KR20050094979A - System and method for recharging moblie prepaid card, terminals and recording medium for it - Google Patents

Abstract

The present invention relates to a method and a system for charging a wireless prepaid card. The present invention relates to a method of charging a prepaid card when a prepaid card mounted in a wireless terminal is used through a predetermined terminal, such as insufficient balance. A predetermined message (eg, insufficient balance and charging information providing message) corresponding to the insufficient balance is transmitted, and the prepaid card included in the wireless terminal is charged based on a predetermined message received by the wireless terminal. To do that. Accordingly, the user can more conveniently charge when the balance is insufficient in using the prepaid card.

Description

Method and system for charging wireless prepaid card and terminal device and recording medium therefor {System and Method for Recharging Moblie Prepaid Card, Terminals and Recording Medium for It}

The present invention relates to a wireless prepaid card charging method and system that can automatically determine the remaining balance to be charged for the problem, such as a shortage that may occur while using the prepaid card mounted in the wireless terminal.

A credit card is a payment method for a member who has a contract with a credit card company and pays cash without spending cash on the basis of a card issued by the credit card company in the payment process for goods and / or services purchased from a merchant. As a payment method, the credit card company processes the approval for each payment processing process, while deferring the collection of payments based on the credit information of the member.

Since the credit card is suspended for a certain period of time, the credit card member may be an attractive payment method for purchasing goods and / or services without a direct payment process of cash, but for the credit card company, Mass production of credit card delinquents, and the VAN fee paid in the payment process, regardless of the amount of payment, may cause an unstable profit structure of credit card companies.

In contrast, a prepaid card issues a card by recording a payment limit and / or the number of times used on the card, and provides the customer with the amount of the recorded payment limit and / or the number of times of use, and purchases at the merchant. The payment method is a method of deducting the amount or frequency of use in the payment process for a product and / or service and recording it on the card. The payment is paid in advance, and the card issuer participates in real time in the payment processing process. It is a payment means characterized in that not.

For example, since the prepaid card has paid the amount prepaid, the prepaid card customer purchases goods and / or services without a direct payment process of cash like a credit card, and the deferred person and / or unnecessary banpies are provided to the card issuer. Reducing may be an attractive payment method, but there are rather uncomfortable and cumbersome problems of repeatedly using a prepaid payment amount on a credit card and a prepaid card.

On the other hand, a smart card has a microprocessor, a card operating system (COS), a security module, a cryptographic coprocessor, and a memory, so that a series of transactions processed through a card terminal device ( For example, a generic term for a card incorporating an integrated circuit chip which performs a role of an authentication means, an approval means, and / or various information providing means for providing a payment transaction.

The smart card is classified into a contact card, a contactless card, a hybrid card, and a combination card according to an interface method, and are classified according to the presence or absence of a central processing unit. The card is classified into a microprocessor card and a single purpose card and a multipurpose card according to the smart card application purpose.

Recently, the smart card is a multi-purpose combination card equipped with a central processing unit, which is independent of the platform because the program can be executed regardless of the card manufacturer, and aims at an open platform that can be installed and deleted after the card is issued. In addition, the removable and the like is mounted on the wireless terminal, such as the trend is expanding the range of use.

An object of the present invention to solve the above problems is to receive the prepaid card balance information and wireless terminal unique information from the wireless terminal and the wireless terminal equipped with a prepaid card function, and to check the received prepaid card balance information The wireless prepaid card includes a terminal for determining whether the prepaid card is charged and, when it is determined that the prepaid card needs to be charged, by using the unique information of the wireless terminal, transmitting a predetermined prepaid card charging message to the wireless terminal. In providing a charging system.

In addition, an interface for receiving prepaid card balance information and wireless terminal unique information from a wireless terminal equipped with a prepaid card function and the prepaid card balance information received through the interface to determine whether to charge the prepaid card. And a terminal unit including a transmission unit for transmitting a predetermined prepaid card charging message to the wireless terminal by using the unique information of the wireless terminal when charging of the prepaid card is necessary as a result of the determination of the determination unit, and a recording medium therefor. In providing.

The wireless prepaid card charging method according to the present invention for achieving the above object comprises the steps of providing the balance information of the prepaid card provided in the wireless terminal and the unique information of the wireless terminal from a wireless terminal to a predetermined terminal; Determining whether the prepaid card is charged by checking received prepaid card balance information, and when it is necessary to charge the prepaid card, the terminal determines the prepaid card from the terminal using the unique information of the wireless terminal. Sending a prepaid card charging message.

Preferably, the wireless prepaid card charging method further comprises the step of performing a prepaid card function charging process in response to the charging message provided from the terminal in the wireless terminal.

Preferably, the step of providing the balance information of the prepaid card provided in the wireless terminal and the unique information of the wireless terminal from the wireless terminal to a predetermined terminal, the wireless terminal from the wireless terminal through the predetermined short-range communication through the wireless It provides a balance information of the prepaid card provided in the terminal and the unique information of the wireless terminal.

Preferably, the step of determining whether the prepaid card is charged by checking the received prepaid card balance information in the terminal, comparing the received prepaid card balance information and the predetermined charge information provision amount basis in the terminal And if the received prepaid card balance information does not meet the predetermined charge information provision amount standard, determining that the prepaid card needs to be charged.

Further, according to another preferred embodiment of the present invention, the step of providing the balance information of the prepaid card and the unique information of the wireless terminal provided in the wireless terminal from a wireless terminal to a predetermined terminal, the prepaid received at the terminal Determining whether the prepaid card is charged by checking card balance information; and when the prepaid card is required to be charged, the terminal provides the prepaid card balance information and the unique information of the wireless terminal to a server. And transmitting, by the server, a predetermined prepaid card charging message to the wireless terminal based on the prepaid card balance information and the wireless terminal unique information provided from the terminal.

Preferably, the wireless prepaid card charging method further comprises performing a prepaid card function charging process in response to a charging message provided from the server in the wireless terminal.

The providing of the balance information of the prepaid card provided in the wireless terminal and the unique information of the wireless terminal from the wireless terminal to a predetermined terminal may include: transmitting the wireless terminal through the predetermined short distance communication from the wireless terminal to the terminal. Characterized in that the remaining balance information and the unique information of the wireless terminal provided within the prepaid card.

The determining of whether the prepaid card is charged by checking the received prepaid card balance information in the terminal may include comparing the prepaid card balance information received in the terminal with a predetermined charge information providing amount standard. And determining that the prepaid card needs to be charged if the received prepaid card balance information does not meet the predetermined charge information provision amount standard.

Further, according to another preferred embodiment according to the present invention, the step of providing the balance information of the prepaid card and the unique information of the wireless terminal provided in the wireless terminal from the wireless terminal to a predetermined terminal, and the reception at the terminal Providing the prepaid card balance information and the wireless terminal unique information to a server; determining whether the prepaid card is charged by checking the prepaid card balance information provided from the terminal at the server; When charging of the prepaid card is required, using the wireless terminal specific information provided from the terminal in the server, characterized in that it comprises the step of transmitting a predetermined prepaid card charging message to the wireless terminal.

Preferably, the wireless prepaid card charging method further comprises performing a prepaid card function charging process in response to a charging message provided from the server in the wireless terminal.

The providing of the balance information of the prepaid card provided in the wireless terminal and the unique information of the wireless terminal from the wireless terminal to a predetermined terminal may include: transmitting the wireless terminal through the predetermined short distance communication from the wireless terminal to the terminal. Characterized in that the remaining balance information and the unique information of the wireless terminal provided within the prepaid card.

The determining of whether the prepaid card is charged by checking the received prepaid card balance information at the server may include comparing the prepaid card balance information received at the server with a predetermined charge information providing amount standard. And determining that the prepaid card needs to be charged if the received prepaid card balance information does not meet the predetermined charge information provision amount standard.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings, and first, predetermined reference numerals are added to the components shown in the drawings. However, it is noted that the same components shown in different drawings are denoted by the same reference numerals as much as possible.

In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art.

1 is a schematic diagram of a wireless prepaid card charging system according to a preferred embodiment of the present invention.

Referring to FIG. 1, the wireless prepaid card charging system according to the preferred embodiment includes a wireless terminal 100 and a terminal 105.

Preferably, the wireless terminal 100 is characterized in that the predetermined IC chip equipped with the prepaid card function is mounted or detached, the terminal 105 to the prepaid card balance information and wireless terminal specific information (eg, It is characterized in that it comprises a predetermined short-range communication means (for example, RF, infrared, Bluetooth, Wi-Fi, wireless LAN, etc.) providing a wireless terminal communication number, mobile IP, MIN.

In addition, the wireless terminal 100 is characterized in that to perform the prepaid card function charging process in response to the charging message provided from the terminal 105.

For example, the charging process of the prepaid card function is connected to the server 110 for charging the prepaid card function through the callback UEL included in the charge message to perform the prepaid card function charging process and / or the wireless terminal 100 Prepaid card function by accessing a device or a terminal which performs the prepaid card function charging process using at least one or more payment means stored in the financial IC chip and / or charges the prepaid card function through a predetermined short-range communication means. Performing at least one filling process.

In addition, the charging message provided from the terminal 105 to the wireless terminal 100 is connected to the server 110 or the device for charging the prepaid card function in the wireless terminal 100 (for example, callback UEL, access point code , Server or device specific code, etc.).

Preferably, the terminal 105 receives the prepaid card balance information and the wireless terminal unique information from the wireless terminal 100, and checks the received prepaid card balance information to determine whether to charge the prepaid card, the determination As a result, when the prepaid card needs to be charged, a predetermined prepaid card charging message is transmitted to the wireless terminal 100 using the unique information of the wireless terminal.

For example, the terminal of claim 1, wherein the terminal 105, the prepaid card balance information received by comparing the received prepaid card balance information and the predetermined charge information provision amount basis, the charge pre-determined When the amount of information is less than the standard, it may be determined that the prepaid card needs to be charged.

In this case, when the amount of charge stored in the prepaid card is less than or equal to a predetermined amount, the terminal 105 provides a predetermined amount of charge information provision amount to provide predetermined charge information indicating that the prepaid card needs to be charged to the prepaid card owner. It is preferable to have a storage medium for storing.

In addition, the preferred wireless prepaid card charging system according to the present invention performs the prepaid card function charging processing in response to the charging message provided from the terminal 105 in the wireless terminal 100, the wireless terminal ( When the server 110 and / or the wireless terminal 100 charging the prepaid card function in the wireless terminal 100 performs a prepaid card function charging process in response to a charging message provided from the terminal 105, the wireless terminal 100 It should be noted that it can be made by further comprising a terminal or device for charging the prepaid card function.

For example, the terminal or the device is provided with predetermined short-range communication means (eg, RF, infrared, Bluetooth, Wi-Fi, wireless LAN, etc.) to charge the prepaid card function in the wireless terminal 100.

2 is a simplified block diagram of a terminal 105 according to a preferred embodiment of the present invention.

According to FIG. 2, a preferred terminal 105 according to the present invention includes an interface 200 for receiving prepaid card balance information and wireless terminal unique information from a wireless terminal 100 equipped with a prepaid card function, and the interface 200. When the prepaid card balance information received through the) to determine whether to charge the prepaid card and the determination unit 205, the determination unit 205 as a result of the determination, if the prepaid card needs to be charged, the wireless It characterized in that it comprises a transmitting unit 210 for transmitting a predetermined prepaid card charging message to the wireless terminal 100 using the terminal unique information.

Preferably, the interface 200, a predetermined short-range communication means (for example, RF, infrared, Bluetooth, Wi-Fi, WLAN, etc.) for receiving the prepaid card balance information and wireless terminal specific information from the wireless terminal 100 It is characterized by including.

Preferably, the determination unit 205 is a generic term for an operating system, a terminal control management program, and a terminal agent (Agent) programs that are loaded and / or booted after the terminal 105 is booted. It controls and manages the overall operation of the system. For example, all functions and / or tasks performed through the terminal 105 are performed through the determination unit 205, and the determination unit 205 may include at least one or more function performing units (eg, provided in the terminal 105). , An interface, a local area communication means, a message transmitter, and / or a storage medium) to perform at least one function and / or task.

In particular, the determination unit 205 compares the prepaid card balance information received by the interface 200 with a predetermined charge information provision amount standard, and the charge information provision amount in which the received prepaid card balance information is predetermined. If it does not meet the criteria, it is determined that the charging of the prepaid card is necessary.

When the message transmitter 210 of the terminal 105 determines that the prepaid card needs to be charged as a result of the determination by the determination unit 205, a predetermined prepaid card is transmitted to the wireless terminal 100 using the unique information of the wireless terminal. In transmitting the charge message, the prepaid card charge message includes connection information of a predetermined server or device for charging the prepaid card function in the wireless terminal 100.

The transmitter 210 may provide wireless terminal unique information to a mobile communication company server, and receive wireless terminal communication number information corresponding to the wireless terminal unique information from the mobile communication company server.

In addition, according to the present invention, when the amount of charge stored in the prepaid card is less than a predetermined amount, the terminal 105 provides predetermined charging information to provide the predetermined charging information that the prepaid card needs to be charged to the prepaid card owner client. A storage medium 215 may be further provided to store the price standard.

In addition, according to the present invention, the terminal 105 according to the preferred embodiment has a function of receiving the prepaid card balance information and wireless terminal unique information from the wireless terminal 100 equipped with a prepaid card function, the received prepaid card A function of determining whether the prepaid card is charged by checking balance information and when the prepaid card is required to be charged, charges a predetermined prepaid card to the wireless terminal 100 using the unique information of the wireless terminal. And a recording medium for recording a program for realizing a function of transmitting a message.

Preferably, the terminal 105 includes a traffic fare collecting terminal provided in a bus or subway station.

3 is a simplified block diagram of a wireless terminal 100 according to a preferred embodiment of the present invention.

Referring to FIG. 3, the wireless terminal 100 interworks with the control unit 300, the screen output unit 305, the key input unit 310, the wireless processing unit 320, the memory unit 340, and the IC chip 335. An IC chip interface 330 is provided.

In addition, the wireless terminal 100 is further provided with a short-range communication means 325 (eg, RF, infrared, Bluetooth, Wi-Fi, WLAN, etc.) that can interoperate with the terminal, server or device according to the present invention. It is done.

The controller 300 illustrated in FIG. 3 controls and manages the overall operations of the wireless terminal 100, and commands and processes all functions and / or tasks performed through the wireless terminal 100.

The control unit 300 is a predetermined function control unit for achieving the present invention, characterized in that it is provided with a charging processing unit. The charging processor is an application mounted on the wireless terminal 100 to charge the prepaid card function provided in the wireless terminal 100 in association with an external server 110 or an apparatus or a terminal.

For example, when the charging processing unit connects to the server for charging the prepaid card function through the callback UEL (or access code, etc.) included in the charging message provided from the terminal 105, the predetermined charge amount from the server 110 To charge the prepaid card mounted in the wireless terminal 100.

In addition, when charging using at least one or more payment means stored in the IC chip 335 in the wireless terminal 100, the charging processing unit calls the payment means stored in the IC chip 335, for example, payment means In the case of this credit card, the card is linked with a credit card server to help charge the prepaid card through the credit card.

In addition, the control unit 300, when interworking with the external terminal 105, by providing the prepaid card balance information and the wireless terminal specific information to the terminal, it is possible to use the prepaid card by the terminal.

In addition, the screen output unit 305 of the wireless terminal 100 may include at least one or more key data generated by the key input unit 310 and / or various information and signals generated and / or generated during a control process of the control unit 300. It receives the input and outputs to the screen (for example, LCD (Liquid Crystal Display)) provided in the wireless terminal 100.

The key input unit 310 of the wireless terminal 100 includes a plurality of number keys, a character key for inputting a character, and at least one or more function keys. When the wireless terminal user presses a predetermined key, the corresponding key data is generated and provided to the controller 300.

The wireless processor 320 of the wireless terminal 100 processes radio frequency signals transmitted and received in a wireless communication section between the wireless terminal 100 and a base station on a mobile communication network through a radio frequency (RF).

The voice processing unit 315 of the wireless terminal 100 encodes a voice signal input from a microphone and transmits the encoded audio signal to the wireless processing unit 320 through the control unit 300 and transmits a signal received through the wireless processing unit 320. Decoding (Decoding) includes a function to output as a voice signal to the speaker via the control unit 300. In particular, the voice signal input and output through the voice processor 315 as described above connects voice calls to at least two voice call devices through the voice channel included in the wireless processor 320.

The memory unit 340 may include a predetermined program code for controlling the overall operation of the wireless terminal 100 and a space in which information and / or data input and / or output when an operation by the program code is performed and And / or a generic term for a storage area, typically wireless in the form of read-only memory such as read only memory (ROM) and read / write memory such as electrically erasable and programmable read only memory (EEPROM) or flash memory (FM). It is provided in the terminal 100.

The IC chip 335 of the wireless terminal 100 includes prepaid card storage information and other payment means storage information according to the present invention.

4 is a simple configuration diagram of an IC chip 335 mounted on or detached from the wireless terminal 100 and including prepaid card storage information.

Referring to an IC (Integrated Circuit) chip specification including ISO / IEC 7816 and / or ISO / IEC 14443, the IC chip may include at least one arithmetic processing element (eg, a central processing unit (CPU), a micro process unit (MPU)). ), A coprocessor, and at least one memory element (eg, Read Only Memory (ROM), Random Access Memory (RAM), Electrically Erasable and Programmable Read Only Memory (EEPROM), Flash Memory (FM)), And a bus (BUS) connecting the arithmetic element and the memory element, and the contact and / or contactless contact, etc. for interfacing the IC chip 335 with the wireless terminal 100 through the IC chip interface 330. Consists of In particular, at least one of the memory devices includes a chip operating system (COS) for managing and operating internal resources of the smart card, and at least one of the remaining memory devices includes a smart card service (eg, a prepaid card). At least one digital information for providing payment) is stored.

According to a preferred embodiment of the present invention, referring to the IC chip standard, the smart card file structure for providing a prepaid card (or prepaid card information) prepaid card payment function or the like by communicating with an external terminal according to the present invention is a root file. (Master File; MF) corresponding to the (Root File), at least one Dedicated File (DF) classified according to smart card service and application, and materials for smart card service and / Or an element file (EF) for storing information, etc. The smart card storage information on the smart card file structure includes at least one dedicated file (eg, credit, debit, financial joint) for each smart card service. Network, electronic money (prepaid card), signing certificate, key distribution certificate, etc.) and at least one element file disposed below It consists of groups.

The file structure of the prepaid card mounted on the IC chip of the wireless terminal 100 according to the present invention includes a prepaid card DF (dedicated file), a prepaid card information file (IEP EF), a prepaid card main account information file (PAN EF), and a prepaid card. Card Balance File (BAL EF), Final Purchase Transaction History File (LPT EF), Purchase Transaction History File (PLOG EF), Value Store Transaction History File (LLOG EF), Parameter Update History File (ULOG EF), and Prepaid Cardholder Information File (USER EF) and transfer information file (transfer information EF).

The prepaid card electronic money information file (IEP EF) contains fixed data elements and parameters of the prepaid card that are modified or recorded during the prepaid card service.

A prepaid card main account information file (PAN EF) is a file used to store or charge values in a prepaid card, and is information of a main account connected to the prepaid card.

For example, in the above case, but the embodiment for charging the prepaid card value through the account, but not limited to this, it is specified that the prepaid card value charging can be charged with a credit card, debit card, etc. (for example, PCN (Primary Card) Number) EF).

The prepaid card balance file (BAL EF) contains the amount remaining on the prepaid card, the maximum storage (charge) amount, and the maximum amount that can be withdrawn once, and the prepaid card final purchase transaction file (LPT EF) is the last successful Record one purchase data.

The purchase transaction history file (PLOG EF) records data of at least one or more purchase and cancellation transactions made most recently using a prepaid card.

The value store transaction file (LLOG EF) records at least one value store data including the most recent value store transaction.

The prepaid card parameter update history file (ULOG EF) contains the most recent parameter update data.

The prepaid cardholder information file (User EF) may be applied differently depending on the identity of the prepaid cardholder (e.g., general, middle and high school students, elementary school students, etc.) when using a prepaid card, such as a bus or subway. Record the prepaid cardholder information on the card to identify your identity.

The prepaid card transfer information file (transfer information EF) records information on the card for the fare discount according to the transfer between means of transportation when using the bus or subway.

5 is a simplified structural diagram of a storage medium 215 according to a preferred embodiment of the present invention.

According to the present invention, the storage medium 215 may be located in the terminal 105 or the server, and the terminal 105 or the server checks the wireless terminal prepaid card balance information to determine whether the prepaid card is charged. Provide evidence.

Preferably, the storage medium 215 includes a charging information data file, a charging server (or terminal or device) connection information data file, a transaction information data file, a message transmission history information data file and a B / L (W / L). And an information data file.

The charging information data file of the storage medium 215 is characterized in that it comprises charging amount reference information to determine whether the charge for the prepaid card in the wireless terminal 100 according to the present invention.

For example, when the charge amount reference information is included in the terminal 105 provided on the bus, the storage medium 215 recording the charge amount reference information, the balance of the prepaid card is prepaid in the wireless terminal 100. The card user provides a basis for determining whether there is a minimum balance remaining to pass through the terminal 105.

For example, when the balance amount information is set to "regular or college students" balance is more than 650 won, "junior high school students" balance is more than 490 won and "elementary school students" balance should be more than 250 won, the present invention According to the user who wants to use the prepaid card in the wireless terminal 100 is a college student, the balance remaining 500 won, the terminal 105 or the server according to the charge amount reference information stored in the storage medium 215 It is determined that the prepaid card in the terminal 100 needs to be charged, and the prepaid card charging message is transmitted to the user wireless terminal 100.

In the charging server (or terminal or device) connection information data file, the terminal (for example, when the storage medium is provided with the terminal) checks the prepaid card balance information of the wireless terminal 100, and if the balance information of the prepaid card is When it is determined that the prepaid card is required to be charged because it does not satisfy the charge amount reference information, the wireless terminal 100 transmits a charge message indicating that the prepaid card is required to be included in the charge message. It includes the connection information of the charging server 110 or the charging terminal or the charging device.

For example, the access information is included in the charging message received by the wireless terminal 100 from the terminal 105, and is connected to the charging server 110 via the wireless network (the charging server is present on the wireless network. In this case, it may be a callback UEL or a predetermined connection code.

The transaction information data file includes transaction information in which the prepaid card of the wireless terminal 100 is used through the terminal 105. For example, the transaction information data file includes information such as transaction date and time and / or transaction amount.

The message transmission history information data file includes a history of transmitting a charging message indicating that the prepaid card mounted in the wireless terminal 100 needs to be charged through the terminal 105 or the server having the storage medium 215. For example, the message transmission history may include user information (eg, wireless terminal information) and / or message transmission date and / or charging server 110 (or terminal or device) connection information and / or transmission error information. can do.

In addition, when the storage medium 215 is located in the terminal 105 (eg, a bus or subway toll terminal, etc.), the storage medium 215 may further add a B / L (W / L) information data file. It may include. For example, the B / L (W / L) information is information for determining the validity of the prepaid card installed in the user's wireless terminal 100.

6 is a simple flowchart of a wireless prepaid card charging process according to a preferred embodiment of the present invention.

Referring to FIG. 6, first, in order to activate a prepaid card function in the wireless terminal 100, a predetermined function key (eg, a prepaid card activation key, etc.) or a menu key structure provided in the wireless terminal 100 is provided. Activate the prepaid card function of the wireless terminal 100 through the continuous input of the (600).

When the prepaid card function of the wireless terminal 100 is activated through the above process, for example, the prepaid card function is activated in a predetermined terminal 105 provided in the bus or subway ticket gate to use a bus or subway. The terminal 100 approaches (605).

When the wireless terminal 100 activated with the prepaid card function approaches the terminal 105, a short-range wireless communication session is established between the terminal 105 and the wireless terminal 100 to prepare for a transaction start (610). For example, short-range wireless communication between the terminal 105 and the wireless terminal 100 includes RF communication, infrared communication, Bluetooth communication, Wi-Fi communication, WLAN communication, UWB communication, etc. It can be selected with sufficient consideration within the scope of the present invention.

When a short range wireless communication session is established between the terminal 105 and the wireless terminal 100, the wireless terminal 100 provides prepaid card information such as prepaid card balance information and wireless terminal unique information to the terminal (615). In addition, the transfer information of the prepaid card of the wireless terminal 100 may be further provided to the terminal 105.

For example, the transfer information is to apply a predetermined discount rate generated when the prepaid card user uses a means of transportation such as a bus or subway before a predetermined time and continuously transfers to another means of transportation.

The terminal 105 determines whether the prepaid card is charged by comparing the prepaid card balance information and the like received from the wireless terminal 100 with reference to the charge information provision amount pre-stored in the storage medium 215 (620). ).

If the remaining balance in the prepaid card is insufficient compared to the charge information providing amount standard, the terminal 105 determines that the prepaid card needs to be charged (625), and the prepaid card of the wireless terminal 100 In operation 630, a predetermined charging message indicating a charging confirmation for the mobile station is generated.

Preferably, in generating the charging message, the terminal 105 includes a predetermined charging server 110 according to the present invention so that the user has a more convenient charging process interface through the wireless terminal 100 in the charging message. Connection information such as a charging terminal is included.

For example, when the terminal 105 includes connection information such as a charging server 110 or a charging terminal in the charging message, the terminal 105 may transmit wireless terminal information and / or prepaid card information of the user. On the basis of this, the connection information of the appropriate charging server 110 or the charging terminal may be extracted to include the charging message.

The terminal 105 transmits the generated prepaid card charging message through wireless short range communication based on wireless terminal unique information obtained from the wireless terminal 100 or when the prepaid card is used, the wireless terminal 100. And transmits to the wireless terminal 100 via a predetermined wireless short-range communication session (635).

Upon receiving the prepaid card charging message from the terminal 105, the wireless terminal 100 checks, for example, callback UEL information (or charging device (terminal) connection information) included in the charging message (640), and the confirmed The mobile terminal accesses the charging server 110 (or the terminal or the device) based on the callback UEL information (or charging device access information) (645).

Subsequently, the wireless terminal 100 requests the prepaid card charging to the charging server 110 (or device or terminal) (650), the charging server (or terminal or device) is sent from the wireless terminal 100 The wireless terminal 100 charges the prepaid card according to the requested amount of money information (655).

For example, in charging the prepaid card of the wireless terminal 100, the prepaid card is used by using account information associated with the prepaid card and / or using card information in the wireless terminal 100 chip. It can be charged.

7 is a simplified block diagram of a wireless prepaid card charging system according to another embodiment of the present invention.

7, the wireless prepaid card charging system according to the preferred embodiment is characterized in that it comprises a wireless terminal 100 and the terminal.

The wireless terminal 100 is characterized in that the mounting or detachment of a predetermined IC chip 335 equipped with the prepaid card function, and provides the prepaid card balance information and wireless terminal unique information to the terminal 105 And a predetermined short range communication means.

In addition, the wireless terminal 100 performs a prepaid card function charging process in response to a charging message provided from a predetermined server 700.

For example, performing the prepaid card function charging process in response to the charge message provided from the server 700, the server 110 to charge the prepaid card function through the predetermined server 110 connection information included in the charge message The prepaid card function charging process and / or the prepaid card function charging process using at least one or more payment means stored in the financial IC chip 335 in the wireless terminal 100 and / or A prepaid card function charging process may be performed by connecting to a device or a terminal for charging the prepaid card function through a predetermined short-range communication means.

The terminal 105 receives the prepaid card balance information and the wireless terminal unique information from the wireless terminal 100, and determines whether the prepaid card is charged by checking the received prepaid card balance information. When the prepaid card needs to be charged, the received prepaid card balance information and the unique information of the wireless terminal are provided to the server 700.

In addition, the terminal 105 is characterized in that it comprises a predetermined short-range communication means for receiving the prepaid card balance information and wireless terminal specific information from the wireless terminal 100.

Preferably, the terminal 105 compares the received prepaid card balance information with a predetermined charge information provision amount basis, and when the received prepaid card balance information does not meet the predetermined charge information provision amount basis, the prepaid If it is determined that the card needs to be charged and the amount of charge stored in the prepaid card is equal to or less than a predetermined amount, the predetermined charge information provision amount basis for providing the prepaid card charging information to the prepaid card owner is required. It includes a storage medium 215 for storing the.

The server 700 transmits a predetermined prepaid card charging message to the wireless terminal 100 based on the prepaid card balance information and the wireless terminal unique information provided from the terminal 105. To this end, the server 700 may provide the wireless terminal unique information to a mobile telecommunication company server, and receive wireless terminal communication number information corresponding to the wireless terminal unique information from the mobile telecommunication company server.

In addition, the server 700 may charge the prepaid card function in the wireless terminal 100 through a wireless communication network when the wireless terminal 100 performs the prepaid card function charging process in response to the charging message. .

Preferably, the server comprises a mobile communication company server and / or financial company server.

In addition, the wireless prepaid card charging system according to the present embodiment, when performing the prepaid card function charging process in response to the charging message provided from the server 700 in the wireless terminal 100, the wireless terminal ( When performing the prepaid card function charging process in response to the charging message provided from the server (2) (110) and / or the wireless terminal 100 to charge the prepaid card function in the 100, the wireless terminal (100) ) Further comprises a terminal 2 or a device for charging the prepaid card function.

For example, the terminal 2 or the device may charge the prepaid card function in the wireless terminal 100 through a short range communication means.

8 is a simplified flowchart of a wireless prepaid card charging process according to another preferred embodiment of the present invention.

According to FIG. 8, the process of this embodiment includes a predetermined function key (eg, prepaid card activation key, etc.) or menu structure provided in the wireless terminal 100 to activate the prepaid card function in the wireless terminal 100. It is initiated by activating the prepaid card function of the wireless terminal 100 through the continuous input of the key, etc. (800).

When the prepaid card function of the wireless terminal 100 is activated through the above process, for example, the prepaid card function is activated in a predetermined terminal 105 provided in the bus or subway ticket gate to use a bus or subway. The terminal 100 is approached (805).

When the wireless terminal 100 having the prepaid card function activated approaches the terminal 105, a short range wireless communication session is established between the terminal 105 and the wireless terminal 100 to prepare for a transaction start (810). For example, short-range wireless communication between the terminal 105 and the wireless terminal 100 includes RF communication, infrared communication, Bluetooth communication, Wi-Fi communication, WLAN communication, UWB communication, etc. It can be selected with sufficient consideration within the scope of the present invention.

When a short range wireless communication session is established between the terminal 105 and the wireless terminal 100, the wireless terminal 100 provides the terminal 105 with prepaid card information such as prepaid card balance information and wireless terminal unique information ( 815). In addition, the transfer information of the prepaid card of the wireless terminal 100 may be further provided to the terminal 105.

For example, the transfer information is to apply a predetermined discount rate generated when the prepaid card user uses a means of transportation such as a bus or subway before a predetermined time and continuously transfers to another means of transportation.

The terminal 105 determines whether the prepaid card is charged by comparing the prepaid card balance information and the like received from the wireless terminal 100 with reference to the charge information provision amount pre-stored in the storage medium 215 (820). ).

If the remaining balance in the prepaid card is insufficient compared to the charge information providing amount standard, the terminal 105 determines that the prepaid card needs to be charged (825), and the prepaid card of the wireless terminal 100 In operation 830, a prepaid card balance information obtained from the wireless terminal 100 and unique information of the wireless terminal are provided to a predetermined server 700 for generating a predetermined charging message informing of charging confirmation.

For example, the prepaid card information and the wireless terminal unique information transmitted by the terminal 105 to the server 700 include unidirectional and two-way wireless network communications, and further include an internet network, a telephone network, a dedicated wire network, and the like. .

The server 700 receives the prepaid card balance information and the wireless terminal specific information from the terminal 105 and generates a prepaid card charging message to be transmitted to the wireless terminal 100 (835). For example, in generating the charging message, the server 700 may charge the predetermined charging server 110 or the charging according to the present invention so that the user has a more convenient charging process interface through the wireless terminal 100. It is preferable to include connection information such as a terminal.

For example, the server 700 includes connection information such as a predetermined charging server 110 or a charging terminal in the charging message, and the appropriate charging server based on the wireless terminal information and / or prepaid card information of the user. It is noted that the charging message may be included in the extracted 110 or the connection information of the charging terminal.

The server 700 transmits the generated prepaid card charging message through wireless network communication or the like based on unique wireless terminal information obtained from the terminal 105 (840).

The wireless terminal 100 receiving the prepaid card charging message from the server 700 checks, for example, callback UEL information (or charging device (terminal) connection information) included in the charging message (845), and the confirmation. Connected to the charging server 110 (or the terminal or the device) based on the received callback UEL information (or the charging device access information) (850), and requests the prepaid card to charge the charging server 110 (or the device or the terminal). (855).

The charging server 110 (or terminal or device) charges the prepaid card of the wireless terminal 100 according to the predetermined amount information requested by the wireless terminal 100 (860). For example, in charging the prepaid card of the wireless terminal 100, the prepaid card may be charged using account information associated with the prepaid card and / or card information in the wireless terminal chip. have.

Figure 9 is a simplified block diagram of a wireless prepaid card charging system according to another embodiment of the present invention.

Referring to FIG. 9, a wireless prepaid card charging system according to another preferred embodiment receives a wireless terminal 100 equipped with a prepaid card function and prepaid card balance information and wireless terminal unique information from the wireless terminal 100. The terminal 105 provides the received prepaid card balance information and the wireless terminal unique information to the server 900 and the prepaid card balance information provided from the terminal 105 to determine whether the prepaid card is charged. And, as a result of the determination, when charging the prepaid card, characterized in that it comprises a server 900 for transmitting a predetermined prepaid card charging message to the wireless terminal 100 using the unique information of the wireless terminal. do.

Preferably, the wireless terminal 100 is characterized in that the mounting or detachment of a predetermined IC chip 335 equipped with the prepaid card function, the prepaid card balance information and wireless terminal specific information to the terminal 105 It characterized in that it comprises a predetermined short-range communication means for providing.

In addition, the wireless terminal 100 is characterized in that for performing the prepaid card function charging processing in response to the charging message provided from the server 900.

Preferably, performing the prepaid card function charging process in response to the charge message provided from the server 900 according to the embodiment shown in FIG. 8, the prepaid through the predetermined server connection information included in the charge message. The prepaid card function is connected to a server 110 that charges a card function to perform a prepaid card function charging process and / or at least one or more payment means stored in the financial IC chip 335 in the wireless terminal 100. And charging the prepaid card function through a predetermined short range communication means and / or connected to a device or a terminal for charging the prepaid card function.

Preferably, the terminal 105 has a predetermined short-range communication means for receiving the prepaid card balance information and the wireless terminal unique information from the wireless terminal 100, and is a traffic toll collection terminal provided in a bus or subway station It is characterized by.

According to a preferred embodiment of the figure, the terminal 105 is an interface for receiving prepaid card balance information and wireless terminal specific information from the wireless terminal 100 equipped with a prepaid card function and the prepaid card balance received through the interface. And a transmission unit for providing the information and the unique information of the wireless terminal to the server 900 on the wired / wireless network.

The interface of the terminal 105 is characterized in that it comprises a predetermined short-range communication means for receiving prepaid card balance information and wireless terminal specific information from the wireless terminal 100.

In addition, the terminal 105 receives the prepaid card balance information and the wireless terminal unique information from the wireless terminal 100 equipped with a prepaid card function, and the prepaid card balance information and the wireless terminal unique information received through the interface. And a recording medium recording a program for realizing the function of transmitting the data to the server 900 on the wired / wireless network.

Preferably, the server 900 compares the prepaid card balance information provided from the terminal 105 with a predetermined charge information provision amount standard, and the provided prepaid card balance information does not meet the predetermined charge information provision amount standard. If the prepaid card is charged, it is characterized in that it comprises a determination unit for determining that the charge is necessary, and if the amount of charge stored in the prepaid card is less than a certain amount, the prepaid card charge is required to the prepaid card owner client It characterized in that it comprises a storage medium 215 for storing a predetermined charge information providing amount basis to provide the predetermined charging information.

In addition, the server 900 provides the wireless terminal unique information to a mobile communication company server, receives wireless terminal communication number information corresponding to the wireless terminal unique information from the mobile communication company server, the wireless terminal 100 In the case of performing the prepaid card function charging process in response to the charging message, characterized in that for charging the prepaid card function in the wireless terminal 100 through a wireless communication network.

Preferably, it is noted that the server 900 may include a mobile communication company server and / or a financial company server.

10 is a simple flowchart of a wireless prepaid card charging process according to another preferred embodiment of the present invention.

The wireless prepaid card charging process according to another exemplary embodiment shown in FIG. 10 is preceded by a process of activating a prepaid card function in the wireless terminal 100. For example, a predetermined function key (for example, a predetermined function key provided in the wireless terminal 100) may be used. The prepaid card function of the wireless terminal 100 is activated through continuous input of a key having a menu structure.

When the prepaid card function of the wireless terminal 100 is activated through the above process, for example, the prepaid card function is activated in a predetermined terminal 105 provided in the bus or subway ticket gate to use a bus or subway. The terminal 100 approaches (1005).

When the wireless terminal 100 activated with the prepaid card function approaches the terminal 105, a short-range wireless communication session is established between the terminal 105 and the wireless terminal 100 to prepare for transaction initiation (1010). For example, short-range wireless communication between the terminal 105 and the wireless terminal 100 includes RF communication, infrared communication, Bluetooth communication, Wi-Fi communication, WLAN communication, UWB communication, etc. It can be selected with sufficient consideration within the scope of the present invention.

When a short range wireless communication session is established between the terminal 105 and the wireless terminal 100, the wireless terminal 100 provides the terminal 105 with prepaid card information such as prepaid card balance information and wireless terminal unique information ( 1015).

The terminal 105 provides the prepaid card information and the wireless terminal unique information provided from the wireless terminal 100 to a predetermined server 900 that determines whether to charge the prepaid card of the wireless terminal 100. (1020).

For example, the prepaid card information and the wireless terminal unique information transmitted from the terminal 105 to the server 900 include unidirectional and two-way wireless network communication, and further include an internet network, a telephone network, a dedicated wire network, and the like. .

The server 900 determines whether the prepaid card is charged by comparing the prepaid card balance information provided from the terminal 105 with reference to the charge information provision amount pre-stored in the storage medium (1025).

If the remaining balance in the prepaid card is insufficient compared to the charge information providing amount standard, the server 900 determines that the prepaid card needs to be charged (1030), and a predetermined message for notifying the prepaid card is confirmed. Generate a charging message (1035).

For example, in generating the charging message, the server 900 includes a predetermined charging server or a charging terminal according to the present invention such that the user has a more convenient charging process interface through the wireless terminal 100 in the charging message. It is desirable to include connection information. In addition, the server 900 may include connection information such as a predetermined charging server 110 or a charging terminal in the charging message, and may include an appropriate charging server based on wireless terminal information and / or prepaid card information of the user. 110) or extracts the connection information of the charging terminal to include the charging message.

The server 110 transmits the generated prepaid card charging message to the wireless terminal 100 through wireless network communication or the like based on wireless terminal unique information obtained from the terminal 105 (1040). Upon receiving the prepaid card charging message from the 900, the wireless terminal 100 checks, for example, callback UEL information (or charging device (terminal) connection information) included in the charging message (1045).

The wireless terminal 100 accesses the charging server 110 (or the terminal or the device) based on the identified callback UEL information (or charging device access information) (1050), and the charging server 110 (or the device). Or charging the prepaid card to the terminal (1055), the charging server 110 (or the terminal or device) charges the prepaid card of the wireless terminal 100 according to the predetermined amount information requested by the wireless terminal 100 It is performed (1060).

For example, in charging the prepaid card of the wireless terminal 100, the prepaid card is used by using account information associated with the prepaid card and / or using card information in the wireless terminal 100 chip. It can be charged.

According to the present invention, by providing a method and system for charging a wireless prepaid card to automatically determine the remaining balance to be charged for the problem, such as a lack of balance that may occur while using the prepaid card mounted on the wireless terminal,

The user can easily charge the prepaid card mounted in the wireless terminal.

In addition, by providing a convenient and simple interface for the charging process of the prepaid card, card operators and terminal operators have the advantage that the base of the prepaid card can be expanded and the resulting sales increase.

1 is a simplified block diagram of a wireless prepaid card charging system according to a preferred embodiment of the present invention.

2 is a simplified block diagram of a terminal according to a preferred embodiment of the present invention.

3 is a simplified block diagram of a wireless terminal according to a preferred embodiment of the present invention.

4 is a simple configuration diagram of an IC chip mounted on or detached from a wireless terminal and including prepaid card storage information.

5 is a simplified structural diagram of a storage medium according to a preferred embodiment of the present invention.

6 is a simple flowchart of a wireless prepaid card charging process according to a preferred embodiment of the present invention.

Figure 7 is a simplified block diagram of a wireless prepaid card charging system according to another embodiment of the present invention.

8 is a simplified flowchart of a wireless prepaid card charging process according to another preferred embodiment of the present invention.

Figure 9 is a simplified block diagram of a wireless prepaid card charging system according to another preferred embodiment of the present invention.

10 is a simple flowchart of a wireless prepaid card charging process according to another preferred embodiment of the present invention.

<Description of main parts of drawing>

100: wireless terminal 105: terminal

110: charge server

Claims (89)

A wireless terminal equipped with a prepaid card function; And Receiving prepaid card balance information and wireless terminal unique information from the wireless terminal, and checking the received prepaid card balance information to determine whether the prepaid card is charged, and when it is determined that the prepaid card needs to be charged, And a terminal for transmitting a predetermined prepaid card charging message to the wireless terminal using the unique information of the wireless terminal. The method of claim 1, wherein the wireless terminal, Wireless prepaid card charging system, characterized in that the mounting or detachment of a predetermined IC chip equipped with the prepaid card function. The method of claim 1, wherein the wireless terminal, And a predetermined short-range communication means for providing the prepaid card balance information and the wireless terminal unique information to the terminal. The method of claim 1, wherein the wireless terminal, Wireless prepaid card charging system, characterized in that for performing the prepaid card function charging processing in response to the charging message provided from the terminal. The method of claim 4, wherein the prepaid card function charging process is performed in response to the charging message provided from the terminal. Wireless prepaid card charging system, characterized in that for performing the prepaid card function charging process by connecting to the server to charge the prepaid card function through the callback UEL included in the charge message. The method of claim 4, wherein the prepaid card function charging process is performed in response to the charging message provided from the terminal. Wireless prepaid card charging system characterized in that for performing the prepaid card function charging processing using at least one payment means stored in the financial IC chip in the wireless terminal. The method of claim 4, wherein the prepaid card function charging process is performed in response to the charging message provided from the terminal. Wireless prepaid card charging system, characterized in that for performing the prepaid card function charging process by connecting to a device or a terminal for charging the prepaid card function through a predetermined short-range communication means. The method of claim 1 or 5, wherein the charging message, Wireless prepaid card charging system comprising the connection information of the server or device for charging the prepaid card function in the wireless terminal. According to claim 1, The wireless prepaid card charging system, The wireless prepaid card further comprises a server for charging the prepaid card function in the wireless terminal through a wireless communication network when performing the prepaid card function charging processing in response to the charging message provided from the terminal. Charging system. According to claim 1, The wireless prepaid card charging system, The wireless prepaid card charging system further comprises a terminal or a device for charging the prepaid card function in the wireless terminal when the wireless terminal performs the prepaid card function charging process in response to the charging message provided from the terminal. . The method of claim 10, wherein the terminal or device, Wireless prepaid card charging system characterized in that for charging the prepaid card function in the wireless terminal through a short-range communication means. The method of claim 1, wherein the terminal, And a predetermined short-range communication means for receiving prepaid card balance information and unique wireless terminal information from the wireless terminal. The method of claim 3 or 7, or 11 or 12, wherein the short-range communication means, Wireless prepaid card charging system comprising an RF communication means. The method of claim 1, wherein the terminal, Comparing the received prepaid card balance information and the predetermined charge information provision amount basis, if the received prepaid card balance information does not meet the predetermined charge information provision amount criteria, it is determined that the prepaid card needs to be charged. Wireless prepaid card charging system, characterized in that. The method of claim 1 or 14, wherein the terminal, If the amount of charge stored in the prepaid card is less than a certain amount, characterized in that it comprises a storage medium for storing a predetermined amount of charge information provision amount to provide the predetermined charge information that the prepaid card needs to charge the prepaid card owner client Wireless prepaid card charging system. The method of claim 1, wherein the unique information of the wireless terminal, Wireless prepaid card charging system comprising the communication number information of the wireless terminal. The method of claim 1, wherein the terminal, And providing wireless terminal specific information to a mobile communication company server, and receiving wireless terminal communication number information corresponding to the wireless terminal unique information from the mobile communication company server. The method of claim 1, wherein the terminal, Wireless prepaid card charging system, characterized in that the transportation toll terminal provided in the bus or subway station. An interface for receiving prepaid card balance information and unique information of the wireless terminal from a wireless terminal equipped with a prepaid card function; A determination unit which checks the prepaid card balance information received through the interface and determines whether the prepaid card is charged; And a transmission unit for transmitting a predetermined prepaid card charging message to the wireless terminal by using the unique information of the wireless terminal when it is necessary to charge the prepaid card as a result of the determination of the determination unit. The method of claim 19, wherein the interface, And predetermined short-range communication means for receiving prepaid card balance information and unique wireless terminal information from the wireless terminal. The method of claim 20, wherein the near field communication means, Terminal device comprising an RF communication means. The method of claim 19, wherein the determination unit, When the prepaid card balance information received by the interface is compared with a predetermined charge information provision amount standard, and the received prepaid card balance information does not meet the predetermined charge information provision amount criterion, the charging of the prepaid card is Terminal device, characterized in that determined to be necessary. The terminal device of claim 19, wherein the terminal device comprises: If the amount of charge stored in the prepaid card is less than a certain amount, further comprises a storage medium for storing a predetermined amount of charge information providing amount to provide the prepaid card charging information that the prepaid card needs to be charged to the prepaid card owner client Terminal device. The method of claim 19, wherein the unique information of the wireless terminal, Terminal device comprising the communication number information of the wireless terminal. The method of claim 19, wherein the charging message, Terminal device comprising the connection information of the server or device for charging the prepaid card function in the wireless terminal. The method of claim 19, wherein the transmission unit, And providing wireless terminal unique information to a mobile communication company server, and receiving wireless terminal communication number information corresponding to the wireless terminal unique information from the mobile communication company server. The terminal device of claim 19, wherein the terminal device comprises: Terminal device, characterized in that the traffic charge terminal provided in the bus or subway station. Receiving prepaid card balance information and wireless terminal specific information from a wireless terminal equipped with a prepaid card function; Determining whether the prepaid card is charged by checking the received prepaid card balance information; And, if it is determined that the prepaid card needs to be charged, transmitting a predetermined prepaid card charging message to the wireless terminal using the unique information of the wireless terminal. A wireless terminal equipped with a prepaid card function; And Receiving prepaid card balance information and wireless terminal unique information from the wireless terminal, and checking the received prepaid card balance information to determine whether the prepaid card is charged, and when it is determined that the prepaid card needs to be charged, A terminal providing the received prepaid card balance information and the wireless terminal specific information to a server; And And a server for transmitting a predetermined prepaid card charging message to the wireless terminal based on the prepaid card balance information received from the terminal and the unique information of the wireless terminal. The method of claim 29, wherein the wireless terminal, Wireless prepaid card charging system, characterized in that the mounting or detachment of a predetermined IC chip equipped with the prepaid card function. The method of claim 29, wherein the wireless terminal, And a predetermined short-range communication means for providing the prepaid card balance information and the wireless terminal unique information to the terminal. The method of claim 29, wherein the wireless terminal, Wireless prepaid card charging system, characterized in that for performing the prepaid card function charging processing in response to the charging message provided from the server. 33. The method of claim 32, wherein the prepaid card function charging process is performed in response to the charging message provided from the server. Wireless prepaid card charging system, characterized in that for performing the prepaid card function charging process by connecting to the server to charge the prepaid card function through the predetermined server connection information included in the charge message. 33. The method of claim 32, wherein the prepaid card function charging process is performed in response to the charging message provided from the server. Wireless prepaid card charging system characterized in that for performing the prepaid card function charging processing using at least one payment means stored in the financial IC chip in the wireless terminal. 33. The method of claim 32, wherein the prepaid card function charging process is performed in response to the charging message provided from the server. Wireless prepaid card charging system, characterized in that for performing the prepaid card function charging process by connecting to a device or a terminal for charging the prepaid card function through a predetermined short-range communication means. The method of claim 29, wherein the charging message, Wireless prepaid card charging system comprising the connection information of the server or device for charging the prepaid card function in the wireless terminal. 30. The method of claim 29, wherein the wireless prepaid card charging system, The wireless terminal further comprises a server (2) for charging the prepaid card function in the wireless terminal through a wireless communication network when performing the prepaid card function charging processing corresponding to the charging message provided from the server. Wireless prepaid card charging system. 30. The method of claim 29, wherein the wireless prepaid card charging system, The wireless terminal further comprises a terminal 2 or a device for charging the prepaid card function in the wireless terminal when the wireless terminal performs the prepaid card function charging processing in response to the charging message provided from the server. Card charging system. The method of claim 38, wherein the terminal (2) or device, Wireless prepaid card charging system characterized in that for charging the prepaid card function in the wireless terminal through a short-range communication means. The method of claim 29, wherein the terminal, And a predetermined short-range communication means for receiving prepaid card balance information and unique wireless terminal information from the wireless terminal. 41. The method of claim 31 or 35 or 39 or 40, wherein the short-range communication means, Wireless prepaid card charging system comprising an RF communication means. The method of claim 29, wherein the terminal, Comparing the received prepaid card balance information and the predetermined charge information provision amount basis, if the received prepaid card balance information does not meet the predetermined charge information provision amount criteria, it is determined that the prepaid card needs to be charged. Wireless prepaid card charging system, characterized in that. 43. The method of claim 29 or 42, wherein the terminal, If the amount of charge stored in the prepaid card is less than a certain amount, characterized in that it comprises a storage medium for storing a predetermined amount of charge information provision amount to provide the predetermined charge information that the prepaid card needs to charge the prepaid card owner client Wireless prepaid card charging system. The method of claim 29, wherein the unique information of the wireless terminal, Wireless prepaid card charging system comprising the communication number information of the wireless terminal. The method of claim 29, wherein the terminal, Wireless prepaid card charging system, characterized in that the transportation toll terminal provided in the bus or subway station. The method of claim 29, wherein the server, And providing wireless terminal specific information to a mobile communication company server, and receiving wireless terminal communication number information corresponding to the wireless terminal unique information from the mobile communication company server. The method of claim 29, wherein the server, And charging the prepaid card function in the wireless terminal through a wireless communication network when the wireless terminal performs the prepaid card function charging process in response to the charging message. The method of claim 29, wherein the server, Wireless prepaid card charging system comprising a mobile carrier server and / or financial company server. A wireless terminal equipped with a prepaid card function; And A terminal receiving prepaid card balance information and wireless terminal unique information from the wireless terminal and providing the received prepaid card balance information and wireless terminal unique information to a server; And It is determined whether the prepaid card is charged by checking the prepaid card balance information provided from the terminal. When it is necessary to charge the prepaid card, a predetermined prepaid payment is made to the wireless terminal using the unique information of the wireless terminal. Server for transmitting a card charging message; Wireless prepaid card charging system comprising a. The method of claim 49, wherein the wireless terminal, Wireless prepaid card charging system, characterized in that the mounting or detachment of a predetermined IC chip equipped with the prepaid card function. The method of claim 49, wherein the wireless terminal, And a predetermined short-range communication means for providing the prepaid card balance information and the wireless terminal unique information to the terminal. The method of claim 49, wherein the wireless terminal, Wireless prepaid card charging system, characterized in that for performing the prepaid card function charging processing in response to the charging message provided from the server. 53. The method of claim 52, wherein the prepaid card function charging processing is performed in response to a charging message provided from the server. Wireless prepaid card charging system, characterized in that for performing the prepaid card function charging process by connecting to the server to charge the prepaid card function through the predetermined server connection information included in the charge message. 53. The method of claim 52, wherein the prepaid card function charging processing is performed in response to a charging message provided from the server. Wireless prepaid card charging system characterized in that for performing the prepaid card function charging processing using at least one payment means stored in the financial IC chip in the wireless terminal. 53. The method of claim 52, wherein the prepaid card function charging processing is performed in response to a charging message provided from the server. Wireless prepaid card charging system, characterized in that for performing the prepaid card function charging process by connecting to a device or a terminal for charging the prepaid card function through a predetermined short-range communication means. The method of claim 49, wherein the charging message, Wireless prepaid card charging system comprising the connection information of the server or device for charging the prepaid card function in the wireless terminal. The method of claim 49, wherein the wireless prepaid card charging system, And performing a prepaid card function charging process in response to the charging message in the wireless terminal, further comprising a server (2) for charging the prepaid card function in the wireless terminal through a wireless communication network. system. The method of claim 49, wherein the wireless prepaid card charging system, The wireless terminal further comprises a terminal 2 or a device for charging the prepaid card function in the wireless terminal when the wireless terminal performs the prepaid card function charging processing in response to the charging message provided from the server. Card charging system. The device of claim 58, wherein the terminal 2 or the device comprises: Wireless prepaid card charging system characterized in that for charging the prepaid card function in the wireless terminal through a short-range communication means. The method of claim 49, wherein the terminal, And a predetermined short-range communication means for receiving prepaid card balance information and unique wireless terminal information from the wireless terminal. 61. The method of claim 51 or 55 or 59 or 60, wherein the near field communication means, Wireless prepaid card charging system comprising an RF communication means. The method of claim 49, wherein the terminal, Wireless prepaid card charging system, characterized in that the transportation toll terminal provided in the bus or subway station. The method of claim 49, wherein the unique information of the wireless terminal, Wireless prepaid card charging system comprising the communication number information of the wireless terminal. The method of claim 49, wherein the server, The prepaid card balance information provided from the terminal is compared with the predetermined charge information provision amount standard, and when the provided prepaid card balance information does not meet the predetermined charge information provision amount criterion, it is determined that the prepaid card is charged. Wireless prepaid card charging system characterized in that it comprises a determination unit to. The method of claim 49 or 64, wherein the server, If the amount of charge stored in the prepaid card is less than a certain amount, characterized in that it comprises a storage medium for storing a predetermined amount of charge information provision amount to provide the predetermined charge information that the prepaid card needs to charge the prepaid card owner client Wireless prepaid card charging system. The method of claim 49, wherein the server, And providing wireless terminal specific information to a mobile communication company server, and receiving wireless terminal communication number information corresponding to the wireless terminal unique information from the mobile communication company server. The method of claim 49, wherein the server, And charging the prepaid card function in the wireless terminal through a wireless communication network when the wireless terminal performs the prepaid card function charging process in response to the charging message. The method of claim 49, wherein the server, Wireless prepaid card charging system comprising a mobile carrier server and / or financial company server. An interface for receiving prepaid card balance information and unique information of the wireless terminal from a wireless terminal equipped with a prepaid card function; And And a transmission unit for providing the prepaid card balance information and the wireless terminal unique information received through the interface to a server on a wired / wireless network. 70. The method of claim 69, wherein the interface is And predetermined short-range communication means for receiving prepaid card balance information and unique wireless terminal information from the wireless terminal. The method of claim 70, wherein the near field communication means, Terminal device comprising an RF communication means. The method of claim 69, wherein the unique information of the wireless terminal, Terminal device comprising the communication number information of the wireless terminal. 70. The method of claim 69, wherein the terminal device, Terminal device, characterized in that the traffic charge terminal provided in the bus or subway station. Receiving prepaid card balance information and wireless terminal specific information from a wireless terminal equipped with a prepaid card function; And a program for realizing a function of transmitting the prepaid card balance information and the wireless terminal unique information received through the interface to a server on a wired / wireless network. Providing balance information of a prepaid card provided in the wireless terminal and unique information of the wireless terminal to a predetermined terminal from a wireless terminal; Determining whether the prepaid card is charged by checking the received prepaid card balance information in the terminal; And, if it is determined that the prepaid card needs to be charged, transmitting a predetermined prepaid card charging message from the terminal to the wireless terminal using the unique information of the wireless terminal. Way. The method of claim 75, wherein the wireless prepaid card charging method, And performing a prepaid card function charging process in response to a charging message provided from the terminal in the wireless terminal. 76. The method of claim 75, wherein providing the balance information of the prepaid card provided in the wireless terminal and the unique information of the wireless terminal from the wireless terminal to a predetermined terminal, And charging balance information of a prepaid card provided in the wireless terminal and unique information of the wireless terminal through a predetermined short distance communication from the wireless terminal to the terminal. The method of claim 75, wherein the determining of whether the prepaid card is charged by checking the received prepaid card balance information in the terminal comprises: Comparing, at the terminal, the received prepaid card balance information with a predetermined charge information provision amount standard; And And determining that the prepaid card needs to be charged if the received prepaid card balance information does not meet a predetermined charge information provision amount standard. 76. The method of claim 75, wherein the terminal, Wireless prepaid card charging method, characterized in that the terminal is provided with a transportation fee collection terminal in the bus or subway station. Providing balance information of a prepaid card provided in the wireless terminal and unique information of the wireless terminal to a predetermined terminal from a wireless terminal; Determining whether the prepaid card is charged by checking the received prepaid card balance information in the terminal; If it is determined that the prepaid card needs to be charged, the terminal providing the prepaid card balance information and the wireless terminal unique information to a server; And And transmitting, by the server, a predetermined prepaid card charging message to the wireless terminal based on the prepaid card balance information and the wireless terminal unique information provided from the terminal. 81. The method of claim 80, wherein the wireless prepaid card charging method, And performing a prepaid card function charging process in response to a charging message provided from the server in the wireless terminal. 81. The method of claim 80, wherein providing the balance information of the prepaid card provided in the wireless terminal and the unique information of the wireless terminal from the wireless terminal to a predetermined terminal, And charging balance information of a prepaid card provided in the wireless terminal and unique information of the wireless terminal through a predetermined short distance communication from the wireless terminal to the terminal. The method of claim 80, wherein the determining of whether the prepaid card is charged by checking the received prepaid card balance information in the terminal comprises: Comparing, at the terminal, the received prepaid card balance information with a predetermined charge information provision amount standard; And And determining that the prepaid card needs to be charged if the received prepaid card balance information does not meet a predetermined charge information provision amount standard. 81. The method of claim 80, wherein the terminal, Wireless prepaid card charging method, characterized in that the terminal is provided with a transportation fee collection terminal in the bus or subway station. Providing balance information of a prepaid card provided in the wireless terminal and unique information of the wireless terminal to a predetermined terminal from a wireless terminal; Providing, by the terminal, the received prepaid card balance information and wireless terminal specific information to a server; Determining whether the prepaid card is charged by checking the prepaid card balance information provided from the terminal at the server; And, if it is determined that the prepaid card needs to be charged, transmitting a predetermined prepaid card charging message to the wireless terminal by using the wireless terminal specific information provided from the terminal in the server. Wireless prepaid card charging method. 86. The method of claim 85, wherein the wireless prepaid card charging method, And performing a prepaid card function charging process in response to a charging message provided from the server in the wireless terminal. 86. The method of claim 85, wherein providing the balance information of the prepaid card provided in the wireless terminal and the unique information of the wireless terminal from the wireless terminal to a predetermined terminal, And charging balance information of a prepaid card provided in the wireless terminal and unique information of the wireless terminal through a predetermined short distance communication from the wireless terminal to the terminal. 86. The method of claim 85, wherein the checking of the received prepaid card balance information by the server to determine whether the prepaid card is charged or not, Comparing, at the server, the received prepaid card balance information with a predetermined charge information provision amount standard; And And determining that the prepaid card needs to be charged if the received prepaid card balance information does not meet a predetermined charge information provision amount standard. 86. The apparatus of claim 85, wherein the terminal is Wireless prepaid card charging method, characterized in that the terminal is provided with a transportation fee collection terminal in the bus or subway station.