10 information from the management server 200 and generates a virtual You can see if your account contains the amount of money you want to recharge. At this time, when the prepaid card 10 can not be charged through the virtual account because the virtual account does not include the amount of the charge to be charged, the prepaid card 10 is managed by the predetermined administrator of the prepaid card 10 The charging deposit request message can be transmitted to the account association terminal 400 owned and managed by a predetermined administrator of the prepaid card 10 so as to be charged. The banking server 300 can fetch the charging amount from the virtual account to which the charging amount has been transferred by the manager when the manager transmits the charging amount to the virtual account through the account link terminal 400 in response to the charging amount deposit request message have. The banking server 300 can transmit a charging signal for the withdrawn charging amount to the external device 100 so that the prepaid card 10 can be charged by the amount of money withdrawn from the virtual account.

Also, if it is determined that the external device 100 is located in an area deviated from the authentication area, the management server 200 may generate a notification message including information on the external device 100 and an approval request message as shown in FIG. 2d . The management server 200 may transmit an alert message generated by the administrator to receive the approval for charging the prepaid card 10 using the external device 100 to the account association terminal 400. [ The management server 200 can receive the approval signal inputted by the administrator from the account association terminal 400. [ 2B and 2C, when the approval signal is received from the account association terminal 400, the management server 200 notifies the prepaid card 10 of a virtual connection associated with the prepaid card 10 If the prepaid card is charged by withdrawing the amount of the charge from the account or if the virtual account has a charge amount equal to the amount to be charged, Deposit money into the virtual account, send a charge amount deposit request message to the account association terminal 400, and charge the prepaid card to the virtual account.

Referring to FIGS. 3A, 3B, 3C, and 3D, when the prepaid card 10 is recognized through the charging unit provided in the external device 100, the external device 100 receives a charging request signal and a corresponding prepaid card 10 from the prepaid card 10, (10) can be input. The external device 100 can transmit the input charging request signal, the prepaid card 10 information, and the information of the external device 100 to the management server 200.

When the management server 200 receives the charge request signal, the prepaid card 10 information and the information of the external device 100 from the external device 100, the management server 200 receives the information of the external device 100 ) ID information is included in the ID data stored in the management server 200 in advance. At this time, the ID data previously stored in the management server 200 may be ID data classified by storing the ID information of the external device 100 previously used for charging the prepaid card 10 for each prepaid card 10 ID . More specifically, the management server 200 compares the prepaid card 10 ID information included in the received prepaid card 10 information with the ID data and stores the prepaid card 10 ID information in the ID data The prepaid card 10 ID can be detected. The management server 200 can retrieve the ID data of the external device 100 classified according to the ID of the prepaid card 10 detected in the ID data. The management server 200 can confirm whether or not the received external device 100 information is included in the ID data of the searched external device 100. [ When the received external device 100 information is included in the ID data of the searched external device 100, the management server 200 transmits a charge request signal (not shown) to the prepaid card 10 And prepaid card (10) information to the banking server (300).

The banking server 300 according to the embodiment of the present invention receives the charging request signal and the prepaid card 10 information from the management server 200 and transmits the charging account information to the virtual account The charging amount can be withdrawn from the battery. The banking server 300 can transmit a charging signal for the withdrawn charging amount to the external device 100 so that the prepaid card 10 can be charged by the amount of money withdrawn from the virtual account.

The banking server 300 according to another embodiment of the present invention receives the charging request signal and the prepaid card 10 information from the management server 200 and transmits the charging request signal and the prepaid card 10 information to the virtual account It is possible to check whether or not the charge amount to be charged is included. If the prepaid card 10 can not be charged through the virtual account because the virtual account does not contain the amount of money to be charged, the banking server 300 may charge the prepaid card 10 from the pre- You can withdraw the amount. At this time, the parent account may be a real account of the user or manager of the prepaid card 10. [ The banking server 300 can deposit the amount withdrawn from the parent account into the virtual account linked to the prepaid card 10. [ The banking server 300 can fetch the charge amount from the virtual account in which the charge amount is deposited from the parent account. The banking server 300 can transmit a charging signal for the withdrawn charging amount to the external device 100 so that the prepaid card 10 can be charged by the amount of money withdrawn from the virtual account.

The banking server 300 according to another embodiment of the present invention receives the charging request signal and the prepaid card 10 information from the management server 200 and transmits the charging request signal and the prepaid card 10 information to the virtual server 10, You can see if your account contains the amount of money you want to recharge. At this time, when the prepaid card 10 can not be charged through the virtual account because the virtual account does not include the amount of the charge to be charged, the prepaid card 10 is managed by the predetermined administrator of the prepaid card 10 The charging deposit request message can be transmitted to the account association terminal 400 owned and managed by a predetermined administrator of the prepaid card 10 so as to be charged. The banking server 300 can fetch the charging amount from the virtual account to which the charging amount has been transferred by the manager when the manager transmits the charging amount to the virtual account through the account link terminal 400 in response to the charging amount deposit request message have. The banking server 300 can transmit a charging signal for the withdrawn charging amount to the external device 100 so that the prepaid card 10 can be charged by the amount of money withdrawn from the virtual account.

If the received external device 100 information is not included in the ID data of the searched external device 100, the management server 200 transmits a notification message including information of the external device 100 and an approval request message Lt; / RTI > The management server 200 may transmit an alert message generated by the administrator to receive the approval for charging the prepaid card 10 using the external device 100 to the account association terminal 400. [ The management server 200 can receive the approval signal inputted by the administrator from the account association terminal 400. [ 3B and 3C, when the approval signal is received from the account association terminal 400, the management server 200 acquires the virtual address of the prepaid card 10, which is associated with the prepaid card 10, If the prepaid card is charged by withdrawing the amount of the charge from the account or if the virtual account has a charge amount equal to the amount to be charged, Deposit money into the virtual account, send a charge amount deposit request message to the account association terminal 400, and charge the prepaid card to the virtual account.

FIG. 4 is a control block diagram of an external device to which the prepaid card charging function shown in FIG. 1 is added.

The external device 100 according to an embodiment of the present invention is an external device 100 having a function of charging the prepaid card 10 to a general external device 100 such as an automatic vending machine, a garbage collection device, an ATM device, The external device control unit 130, the output unit 140 and the external device memory unit 150 so that the prepaid card 10 can be charged. have.

The external device communication unit 110 can wirelessly communicate with the management server 200 and the banking server 300, which are external, to transmit and receive predetermined information. The external device communication unit 110 according to an embodiment of the present invention receives the charging request signal, the information of the recognized prepaid card 10, and the external information of the prepaid card 10 when the charging request signal is inputted from the prepaid card 10 recognized through the charging unit 120. [ It is possible to transmit information of the external device 100 stored in the device memory unit 150 to the management server 200. At this time, the prepaid card 10 information includes ID information corresponding to the prepaid card 10, authentication area information authenticated by a predetermined administrator of the prepaid card 10, a virtual account linked to the prepaid card 10, And the like, and the external device 100 information may include location information of the external device 100, ID information, sales product information, and the like. The external device communication unit 110 may wirelessly communicate with the banking server 300 to receive the charging signal from the banking server 300. [

The charging unit 120 can charge the prepaid card 10 recognized by the external device 100. [ For this, the charging unit 120 may include a prepaid card reader (not shown). The prepaid card 10 reader can read the IC chip provided in the prepaid card 10 or recognize the RFID tag provided on the prepaid card 10 when the card is inserted into the reader as shown in FIG. The charging unit 120 receives the prepaid card 10 information and the charging request signal stored in the prepaid card 10 from the prepaid card 10 when the prepaid card 10 is recognized through the reader of the prepaid card 10 have. When the prepaid card 10 is recognized for charging the prepaid card 10, the charging unit 120 transmits the received prepaid card 10 information and the charging request signal to the management server 200 through the external device communication unit 110 .

On the other hand, when the prepaid card 10 is recognized through the reader of the prepaid card 10, the charge request signal is transmitted to the prepaid card 10 through the charge button depression including the prepaid card 10 charge amount information provided in the external device 100 by the user of the prepaid card 10 Or when the user confirms that the prepaid card 10 has a smaller amount of money than the amount of the commodity to be purchased at the time of purchasing the commodity sold by the external device 100 by using the prepaid card 10, .

The charging unit 120 can charge the prepaid card 10 according to the charging charge information included in the charging signal of the charging unit 120 when the charging signal is received from the banking server 300. [ The charging unit 120 may output a charging completion guide message through the output unit 140 when charging of the prepaid card 10 is completed.

The external device control unit 130 can control the overall operation of the external device 100. [ The external device control unit 130 can control the operation of selling the sales product of the external device 100. [ The external device control unit 130 according to an exemplary embodiment of the present invention receives information on the prepaid card 10 on which the use blocking signal is received when the use blocking signal is received from the management server 200 for an arbitrary prepaid card 10 The prepaid card 10 is stored in the external device memory unit 150. When the prepaid card 10 receiving the use blocking signal is recognized, the prepaid card 10 is used to purchase the prepaid card 10, 10) can be blocked. The external device control unit 130 according to another embodiment of the present invention can control to output a guide message or a guide image when purchasing a product and charging the prepaid card 10 when a display or a speaker is provided in the external device 100 have.

The output unit 140 may output a guide message or a guide image when purchasing a product and charging the prepaid card 10 using the recognized prepaid card 10, and may include a display or a speaker for this purpose.

The external device memory unit 150 may store a program for processing and controlling the external device control unit 130, and may perform a function for temporarily storing input / output data. The external device memory unit 150 may store information of the external device 100 according to an embodiment of the present invention. At this time, the external device 100 information may include location information of the external device 100, ID information, sales product information, and the like. In addition, the external device memory unit 150 may store the information of the prepaid card 10 which is received from the management server 200 and whose use is interrupted.

FIG. 5 is a control block diagram of the management server shown in FIG. 1, and FIGS. 6A and 6B are views illustrating a process of authenticating an external device by the external device authentication unit shown in FIG.

5, the management server 200 according to an exemplary embodiment of the present invention determines whether the external device 100 used for charging is an external device 100 approved by a predetermined administrator of the prepaid card 10 And may include a management server communication unit 210, a management server control unit 220, and a management server memory unit 230 for charging the prepaid card 10.

The management server communication unit 210 may wirelessly communicate with the external device 100 to receive the charge request signal, the prepaid card 10 information and the external device 100 information. When the management server control unit 220 determines that the use is blocked The information of the prepaid card 10 to the external device 100 can be transmitted. The management server communication unit 210 can wirelessly communicate with the external banking server 300 to charge the prepaid card 10 depending on whether the external device 100 used for charging is the approved external device 100 And when the management server control unit 220 confirms that the external device 100 is approved, it can transmit the charge request signal and the prepaid card 10 information received from the external device 100 to the banking server 300.

The management server control unit 220 can control the overall operation of the management server 200. [ The management server control unit 220 can check whether the external device 100 used for charging is the approved external device 100 and whether the external device 100 used for charging is not the authorized external device 100 It is possible to generate a notification message including a charge approval request message of the prepaid card 10 using the external device 100 so as to be approved by a predetermined administrator of the prepaid card 10. [ For this, the management server control unit 220 may include an external device authentication unit 221 and a notification message generation unit 222.

The external device authentication unit 221 can confirm whether the external device 100 that has transmitted the charge request signal is the external device 100 that has been previously approved by the predetermined administrator of the prepaid card 10. [

In detail, the external device authentication unit 221 according to an embodiment of the present invention may be configured such that the external device 100 that has transmitted the charging request signal transmits the charging request signal to the external device 100 previously approved by the predetermined administrator of the prepaid card 10, The external device 100 that has transmitted the charge request signal using the location information of the external device 100 included in the information of the received external device 100 is authenticated in advance by the administrator It can be confirmed whether or not it is located within the area. Here, the authentication area may refer to an area corresponding to a path that the prepaid card 10 user normally travels to, or a path previously set by the administrator, as shown in FIG. 6A. For example, referring to FIG. 6A, the authentication area means an area in the path shown in FIG. 6A. Therefore, the external devices a, b, and c may be the external devices 100 that have been approved in advance, f may be an unauthorized external device (100). In addition, the authentication area may mean an area within a predetermined radius preset by the administrator from a specific position predetermined by the manager, as shown in Fig. 6B. For example, referring to FIG. 6B, the authentication area means an area within a predetermined radius shown in FIG. 6B. Therefore, the external devices a, b, and c may be an external device 100 that has been approved in advance, f may be an unauthorized external device (100).

If the external device authentication unit 221 determines that the external device 100 transmitting the charge request signal is located within the authentication area, the external device 100 determines that the prepaid card 10 charging operation has already been approved by the administrator can do. The external device authentication unit 221 transmits a charge request signal and the prepaid card 10 information received from the external device 100 to the banking server 300 ).

The external device authentication unit 221 can determine that the external device 100 is not authorized by the administrator if it is determined that the external device 100 that transmitted the charge request signal is located in an area outside the authentication area. The external device authentication unit 221 may transmit a notification message generation signal to the notification message generation unit 222 in order to receive approval from the predetermined administrator of the prepaid card 10 for charging using the external device 100. [ The external device authentication unit 221 manages and is owned by a predetermined administrator of the prepaid card 10 via the management server communication unit 210 and receives the notification message generated by the notification message generation unit 222 from the administrator To the account association terminal 400 capable of receiving a signal. The external device authentication unit 221 transmits a charge request signal and the prepaid card 10 information received from the external device 100 to the banking server 300 when an approval signal is received in response to the notification message from the account association terminal 400 Lt; / RTI >

On the other hand, when the approval signal is received from the account association terminal 400 in response to the notification message, the external device authentication unit 221 transmits the external device 100 to the external device 100 previously authenticated by the administrator separately from the authentication area The prepaid card 10 can be charged to the prepaid card 10 without charging a predetermined administrator of the prepaid card 10 when the prepaid card 10 is charged by using the external device 100. [ The charging request signal and the prepaid card 10 information can be transmitted to the banking server 300 without a notification message transmission and an approval signal reception process.

If the approval signal is not received from the account association terminal 400 within a predetermined time after the notification message is transmitted to the account association terminal 400, the external device authentication unit 221 may determine that the prepaid card 10 is used by the user , It is judged that the card is used by another person, and the use of the prepaid card 10 is blocked by the external device 100 in all areas managed by the management server 200 regardless of the authentication area . At this time, the external device authentication unit 221 can group and transmit the information on the prepaid card 10 and the use blocking signal to all the external devices 100 managed by the management server 200 through the management server communication unit 210 have.

The external device authentication unit 221 according to another embodiment of the present invention determines whether the external device 100 that transmitted the charging request signal is the external device 100 that has been previously approved by the predetermined administrator of the prepaid card 10 It is possible to confirm whether the external device 100 which transmitted the charging request signal has been used for charging the prepaid card 10 before. More specifically, the external device authentication unit 221 determines whether the external device 100 that has transmitted the charge request signal has been previously used to charge the prepaid card 10, The prepaid card 10 information and the ID data stored in the management server memory unit 230 can be compared with each other. At this time, the ID data stored in the management server memory unit 230 may mean the data stored by classifying the ID of the external device 100 previously used for charging the prepaid card 10 by the prepaid card 10 ID . The external device authentication unit 221 first compares the ID data of the prepaid card 10 included in the prepaid card 10 information received from the external device 100 with the ID data and compares the ID data with the prepaid card 10 ID It is possible to retrieve the external device ID data corresponding to the information. The external device authentication unit 221 compares the searched external device ID data with the external device ID information included in the information of the external device 100 received from the external device 100 and stores the external device ID information in the searched external device ID data Can be included.

When the external device ID information includes the external device ID information, the external device authentication unit 221 determines that the external device 100 has previously used the external device 100 to charge the prepaid card 10 The external device 100 can determine that the prepaid card 10 charging operation has already been approved by the predetermined administrator of the prepaid card 10. The external device authentication unit 221 may transmit the charging request signal and the prepaid card 10 information received from the external device 100 to the banking server 300 when the external device ID information is included in the searched external device ID data .

If the external device ID information is not included in the searched external device ID data, the external device authentication unit 221 may not use the external device 100 to charge the prepaid card 10 using the external device 100 It can be determined that the external device 100 has not been approved by the administrator. The external device authentication unit 221 may transmit a notification message generation signal including an approval request message to the notification message generation unit 222 in order to receive approval from the administrator for charging using the external device 100. [ The external device authentication unit 221 manages and is owned by a predetermined administrator of the prepaid card 10 via the management server communication unit 210 and receives the notification message generated by the notification message generation unit 222 from the administrator To the account association terminal 400 capable of receiving a signal. The external device authentication unit 221 transmits a charge request signal and the prepaid card 10 information received from the external device 100 to the banking server 300 when an approval signal is received in response to the notification message from the account association terminal 400 Lt; / RTI >

On the other hand, when the approval signal is received from the account association terminal 400 in response to the notification message, the external device authentication unit 221 transmits the ID information of the external device 100 to the external device 100 corresponding to the prepaid card 10 ID information It is possible to control the ID information of the external device 100 to be stored in the external device ID data corresponding to the ID information of the prepaid card 10 so as to be included in the ID data.

If the approval signal is not received from the account association terminal 400 within a predetermined time after the notification message is transmitted to the account association terminal 400, the external device authentication unit 221 may determine that the prepaid card 10 is used by the user The use of the prepaid card 10 can be blocked by all the external devices 100 managed by the management server 200 by determining that the card is used by another person, that is, in a lost state. At this time, the external device authentication unit 221 can group and transmit the information on the prepaid card 10 and the use blocking signal to all the external devices 100 managed by the management server 200 through the management server communication unit 210 have.

The notification message generation unit 222 generates a notification message by confirming that the external device 100 transmitting the charge request signal by the external device authentication unit 221 is located in an area deviated from the authentication area, If it is determined that the external device ID data found in the external device ID data is not included in the external device ID data retrieved from the external device 100, It is possible to generate a notification message to be transmitted. At this time, the notification message may include information of the external device 100 and an approval request message.

The management server memory unit 230 may store a program for processing and control of the management server control unit 220 and may perform a function for temporarily storing input / output data. The management server memory unit 230 according to the embodiment of the present invention can store the ID data classified by the ID of the external device previously used for charging the prepaid card 10 by the prepaid card 10 ID.

Hereinafter, a control method of the management server for charging the prepaid card according to whether the external device 100 is located within the preset authentication area according to an embodiment of the present invention will be described with reference to FIG.

First, the charging request signal from the external device 100, the information of the prepaid card 10 recognized by the external device 100, and the information of the external device 100 are received (510).

It is determined whether the external device 100 is located in the authentication area authenticated by the administrator to check whether the external device 100 is authorized to charge the prepaid card 10 by the administrator (520).

At this time, if it is determined that the external device 100 is located in an area outside the authentication area authenticated by the administrator, it is determined that the charge of the prepaid card 10 is unapproved by the administrator for the external device 100 In order to approve the charging of the prepaid card 10 using the external device 100 from the administrator, a notification message including information of the external device 100 and an approval request message is generated 530, To the link terminal 400 (540).

After the notification message is transmitted 540 to the account association terminal 400, it is checked whether an approval signal is received in response to the notification message from the account association terminal 400 (550).

At this time, if an approval signal is received from the account association terminal 400, the charging request signal and the prepaid card 10 information are transmitted to the banking server 300 (560).

If the approval signal is not received from the account association terminal 400, it is determined that the prepaid card 10 is not used by the user but is used by another person, that is, is in a lost state, The use of the card 10 is blocked (570).

On the other hand, if it is determined that the external device 100 is located in the authentication area authenticated by the administrator, it is determined that the charge of the prepaid card 10 has already been approved by the administrator for the external device 100, The charging request signal and the prepaid card 10 information are transmitted to the banking server 300 in step 560 so that the prepaid card 10 can be charged immediately.

Hereinafter, a control method of the management server for charging the prepaid card according to whether the charging using the external device 100 is attempted for the first time according to another embodiment of the present invention will be described with reference to FIG.

The management server 200 according to another embodiment of the present invention determines that the external device 100 has already been approved by the administrator when charging the previous prepaid card 10 when the external device 100 has been used for charging the prepaid card 10 .

The management server 200 receives a charge request signal from the external device 100 and information on the prepaid card 10 recognized by the external device 100 and information on the external device 100 in operation 510 .

The ID information of the external device 100 is stored in the management server memory unit 230 in order to check whether the external device 100 has been previously used for charging the prepaid card 10, (620) whether the external device ID data is included in the external device ID data corresponding to the ID of the external device (100).

The ID data stored in the management server memory unit 230 may refer to the stored data of the ID of the external device 100 previously used for charging the prepaid card 10 by the prepaid card 10 ID .

If the ID information of the external device 100 is not included in the external device ID data corresponding to the ID of the external device 100, (630) a notification message including information of the external device 100 and an approval request message to approve charging of the prepaid card 10 using the external device 100 from the manager, And transmits a notification message to the account association terminal 400 (640).

After the notification message is transmitted 640 to the account association terminal 400, it is checked whether an approval signal is received in response to the notification message from the account association terminal 400 (650).

At this time, when the approval signal is received from the account association terminal 400, the charging request signal and the prepaid card 10 information are transmitted to the banking server 300 (660).

If the approval signal is not received from the account association terminal 400, it is determined that the prepaid card 10 is not used by the user but is used by another person, that is, The use of the prepaid card 10 is blocked (step 670).

On the other hand, if the ID information of the external device 100 is included in the external device ID data corresponding to the ID of the external device 100, the external device 100 is notified to the predetermined administrator of the corresponding prepaid card 10 It is determined that the charging of the prepaid card 10 has been approved and the charging request signal and the prepaid card 10 information are transmitted to the banking server 300 so that the prepaid card 10 can be charged immediately without an administrator approval process (660).

FIG. 9 is a control block diagram of the banking server shown in FIG. 1. FIG.

The banking server 300 according to an embodiment of the present invention can charge the prepaid card 10 when receiving the charging request signal and the prepaid card 10 information from the management server 200. [ For this purpose, the banking server 300 may include a banking server communication unit 310, a banking server control unit 320, and a banking server memory unit 330.

The banking server communication unit 310 may wirelessly communicate with the management server 200 to receive the charge request signal and the prepaid card 10 information from the management server 200 and the banking server communication unit 310 may control the prepaid card 10 ) When the charging is completed, the charging completion signal can be transmitted to the management server 200. The banking server communication unit 310 may wirelessly communicate with the external device 100 and may transmit a charge signal controlled by the banking server control unit 320 to the external device 100. [

The banking server control unit 320 can charge the prepaid card 10 when the charging request signal and the prepaid card 10 information are received from the management server 200 through the banking server communication unit 310. [ For this, the banking server control unit 320 may include a charging amount withdrawal control unit 321, a deposit message generation unit 322, and a virtual account charging unit 323.

The banking server control unit 320 according to an embodiment of the present invention can charge the prepaid card 10 through a virtual account linked to the prepaid card 10. [ Accordingly, the charging amount withdrawal control unit 321 can withdraw the charging amount from the virtual account in order to charge the prepaid card 10 through the virtual account. The charging amount withdrawal control unit 321 can transmit a charging signal for the withdrawn charging amount to the external device 100 so that the prepaid card 10 can be charged by the amount of the withdrawal from the virtual account.

On the other hand, the charge amount may be the amount received from the user through the external device 100, or may be predetermined by the administrator, and may be an amount that the user requires or is insufficient to purchase the product in the external device 100 .

The banking server control unit 320 according to another embodiment of the present invention can check whether the virtual account associated with the prepaid card 10 contains a charging amount to be charged. If the prepaid card 10 can not be charged through the virtual account because the virtual account does not include the amount of money to be charged, the charging amount withdrawal control unit 321 sets the prepaid card 10 to the pre- The charging amount can be withdrawn from the battery. At this time, the parent account may be a real account of the user or manager of the prepaid card 10. [ The charged amount withdrawal control unit 321 can deposit the withdrawn amount from the parent account into the virtual account linked to the prepaid card 10. [ The charging amount withdrawal control unit 321 can withdraw the charging amount from the virtual account in which the charging amount is deposited from the mother's account. The charging amount withdrawal control unit 321 can transmit the charging signal for the withdrawn charging amount to the external device 100 so that the prepaid card 10 can be charged by the amount of the withdrawal from the virtual account.

Meanwhile, the charging amount withdrawal control unit 321 may perform a security process to withdraw the charge amount from the parent account, and the security process transmits a password input request signal to the external device 100 through the management server 200, A predetermined password may be inputted or a password input request signal may be transmitted to the account association terminal 400 to receive a predetermined password from the administrator. It is needless to say that the security process can be applied to other schemes as long as the user or the administrator can receive the authentication for withdrawing the recharge amount from the out-of-home ultrasound system. In addition, the charge amount to be withdrawn from the parent account may be predetermined by the administrator, and may be the amount that the user needs to purchase the product in the external device 100. [ On the other hand, the parent account may be a real account of the user of the prepaid card 10 or manager, and the parent account information may be included in the prepaid card 10 information received from the management server 200. [

The banking server control unit 320 according to another embodiment of the present invention can check whether the virtual account associated with the prepaid card 10 contains a charging amount to be charged. If the prepaid card 10 can not be charged through the virtual account because the virtual account does not include the amount of money to be charged, the deposit message generator 322 generates a deposit message The prepaid card 10 can generate a charge amount deposit request message including a deposit request message to the virtual account by a predetermined administrator of the prepaid card 10 so that the prepaid card 10 can be charged. The deposit message generator 322 can transmit the generated charge deposit request message to the account association terminal 400 owned and managed by a predetermined administrator of the prepaid card 10. In response to the charge amount deposit request message, the charge amount withdrawal control unit 321 fetches the charge amount from the virtual account to which the charge is transferred by the manager when the manager transfers the charge amount to the virtual account through the account link terminal 400 can do. The charging amount withdrawal control unit 321 can transmit the charging signal for the withdrawn charging amount to the external device 100 so that the prepaid card 10 can be charged by the amount of the withdrawal from the virtual account.

The technique of charging the prepaid card through an external device, a management server, a banking server, and an account-linked terminal having the prepaid card charging function may be implemented in an application or in the form of program instructions that can be executed through various computer components And can be recorded on a computer-readable recording medium. The computer-readable recording medium may include program commands, data files, data structures, and the like, alone or in combination.

The program instructions recorded on the computer-readable recording medium may be ones that are specially designed and configured for the present invention and are known and available to those skilled in the art of computer software.

Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD-ROMs and DVDs, magneto-optical media such as floptical disks, media, and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and the like.

Examples of program instructions include machine language code such as those generated by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like. The hardware device may be configured to operate as one or more software modules for performing the processing according to the present invention, and vice versa.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it will be understood by those skilled in the art that various changes and modifications may be made therein without departing from the spirit and scope of the invention as defined in the appended claims. It will be possible.

1: Prepaid card charging system
100: External device
200: management server
300: Banking server
400: Account link terminal

Claims (16)

A prepaid card charging method for charging a prepaid card using an external device and a management server to which a prepaid card charging function is added,
Wherein the management server receives the charging request signal for the prepaid card, the information of the prepaid card, and the information of the external device from the external device, the external device performs charging of the prepaid card by a predetermined manager of the prepaid card Confirm whether it is an authorized external device,
If it is determined by the administrator that the external device is an external device approved for charging the prepaid card, the prepaid card can be charged by the banking server that charges the prepaid card through a virtual account linked to the prepaid card And transmits the charging request signal and information of the prepaid card to the banking server. The method according to claim 1,
Wherein said checking whether said external device is an external device approved by said manager for charging said prepaid card comprises:
A prepaid card charging step of confirming whether the external device is located in an authentication area which is an area previously authenticated by the manager and checking whether the external device is an external device approved by the manager for charging the prepaid card, Way. 3. The method of claim 2,
If it is determined that the external device is located within the authentication area, determining that the prepaid card using the external device has already been approved by the administrator, and transmitting the charge request signal and the information of the prepaid card to the banking server How to charge prepaid card. 3. The method of claim 2,
If it is determined that the external device is located in an area outside the authentication area, it is determined that approval of the administrator for charging using the external device is necessary, and the notification message containing the information of the external device is received by the administrator Further comprising transmitting the charge request signal and the information of the prepaid card to the banking server when the approval signal is received from the account association terminal, . 5. The method of claim 4,
When an approval signal is received from the account association terminal, the external device is set as an authenticated external device, and if a charge request signal is received from the prepaid card at a later time, the charge request signal and the prepaid card And charging the prepaid card to the prepaid card. 5. The method of claim 4,
Further comprising, if an approval signal is not received from the account-associated terminal, judging that the prepaid card is in a lost state, and blocking use of the prepaid card for all areas. The method according to claim 1,
Wherein said checking whether said external device is an external device approved by said manager for charging said prepaid card comprises:
Wherein the external device is used to check whether the prepaid card is charged for the first time, and whether the prepaid card is authorized to be charged by the manager according to a result of the checking. 8. The method of claim 7,
Wherein the step of determining whether the prepaid card is charged for the first time using the external device comprises:
The external device ID information included in the information of the external device and the ID data of the external device previously used for charging the prepaid card by the prepaid card ID are classified and stored, Retrieving the external device ID data corresponding to the ID of the prepaid card and confirming whether or not the external device ID data is initially executed according to whether the retrieved external device ID data includes the external device ID information. 9. The method of claim 8,
If the external device ID data included in the searched external device ID data is included, it is determined that the prepaid card charging using the external device has been already approved by the manager, and the information of the charge request signal and the prepaid card is transmitted to the banking server Further comprising a prepaid card charging method. 9. The method of claim 8,
If the external device ID information is not included in the searched external device ID data, it is determined that approval of the administrator for charging using the external device is necessary, and the notification message including the information of the external device is transmitted to the prepaid card And transmitting the charge request signal and the information of the prepaid card to the banking server when the approval signal is received from the account association terminal, Way. 11. The method of claim 10,
And controlling the ID information of the external device to be included in the searched external device ID data when an approval signal is received from the account association terminal. 11. The method of claim 10,
Further comprising, if an approval signal is not received from the account-linked terminal, judging that the prepaid card is in a lost state, and blocking use of the prepaid card for all external devices. The method according to claim 1,
The information on the external device includes location information of the external device, ID information, and sales product information,
Wherein the information of the prepaid card includes ID information corresponding to the prepaid card, and virtual account information linked to the prepaid card. And a charging unit that can charge the prepaid card. The charging unit receives the charging request signal and the information of the prepaid card from the prepaid card through the charging unit, receives the charging request signal, information of the prepaid card, To an external management server;
And a controller for receiving a charging request signal from the external device and determining whether the external device is located within an authentication area previously authenticated by a predetermined manager of the prepaid card or whether the prepaid card is first charged using the external device A management server for transmitting a charge request signal and information of the prepaid card to the banking server so as to charge the prepaid card; And
When receiving a charge request signal from the management server, extracts a charge amount from a virtual account linked to the prepaid card, and charges the withdrawn amount from the virtual account so that the prepaid card can be charged through the external device And a banking server for transmitting a signal to the external device to charge the prepaid card. 15. The method of claim 14,
The management server includes:
When the external device is located in the authentication area, it is determined that the prepaid card charging using the external device has already been approved by the manager, and the information of the charging request signal and the prepaid card is transmitted to the banking server, Wherein the controller is configured to manage the account of charging the prepaid card with information of the external device when it is determined that the card is located in an area outside the authentication area, And transmits the charge request signal and the information of the prepaid card to the banking server when an approval signal is received from the account association terminal. 15. The method of claim 14,
The management server includes:
Receiving ID information from the external device, comparing the ID data of the external device previously used for charging the prepaid card by the prepaid card ID and storing the ID data in the management server memory part, Retrieves the external device ID data corresponding to the ID, and if the external device ID information is included in the retrieved external device ID data, it is determined that the prepaid card charging using the external device has already been approved by the manager, Charging request signal and information of the prepaid card, and if the external device ID information is not included in the searched external device ID data, it is determined that approval by the manager is required for charging using the external device, And the manager manages an account for charging the prepaid card Be sent to an account linked to a terminal provided, and pre-paid card charging system when the acknowledgment signal is received from the account associated terminal transmits the information of the charge request signal and the pre-paid card to the banking server.
KR1020150044403A 2015-03-30 2015-03-30 Charging method and charging system for prepayment card KR101766670B1 (en)

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Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100374801B1 (en) 2002-03-08 2003-03-04 Bc Card Co Ltd Method for issuing and charging prepayment card and transacting using the same

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100374801B1 (en) 2002-03-08 2003-03-04 Bc Card Co Ltd Method for issuing and charging prepayment card and transacting using the same

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