KR102474128B1 - Method for usage approval of server-account based offline physical prepaid card - Google Patents

Abstract

a sum of transaction amounts paid by the first card is calculated using a set of card transaction records for the first card received from a set of payment terminals; After updating the balance of the first advance payment account for 1 card, the financial server is requested to pay a predetermined charge amount associated with the first advance payment account, and the balance of the first advance payment account is updated again according to the result of the payment. There is a door to prepare a blacklist and transmit the blacklist to at least one payment terminal capable of making a payment with the first card, and according to the balance of the first advance payment account updated again, A server and a card are disclosed to determine whether or not to include the first card in the blacklist.

Description

{Method for usage approval of server-account based offline physical prepaid card}

The present invention relates to a technology for using a server together in authenticating the use and payment of a physical bill payment card.

A prepaid card is used as a means for paying transportation fares. The prepaid card stores a financial value equal to the amount charged by the customer, and the value of the charged financial value decreases whenever a payment is made using the prepaid card. In order to continue using the prepaid card, it is inconvenient to repeatedly and additionally charge it whenever the value of the charged financial value decreases.

As a technology for automatically charging a transportation card or prepaid card, Korean Patent Application No. KR20170085524A "Real-time payment method for postpaid prepaid card based on mobile app", KR20180044831A "Automatic prepaid IC card recharge system and prepaid IC card recharge method", KR20050029723A "Prepaid card charging system and method", and Korean registered patent KR101852455 "Instant charging prepaid transportation card and transportation card payment system including the same".

According to KR20170085524A, the mobile terminal unconditionally 'provisionally approves' a payment with a transportation payment terminal. In addition, the mobile terminal transmits payment information to the prepaid card company server in real time for each payment transaction. In addition, in order to communicate in real time, the mobile terminal must have a network communication function.

According to KR20180044831A, a technology for automatically charging a prepaid IC card is proposed, and a transportation payment terminal transmits 'automatic charging amount information' to a server. That is, the transportation payment terminal must support the additional function for 'auto recharge'.

According to KR20050029723A, a card terminal sends a kind of command to a prepaid card for automatic charging of the prepaid card. In addition, an unresolved problem is that it is necessary to increase the memory capacity of the card terminal for storing the automatic recharge details.

According to KR101852455, a prepaid transportation card for immediate charging is disclosed that receives a transportation fee payment request from a transportation terminal and pays transportation fares. The instant charge prepaid transportation card requests the charging approval unit to charge a predetermined amount corresponding to the transportation fare based on the transportation fare information received from the transportation terminal, and uses the charged amount from the charging approval unit to recharge the transportation fee. and a prepaid balance processing unit that pays the transportation fee for the terminal. In addition, the instant charge prepaid transportation card corresponds to the transportation fare in response to the charge request of the prepaid balance processing unit within the usage limit of the charge advance money charged at the time of issuance of the instant charge prepaid transportation card or the set charge limit amount. and a charge approval unit for charging a predetermined amount of money to the prepaid balance processing unit in real time. In addition, the instant charge prepaid transportation card includes a control unit for controlling the operation of the instant charge prepaid transportation card. At this time, the instant charge prepaid transportation card is initialized by receiving a reset signal from a financial institution, or converted into a lock mode or deactivated by receiving a lock mode setting signal.

Meanwhile, in the present invention, a configuration using a so-called blacklist is included, and Korean Patent Application No. KR10-2004-0011619 (February 21, 2004) discloses a blacklist technology.

In the present invention, payment using a prepaid card can be continuously performed without charging the prepaid card, and in case the automatic authentication preparation procedure for continued use of the prepaid card fails, unfair payment using the prepaid card is not allowed. We want to provide a technology to control it so that it does not.

In addition, the present invention provides a technology for using a conventional payment terminal that does not support the automatic charging function of a prepaid card as it is without modification, while continuing to make a payment using a prepaid card without charging the prepaid card, Alternatively, it is intended to provide a technology for using a prepaid card without a network communication function as it is.

A server may intervene in a payment authentication process for a physical transportation fare payment card performed according to one aspect of the present invention. At this time, the intervention of the server is not performed in real time whenever the card is used. Intervention of the server may be performed regularly/irregularly according to a predetermined schedule. A time point at which the server intervenes may be referred to as an 'evaluation time point'. A card approved for use at the first evaluation point can be effectively used for transportation fare payment until the next evaluation point. That is, a card for which use is permitted at the first evaluation time point may continue to be in a use permission state until the next evaluation time point.

The card, whose use is not permitted at the second evaluation time point, is prohibited from use at the second evaluation time point or from the second evaluation time point. To prohibit the use of the card, the server may distribute a so-called blacklist including information on a plurality of prohibited cards including the card to traffic payment terminals through a communication network. Transportation fee payment terminals may not allow or authenticate transportation fee payment for cards registered in the blacklist. In an actual embodiment, if the physical card is reflected in the blacklist so that it cannot be used, the physical card is substantially immediately suspended and, in principle, cannot be used later.

In another aspect of the present invention, a card payment authentication method is provided, wherein a server receives a set of card transaction records for a first card from a set of payment terminals, and the card transaction records from the set of card transaction records. Calculating a sum of transaction amounts of transaction amounts settled between one card and the set of payment terminals; requesting, by the server, a payment means associated with a first advance payment account associated with the first card to pay a first amount determined based on the sum of the transaction amounts; and updating, by the server, the balance of the first advance payment account based on at least one of the successful payment amount received from the payment means and the first amount.

In this case, the card payment authentication method may further include, by the server, preparing a blacklist and transmitting the blacklist to at least one payment terminal capable of performing payment with the first card. Further, based on the updated balance of the first advance payment account, whether to include the first card in the blacklist may be determined.

In this case, the requesting the payment may include requesting the payment means to pay the first amount corresponding to the sum of the transaction amounts.

At this time, the step of requesting payment may include updating the balance of the first advance payment account by deducting an amount corresponding to the sum of the transaction amounts from the first advance payment account; and requesting payment of the first amount determined based on the amount corresponding to the sum of the transaction amounts or the first amount determined based on the balance of the first advance payment account from the payment means. .

At this time, the first advance payment account is an account managed by the server, and the payment means is a financial institution server that manages a cash withdrawal account associated with the first advance payment account and a point associated with the first advance payment account. Alternatively, a point/mileage management server that manages mileage, a credit card operation server that manages the credit balance associated with the first advance payment account, or a micropayment service management server that manages the credit balance associated with the first advance payment account. In order to pay the first amount or an amount smaller than the first amount to a predetermined payment destination account, the payment means communicates with a payment destination account management server that manages the payment destination account. 1The advance payment account and the payment destination account may be different.

At this time, the first card may be configured to maintain the balance of the card inside the first card above a predetermined value so that the payment with any payment terminal capable of performing payment with the first card can be successful. can

At this time, between the first point in time when the payment request for the transaction amount is received from the arbitrary payment terminal and the second point in time when the transaction amount is paid, the balance in the first card is greater than the transaction amount. The balance in the first card may be set to have a large value.

At this time, the first card may be configured to receive its operation power from the arbitrary payment terminal.

In this case, the first card may be an NFC prepaid card.

At this time, the at least one payment terminal that has received the blacklist may not allow charge payment with cards included in the blacklist.

At this time, the first card always charges more than a specific amount when any payment terminal capable of making a payment with the first card requests confirmation of the balance stored in the first card for payment of the charge. It may be configured to return a response indicating that there is remaining balance for successful payment to the arbitrary payment terminal.

At this time, the first card may set the balance maintained in the first card regardless of the interaction process between the first card and any payment terminal capable of making a payment with the first card. can

A server provided according to one aspect of the present invention includes a processing unit and a communication unit, wherein the processing unit uses a set of card transaction records for a first card received from a set of payment terminals through the communication unit. It is designed to calculate the sum of the transaction amounts paid by the first card, and to pay the first amount determined based on the sum of the transaction amounts to a payment means associated with the first advance payment account associated with the first card. and performing a requesting step, and updating the balance of the first advance payment account based on at least one of the first amount and the successful payment amount received from the payment means.

At this time, the server prepares a blacklist and transmits the blacklist to at least one payment terminal capable of making a payment with the first card, and according to the updated balance of the first prepayment account, It may be configured to determine whether to include the first card in the blacklist.

In this case, the requesting the payment may include requesting the payment means to pay the first amount corresponding to the sum of the transaction amounts.

At this time, the step of requesting payment may include updating the balance of the first advance payment account by deducting an amount corresponding to the sum of the transaction amounts from the first advance payment account; and requesting payment of the first amount determined based on the amount corresponding to the sum of the transaction amounts or the first amount determined based on the balance of the first advance payment account from the payment means. .

A card payment authentication method provided according to another aspect of the present invention includes a server receiving a set of card transaction records for a first set of cards from a set of payment terminals, and the set of card transaction records. Calculating a sum of transaction amounts of transaction amounts settled between the first set of cards and the one set of payment terminals from; requesting, by the server, a payment means associated with a first advance payment account associated with the first set of cards to pay a first amount determined based on the sum of the transaction amounts; and updating, by the server, the balance of the first advance payment account based on at least one of the successful payment amount received from the payment means and the first amount.

Here, the cards of the first set may be two or more cards.

At this time, the card payment authentication method may further include, by the server, preparing a blacklist and transmitting the blacklist to at least one payment terminal capable of performing payment with the first set of cards. have. And based on the updated balance of the first advance payment account, whether to include some or all of the cards of the first set in the blacklist may be determined.

At this time, any first card among the cards of the first set transfers the balance maintained in the first card to a mutual transaction between the first card and any payment terminal capable of making a payment with the first card. It may be set independently of the course of action.

At this time, any first card among the cards of the first set allows an arbitrary payment terminal capable of making a payment with the first card to check the balance stored in the first card for payment of charges. At the time of request, a response indicating that there is remaining balance for successful payment of the charge may be returned to the arbitrary payment terminal.

In this case, the requesting the payment may include requesting the payment means to pay the first amount corresponding to the sum of the transaction amounts.

At this time, the step of requesting payment may include updating the balance of the first advance payment account by deducting an amount corresponding to the sum of the transaction amounts from the first advance payment account; and requesting payment of the first amount determined based on the amount corresponding to the sum of the transaction amounts or the first amount determined based on the balance of the first advance payment account from the payment means. .

According to the present invention, it is possible to continuously perform payment using a prepaid card without charging the prepaid card.

According to the present invention, even if a conventional payment terminal that does not support the automatic charging function of a prepaid card is used as it is, payment using a prepaid card can be continuously performed without charging the prepaid card.

According to the present invention, even if a prepaid card in the form of a plastic card not provided with a network communication function is used, it is possible to continue making payments using the prepaid card without charging the prepaid card.

According to the present invention, in the case where automatic recharging for continuous use of the prepaid card fails, it is possible to control so that unfair payment using the prepaid card is not made.

1 is a flowchart illustrating a method of issuing a physical card, managing an advance payment account for the physical card, and managing a card balance in the physical card, provided according to an embodiment of the present invention.
2 is a flowchart illustrating a method for managing an advance payment account of a card provided according to an embodiment of the present invention.
3 is a flowchart illustrating a method for limiting the use of a card provided according to an embodiment of the present invention.
4 is a flowchart illustrating a card payment authentication method provided according to an embodiment of the present invention.
5 is a flowchart illustrating a card payment authentication method provided according to another embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings. However, the present invention is not limited to the embodiments described herein and may be implemented in various other forms. Terms used in this specification are intended to aid understanding of the embodiments, and are not intended to limit the scope of the present invention. Also, the singular forms used herein include the plural forms unless the phrases clearly dictate the contrary.

1 is a flowchart illustrating a method of issuing a physical card, managing an advance payment account for the physical card, and managing a card balance in the physical card, provided according to an embodiment of the present invention.

Hereinafter, in this specification, a physical card may mean a card in the shape of a thin rectangular plate, but its shape may be variously modified. Hereinafter, the physical card may simply be referred to as a card.

A customer who wants to use the card must obtain the card. Hereinafter, the card is referred to as a first card 40 for convenience of description.

To issue the first card 40, the customer may visit an issuing institution or an issuing device. The issuing institution may be an institution in the financial sector or another type of institution providing a function of linking with the financial sector. The issuing device is a device that can be linked to the financial sector, and may be a kiosk-type device installed in a subway station, for example.

The first card 40 is an account designated by an operator (e.g., T-Money ^TM ) that operates the server 10 that manages various events derived from the customer's payment behavior using the first card 40 It can be issued only when a predetermined card issuance basic amount is paid in advance. However, the payment method may include various methods such as cash payment, use of other simple payment means, and use of credit limit.

In one embodiment, the act of paying may be, for example, an act of paying a transportation fee. The various events may include the management of a blacklist related to the time and place of payment of the transportation fee, the place where payment is allowed or prohibited, and the like.

In another embodiment, the payment action may be a payment action for other services or products as well as transportation fee payment.

The account designated by the operator operating the server may be an operator financial account related to the operator.

The predetermined card issuance basic amount may be an amount previously designated by the operator.

When the customer performs an act of paying the card issuance basic amount to the operator's financial account for issuance of the first card 40, the issuing institution or the issuing device sends the first card 40 to the customer. can be provided to

For example, as in step S11, the customer visits the window of a bank, which is a financial institution, and transfers the basic amount of card issuance to the financial account of the operator while requesting the issuance of the first card 40 to a bank employee. you can request Then, the bank employee can activate the first card 40 in a usable state, hand it over to the customer, and pay the card issuance basic amount to the financial account of the operator using the currency provided by the customer.

Instead of going to the counter of the bank, the customer can obtain the first card 40 by performing the same request and obligation through an automated issuing device or an online web page or App.

When the customer is issued the first card 40, the customer may request automatic charging of the first card 40. For the automatic recharge, payment account information of the customer may be registered in the financial server 30 . Now, when the automatic recharge is required, the financial server 30 may automatically pay the customer in a manner such as withdrawing a necessary amount from the balance of the customer's payment account.

In one embodiment of the present invention, the automatic recharge does not directly charge the charge request amount into the financial value storage space in the first card 40, but in connection with the first card 40, the server ( 10) may mean charging the requested charge amount to the remaining charge field or advance payment field managed in step 10). The specific value of the requested charging amount may be determined by obtaining permission of the customer whenever charging is required, or may be automatically determined according to a predetermined rule according to a mutual agreement between the customer and the operator.

As can be confirmed in step S12, in the process of issuing the first card 40, the financial server 30, which is a server of the financial company that operates the payment account of the operator, informs that the first card 40 has been issued. Information may be provided to the server 10, and information regarding the paid card issuance basic amount may be provided to the server 10. The card issuance basic amount is the first advance payment for the first card (40).

When the server 10 knows the fact that the first card 40 is initially issued and the value of the advance payment, the server 10 generates an advance payment field (residual fee field) for the first card 40. Thus, the value of the advance payment can be stored.

In one embodiment, the above-described activation of the first card 40 may be performed simultaneously with the execution of the step S12.

The first card 40 may include a micro computing device having a chip embedded therein. Activation of the first card 40 may mean a substantial change in an operating state of the first card 40 .

Alternatively, the activation of the first card 40 may simply be an act of taking the first card 40 out of the card storage and handing it to the customer. That is, all cards of the same type as the first card 40 contained in the card storage may have an operable state even in the stored state.

When the server 10 confirms the information of the first card 40 and the advance payment information paid therefor, as shown in step S13, the server 10 performs management of the advance payment account related to the first card 40. can

In one embodiment, managing the prepayment account is not opening and managing a payment account for the first card 40 at an actual financial company, but in the database managed by the server 10, the first card ( 40) to create and manage records and fields related to the remaining amount. That is, the advance payment account may be referred to as a residual amount field or an advance payment field. For example, the database may include a prepayment account management table, and each row of the prepayment account management table may indicate the remaining amount or advance payment of each different card.

In addition, several different cards can be used in one advance payment account, and in this case, the advance payment account manages advance payments and used amounts of all cards.

As can be confirmed in step S21, the customer who has been issued the first card 40 may now want to perform payment by recognizing the first card 40 in the payment terminal 20. If the first card 40 is an NFC card, the recognition may be an NFC tag action.

However, in another embodiment, the first card 40 may have a magnetic communication function or an IC contact communication function. In this case, the act of recognizing is an act of sliding the first card 40 into the magnetic slot of the payment terminal 20, or inserting the first card 40 into the IC slot of the payment terminal 20. may be an act.

Also, in another embodiment, the first card 40 may be configured to communicate with the payment terminal 20 using other types of short-distance wireless/wired communication methods not mentioned above.

As presented in step S22, when the payment terminal 20 recognizes the first card 40, the payment terminal 20 can verify the card validity of the first card 40. .

The payment terminal 20 may be provided with a predetermined blacklist from the server 10 in advance. The blacklist may be information including identifiers of cards whose use is restricted. The blacklist may be used to verify the validity of the card.

When the payment terminal 20 recognizes the first card 40 , the payment terminal 20 may obtain an identifier of the first card 40 . If the identifier of the first card 40 is included in the blacklist, the payment terminal 20 may not proceed with the payment action with the first card 40 any more.

If the identifier of the first card 40 is determined to be included in the blacklist, the payment activity or use of the first card 40 cannot be authenticated. Otherwise, the payment activity of the first card 40 Alternatively, use may be authorized.

As suggested in step S23, if the identifier of the first card 40 is not included in the blacklist and is determined to be valid, the payment terminal 20 sends the first card 40 the amount of the transaction. You can ask for payment.

For example, when the act of payment using the first card 40 is the act of paying the transportation fee, the payment terminal 20 may request the first card 40 to pay the first transportation fare in step S23. have.

In step S24, the first card 40 can manage the card balance stored therein. The transaction amount may be paid only when the balance of the card is sufficient. In one embodiment of the present invention, the first card 40 may itself control the balance of the card to have a sufficient value in order to guarantee payment of the transaction amount.

The first card 40 can control itself so that the balance of the card therein always remains above a predetermined minimum value.

In one embodiment, the first card 40 can control the card balance therein to always maintain a constant value.

In another embodiment, the first card 40 controls the card balance therein to increase (or decrease) whenever a payment is performed, and then reaches a predetermined minimum threshold value (or maximum threshold value), which is the card balance. If so, the card balance may be changed to a predetermined maximum value (or minimum value).

In step S25, the first card 40 may pay the transaction amount in response to the transaction amount payment request.

In one embodiment, the transaction amount payment request and the transaction amount payment may be made through a plurality of message exchanges between the payment terminal 20 and the first card 40, but by abstracting these processes, each one arrow abbreviated as

In one embodiment, the first card 40 may receive operating power from the payment terminal 20 through NFC communication. In this case, it is preferable that step S24 (card balance management step) is performed prior to step S25 (transaction amount payment step). If step S24 (card balance management step) is performed later than step S25 (transaction amount payment step), the radio power transmission from the payment terminal 20 is released immediately after the transaction amount is paid. In this case, the card balance may not be maintained at a sufficient size, and in this case, a problem of not being able to make a payment due to insufficient balance may occur in the next payment event.

As can be confirmed in step S110, different payment terminals may provide payment details with the first card 40 to the server 10 according to a predetermined schedule. The automatic charging method according to embodiments of the present invention starting from step S110 will be described in more detail with reference to FIGS. 2 and 3 .

In one embodiment of the present invention, the predetermined schedule does not necessarily have to be specified.

2 is a flowchart illustrating a method for managing an advance payment account of a card provided according to an embodiment of the present invention.

Here, the advance payment account of the card is a field of a record related to the card included in the DB managed by the server 10 with respect to the card, and has information about the total balance of the advance payment prepaid for the card. can be

For convenience of description, it is assumed that the card issuance basic amount initially paid in step S11 of FIG. 1 described above is 50,000 won.

Now, it can be assumed that the first card 40 has already performed payment with a plurality of different payment terminals. It has already been described that the first card 40 can successfully perform payment with a plurality of payment terminals because the card balance therein is always maintained at a certain level for successful payment.

Now, in step S110, a plurality of payment terminals, for example, payment terminal #1(21) to payment terminal #N(22) recall a set of card transaction records performed between the first card 40 and themselves. It can be transmitted to the server 10. This transmission may be performed according to a predetermined schedule.

As can be seen in step S120, the server 10 transmits between the first card 40 and the plurality of payment terminals from the set of card transaction records transmitted by the plurality of payment terminals at a specific point in time. A sum of the transaction amounts of the transaction amounts performed may be calculated.

At this time, it can be assumed that the remaining amount, which is the balance of the first advance payment account, which is the advance payment account related to the first card 40 stored in the server 10 at the point in time, is 50,000 won, which is the basic card issuance amount. . At the point in time, the sum of the transaction amounts may be 40,000 won less than the remaining amount of 50,000 won for the first card 40 or 60,000 won greater than the basic card issuance amount.

In step S130, the server 10 updates the balance of the first advance payment account for the first card 40 based on the sum of the transaction amounts (40,000 won or 60,000 won), and the first advance payment. You can determine the recharge amount for recharging your account.

For example, when the sum of the transaction amounts is 40,000 won, the value of the first advance payment account may be changed to 10,000 won by subtracting the 40,000 won from the 50,000 won. For example, when the sum of the transaction amounts is 60,000 won, the value of the first advance payment account may be changed to -10,000 won by subtracting the 60,000 won from the 50,000 won.

Next, in one embodiment, when the sum of the transaction amounts is 40,000 won, the charging amount may be determined to be 40,000 won. Alternatively, when the sum of the transaction amounts is 60,000 won, the charging amount may be determined to be 60,000 won.

Now, the server 10 sets the balance of the first advance payment account for the first card 40 to a predetermined value, for example, the card issuance basic amount 5, in order to continue allowing the payment of the first card 40. It is necessary to perform automatic recharge so as to keep it above full.

To this end, in step S140, the server 10 may transmit a financial transaction request asking the financial server 30 to pay the determined charged amount in association with the first advance payment account.

At this time, according to the financial transaction request, the financial server 30 attempts a process of automatically paying money corresponding to the charged amount from a financial account in the name of the customer set by the customer to the financial account of the operator. can

In step S140, the server 10 may provide information for specifying the first card 40 to the financial server 30 together with information on the charged amount.

The financial server 30 may attempt the requested financial transaction and report the result.

In step S150, the financial server 30 may transmit a payment result message to the server 10. At this time, information indicating that the payment result is related to the first card 40 may be transmitted together, and information regarding the amount actually paid according to the financial transaction request may also be transmitted together.

If there is a sufficient balance in the financial account under the name of the customer, the determined charging amount may be directly transferred to the operator's account. In contrast, when there is no balance in the financial account under the name of the customer, payment may not be made. In contrast, if the financial account under the customer's name does not have a balance, but is insufficient, an amount smaller than the determined charging amount may be paid to the operator's account.

In step S160, the balance of the first advance payment account may be updated by adding the successful payment amount included in the payment result message to the current balance of the first advance payment account.

In step S170, when the balance of the first prepayment account is less than or equal to a predetermined threshold balance value, a blacklist including the first card may be generated.

For example, it is assumed that the balance of the first advance payment account immediately before the sum of the transaction amounts is calculated is 50,000 won, and the sum of the transaction amounts is 40,000 won, and the customer's name immediately before the financial transaction is requested. It is assumed that the balance of the financial account is 50,000 won, and the threshold balance value is 30,000 won. At this time, the first advance payment account may decrease from 50,000 won to 10,000 won and then increase to 50,000 won again. Finally, since the balance of 50,000 won in the first advance payment account in step S170 is greater than the threshold balance value of 30,000 won, a blacklist including the first card may not be created.

As another example, assuming that the balance of the first advance payment account immediately before the sum of the transaction amounts is calculated is 50,000 won, and assuming that the sum of the transaction amounts is 40,000 won, the customer immediately before requesting the financial transaction It is assumed that the balance of the financial account in the name is 30,000 won, and the threshold balance value is 30,000 won. At this time, the first advance payment account may decrease from 50,000 won to 10,000 won and then increase to 40,000 won again. Finally, since the balance of 40,000 won in the first advance payment account in step S170 is greater than the threshold balance value of 30,000 won, a blacklist including the first card may not be created.

As another example, it is assumed that the balance of the first advance payment account immediately before the sum of the transaction amounts is calculated is 50,000 won, and the sum of the transaction amounts is 40,000 won, and the sum of the transaction amounts is assumed to be 40,000 won. It is assumed that the balance of the customer's financial account is 10,000 won, and the threshold balance value is 30,000 won. At this time, the first advance payment account may decrease from 50,000 won to 10,000 won and then increase to 20,000 won again. Finally, since the balance of 20,000 won in the first prepayment account in step S170 is smaller than the threshold balance value of 30,000 won, a blacklist including the first card may be generated.

However, in the above examples, the sum of the transaction amount (40,000 won or 60,000 won) is charged through the financial account connected to the server, and the amount of the failed claim is deducted from the first advance payment account. It can be changed and reflected. In addition, in this case, the act of claiming can be performed several times at a specific period.

If the blacklist including the first card is not generated, payment may be performed using the first card 40 even after step S170.

Unlike this, when the blacklist including the first card is generated, subsequent processes will be described with reference to FIG. 3 .

3 is a flowchart illustrating a method for limiting the use of a card provided according to an embodiment of the present invention.

As described above, the step S170 of including the first card 40 in the blacklist may occur.

In step S180, the server 10 may transmit the blacklist to a plurality of payment terminals.

The blacklist may be transmitted in real time immediately after the blacklist is created, or may be transmitted after a predetermined time has elapsed after the blacklist is created.

The payment terminal to which the blacklist is transmitted may be a subset or a whole set of all payment terminals having a function of recognizing the first card 40 and performing payment with the first card 40 .

Now, since the payment terminals use the blacklist including the first card 40, the payment can be rejected even if the first card 40 is recognized by the payment terminal. In this case, the payment is rejected even though the first card 40 itself has sufficient card balance.

When the payment using the first card 40 is rejected, the customer may try to pay using another card possessed by the customer.

In a preferred embodiment, the first card 40 may be a transportation prepaid card and the payment terminal 20 may be a transportation payment terminal. However, in another embodiment, the first card 40 may be a prepaid card for other purposes, and the payment terminal 20 may also be a payment terminal for transactions with the prepaid cards for other purposes.

According to the present invention, the first card 40 can always perform a bill payment with the payment terminal 20 based on a payment protocol according to the prior art while maintaining a sufficient balance. Therefore, if the payment terminal 20 maintains the arrangement according to the prior art without modification and newly develops and deploys only the first card 40 and the server 10, the traffic payment ecosystem according to the present invention is completed. There are advantages to being able to be.

4 is a flowchart illustrating a card payment authentication method provided according to an embodiment of the present invention.

In step S120, the server 10 may calculate a sum of transaction amounts settled between the first card and the payment terminals from a set of card transaction records.

Step S120 shown in FIG. 4 may be the same as step S120 shown in FIG. 2 . And before step S120 shown in FIG. 4 , steps previously shown before step S120 shown in FIG. 2 may be executed in the same manner.

Next, in step S230, the server 10 sends payment of the first amount corresponding to the sum to the payment means 300 associated with the first advance payment account associated with the first card. can request

Here, the first amount may be the sum value itself or may be an amount having a predetermined relationship with the sum value.

The payment means 300 may include, for example, a financial institution server for managing a cash withdrawal account associated with the first advance payment account, a point/mileage management server for managing points or mileage associated with the first advance payment account, the A credit card operation server that manages the credit balance associated with the first advance payment account, a retail payment service management server that manages the credit balance associated with the first advance payment account, or a virtual currency account that is associated with the first advance payment account. It may be a virtual currency operation server that manages.

The financial institution server may be, for example, Kookmin Bank, Nonghyup, or the like, or may be a local currency management server that manages local currency.

The point/mileage management server may be, for example, an airline mileage management server, a point management server of a credit card company, or a point management server that manages points provided by Internet commercial service providers.

The credit card operating server may be, for example, an operating server of Hyundai Card ^TM /Samsung Card ^TM .

The retail payment service management server may be used to provide a retail payment service that a communication service provider such as SK Telecom charges for along with the corresponding service cost.

Next, in step S240, the payment means 300 cooperates with the payment destination account management server 400, and the cash balance, points/mileage, credit balance, virtual balance of the account registered in the payment means 300 The first amount may be paid to a payment destination account with a currency balance or a local currency balance. If the cash balance, points/mileage, credit balance, virtual currency balance, or local currency balance is smaller than the first amount, 0 (zero) won is paid to the payment destination account or an amount smaller than the first amount may pay for

Next, in step S250, the payment means 300 may provide the server 10 with information about the successful payment amount. For example, the successful payment amount may be the first amount, an amount smaller than the first amount, or 0 (zero).

Next, in step S260, the server 10 may update the balance of the first advance payment account based on at least one of the first amount and the successful payment amount.

Although not shown in FIG. 4, after the step S260, if the updated balance of the first prepayment account is less than or equal to a predetermined threshold balance value, a blacklist including the first card may be created. The generated blacklist may be transmitted to one group of payment terminals.

5 is a flowchart illustrating a card payment authentication method provided according to another embodiment of the present invention.

In step S120, the server 10 may calculate a sum of transaction amounts settled between the first card and the payment terminals from a set of card transaction records.

Step S120 shown in FIG. 5 may be the same as step S120 shown in FIG. 2 . And before step S120 shown in FIG. 5 , steps previously shown before step S120 shown in FIG. 5 may be executed in the same manner.

Then, in step S325, the server 10 may subtract an amount corresponding to the sum from the first advance payment account associated with the first card, and update the balance of the first advance payment account. have.

Here, the corresponding amount may be the sum value itself, or may be an amount having a predetermined relationship with the sum value.

Then, in step S330, the server 10 transfers the payment of the first amount determined based on the amount corresponding to the total value or based on the balance of the first advance payment account to the first advance payment account. can be requested from the means of payment associated with

Here, the first amount may be the sum value itself, or an amount having a predetermined relationship to the sum value, or an amount deducted in step S325, or deducted in step S325. It may be an amount having a predetermined relationship to an amount.

The payment means 300 may be the same as that described in FIG. 4 .

Then, in step S340, the payment means 300 cooperates with the payment destination account management server 400, the cash balance of the account registered in the payment means 300, points / mileage, credit balance, The first amount may be paid to a payment destination account with virtual currency balance or local currency balance. If the cash balance, points/mileage, credit balance, virtual currency balance, or local currency balance is smaller than the first amount, 0 (zero) won is paid to the payment destination account or an amount smaller than the first amount may pay for

Next, in step S350, the payment means 300 may provide the server 10 with information about the successful payment amount. For example, the successful payment amount may be the first amount, an amount smaller than the first amount, or 0 (zero).

Then, in step S360, the server 10 may update the balance of the first advance payment account based on at least one of the first amount and the successful payment amount. Alternatively, since the balance of the first advance payment account has already been updated in step S325, step S360 may not be executed.

Although not shown in FIG. 5, after step S350 or step S360, if the updated balance of the first advance payment account is less than a predetermined threshold balance value, a blacklist including the first card may be generated. can The generated blacklist may be transmitted to one group of payment terminals.

In one embodiment of the present invention, the 'first card' shown in FIGS. 1 to 5 may be replaced with a 'first set of cards'. Here, the cards of the first set may be a plurality of cards or may be cards linked to each other. For example, the first family card, the second family card, the third family card, or the Nth family card may be associated with the one first prepayment account. For example, the first family card, the second family card, the third family card to the Nth family card are the cards of the first member, the card of the second member, the card of the third member, and the card of the Nth member of one family, respectively. It can be a card. At this time, the first family card, the second family card, the third family card, and the Nth family cards are the cards of the first set. The first set of cards may be referred to as family cards for one family, for example. In this case, the means of payment associated with the first advance payment account may be a means of payment owned by a pre-designated member (ex: the first member) among the plurality of members. In this case, the card payment authentication method according to an embodiment of the present invention may be presented as follows.

That is, in the card payment authentication method, the server receives a set of card transaction records for a first set of cards from a set of payment terminals, and from the set of card transaction records, the first set of card transaction records. The method may include calculating a sum of transaction amounts of transaction amounts settled between cards and the set of payment terminals. and requesting, by the server, a payment means associated with a first advance payment account associated with the first set of cards to pay a first amount determined based on the sum of the transaction amounts. The server may include updating the balance of the first advance payment account based on at least one of the payment successful amount received from the payment means and the first amount. The server may prepare a blacklist and transmit the blacklist to at least one payment terminal capable of making a payment with the first set of cards.

In this case, based on the updated balance of the first advance payment account, whether to include all of the cards of the first set in the blacklist may be determined. For example, when the balance of the updated first advance payment account is less than a preset value, all of the cards of the first set may be included in the blacklist.

Alternatively, based on the balance of the updated first prepayment account, whether to include some of the cards of the first set in the blacklist may be determined. For example, when the balance of the updated first prepayment account is less than a preset value, all cards other than one of the cards of the first set may be included in the blacklist. The one card excluded from the blacklist may be a card used by the predetermined member among the plurality of members. For example, the predetermined member may be the first member, and the card used by the first member may be the first family card.

At this time, any first card among the cards of the first set transfers the balance maintained in the first card to a mutual transaction between the first card and any payment terminal capable of making a payment with the first card. It may be set independently of the course of action. It can be understood that the configuration according to the other embodiments described above can be applied to the embodiment described here as it is.

Using the above-described embodiments of the present invention, those belonging to the technical field of the present invention will be able to easily implement various changes and modifications without departing from the essential characteristics of the present invention. The content of each claim of the claims may be combined with other claims without reference relationship within the scope understandable through this specification.

10: server
20~23: Payment terminal
30: financial server
40: first card, first set of cards
300: means of payment
400: Payment destination account management server

Claims (20)

The server receives a set of card transaction records for the first set of cards from the set of payment terminals, and receives the first set of cards and the set of payment terminals from the set of card transaction records. Calculating a sum of transaction amounts of transaction amounts settled between the parties;
requesting, by the server, a payment means associated with a first advance payment account associated with the first set of cards to pay a first amount determined based on the sum of the transaction amounts;
updating, by the server, the balance of the first advance payment account based on at least one of the successful payment amount received from the payment means and the first amount;
determining, by the server, whether or not to include the first set of cards in a blacklist based on the updated balance of the first prepayment account; and
preparing, by the server, the blacklist and transmitting the blacklist to at least one payment terminal capable of making a payment with the first set of cards;
Including,
The first advance payment account is included in the database managed by the server,
The first set of cards is a set composed of a plurality of different cards, and
The at least one payment terminal is configured not to proceed with a payment action with the cards of the first set if the identifiers of the cards of the first set are included in the blacklist;
The payment method is a credit card,
Card payment authentication method. delete According to claim 1,
The requesting the payment includes requesting the payment means to pay the first amount corresponding to the sum of the transaction amounts,
Card payment authentication method. According to claim 1,
The step of requesting the payment is,
updating the balance of the first advance payment account by deducting an amount corresponding to the sum of the transaction amounts from the first advance payment account; and
requesting payment of the first amount determined based on an amount corresponding to the sum of the transaction amounts or the first amount determined based on the balance of the first advance payment account from the payment means;
including,
Card payment authentication method. According to claim 1,
The first advance payment account is an account managed by the server,
The payment means includes a financial institution server for managing a cash withdrawal account associated with the first advance payment account, a point/mileage management server for managing points or mileage associated with the first advance payment account, and the first advance payment account. A credit card operation server that manages the credit balance associated with, or a micropayment service management server that manages the credit balance associated with the first advance payment account,
The payment means communicates with a payment destination account management server that manages the payment destination account in order to pay the first amount or an amount smaller than the first amount to a predetermined payment destination account,
The first advance payment account and the payment destination account are different from each other,
Card payment authentication method. The method of claim 1, wherein each card of the first set of cards is a card inside the respective cards to successfully make a payment with any payment terminal capable of performing payment with each card. Characterized in that the balance is maintained above a predetermined value by itself, a card payment authentication method. The method of claim 6, wherein each of the first set of cards receives its operating power from the arbitrary payment terminal. The method of claim 1, wherein all of the first set of cards are NFC prepaid cards. The method of claim 1, wherein each card of the first set of cards is a balance stored in each card for payment of charges by an arbitrary payment terminal capable of making a payment with each card. When requesting confirmation, a response indicating that there is always a balance remaining for payment of a specific amount or more to be successful is returned to the arbitrary payment terminal. The method of claim 1, wherein each card of the first set of cards transfers the balance maintained in each card between an arbitrary payment terminal capable of performing payment with each card and each card. A card payment authentication method that is set independently of the interaction process. delete As a server,
It includes a processing unit and a communication unit,
The processing unit,
A sum of transaction amounts paid by the cards of the first set is calculated using a set of card transaction records for the cards of the first set received from the set of payment terminals through the communication unit;
Requesting a payment means associated with a first advance payment account associated with the first set of cards to pay a first amount determined based on the sum of the transaction amounts,
Updating the balance of the first advance payment account based on at least one of a successful payment amount received from the payment means and the first amount,
determine whether or not to include the first set of cards in a blacklist based on the balance of the updated first prepayment account; and
preparing the blacklist and transmitting the blacklist to at least one payment terminal capable of making a payment with the first set of cards;
The first advance payment account is included in the database managed by the server,
The first set of cards is a set composed of a plurality of different cards, and
The at least one payment terminal is configured not to proceed with a payment action with the cards of the first set if the identifiers of the cards of the first set are included in the blacklist;
The payment method is a credit card,
server. delete The server according to claim 12, wherein the requesting the payment comprises requesting the payment means to pay the first amount corresponding to the sum of the transaction amounts. According to claim 12,
The step of requesting the payment is,
updating the balance of the first advance payment account by deducting an amount corresponding to the sum of the transaction amounts from the first advance payment account; and
requesting payment of the first amount determined based on an amount corresponding to the sum of the transaction amounts or the first amount determined based on the balance of the first advance payment account from the payment means;
including,
server. delete delete delete delete delete

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