WO2013077559A1

WO2013077559A1 - Pre-payment and post-payment method and system using id card

Info

Publication number: WO2013077559A1
Application number: PCT/KR2012/008672
Authority: WO
Inventors: 김학성
Original assignee: 주식회사한국심트라
Priority date: 2011-11-24
Filing date: 2012-10-23
Publication date: 2013-05-30
Also published as: KR101159172B1

Abstract

The present invention relates to a method and related system for providing, to reliable members in a university, a company, or a group, an ID card service capable of performing prepayment and post-payment by using a service server connected to terminals using ID cards and SAM modules with prepayment and post-payment functions over a network in a limited area. While a card commission, a VAN carrier commission, or high interest should be paid when a credit card is used, they are not needed in the present invention. In addition, since members may freely utilize the present system in their organization regardless of their external credit, facilities in their schools, groups or companies may be activated.

Description

[Revision based on Article 26 of Rule 07.01.2013]

The present invention relates to a prepaid post-payment ID card payment method and system applying an IC card in a limited area of a university, an organization, or a company.

[Document 1] Republic of Korea Invention Registered Patent 10-0308418 RF (wireless recognition) debit card and its system

[Document 2] Republic of Korea Invention Patent Publication 10-2003-0065806 Credit card service operation method of smart card

[Document 3] Republic of Korea Invention Patent Publication 10-20009-0129385 Smart card payment method including credit card payment function and prepaid card payment function

Starting with a debit card, a number of credit card technologies, both prepaid and postpaid, have been released. In the case of debit-type transportation cards, blacklist-only credit checks allow fast payments. In the case of the use of prepaid and unpaid smart cards, the credit card company determines the credit rating through the server when the remaining amount prepaid is insufficient. Is using postpay by warranty and charging box.

In schools, organizations and workplaces with a relatively large number of members, the necessity of using ID cards after and after using smart cards applied to identification cards has become frequent.

However, there is a problem in that the credit card method using the existing bank has to pay a high credit card fee, and in the case of a debit card, a VAN provider fee is required because the VAN provider has to go through it.

In addition, in the case of the post-payment method, there was a problem of asking interest of a high interest rate of a credit card company in addition to a credit card fee.

In order to solve the above problems, an object of the present invention is to provide a pre-paid IC card payment method and system that does not pay the credit card fee, VAN operator fee and interest charges of the loop through the server of the university or organization itself. .

In addition, another object of the present invention is to provide a more convenient after-payment IC card using method differentiated from the existing credit card system.

The present invention provides a service using a differentiated prepaid IC card ID to a limited number of qualified members of a university, a workplace, and a group, and thus does not pay credit card fees, VAN operator fees, and credit card bank interest. It is effective to provide a low cost and high utilization system.

1 is a basic configuration system example of the present invention

2 is a detailed description of the sales management program of FIG.

3 is an exemplary view illustrating a basic method of the present invention.

Figure 4 is an illustration of a system description that can be used in the prepaid post-paid ID card of the present invention in another workplace, group or school

Figure 5 is an illustrative example of a system applied to the mobile phone after-pay ID card of the present invention

The present invention uses a restaurant, canteen, copy, etc. in a space where at least tens of thousands or tens of thousands of members, namely, university students, members, and office workers, operate in limited spaces such as universities, organizations (large golf courses, clubs, etc.) and workplaces. In the past, college students cannot use most of the credit cards, and the fees and bank interests are too expensive for the credit card, and in the case of debit cards, VAN certification fees are unnecessary. Prepaid and postpaid charges are made to ID cards made of IC cards (including smart cards or RFID cards) applied to student IDs or ID cards in limited spaces in universities and organizations, and the corresponding IC cards are stored in SAM (Secure Access Module, security applications). Module Reader or CSN (Card Serial Number) Card Reader is applied to restaurants, shops and copiers. The SAM module or CSN Reader is connected to the terminal and stored as a key value for authenticating all members of the limited space. Whenever the ID card is used, key authentication is performed and the amount used is prepaid by connecting to the server. Have a system for paying postpay.

More specifically, the effects of the present invention can be described as follows.

1) It is composed of school students, faculty members, groups, and members of the workplace.

In addition, an ID card with a secure IC card is issued. : Whenever you make a prepaid payment, it can be applied without a credit check, and it does not use a VAN operator.

2) Used within the workplace, school and group space, and directly operating the service server: In case of postpaid payment, the credit card fee of the internal seller can be eliminated and the user does not have a high interest burden on the credit card. .

3) Using terminal with card reader or CSN card reader equipped with SAM module:

It has member information in SAM module and can be settled only by the payment limit of the server, so there is no need for external credit authentication, so there is no need for VAN certification or financial company certification.

Therefore, the present invention provides a system that can conveniently use a post-paid ID card for members in a region regardless of external credit conditions in a limited region such as a university.

The following describes the present invention in more detail with reference to the drawings.

1 illustrates an embodiment for explaining the basic structure of the present invention applied to a university,

Prepaid and unpaid ID card (100) consisting of an IC card

Connected to a restaurant or a copy machine and a store, a central computing device 250 having a contact or contactless reader (Card Reader) 230 and a terminal 200 having a storage device 240 are configured.

A key authentication function is built in the terminal 200, in which the SAM module 210, which stores key values for authenticating all college students for prepaid or postpaid payment of the prepaid postpaid ID card 100, is built in the terminal 200. To block access to another card.

And, if the key is authenticated by communicating with the sales management program unit 400 configured as a program in the secondary storage device of the service server 300 connected to the network 500, prepaid or postpaid payment processing and student information and sellers connected with To manage sales.

In addition, the sales management program unit 400 will be described in more detail with the sales management unit 420 which manages the information of the seller and the sales goods, and the sales settlement processing unit 420 which processes the prepaid or postpaid payment whenever a transaction occurs.

With the information of students, student payments and credit conditions, the prepayment and postpayment limit is notified to the sales and payment processing unit 420 when the payment is made through the terminal 200. The students deposit the prepayment account in the student's prepayment account via wire transfer or ATM. And the customer information management unit 430 having a means for automatically charging the postpay regularly to students who want to charge postpay with prepaid charge management function to charge by

It is composed of an accident occurrence processing unit 440 that handles an accident when an accident occurs because the post-payment is not collected and has a payment processing and management function of the students' postpaid and unpaid ID card 100.

And when you issue a post-unused ID card 100 using the reading device 230 as a function that can be used in place of the SAM module 210, CSN (Card Serial Number), which is a unique number that is written for every IC card There is also a processing means for recognizing and storing the information of the students in the storage device 240 of the terminal 200 to confirm that the student of the university.

Another function that can be used in place of the SAM module 210 is to store the unique number of the university in the IC chip of the post-unused ID card 100, and when the unique number is read from the reading device 230, It further includes a processing means for identifying the student.

And when using the pre-paid ID card 100 through the terminal 200 using the photo identification module 260 which is a program module in the central operation unit 250 and the storage unit 240 of the terminal 200. The student picture of the university is shown on the display window 220 of the terminal 200 includes a function to confirm that the student, the student picture DB 270 is stored in the storage device 240 of the terminal 200 or It can be stored in the customer information management unit 430 of the service server 300 and because the customer information management unit 430 is a picture of the students in the DB is connected to the network 500 to call up and display on the display window 220 More preferably, the terminal 200 does not have a large amount of student photo data. Therefore, when the students use the post-paid ID card 100 when the purchase of relatively expensive items, mainly in the shop, etc., the photo confirmation module 260 is operated before the payment can be confirmed that you are in the display window 220 Otherwise, since the payment is prohibited by the seller in the photo confirmation module 260, the other students have the effect of preventing theft of the post-unused ID card 100 in advance.

2 is a view for explaining the sales management program unit 400 in more detail.

The sales management program unit 400 includes a seller information database 411 having seller information in the form of a database, a seller transaction management unit 412 that manages contents in a sale transaction situation for a customer of a seller, and a sale product in a database form. The sales item DB 413 is composed of a sales management unit 410 is basically configured to further include a seller fee management unit 414 for managing the sales fee generated every time a customer deals with

The prepaid or postpaid processing unit 422 having a prepaid or postpaid payment authentication unit 421 and a prepaid payment processing means of students connected to the customer information management unit 430 and having a prepaid or postpaid decision and a payment verification means within a payment limit. Sales payment processing unit 420 consisting of a postpay payment processing unit 423 having a postpay payment processing means and

The customer credit information management unit 432 of the customer information DB (431) and the student DB and the student's student ID and related personal information, the student's current credit information and the means for determining the automatic automatic post-payment on a regular basis based on the credit information. The customer information management unit 430, which is basically configured and additionally includes a customer post-pay fee management unit 433 as a means for processing post-paid fee interest on the postpaid charge amount of the customer.

It is connected to the terminal 200, the sales settlement processing unit 420 and the customer information management unit 430 has a feature consisting of the accident occurrence processing unit 440 of the means for handling the occurrence of the accident.

Incident occurrence processing unit 440 includes a means to notify the ID of the student that the accident occurred when the accident occurred by the black list of the student in each terminal to prevent the use of the terminal without connecting to the server do.

3 illustrates the basic processing method of the present invention.

There is no credit problem except for the user who charges the prepayment via wire transfer or ATM and has caused an accident because he is a member of a university, organization or workplace. It is automatically charged regularly by the customer credit information management unit 432 of (300). (100S) This automatic charging is usually handled at the same amount, which has an advantage in management with fair processing for each student.

The user uses the post-unpaid ID card 100 through the terminal 200. (200S)

Check the key authentication value of the SAM module 210 of the terminal 200 to authenticate the membership. (300S)

If the authentication 300S fails, the user card is prohibited. (400S)

If the authentication 300S is connected to the customer information of the service server 300 receives a prepaid or postpaid payment authentication. (500S)

If the balance of the prepaid and postpaid balance of the customer of the service server 300 is less than the amount sold, the payment is not processed and the balance may be additionally displayed on the display window 220 of the terminal 200. (600S)

The payment is processed when the payment authentication (600S). (700S)

There is a regular settlement process (800S).

If the post-pay collection is completed, and then repeat the charging process (S) (100S) of the post-paid dual-use ID card (100).

If postpay collection is not completed, an accident occurs and the user's use of ID card is prohibited. (1000S)

If the incident is resolved within the time limit, the user is allowed to use the ID card. (1100S)

If the accident is not resolved, it is passed to the accident occurrence processing unit. (1200S)

And, Figure 4 is an exemplary view for explaining a system that can use the prepaid post-paid ID card 100 regardless of region by authenticating the school, organization or work of the present invention.

That is, as a system in which a member of a university, a group, or a workplace can go to a university, a workplace, or a group in another region, and apply their post-paid ID card 100 to a terminal 200 in another region.

To this end, each service server 1 (300), service server 2 (300) .... Service server n (300) has a key certificate (600) of each of the service provider's certificate server 700 is encrypted By using the key authentication unit 800 to encrypt and authenticate the key certificate 600 of each service server 300 through the network 500, each member can go anywhere in the area where the authentication has been certified The card 100 can be used. Such authentication content is similar to the existing VAN service provider, and there is no problem in technical use, but the SAM module 210 of the terminal 200 in each region does not have the contents of the members of other regions, and thus, customer authentication cannot be performed. Therefore, for this purpose, the external authentication module 280, which is the terminal 200 authentication program, has the customer information and credit information of the corresponding member in the service server 300 when authenticating the key certificate 600 in the key authentication unit 600. Receiving the authentication information from the customer information management unit 430 has a means for customer authentication.

5 is a view for explaining an embodiment in which the post-unused ID card 100 is applied to the mobile phone 900 in the present invention.

The mobile phone 900 to which the post-unused ID card 100 is applied has an ID (Identification, 1300) having a student number of a school, a company number of a company, or a member number and an order of issuance in the memory of the mobile phone 900. Means that. This ID 1300 has the same information as the ID information of the post-paid non-use ID card 100.

And for this registration, the memory of the mobile phone 900 includes an ID issuing software module 1200, which is an ID issuing software application for issuing IDs with password authentication to members.

In addition, the mobile phone 900 includes an NFC chip 1100 and an antenna 1110 having an NFC communication standard of ISO18092 standard.

And the reader 230 of the terminal 200 is applied to the NFC Reader 290 for NFC communication.

Thus, the ID 1300 applied to the mobile phone 900 has the same ID card means as the pre-paid card 100 by NFC communication with the NFC Reader 290 of the terminal 200.

Claims

Applies to universities, organizations or workplaces with multiple members in a limited area,

ID card 100 consisting of an IC card issued to the member;

A terminal having an ID card 100 and a contact or proximity ID card reader 230, a central processing unit 250 and a memory device 240, and a SAM module 210 embedded therein; And

A service server 300 connected to the terminal 200 through a wired or wireless network 500; In the ID card utilization system that can be used for both prepaid and postpaid,

Terminal 200 having a key authentication means for verifying that the member is embedded in the SAM module 210 as a key value information for authenticating the member for prepaid or postpaid payment of the ID card 100;

A sales management unit 410 for managing information of the seller and the sold article;

A sales payment processing unit 420 for prepaid or postpaid payment processing whenever a transaction occurs;

Having the member's information, the member's payment status and credit status, the prepaid and postpaid limit is notified to the sales and payment processing unit 420 at the time of payment of the terminal 200, and the prepaid payment is periodically charged to the member. A customer information management unit 430 having a means for automatically charging; And

Characterized in that it consists of a service server 300 is equipped with a sales management program unit 400, including; accident occurrence processing unit 440 to prohibit the use of the ID card 100 when an accident occurs due to postpay collection Prepaid and post-pay billing system using an ID card.
According to claim 1, the sales management unit 410 and the seller information DB (411)

Seller transaction management unit 412 for the seller to manage the contents of the sales transaction situation for the members and

The after-payment dual payment system using an ID card, characterized in that the sales item is composed of a sales item DB (413) in the form of a database.
The system of claim 1, wherein the sales management unit (410) further comprises a seller commission management unit (414) for managing sales commissions generated whenever the members trade.
The method of claim 1, wherein the customer information management unit 430 and the customer information DB (431)

The customer credit information management unit 432 of the means for determining the credit and credit limit of the members, characterized in that consisting of a credit card after the payment system.
The method of claim 1, wherein the customer information management unit (430) further comprises a customer post payment fee management unit (433) of the means for processing the post-pay fee interest of the members.
The method of claim 1, wherein when the SAM module 210 is omitted, the card serial number (CSN) is checked using an ID card reader 230, and the member information stored in the storage device 240 is read. And after the payment system using both credit cards, characterized in that it further comprises having a means for confirming that.
According to claim 1, wherein if the SAM module 210 is omitted means for reading the unique number of the university or work or organization recorded on the ID card 100 using the ID card reader 230 to confirm that the member Post-paid combined payment system using the ID card, characterized in that it further comprises having.
The member 200 of claim 1, wherein the terminal 200 uses the photo verification module 260 in the photo DB of the member stored in the storage device 240 or the customer information management unit 430 of the service server 300. When the payment using the terminal 200 with the ID card 100, the member's picture further comprises means for appearing on the display window 220, characterized in that the front and back payment system using the ID card.
In the first hing, the service server 300 includes a key certificate 600

By means of authenticating the key certificate 600 in the key authentication unit 800 of the authentication server 700 through the network 500, the member goes to a university or a work or an organization in another region, and then does not use the ID card (100). ) Using a post-paid post-pay billing system, characterized in that it comprises a means that can be used to apply to the terminal 200 in another region.
The method of claim 1, wherein the terminal 200 further comprises an external authentication module 280 having an authentication means of an external member.
According to claim 1, When using the mobile phone 900 to apply the identification card to replace the post-paid ID card 100 is provided with a mobile phone (900) including the NFC function and ID 1300 is registered and the terminal 200 NFC reader (290) is included in the post-paid dual payment system using the ID card, characterized in that it has the same means of use as the post-paid ID card (100).