KR100448025B1 - System for remote-charging of electronic purse - Google Patents

Abstract

A user interface step in which the settlement server receives the charging request of the electronic money user through a wired / wireless telephone or a PC / internet; Approving (bank transfer or payment) the user's request charge amount in the financial institution account set in the electronic money in the settlement server; Creating a charging list for the electronic money that has been approved; Transmitting the recharging list to one or more payment terminals; Recharging the card recorded in the recharge list at the electronic money with the requested recharge amount; Creating a charging completion list for the electronic money that has been charged in the payment terminal that performed the charging; And transmitting the charge completion list to the settlement server.

Description

Electronic money remote charging system of charging list transmission system {SYSTEM FOR REMOTE-CHARGING OF ELECTRONIC PURSE}

Currently, prepaid and postpaid electronic money are widely used, especially in transportation cards. Dual prepaid cards are faithful to the concept of electronic wallets. There are RF cards (transport cards), contact cards, and combination cards that use both of these methods. In the prepaid card, the charging method has to be equipped with an electronic money card interface device that can be connected to a charging station equipped with a charger or a PC or a mobile phone.

The present invention is designed to improve the above problems, an object of the present invention is to make a charge request through the phone (mobile phone) or PC without the hassle of the user of the electronic money to go to the charging station, and thus the charging is made in the payment terminal during use To lose.

1 illustrates an electronic money automatic charging system according to the present invention.

Fig. 2 (a) shows a data storage structure in an electronic money card used in the first embodiment of the present invention.

Figure 2 (b) shows the structure of the filling list used in the first embodiment of the present invention,

Figure 2 (c) shows the structure of the complete list used in the first embodiment of the present invention,

Fig. 2 (d) shows the structure of the settlement server DB in the settlement server used in the first embodiment of the present invention.

Fig. 3 (a) shows the data storage structure in the electronic money card used in the second embodiment of the present invention.

Figure 3 (b) shows the structure of the filling list used in the second embodiment of the present invention,

Figure 3 (c) shows the structure of the complete list used in the second embodiment of the present invention,

3 (d) shows the structure of a settlement server DB in the settlement server used in the second embodiment of the present invention.

Fig. 4A shows the data storage structure in the electronic money card used in the third embodiment of the present invention.

4 (b) shows the structure of the settlement server DB in the settlement server used in the third embodiment of the present invention.

5 is a flowchart illustrating a filling list creation process according to a first embodiment of the present invention.

6 is a flowchart illustrating a charging completion list creation process according to the first embodiment of the present invention.

In order to achieve the above object, the electronic money card of the present invention may use a response flag for recording the current balance field, the card number field and the response for remote charging, and an authentication number field (or a remote charging counter for remote charging confirmation). ) Has an internal data structure. Among these, the response flag may not be used when the charging completion check list is used. Also, in order to enable additional charging (e.g., two additional chargings) even before the charging is performed by the telephone charging request, a plurality of charging processing recording areas including the authentication number field and the response flag are provided in the card. Dogs)

The settlement server of the present invention for the above purpose is configured to send a charge list when the charge request by the user of the electronic money card users to each payment terminal, the structure of the charge list and the authentication number field and card number field for each card and It consists of a filling liquid field.

The payment terminal of the present invention for the above purpose when the user uses the card when the card number used in the charge list, using the authentication number (or remote charge counter) to check whether the charging is carried out, the charging is performed card The charging completion list is prepared and transmitted to the settlement server. The structure of the charging completion list includes a card number for each card on which charging is performed and an authentication number (or remote charging counter) of the charging recorded in the card.

The settlement server has a settlement server DB to control remote charging, the structure of the settlement server DB is composed of a card number field, a current status flag, a charge status recording area and an account information recording area for each card that can be remotely charged.

The present invention receives the charge list from the settlement server and stores it in the internal memory, and receives data from the electronic money card and performs the payment process, when the card number of the electronic money card in use is in the charge list, the charging of the charge list A payment terminal which charges with an amount and generates a charging completion list and transmits it to a settlement server for the card which has been charged; Respond to the user's charge request received through the phone or PC, transfer the charge request amount from the account specified in the charge request card, create a charge list for the completed transfer card, and transmit to each payment terminal. It is characterized by consisting of a settlement server that provides an interface with the user, such as the Internet or ARS.

Hereinafter, embodiments of the present invention will be described in detail.

(First embodiment)

The memory in the electronic money card 10 includes a card number field, a current balance field, a remote charge counter and a charge response flag. The settlement server DB includes a card number field, a remote charge counter and a charge status flag for each card. And a designated account-related information recording field, and the charge list created by the settlement server 30 is composed by recording a creation date and time (date) in a list consisting of data consisting of a card number field, a charge amount field, and an automatic charge counter. do.

The operation of the first embodiment of the present invention will be described with reference to the drawings.

The user makes a request for charging the electronic money card 10 through a phone (including a mobile phone) or a PC (internet) 50. At this time, the user may implement to enter the card number, may be implemented to enter a separate service number set in advance, even in the case of the account number to specify the account number for each card number in advance, or to enter the account number directly (in this case, It is preferable to add a password input). If you use the Internet, you may have the convenience of setting an electronic money card number or a designated account number in the current account or address. When the charge request is requested, the charge amount may be implemented to allow the user to input the amount at each request or may be implemented to request a preset value. When a designated account is set for each card number, the user's charge request is input to the settlement server, and the settlement server 30 searches for the designated account of the card number in the server DB with respect to the requested card number. (40) Request a transfer from the designated account. If the transfer fails due to insufficient funds, the user is notified of the transfer failure, and the charging operation is terminated according to a predetermined procedure. If the transfer is successful, the user is notified that the charging process is completed and the next operation is performed. The settlement server 30 sets the charging status flag of the settlement server DB to 'charging' when the transfer is completed, increases the remote charging counter of the settlement server DB by 1, and increases the remote charging counter value and card number of the settlement server DB. And a recharge list with a recharge amount, and transmits a recharge list with a recording date (or date and time) to the payment terminal 20. When paying for a transportation fee, the payment terminal 20 and the remote charge counter in the card 10, if the card number of the card 10 being processed in the payment list stored in the payment terminal 20 is present; Compare the remote charging counter on the charging list. As a result of the comparison, when the remote charge counter in the charge list is larger than 1, the charge is recorded with the charge amount recorded in the charge list and the remote charge counter in the card 10 is increased by 1, and the charge response flag in the card 10 is increased. Increase by 1. The payment terminal 20 creates a charging completion list with a card number and an increased remote charging counter value for the cards for which the remote charging is made and transmits it to the settlement server 30. The settlement server 30 determines that the charge status flag in the settlement server DB is determined by determining that the remote charging is successful when the remote charge counter value of each card on the input charging completion list and the remote charge counter value of the settlement server DB are the same. 'Done'.

The settlement server 30 receiving the charge request from the user, if the charge status flag on the settlement server DB of the input card number is 'charging', the charge is performed by receiving the charge request on the charge request received on the settlement server DB Notify the user that it is.

In the above description of this embodiment, a remote charging counter was placed to prevent double charging. Alternatively, the remote charging counter has an authentication number instead of the remote charging counter, and the settlement server 30 stores an arbitrary number of authentication numbers in the charging list. The payment terminal 20 stores the authentication number in the authentication number field in the card 10 after remote charging, and the payment terminal 20 stores the authentication number value in the charging list and the authentication number field in the card 10. If the same, it can be implemented not to perform the charging.

(2nd Example)

The user may be in a situation in which a remote charge request is further required because it is determined that the charge amount is required again even after the remote charge request using the telephone lamp 50 is performed once. The present embodiment has been devised in consideration of such a case, and is characterized in that the user is given three remote charging request opportunities.

In the structure of the electronic money card 10 according to the present embodiment, there are three charge processing recording areas, which are an authentication number field and a response flag set, and a current balance field and a card number field. The structure of the settlement server DB according to the present embodiment has a card number field, a current state flag, and an account information recording area for each card, an authentication number field, a charge amount field, a charge request reception date field, and a charge. There are three charge state recording areas composed of status flags. The charging list according to the present embodiment includes an authentication number field, a card number field, and a filling liquid field for each card, and the charging completion list includes an authentication number field and a card number field for each card.

The operation of the remote charging system according to the present embodiment is as follows. The user requests to charge a certain amount of money on his or her card by phone, PC, or the Internet 50, and the requested settlement server 30 charges three charges of the card information storage area having the corresponding card number in the settlement server DB. Record the requested recharge amount in one of the status record areas, and record an arbitrary number in the authentication number field (must be different from the authentication number already recorded in the corresponding card information storage area on the settlement server DB). Record the date of receipt of the charge request (the recording unit may be determined as required). The server 30 requests the approval (transfer or payment) for the charge request amount to the account recorded in the relevant account information field of the card. When the approval is completed, the server 30 sets the charge status flag of the corresponding charge status recording area to 'charge request'. ', Increase the current flag by 1 and create a recharge list. In the charging list, the card number, the authentication number and the filling amount of the random number are recorded, and the created charging list is transmitted to each payment terminal 20. Each payment terminal 20, if the card number of the card used in the payment process is present in the charge list and the authentication number of the charge list and one of the authentication number of each of the charge processing area (the three exist) of the card 10 If there is a match, no charging is performed. If there is no match, charging is performed with the filling liquid. The authentication number of the filling list is recorded in the authentication number field of one of the filling processing areas, and the response flag is increased by one. The filling processing area operates like a queue (first in, first out) so that when the newly received filling information is recorded, the filling processing area is recorded in the filling processing area that was recorded first. The payment terminal that has performed the remote charging will create a charging completion list recording the card number and the authentication number, and transmits the created charging completion list to the settlement server 30. The settlement server 30 receiving the charge completion list retrieves the card number corresponding to the card number of the list from the settlement server DB and searches the charging state recording area that matches the authentication number of the list again. The charging status field of the found charging status recording area is marked as 'charging completed' and the present status flag is reduced by one.

The current state flags are 0 ('charged'), 1 ('charged once'), 2 ('charged twice'), and 3 ('charged three times') with no charge. Is set. In the present embodiment, if the user requests a remote charging again after the user has not yet made the remote charging after the charging request, the settlement server has set the current state flag to 1 (2, 3). If the current state flag is 3, the user is notified that charging is no longer possible. If the current state flag is 1,2, the user searches for the most recent charge state field of the card number. Notify that the charging request is made at the time recorded in the Charge Request Reception Date and Time field, and ask whether additional charging request is required. When the additional charge request is received, the settlement server performs the charge list creation as described above. Since the charge state recording area is three for each card, a total of three charge requests including the first charge request are possible.

Example 3

The present invention is implemented in conjunction with the applicant's patent application No. 10-2002-0024945, "automatic charging system for electronic money and a method of charging list transmission method", the pre-specified charge when the current balance in the card falls below a certain amount It is preferable to implement automatic charging with the amount, and if the additional charge is required, the user can implement the remote charging by telephone or PC directly.

As described above, an embodiment in which automatic charging and remote charging are simultaneously implemented is as follows.

In order to implement the automatic charging function, the memory in the electronic money card 10 includes a card number field, a current balance field, a minimum charge amount field, an automatic charge counter, a charge request flag, and a final request date and time field. The charge request list created by the payment terminal 20 includes a card number and a charge request counter for each card, and the settlement server DB includes a card number field for each card, a designated charge amount field, and a list creation date (date). Field) and a charge list created by the settlement server 30. The charge list created by the settlement server 30 consists of a card number field, a designated charge amount field, and data consisting of an automatic charge counter. It is composed by recording the date.

In order to implement the remote charging function, the memory in the electronic money card 10 is configured to further include a remote charge counter and a charge response flag, and the settlement server DB further comprises a remote charge counter and a remote charge status flag. The charge list created by the settlement server 30 is configured by recording a creation date (date) in a list consisting of data consisting of a card number field, a charge amount field, and an automatic charge counter.

In the process of performing the automatic charging according to the present embodiment, if the balance after the payment is less than the charge request amount set in the card, if the charge request flag is less than a predetermined number of times, the card number and the value of the automatic charge counter of the card are recorded in the charge request list. Increase the charge request flag by 1 (the charge request only allows a certain number of times). When the charge request flag has reached a certain number of times, the elapsed time from the date of the last request recorded on the card to the present time is examined, and if the current time period has elapsed (the charge request was made before, but the charge was not performed within the charge list retention period. Reset the charge request flag and go through the charging list again. The payment terminal 20 transmits the charge request list created within a predetermined period (generally, the period between transmission points) to the server 30, and deletes the charge request list that has been completed. DB of server has settlement server DB which stores card number, automatic charge counter value, designated charge amount, charge list creation date (date) and account related information for each card. The server 30 checks whether the automatic charge counter value on the charge request list of each card that receives the charge request and the automatic charge counter value on the settlement server DB of the server are the same. In the same case, the server 30 checks the filling list creation date of the corresponding card number, and regenerates the filling list without account transfer if the current time passes a certain period (charge list storage period) from the creation date. If the value of the automatic charge counter on the recharge request list is one greater than the value of the automatic charge counter on the settlement server DB, request the transfer of the designated charge amount from the account specified on the card. Recorded in the "Related" area). If the transfer is unsuccessful, the charging operation is terminated. If the transfer is successful, the server 30 increases the automatic charge counter on the settlement server DB by one, and the related information of the card (increased automatic charge counter, card number, designated charging). Record the amount in the recharge list. The filling list is filled with the filling list creation date (or date), and is also recorded in the filling date field on the settlement server DB. The server 30 transmits the created charging list to each terminal 20, and each of the received terminals 20 records the charging list in a memory. When the user uses the card, the terminal checks whether the card number is recorded in the charging list (it may be implemented to perform the test only when the current balance is less than or equal to the minimum charge amount). If a card number exists in the charging list, compare the automatic charging counter of the charging list with the automatic charging counter recorded in the card. If both counter values are the same, the terminal 20 simultaneously charges the card with the designated charge amount and increases the in-card auto charge counter by one, and resets the charge request flag. The payment terminal constructs a charging completion list with the cards which have performed the charging and transmits it to the settlement server. The settlement server sends a charge list, and if the charge completion list does not arrive within a certain period (charge list retention period), it is recorded in the charge list again and sent to the payment terminal in case the charge is not performed within the charge list retention period. .

In the remote charging process of the present embodiment, the user makes a request for charging the electronic money card 10 through a phone (including a mobile phone) or a PC (internet) 50. If the designated account is set for each card number, the user's charge request is entered into the settlement server 30, the settlement server 30 searches for the designated account of the card number in the server DB for the card number requested to be charged Request a transfer from your designated account. If the transfer fails due to insufficient funds, the user is notified of the transfer failure, and the charging operation is terminated according to a predetermined procedure. If the transfer is successful, the user is notified that the charging process is completed and the next operation is performed. The settlement server 30 displays the charging status flag of the settlement server DB as 'charging' when the transfer is completed, increases the remote charging counter of the settlement server DB by one, and increases the remote charging counter value and card number of the settlement server DB. And a recharge list with a recharge amount, and transmits a recharge list with a recording date (or date and time) to the payment terminal 20. When paying a transportation fee, the payment terminal compares the remote charging counter in the card 10 with the remote charging counter in the card 10 when the card number of the card being processed exists in the charging list stored in the payment terminal. . As a result of the comparison, when the remote charge counter in the charge list is larger than 1, the charge is recorded with the charge amount recorded in the charge list and the remote charge counter in the card 10 is increased by 1, and the charge response flag in the card 10 is increased. Increase by 1. The payment terminal 20 creates a charging completion list with a card number and an increased remote charging counter value for the cards for which the remote charging is made and transmits it to the settlement server 30. The settlement server 30 determines that the charge status flag in the settlement server DB is determined by determining that the remote charging is successful when the remote charge counter value of each card on the input charging completion list and the remote charge counter value of the settlement server DB are the same. 'Done'. Receiving a charge request from the user, the settlement server 40, if the charge status flag on the settlement server DB of the card number received 'charging', the charge is received by the charge request received on the charge request received on the settlement server DB Notify the user that it is.

The remote charging process of the present embodiment may also be implemented such that the filling completion list is made a plurality of times as in the first and second embodiments, or the user may additionally perform the remote charging a plurality of times during the remote charging.

The account related information recording field in the charge card information DB of the settlement server of the embodiments of the present invention is to record relevant information and a flag (counter) for account transfer, for example, the related account number field and account transfer. With the status flag, if the settlement server requests a transfer (preferably the settlement server is online with the bank server), the bank transfer request is made with the account number recorded in the account number field associated with the card. Mark the status flag 'Transfer Request'. In case of 'transfer request', when the charge request is received, no operation is performed and the additional charge request is checked, and even if the transfer fails due to lack of balance, the charging operation (charge list creation work) is terminated (account). The transfer status flag is reset to its original state). When the transfer is completed, the 'Transfer Complete' flag is displayed, and the charging list creation procedure described in the above embodiments is performed. In addition, the transfer request time may be displayed in the account-related information recording field so that a predetermined period of time during the transfer request may be treated as a transfer failure. In addition, when the transfer fails due to the absence of the account may be implemented to not respond to the next charge request by displaying the status flag as 'account not present'.

The response flag of the present invention is to ensure safe transmission of the charging completion list when the payment terminal is damaged immediately after the remote charging is performed, and when the remote charging is made, the charging completion list is transmitted by a predetermined number of times (for example, three times). The payment terminal 20 does not increase the response flag in the electronic money card used in the payment processing by a predetermined number of times, and the card number corresponding to the use card 10 also matches the pre-stored charging completion list in the payment terminal 20. If you do not have a remote charge counter, create a charge completion list (or add it to the charge list) with the card's corresponding authorization number and card number and send it. In the case of configuring the charge completion list by the above procedure, the response flag of the corresponding card is increased by 1. (In this case, when the response flag is '2 response', it is reset to the initial state.)

In the present invention, in order to reduce the amount of the charge list stored in each payment terminal, it is preferable to delete the charge list after a certain period at the time of transmission. In this case, if the settlement server does not receive the charge completion list after a certain time from the reference date (charge request reception date and time), it is also preferable to resend the charge list again. In addition, it is also preferable to pre-specify a payment terminal of a place frequently used by a user (by region or type) or to designate when a user requests a charge.

The procedure of the automatic charging method in the electronic money payment processing according to the present invention is as follows.

A user interface step in which the settlement server receives the charging request of the electronic money user through a wired / wireless telephone or a PC / internet; Approving (bank transfer or payment) the user's request charge amount in the financial institution account set in the electronic money in the settlement server; Creating a charging list for the electronic money that has been approved; Transmitting the recharging list to one or more payment terminals; Recharging the card recorded in the recharge list at the electronic money with the requested recharge amount; Creating a charging completion list for the electronic money that has been charged in the payment terminal that performed the charging; And transmitting the charge completion list to the settlement server.

The payment terminal used in the present invention may be implemented in a bus / transport terminal of a general RF method, or a combination terminal or a contact IC card payment terminal that supports both a contact method and an RF method that are expected to be used in the general distribution field. It can also be implemented.

According to the remote charging method according to the present invention, while the card user implements the charging request to the phone or PC conveniently, there is an advantage that does not require a separate equipment for the electronic money card users. In addition, since the financial company performs the approval after pre-approval, it is possible to prevent the risk of unpaid payment. When used together with the automatic recharging method of the recharging list transmission method, it can charge a larger amount than the specified amount according to the user's needs. It is effective to compensate for the shortcomings of the automatic charging method.

Claims (4)

In the electronic money remote charging system, An electronic money having an area in which at least remote charging counter information, electronic money identification information, and charge amount information are recorded; Receives a charge request for the electronic money through a wired / wireless phone or a PC and requests the financial institution server to transfer the charge from the designated account corresponding to the electronic money that has been charged. A settlement server including a control unit for generating and transmitting a charge list corresponding to charge amount information and remote charge counter information for each electronic money requested to be charged; Receive the charge list from the settlement server and store it in the memory, and when the electronic money coinciding with the electronic money identification number recorded in the stored charge list is used, the charge amount in the electronic money according to the comparison result of the remote charge counter information And a payment terminal including a control unit for converting the remote charge counter information to a value in the charge list and generating a charge completion list in which charge completion facts are recorded and transmitting the charge completion information to the settlement server for the electronic money in which the charge is performed. Electronic money remote charging system, characterized in that. delete delete delete