KR20090081771A - Method and system for settlement of deferred payment fees for debit card and program recording medium therefor - Google Patents

Abstract

The present invention relates to a method and system for processing a check card post-pay traffic fare and a program recording medium therefor. The method for processing a check card post-pay traffic fare according to the present invention includes a check card post-pay traffic fare provided from a customer terminal in a server. Storing the traffic fare payment information including at least one of customer information, traffic fare payment information, check card information, and account information for the settlement on a storage medium; and the server reminds the customer on a daily basis during the post-payment settlement cycle. Checking a cumulative amount of traffic fare usage paid using a check card; comparing the accumulated amount of traffic fare use with the checked traffic fare usage amount stored in the storage medium at a server; If the cumulative fare usage amount exceeds the transportation fare payment amount stored in the storage medium, check And automatically accumulating the traffic fare payment amount as much as the excess amount in the payment account, and updating the traffic fare payment amount information stored in the storage medium to the accumulated amount and as the accumulated traffic fare payment amount in the server. And processing the check card post-pay traffic fee.

Description

System and Method for Processing Settlement Check Card Post Transportation Fare}

1 is a diagram showing the configuration of a settlement processing system for the settlement of the deferred payment for debit card according to an embodiment of the present invention.

2 is a diagram illustrating a system for registering payment information in a face-to-face manner for settlement of post-paid debit traffic for a check card according to an exemplary embodiment of the present invention.

3 is a diagram showing the configuration of the traffic fare payment information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the settlement of the deferred payment fee for the check card according to an embodiment of the present invention.

FIG. 4 is a diagram illustrating the configuration of traffic fare payment information stored in a database linked to the ledger D / B provided in a DBMS on a financial system in a face-to-face manner for settlement of a deferred post-paid transportation fare according to another embodiment of the present invention. .

FIG. 5 is a diagram illustrating the construction of a traffic fare payment information stored in a DBMS provided in a banking server in a face-to-face manner to settle a check card postpaid traffic fee according to another exemplary embodiment of the present invention.

6 is a diagram illustrating a process of registering traffic fare payment information in a face-to-face manner according to an embodiment of the present invention.

FIG. 7 is a diagram illustrating a non-face-to-face payment information registration system for setting a check card postpaid transportation fee according to another embodiment of the present invention.

8 is a diagram illustrating a process of registering traffic fare payment information in a non-face-to-face manner in order to settle a check card postpaid traffic fare according to an exemplary embodiment of the present invention.

9A and 9B are diagrams illustrating a process of registering traffic fare payment information in a non-face-to-face manner in order to settle a check card postpaid traffic fare according to another exemplary embodiment of the present invention.

FIG. 10 is a diagram illustrating a settlement processing system for settlement of a deferred post-paid transportation fare according to one embodiment of the present invention.

FIG. 11 is a diagram illustrating a settlement process for settlement of a deferred payment fee for a debit card according to one embodiment of the present invention.

<Description of main parts of drawing>

100: information registration server 105: interface unit

110: interface providing unit 115: information receiving unit

120: validation unit 125: information storage unit

130: storage medium

The present invention includes the steps of storing the traffic fare payment information including at least one or more customer information, transportation fee payment amount information, check card information, account information for the settlement of the check card post-paid transportation fee provided from the customer terminal in the server And checking, by the server, a cumulative amount of traffic fare use paid by the customer on a daily basis during the post-payment settlement cycle, and by the server, the accumulated amount of traffic fare use and the traffic stored in the storage medium. Comparing the fare payment amount, and if the cumulative amount of the traffic fare used by the customer in the server exceeds the traffic fare payment amount stored in the storage medium, the amount of the traffic fare payment in the check card payment account To automatically accumulate and change the traffic fare payment amount information stored in the storage medium to the accumulated amount The present invention relates to a check card post-payment fare settlement processing method comprising the step of processing the check card post-payment fare with the accumulated traffic fare settlement amount in the server and the new processing.

The debit card has the function of a debit card and a function of a credit card, thereby simultaneously solving the disadvantages of the existing debit card (for example, lack of infrastructure such as merchants, prohibition of use when the balance is insufficient).

However, the check card is provided with a debit function interlocked with the payment account, there was a problem that can not be widely used as a postpaid transportation card that customers use conveniently.

An object of the present invention for solving the above problems is, to store the traffic charge payment information including at least one or more customer information, traffic fee payment amount information, check card information, account information for the settlement of the deferred transportation fee check card Information storage means for checking the accumulated amount of traffic fare use paid by the customer using the check card on a daily basis during the post-payment settlement cycle, the accumulated amount of traffic fare use and the storage medium. An amount comparison means for comparing the amount of the stored traffic fare and the amount of the traffic fare used by the customer when the cumulative amount of the traffic fare used exceeds the amount of the fare stored in the storage medium; Automatically accumulate payment amount, and the transportation fee payment amount information stored in the storage medium to the accumulated amount The present invention provides a check card post-payment fare settlement processing system including a means for accumulating money for renewal.

Check card post-paid transportation fee settlement processing method according to the present invention, the server includes at least one or more customer information, transportation fee payment amount information, check card information, account information for payment of the check card post-paid transportation fee provided from the customer terminal Storing the traffic fare payment information in a storage medium, checking a cumulative amount of traffic fare use paid by the customer using the check card on a daily basis during the post-payment settlement cycle at the server, and the traffic confirmed at the server Comparing the accumulated fare usage amount with the transportation fare payment amount stored in the storage medium; and if the accumulated fare usage amount of the customer at the server exceeds the transportation fare payment amount stored in the storage medium, the check card payment account Automatically accumulates the traffic fare payment amount by the amount exceeded, and stores it in the storage medium. The transportation fee is in steps and that the server update processing a payment amount information to the accumulated amount characterized in that comprises the step of processing the settlement check card post-pay transportation fees earned by the transport the charge amount of the charge.

According to the present invention, the traffic fare payment amount information is set by the customer.

According to the present invention, the transportation fee payment amount is characterized in that the payment is limited to a binding deposit for payment of the postpaid transportation fee using the check card.

On the other hand, the check card post-paid transportation fare settlement processing system according to the present invention, the payment fare payment information including at least one or more customer information, traffic fare payment amount information, check card information, account information for payment of the deferred payment fare for the check card Information storage means for storing in the storage medium, an amount checking means for confirming the accumulated amount of the transportation fare used by the customer using the check card on a daily basis during the post-payment settlement cycle, the accumulated amount of the used transportation fare and The amount comparison means for comparing the amount of traffic charges stored in the storage medium, and the amount exceeded in the check card payment account, if the cumulative amount of traffic use of the customer exceeds the amount of traffic charges stored in the storage medium Automatically accumulate the traffic fee payment amount as much as the traffic fee payment amount information stored in the storage medium It characterized by comprising the updating processing means for the amount credited to the accumulated amount.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), thereby limiting the present invention Not.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram showing the configuration of the settlement processing system for the settlement of the deferred traffic charges debit card according to an embodiment of the present invention.

Referring to FIG. 1, a predetermined customer (eg, a customer using a check card having a postpaid transportation card function) provides for settlement of a postpaid transportation fee through a payment information registration system illustrated in FIG. 2 or FIG. 7. After the customer information, transportation payment amount information, check card information, and account information included in the transportation fare payment information are processed and stored in the storage medium, the customer pays using the check card on a daily basis during the post-payment settlement cycle. A cumulative amount of traffic fare usage is checked, and the accumulated fare usage amount of the customer is compared to the traffic fare payment amount stored in the storage medium. If the amount exceeds, the traffic fare payment amount is automatically accumulated by the excess amount in the check card payment account, and As a main configuration diagram of a system for updating traffic charge amount information stored in an existing storage medium to an accumulated amount, a person having ordinary knowledge in the technical field to which the present invention pertains refers to or deducts the check card with reference to FIG. Although it is possible to infer various implementation methods for the transportation fee settlement of the settlement processing system configuration, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 1, the illustrated settlement processing system may store traffic fare payment information including at least one of customer information, traffic fare payment amount information, check card information, and account information in order to settle a deferred payment fare for a check card. Information storage means (or server) for storing, an amount checking means (or server) for confirming a cumulative amount of traffic fare use paid by the customer using the check card on a daily basis during the post-payment settlement cycle, and the confirmed traffic The check means (or server) for comparing the accumulated fare usage amount with the transportation fare payment amount stored in the storage medium and if the accumulated fare usage amount of the customer exceeds the transportation fare payment amount stored in the storage medium, the check Automatically accumulate the traffic fare payment amount by the excess amount in the card payment account, and save the traffic fare stored in the storage medium. And it may be configured including the amount credited means for the update processing by the amount credited the amount of money information (or server).

The settlement processing system will be described in more detail with reference to FIG. 10 according to one embodiment of the present invention.

2 is a diagram illustrating a system for registering a payment information in a face-to-face manner for settlement of a deferred payment fee for a debit card according to an exemplary embodiment of the present invention.

In more detail, Figure 2 is a predetermined customer (for example, a customer using a check card equipped with a postpaid transportation card function) through a predetermined information registration interface to the payment information registration system to settle the check card postpaid transportation fee customer information, When providing the transportation fee payment information including at least one of transportation fee payment amount information, check card information, account information, the customer information, traffic fee payment amount information included in the provided transportation fee payment information in the payment information registration system , A system for storing check card information and account information in a predetermined storage medium 230, and those skilled in the art to which the present invention pertains may refer to or modify the present invention. It is possible to infer various implementation methods for the establishment of payment information registration system for settlement of deferred transportation fare for check cards. However, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means or function configuration for storing traffic fare payment information provided from the customer on the storage medium 230 through a predetermined information registration interface on the payment information registration system shown in FIG. The component is referred to as "information registration server 200" for convenience.

Referring to FIG. 2 according to an embodiment of the present invention, the payment information registration system for the settlement of the postpaid transportation fee check card includes an information registration terminal including a teller terminal provided at at least one financial institution branch. The information registration terminal is connected to the communication channel and the information registration server 200 provided on the payment information registration system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch to settle the postpaid deferred transportation fee and check card postpaid transportation through a window provided at the financial institution branch (or through a cashier). When a prescribed application for fare settlement (e.g., a document with a form for filling in at least one item of information for check card postpaid transportation fare settlement) is completed and the completed application is submitted to the counter clerk, the counter clerk Inputs (or selects) information written in the application through a predetermined teller terminal, and the teller terminal registers the information provided on the payment information registration system through the financial network with the input (or select) information. It is preferable to transmit to the server 200.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided in the financial institution branch, the information registration server 200 connected to the teller terminal is a ledger provided on the predetermined financial system It is preferable to include a server, the financial network connecting the window terminal and the information registration server 200 comprises a branch network connecting the communication channel between the window terminal and the information registration server 200. desirable.

In the payment information registration system as described above, the application prepared by the customer, the teller terminal used by the teller, and the financial network connecting the teller terminal and the information registration server 200 are paid by the customer after the check card. Performs the function of the information registration interface for registering the traffic fare payment information for the transportation fare settlement.

The storage medium 230 provided on the payment information registration system according to the present invention includes the customer information, traffic fee payment amount information, check card information, and account information included in the traffic fee payment information provided from the information registration terminal. It characterized in that the cooperative processing to store in a predetermined storage medium 230, traffic including at least one or more of the customer information, traffic charge amount information, check card information, account information stored in the storage medium 230 The fare payment information is used to settle the postpaid transportation fee of the check card.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system in response to the customer.

Preferably, the traffic fare payment amount information includes the amount of money information designated by the customer for payment of the fare in the balance of the check card payment account in the month (eg, the following month). It is preferable that payment is limited to binding deposits in the check card payment account.

The check card information is issued under the name of the customer, and preferably includes a card number corresponding to a check card equipped with a postpaid transportation card function, a card issuance date, an expiration date, a card product name, and the like.

The account information is opened in the name of the customer, the account number, deposit type, customer number, new date, issuance date, account management point, bank account issuing branch corresponding to the account for the debit function of the check card in connection with the check card , Issuance number, certificate number, etc. It is preferable to comprise at least one or more.

According to one embodiment of the invention, the storage medium 230 is preferably provided in a DBMS on a financial system provided on the payment information registration system (or associated with the payment information registration system), wherein Storage medium 230 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 230 is an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the payment information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The information registration server 200 provided on the payment information registration system according to the present invention is a generic term for the payment information registration system side components connected to the information registration terminal through a predetermined financial network, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the information registration server 200 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a ledger server, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 200 is characterized by comprising an interface unit 205 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface unit 205 communicates with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a channel and using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 2, the information registration server 200 connects a communication channel with the information registration server 200 through the interface unit 205 and then connects the communication unit 205 with the interface unit 205. An interface providing unit 210 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined traffic fare payment information from the information registration terminal to provide the information registration terminal to the information registration terminal; An information receiving unit 215 for receiving predetermined traffic fare payment information input (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 205 and the received traffic fare payment information. Validation unit 220 for checking the validity, and the customer information included in the traffic fee payment information is confirmed validity, traffic fee payment amount information, check card definition Processes the account information associated characterized in that formed in an information storage 225 for storing in a storage medium 230.

The interface providing unit 210 connects a communication channel with the information registration server 200 through the interface unit 205 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) traffic fare payment information to the information registration server 200 through the financial network, or extracting from a predetermined database (not shown), and the interface unit In operation 205, the generated (or extracted) user interface may be provided to the information registration terminal through the financial network.

According to another embodiment of the present invention, the predetermined information having at least one user interface for inputting (or selecting) the traffic fare payment information to the information registration terminal and transmitting the information to the information registration server 200 through the financial network. When the information registration program is provided, the interface providing unit 210 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal inputs (or selects) the traffic fare payment information including at least one of the customer information, the traffic fare payment amount information, the check card information, and the account information based on the user interface. The traffic fee payment information is transmitted to the information registration server 200 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface providing unit 210 may provide a predetermined user interface that can be provided by a financial transaction related program included in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the counter terminal through the interface unit 205.

The information receiving unit 215 inputs (or selects) traffic fee payment information including at least one of customer information, traffic fee payment amount information, check card information, and account information through the user interface at the information registration terminal. When transmitting through a financial network, it is characterized in that for receiving the traffic fare payment information in conjunction with the interface unit 205, and provides the received traffic fare payment information to the validity check unit 220.

The validity confirming unit 220 is characterized in that whether the traffic fee payment information received from the information registration terminal satisfies the validity for the settlement of the deferred payment fee for the debit card.

According to the method of the present invention, at least one ledger information matching the traffic fare payment information is registered in the ledger D / B on the financial system associated with the payment information registration system. It is preferable to include checking whether there is.

For example, checking the validity of the traffic fare payment information includes checking whether the customer information included in the traffic fare payment information matches the customer ledger stored in the ledger D / B on the financial system associated with the payment information registration system. It is preferable to make it.

In addition, the validity check of the traffic fare payment information includes checking whether the account information included in the traffic fare payment information matches an account ledger stored in the ledger D / B on the financial system associated with the payment information registration system. It is preferable to make it.

In addition, the validity check of the traffic fare payment information is determined by the traffic fare payment amount information included in the fare payment information corresponding to the account ledger stored in the ledger D / B on the financial system associated with the payment information registration system It is preferable to include checking whether the balance of the account is satisfied.

When the validity of the traffic fare payment information is confirmed, the information storage unit 225 processes the customer information, traffic fare payment amount information, check card information, and account information included in the traffic fare payment information in association with the storage medium. And the storage medium 230 is provided in the information registration server 200 or on the network associated with the information registration server 200. In operation 225, the customer information, the transportation fee payment amount information, the check card information, and the account information included in the received transportation fee payment information may be cooperatively stored and stored in the storage medium 230. If 230 is provided in the DBMS provided on the financial system, the information storage unit 225 is the customer information, traffic charge payment amount information, check card information, account information included in the received traffic fee payment information; It is preferable to provide the information system through the external system on the financial system and store it in the DBMS provided on the financial system.

3 is a diagram showing the construction of traffic fare payment information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the settlement of the check card post-paid transportation fare according to an embodiment of the present invention.

In more detail, when the storage medium 230 illustrated in FIG. 2 is the ledger D / B provided in the DBMS on the financial system, the customer information and the transportation fee are included in the ledger information provided in the ledger D / B. Figure 1 shows an information structure for an implementation method of storing transportation fare payment information, including payment amount information, check card information, and account information, and if the person of ordinary skill in the art to which the present invention belongs, By referring to or modifying 3, various information construction methods for storing the traffic fare payment information in the ledger D / B may be inferred, but the present invention includes all the inferred implementation methods, and is illustrated in FIG. It is not limited only to the implementation method.

Referring to Figure 3 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (for example, a reception ledger) , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (for example, loan ledger, mortgage ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that the present invention is also familiar with specific technical matters, and thus detailed description thereof is omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, or trust reception information including at least one or more of an account number, a deposit amount, a par value, an annuity date, and the number of shares corresponding to the account ledger, or corresponding to the account ledger. Transaction that includes at least one of account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 3, the traffic fare payment information provided through the payment information registration system shown in FIG. 2 is stored in the form of additional information added to the account ledger. The traffic fare payment information may include customer information, It is characterized in that it comprises at least one or more transportation fee payment amount information, check card information, account information.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). It is preferable that the at least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system corresponding to the customer.

Preferably, the traffic fare payment amount information includes the amount of money information designated by the customer for payment of the fare in the balance of the check card payment account in the month (eg, the following month). It is preferable that payment is limited to binding deposits in the check card payment account.

The check card information is issued under the name of the customer, and preferably includes a card number corresponding to a check card equipped with a postpaid transportation card function, a card issuance date, an expiration date, a card product name, and the like.

The account information is opened in the name of the customer, the account number, deposit type, customer number, new date, issuance date, account management point, bank account issuing branch corresponding to the account for the debit function of the check card in connection with the check card , Issuance number, certificate number, etc. It is preferable to comprise at least one or more.

According to another exemplary embodiment of the present invention, the traffic fare payment information is stored in the form of information included in the account ledger (not shown) or added to another ledger other than the account ledger (for example, a customer ledger). It may be stored in the form of information, or in the form of information contained in other ledgers (for example, customer ledgers) other than the account ledger, whereby the present invention is not limited.

FIG. 4 is a diagram showing the construction of traffic fare payment information stored in a database linked to the ledger D / B provided in a DBMS on a financial system in a face-to-face manner to settle a check card postpaid traffic fare according to another embodiment of the present invention. .

In more detail, FIG. 4 illustrates an information structure of an exemplary embodiment in which the storage medium 230 shown in FIG. 2 is stored in a predetermined database processed in association with a ledger D / B provided in a DBMS on a financial system. As those skilled in the art to which the present invention pertains, various information configuration methods for referring to or modifying the drawing 4 and storing the traffic fare payment information in a predetermined database in association with the ledger D / B and storing the same Although it can be inferred, the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

In particular, FIG. 4 illustrates a case in which it is not easy to store the traffic fare payment information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, in the policy of a financial institution, the ledger D / B of the financial institution). Is not easy to change, or the system is not easy to expand due to the characteristics of the financial system), the traffic fare payment information is stored in a predetermined database instead of the ledger D / B, and the database and the ledger D / B It shows an implementation method for storing the linkage processing.

In addition, the database shown in FIG. 4 does not have to be provided on a DBMS provided on the financial system as in the embodiment shown in FIG. It may be configured in the form of a database on a banking system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 4, the database stores and stores the customer information, the traffic fee payment amount information, the check card information, and the account information included in the traffic fee payment information in association with each other. It is preferable that the CIF number corresponding to the ledger information is further included in the traffic fare payment information in order to be processed in association with the ledger D / B.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). It is preferable that the at least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system corresponding to the customer.

Preferably, the traffic fare payment amount information includes the amount of money information designated by the customer for payment of the fare in the balance of the check card payment account in the month (eg, the following month). It is preferable that payment is limited to binding deposits in the check card payment account.

The check card information is issued under the name of the customer, and preferably includes a card number corresponding to a check card equipped with a postpaid transportation card function, a card issuance date, an expiration date, a card product name, and the like.

The account information is opened in the name of the customer, the account number, deposit type, customer number, new date, issuance date, account management point, bank account issuing branch corresponding to the account for the debit function of the check card in connection with the check card , Issuance number, certificate number, etc. It is preferable to comprise at least one or more.

FIG. 5 is a diagram illustrating the construction of a traffic fare payment information stored in a DBMS provided in a banking server in a face-to-face manner to settle a check card postpaid traffic fare according to another embodiment of the present invention.

In more detail, FIG. 5 shows a DBMS in which the storage medium 230 shown in FIG. 2 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. In one embodiment provided in the present invention, those skilled in the art to which the present invention belongs, traffic charges stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying the figure 5 It will be possible to infer a method of constructing information on payment information, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 5, a predetermined DBMS provided in the banking server may store and store customer information, traffic fee payment amount information, check card information, and account information included in the traffic fee payment information. .

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). It is preferable that the at least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system corresponding to the customer.

Preferably, the traffic fare payment amount information includes the amount of money information designated by the customer for payment of the fare in the balance of the check card payment account in the month (eg, the following month). It is preferable that payment is limited to binding deposits in the check card payment account.

The check card information is issued under the name of the customer, and preferably includes a card number corresponding to a check card equipped with a postpaid transportation card function, a card issuance date, an expiration date, a card product name, and the like.

The account information is opened in the name of the customer, the account number, deposit type, customer number, new date, issuance date, account management point, bank account issuing branch corresponding to the account for the debit function of the check card in connection with the check card , Issuance number, certificate number, etc. It is preferable to comprise at least one or more.

6 is a diagram illustrating a process of registering traffic fare payment information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 6 illustrates a case in which the information registration server 200 on the payment information registration system shown in FIG. 2 has a ledger server (not shown) function on a financial system linked to a counter terminal through a predetermined financial network. In the above, the window terminal is connected to the information registration server 200 and connected to the communication channel for registration of payment information according to the present invention, the customer information, to the information registration server 200 through the communication channel, When the traffic fee payment information including the traffic fee payment amount information, the check card information, and the account information is transmitted, the customer information and the traffic fee payment amount included in the received traffic fee payment information are transmitted from the information registration server 200. The present invention relates to an implementation method of linking information, check card information, and account information to a predetermined storage medium 230, and having a general knowledge in the technical field to which the present invention pertains. 6 may be inferred from various methods of registering the traffic fare payment information with the information registration server 200 in the window terminal, but the present invention includes all the inferred implementation methods. It is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 6, the window terminal shown in FIG. 2 will be referred to as a "terminal" for convenience, and the information registration server 200 shown in FIG. 2 will be referred to as a "server" for convenience, and the information will be registered in the window terminal. The customer information, the traffic fare payment amount information, the check card information, and the account information transmitted to the server 200 are referred to as "traffic fare payment information" for convenience.

Referring to FIG. 6, the window terminal shown in FIG. 2 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the traffic fare payment information, and setstles the postpaid transportation fee of the check card. When requesting to register the traffic fare payment information for (600), the server generates (or extracts) a predetermined information registration interface for registering the traffic fare payment information (605), the generation through the communication channel The data registration interface (or extracted) is transmitted to the terminal and output (operation 610).

According to an embodiment of the present invention, the information registration interface is a user for inputting (or selecting) traffic fare payment information including at least one of the customer information, traffic fare payment amount information, check card information, and account information in the terminal. It is preferred to include an interface.

Thereafter, the terminal inputs (or selects) traffic fee payment information including at least one or more customer information, traffic fee payment amount information, check card information, and account information through the information registration interface (615).

If the terminal receives (or selects) traffic fee payment information including the customer information, the traffic fee payment amount information, the check card information, and the account information through the information registration interface (620), the terminal is connected to the financial network. Through 625, the fare payment information including the input (or selected) customer information, traffic fare payment amount information, check card information, and account information is transmitted to the server.

Thereafter, the server receives and reads the customer information, the traffic fare payment amount information, the check card information, and the account information through the financial network to confirm the validity of the traffic fare payment information (630).

According to an embodiment of the present invention, the validity of the traffic fare payment information is registered at least one or more ledger information matching the traffic fare payment information in the ledger D / B on the financial system associated with the payment information registration system It is preferable to include checking whether there is.

For example, checking the validity of the traffic fare payment information includes checking whether the customer information included in the traffic fare payment information matches the customer ledger stored in the ledger D / B on the financial system associated with the payment information registration system. It is preferable to make it.

In addition, the validity check of the traffic fare payment information includes checking whether the account information included in the traffic fare payment information matches an account ledger stored in the ledger D / B on the financial system associated with the payment information registration system. It is preferable to make it.

In addition, the validity check of the traffic fare payment information is determined by the traffic fare payment amount information included in the fare payment information corresponding to the account ledger stored in the ledger D / B on the financial system associated with the payment information registration system It is desirable to make sure that the balance of the account is satisfied ”.

If the validity of the traffic fare payment information is not authenticated (635), the server generates predetermined information registration error information and transmits it to the terminal (640), and performs an information registration procedure corresponding to the traffic fare payment information. Do not perform.

On the other hand, if the validity of the traffic fare payment information is authenticated (635), the server performs the information registration procedure corresponding to the traffic fare payment information, the customer information, traffic fare payment amount information, check card information, account information In step 645, the data is stored in a predetermined storage medium 230 in a cooperative process.

According to one embodiment of the invention, the storage medium 230 is preferably provided in a DBMS on a financial system provided on the payment information registration system (or associated with the payment information registration system), wherein Storage medium 230 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 230 is an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the payment information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (650), thereby completing the procedure of registering the traffic fare payment information transmitted from the terminal.

7 is a diagram illustrating a non-face-to-face payment information registration system for settlement of a deferred payment fee for a debit card according to another exemplary embodiment of the present invention.

In more detail, Figure 7 shows a predetermined customer (e.g., a customer using a check card having a postpaid transportation card function) to settle the check card postpaid transportation fee to the payment information registration system through a predetermined information registration interface. When providing the transportation fee payment information including at least one of transportation fee payment amount information, check card information, account information, the customer information, traffic fee payment amount information included in the provided transportation fee payment information in the payment information registration system , A system for storing check card information and account information in a predetermined storage medium 730, and those skilled in the art to which the present invention pertains may refer to or modify the present invention. It is possible to infer various implementation methods for the establishment of payment information registration system for settlement of deferred transportation fare for check cards. However, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means or function configuration for storing the traffic fare payment information provided from the customer in the storage medium 730 through a predetermined information registration interface on the payment information registration system shown in FIG. The component to be referred to as "information registration server 700" for convenience.

Referring to FIG. 7 according to an embodiment of the present invention, the payment information registration system for the settlement of the postpaid transportation fee check card includes at least one client terminal including at least one wired terminal or a wireless terminal used by a customer. Characterized in that it comprises an information registration terminal, the information registration terminal is connected to the communication channel and the information registration server 700 provided on the payment information registration system through a predetermined network means.

According to an embodiment of the present invention, the customer accesses the information registration server 700 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, and the information. Entering (or selecting) the traffic fare payment information for the settlement of the deferred payment fee for the check card through at least one user interface provided by the registration server 700, the client terminal registers the payment information through a predetermined network means. It is preferable to transmit to the information registration server 700 provided on the system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer or a notebook computer connected to the TCP / IP based communication network ( Notebook, or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network. desirable.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

The information registration server 700 connected to the client terminal may be one of an internet banking server, a wireless banking server, a tele banking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for.

The network means for connecting the client terminal and the information registration server 700 may be a CDMA based mobile communication network, an IEEE 802.16x based mobile Internet, or a DataTAC / Mobitex based wireless device, depending on the type of wireless communication network to which the client terminal is connected. Any one of the data communication networks, or preferably includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 700, and inputs or selects at least one or more information through the user interface and transmits the information to the information registration server 700. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 700) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the payment information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired communication network or wireless connecting the client terminal and the information registration server 700. The communication network performs a function of an information registration interface for the customer to register the traffic fare payment information for the settlement of the deferred payment fare for the check card.

According to another exemplary embodiment of the present invention, the information registration terminal, in addition to the client terminal, a cash automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network), a cash dispenser (Cash Dispenser) A telephone call further comprising a financial automation device (not shown) including a CD, or connected to a fixed telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. It further comprises a terminal (not shown), or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, wireless VoIP network, or at least one or more affiliated with the financial institution Terminals (or servers) (not shown) provided in the engine may be further included, whereby the present invention is not limited.

In the payment information registration system as described above, when the information registration terminal is the automatic teller machine (not shown), the automatic teller machine (not shown), the automatic teller machine (not shown) and the information registration server 700 ), The financial network that connects the customer performs a function of an information registration interface for registering the traffic fare payment information for the settlement of the post-paid transportation fee check card, or the information registration terminal is the call terminal (not shown) In the case of a wired telephone network or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 700, the customer pays the transportation fee for the settlement of the postpaid transportation fee of the check card. A terminal provided in an institution affiliated with the financial institution that performs the function of an information registration interface for registering information or the information registration terminal ( Is a server (not shown), the network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the information registration server 700 is the check card of the customer. Performs the function of the information registration interface for registering the traffic fare payment information for the settlement of postpaid traffic fare.

The storage medium 730 provided on the payment information registration system according to the present invention includes the customer information, traffic fee payment amount information, check card information, and account information included in the traffic fee payment information provided from the information registration terminal. Characterized in that for storing in a predetermined storage medium 730, the traffic information including at least one of the customer information, traffic charge amount information, check card information, account information stored in the storage medium 730 The fare payment information is used to settle the postpaid transportation fee of the check card.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). It is preferable that the at least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system corresponding to the customer.

Preferably, the traffic fare payment amount information includes the amount of money information designated by the customer for payment of the fare in the balance of the check card payment account in the month (eg, the following month). It is preferable that payment is limited to binding deposits in the check card payment account.

The check card information is issued under the name of the customer, and preferably includes a card number corresponding to a check card equipped with a postpaid transportation card function, a card issuance date, an expiration date, a card product name, and the like.

The account information is opened in the name of the customer, the account number, deposit type, customer number, new date, issuance date, account management point, bank account issuing branch corresponding to the account for the debit function of the check card in connection with the check card , Issuance number, certificate number, etc. It is preferable to comprise at least one or more.

According to one embodiment of the invention, the storage medium 730 is preferably provided in a DBMS on a financial system provided on the payment information registration system (or associated with the payment information registration system), wherein The storage medium 730 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 730 may be one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the payment information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The information registration server 700 provided on the payment information registration system according to the present invention is a generic term for the payment information registration system-side components connected to the information registration terminal through a predetermined network means, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connectable to an Internet banking server on a predetermined internet banking system, the information registration server 700 is the Internet banking. A predetermined Internet banking server provided on the system, a program provided in the Internet banking server, or a predetermined server (or device) accessible to the external system of the financial system through the Internet banking system, or the server A program included in (or a device), or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or a target on the financial system. It may be a program provided in the outer world, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information registration server 700 is on the wireless banking system. A predetermined wireless banking server or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the wireless banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 700 is located on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server) or a program provided in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system. (Or a device), a program provided in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the telebanking server (or the server (or device)). Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 700 is the TV banking system. A predetermined TV banking server provided on the program, a program provided in the TV banking server, a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to an embodiment of the present invention, the information registration server 700 is characterized by comprising an interface unit 705 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 705 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 705 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 700, the interface unit 705 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 705 may be configured based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 705 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Or, if the client terminal is provided with a communication program (eg, IC chip-based banking program, etc.) provided by the information registration server 700, the interface unit 705 and the client terminal based on the CDMA protocol It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface unit 705 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 705 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 705 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 705 is based on a protocol stack defined in the TV banking system. Connects a predetermined communication channel with the wired terminal (or bidirectional digital TV), and transmits and receives at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It would be desirable to provide a communication interface for the present invention.

Referring to FIG. 7, the information registration server 700 connects a communication channel with the information registration server 700 through the interface unit 705 and then connects the communication unit 705 with the interface unit 705. An interface providing unit 710 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined traffic fare payment information from the information registration terminal in association with the information registration terminal; An information receiving unit 715 for receiving predetermined traffic fare payment information input (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 705 and the received traffic fare payment information. It includes an information storage unit 725 for storing the information stored in a predetermined storage medium 730 by linking the included customer information, transportation fee payment amount information, check card information, account information Characterized in that made.

The interface providing unit 710 connects a communication channel with the information registration server 700 through the interface unit 705 after the predetermined information registration terminal corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) traffic fare payment information to the information registration server 700 through the network means, or extracting from a predetermined database (not shown), and extracting the interface unit. In operation 705, the generated (or extracted) user interface may be provided to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) the traffic fare payment information including at least one of the customer information, the traffic fare payment amount information, the check card information, and the account information based on the user interface. Or) transmits the selected transportation fare payment information to the information registration server 700 through the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 710 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 705.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface providing unit 710 may provide a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a user interface of the, and provide the generated (or extracted) user interface to the automatic teller machine through the interface unit 705.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 710 is a browser program or communication provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 705.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 710 may be provided to the call terminal (not shown). Generating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 705. desirable.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 710 is connected to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided, and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 705.

According to another embodiment of the present invention, a predetermined type having at least one user interface for inputting (or selecting) the traffic fare payment information to the information registration terminal and transmitting the information to the information registration server 700 through the network means. When the information registration program is provided, the interface providing unit 710 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 715 inputs (or selects) traffic fee payment information including at least one of customer information, traffic fee payment amount information, check card information, and account information through the user interface at the information registration terminal. When transmitting through a network means, the traffic fare payment information is received in conjunction with the interface unit 705, and provides the received traffic fare payment information to the validity check unit 720.

The validity confirming unit 720 is characterized in that whether the traffic fee payment information received from the information registration terminal satisfies the validity for the settlement of the deferred payment fee for the check card.

According to the method of the present invention, at least one ledger information matching the traffic fare payment information is registered in the ledger D / B on the financial system associated with the payment information registration system. It is preferable to include checking whether there is.

For example, checking the validity of the traffic fare payment information includes checking whether the customer information included in the traffic fare payment information matches the customer ledger stored in the ledger D / B on the financial system associated with the payment information registration system. It is preferable to make it.

In addition, the validity check of the traffic fare payment information includes checking whether the account information included in the traffic fare payment information matches an account ledger stored in the ledger D / B on the financial system associated with the payment information registration system. It is preferable to make it.

In addition, the validity check of the traffic fare payment information is determined by the traffic fare payment amount information included in the fare payment information corresponding to the account ledger stored in the ledger D / B on the financial system associated with the payment information registration system It is desirable to make sure that the balance of the account is satisfied ”.

When the validity of the traffic fare payment information is confirmed, the information storage unit 725 associates the customer information, the traffic fare payment amount information, the check card information, and the account information included in the traffic fare payment information with the storage medium. And the storage medium 730 is provided in the information registration server 700 or on the network associated with the information registration server 700. 725 is preferably stored in the storage medium 730 by linking the customer information, the transportation fee payment amount information, check card information, account information included in the received transportation fee payment information, the storage medium ( When 730 is provided in the DBMS provided on the financial system, the information storage unit 725 stores the customer information, the traffic fee payment amount information, the check card information, and the account information included in the received traffic fee payment information. It is preferable to provide the information system through the external system on the financial system and store it in the DBMS provided on the financial system.

8 is a diagram illustrating a process of registering traffic fare payment information in a non-face-to-face manner in order to settle a check card postpaid traffic fare according to one embodiment of the present invention.

In more detail, FIG. 8 illustrates a case where the information registration server 700 on the payment information registration system shown in FIG. 7 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 700 and connecting a communication channel for registration of payment information according to the present invention, the customer information, traffic fee payment amount information, check to the information registration server 700 through the communication channel When the traffic fee payment information including card information and account information is transmitted, customer information, traffic fee payment amount information, check card information, and account information included in the received traffic fee payment information are transmitted from the information registration server 700. As an embodiment of the present invention relates to an implementation method of storing the data in a predetermined storage medium 730, and having ordinary skill in the art to which the present invention pertains, 8 may be inferred from various implementation methods for registering the traffic fare payment information from the client terminal to the information registration server 700, but the present invention includes all the inferred implementation methods, It is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the client terminal shown in FIG. 7 is referred to as "terminal" for convenience, and the information registration server 700 shown in FIG. 7 is called "server" for convenience, and the information registration is performed in the client terminal. The customer information, the traffic fare payment amount information, the check card information, and the account information transmitted to the server 700 are referred to as "traffic fare payment information" for convenience.

Referring to FIG. 8, the client terminal shown in FIG. 7 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based mobile). A predetermined communication channel for registering the traffic fare payment information by accessing the server through a communication network or an IEEE 802.16x-based portable Internet, etc., and registering the traffic fare payment information for payment of the postpaid traffic fee Request (800), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the traffic fare payment information (805), and generates (or extracts) through the communication channel. The transmitted web page is output to the terminal (810).

According to an embodiment of the present invention, the information registration interface is a user for inputting (or selecting) traffic fare payment information including at least one of the customer information, traffic fare payment amount information, check card information, and account information in the terminal. It is preferred to include an interface.

In addition, the web page transmission or output process is preferably performed at least one or more times according to the traffic fare payment information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) traffic fee payment information including at least one customer information, traffic fee payment amount information, check card information, and account information through the information registration interface (815).

If the terminal receives (or selects) traffic fee payment information including the customer information, the traffic fee payment amount information, the check card information, and the account information through the information registration interface (820), the terminal transmits the communication channel. In operation 825, the inputted (or selected) customer information, transportation fee payment amount information, check card information, and account information are transmitted to the server.

According to an embodiment of the present invention, transmitting the input (or selected) customer information, traffic charge amount information, check card information, and account information to the server through the communication channel is input through the information registration interface. (Or the selected) may further comprise transmitting the electronic traffic signature or encryption to the server through the security module provided in the terminal.

Thereafter, the server receives and reads the customer information, the traffic fee payment amount information, the check card information, and the account information through the communication channel to confirm the validity of the traffic fee payment information (830).

According to an embodiment of the present invention, checking the validity of the traffic fare payment information may include decrypting the traffic fare payment information when the traffic fare payment information is electronically signed or encrypted through a security module provided in the terminal. Alternatively, or may further include decoding the traffic fare payment information.

According to the method of the present invention, at least one ledger information matching the traffic fare payment information is registered in the ledger D / B on the financial system associated with the payment information registration system. It is preferable to include checking whether there is.

For example, checking the validity of the traffic fare payment information includes checking whether the customer information included in the traffic fare payment information matches the customer ledger stored in the ledger D / B on the financial system associated with the payment information registration system. It is preferable to make it.

In addition, the validity check of the traffic fare payment information includes checking whether the account information included in the traffic fare payment information matches an account ledger stored in the ledger D / B on the financial system associated with the payment information registration system. It is preferable to make it.

In addition, the validity check of the traffic fare payment information is determined by the traffic fare payment amount information included in the fare payment information corresponding to the account ledger stored in the ledger D / B on the financial system associated with the payment information registration system It is desirable to make sure that the balance of the account is satisfied ”.

If the validity of the traffic fare payment information is not authenticated (835), the server generates a web page including predetermined information registration error information and transmits it to the terminal (840), corresponding to the traffic fare payment information. Do not perform the information registration procedure.

On the other hand, if the validity of the traffic fare payment information is authenticated (835), the server performs the information registration procedure corresponding to the traffic fare payment information, the customer information, traffic fare payment amount information, check card information, account information In step 845, the data is stored in a predetermined storage medium 730.

According to one embodiment of the invention, the storage medium 730 is preferably provided in the DBMS on the financial system provided on the payment information registration system (or associated with the payment information registration system), wherein the Storage medium 730 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 730 may be one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the payment information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (850), thereby completing the procedure of registering the traffic fare payment information transmitted from the terminal.

9A and 9B illustrate a process of registering traffic fare payment information in a non-face-to-face manner to settle a check card postpaid traffic fare according to another exemplary embodiment of the present invention.

In more detail, FIGS. 9A and 9B illustrate a case in which the payment information registration system shown in FIG. 7 is realized through an Internet banking system among non-face-to-face channel-based banking systems. For example, after accessing the Internet banking server through the Internet and performing a predetermined customer authentication procedure, the client terminal transmits predetermined traffic fare payment information for settlement of a deferred payment fee for the check card to the Internet banking server. When the traffic fare payment information including information, traffic fare payment information, check card information, account information is transmitted, the customer information included in the received traffic fare payment information and traffic fare payment are transmitted from the information registration server 700. The present invention relates to a method of storing the amount information, the check card information, and the account information in a predetermined storage medium 730 by linking and processing them. For those of ordinary skill in the art to which the present invention pertains, various implementation methods for registering the traffic fare payment information from the client terminal to the information registration server 700 by referring to or modifying the drawings 9a and 9b. It may be inferred that, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in Figures 9a and 9b.

That is, in FIG. 9A and FIG. 9B, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft's Internet Explorer or Netscape's Netscape Navigator, etc.) included in the client terminal, the browser program is based on the browser program. FIG. 9A illustrates a method for connecting an internet banking-based financial transaction channel for registering traffic fare payment information between the client terminal and the internet banking server. Traffic fee payment information between the client terminal and the Internet banking server based on a predetermined internet banking program mounted on the client terminal by referring to or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIG. 9b. Etc It would be possible to infer an implementation method of linking an internet banking based financial transaction channel for a lock, but the present invention includes an provided internet banking based financial transaction based on the internet banking program, whereby the present invention is not limited thereto. No.

In addition, those skilled in the art to which the present invention pertains, refer to or modify the Internet banking-based financial transaction channel connection method shown in Figures 9a and 9b, in addition to the Internet banking system, a telebanking system or wireless In another banking system such as a banking system or a TV banking system, an implementation method of linking a non-face-to-face channel-based financial transaction channel for registering traffic fare information may be inferred. However, the present invention provides the telebanking system or the wireless banking system. It includes all types of non-face-to-face channel-based financial transactions, including TV banking systems or future proposed face-to-face channel banking systems, the technical configuration of the present invention being limited to the case of the Internet banking shown in Figures 9a and 9b. Is never.

In the following Figures 9a and 9b, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the information registration server 700 is referred to as "server" for convenience.

9A and 9B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (900a), the server communicates between the terminal and the server through the browser. (905a), where the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in the terminal It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 910a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby the internet banking program (or internet banking). Whether to update the security module associated with the program) can be checked.

If a predetermined security module is mounted or updated in the terminal (915a), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 920a.

If the terminal does not need to install or update the latest version of the security module for internet banking (925a), or if the terminal does not need to load or update the security module for internet banking (915a), the server is mounted on the terminal. By activating the security module for the Internet banking, the Internet banking security channel is connected between the terminal and the server (or the communication channel between the terminal and the server to a secure channel) (930a), where the security channel for the Internet banking Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal confirms the digital signature or corresponds to the encryption scheme (or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decoding method (or decryption algorithm), and the predetermined information is provided in the information (or data) to be provided to the server for registration of the traffic toll payment information. When the digital signature is attached or encrypted and transmitted using at least one encryption method (or encryption algorithm), the server verifies the digital signature or a predetermined decryption method (or decryption) corresponding to the encryption method (or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). A communication channel for decoding the information (or data) by a decryption method (or a decryption algorithm), and a predetermined electronic signature on information (or data) to be provided to the server for registering the traffic fare payment information. Or at least one encryption method (and Encrypting the data using an encryption algorithm), and the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). It means communication channel.

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or decryption function for the information (or data) by using the customer's authorized certificate mounted on the terminal.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (935a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data in response to the request, requests an Internet banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting it to the server (or authentication server) (940a). In operation 945a, the server (or the authentication server) authenticates the customer connected through the terminal as the Internet banking customer for the non-face-to-face financial transaction based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (950a), the server blocks the Internet banking security channel for the terminal (955a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (950a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (960a), where the Internet banking based The financial transaction channel refers to a communication channel that transmits and registers predetermined traffic fare payment information for settlement of a check card postpaid traffic fare from the terminal to the server.

Subsequently, when the terminal requests internet banking based traffic fare payment information registration to the server through the inter-banking-based financial transaction channel to register traffic fare payment information (900b), the server registers the traffic fare payment information. A web page corresponding to a predetermined information registration interface is generated (or extracted) (905b), and the generated (or extracted) web page is transmitted to the terminal and output through the internet banking-based financial transaction channel (910b). ).

According to an embodiment of the present invention, the information registration interface includes an interface for inputting (or selecting) traffic fare payment information including at least one of customer information, traffic fare payment amount information, check card information, and account information. Preferably, or a predetermined password (for example, account password) or security code (for example, to verify the validity of the Internet banking customer requesting registration of the transportation fee payment information or the traffic fee payment information). A security code printed on a security card issued to a customer during the internet banking application process, or an OTP (One Time Password) (e.g., an internet banking application process (or after an internet banking application) OTP authentication program) further comprises an interface for inputting a one-time password generated through) It is preferable.

In addition, the web page transmission or output process is preferably performed at least one or more times according to the traffic fare payment information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) traffic fee payment information including at least one of the customer information, traffic fee payment amount information, check card information, and account information through the information registration interface (915b).

If the terminal receives (or selects) traffic fee payment information including the customer information, the traffic fee payment amount information, the check card information, and the account information through the information registration interface (920b), the terminal transmits the financial transaction. The fare payment information input (or selected) is transmitted to the server through a channel (925b).

According to an embodiment of the present invention, transmitting the input (or selection) traffic fare payment information through the financial transaction channel to the server, the traffic fare payment information input (or selected) through the information registration interface It comprises the electronic signature or encryption through the security module provided in the terminal and transmitting to the server.

Thereafter, the server receives and reads the traffic fare payment information through the financial transaction channel to check the validity of the traffic fare payment information (930b).

According to an embodiment of the present invention, checking the validity of the traffic fare payment information may include decrypting the traffic fare payment information when the traffic fare payment information is electronically signed or encrypted through a security module provided in the terminal. Alternatively, or may further include decoding the traffic fare payment information.

In addition, the validity check of the traffic fare payment information, it is preferable to further comprise authenticating a password or security code or OTP included in the traffic fare payment information.

According to the method of the present invention, at least one ledger information matching the traffic fare payment information is registered in the ledger D / B on the financial system associated with the payment information registration system. It is preferable to include checking whether there is.

For example, checking the validity of the traffic fare payment information includes checking whether the customer information included in the traffic fare payment information matches the customer ledger stored in the ledger D / B on the financial system associated with the payment information registration system. It is preferable to make it.

In addition, the validity check of the traffic fare payment information includes checking whether the account information included in the traffic fare payment information matches an account ledger stored in the ledger D / B on the financial system associated with the payment information registration system. It is preferable to make it.

In addition, the validity check of the traffic fare payment information is determined by the traffic fare payment amount information included in the fare payment information corresponding to the account ledger stored in the ledger D / B on the financial system associated with the payment information registration system It is desirable to make sure that the balance of the account is satisfied ”.

If the validity of the traffic fare payment information is not authenticated (935b), the server generates a web page including predetermined traffic fare payment information registration error information and transmits it to the terminal (940b), and the traffic fare payment Do not perform the information registration procedure corresponding to the information.

On the other hand, if the validity of the traffic fare payment information is authenticated (935b), the server performs the information registration procedure corresponding to the traffic fare payment information, the customer information included in the traffic fare payment information, traffic fare payment amount information In operation 945b, the check card information and the account information are cooperatively processed and stored in the predetermined storage medium 730.

According to one embodiment of the invention, the storage medium 730 is preferably provided in the DBMS on the financial system provided on the payment information registration system (or associated with the payment information registration system), wherein the Storage medium 730 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 730 may be one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the payment information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined traffic fare payment information registration history information and transmits it to the terminal (950b), thereby completing the traffic fare payment information registration transmitted from the terminal.

FIG. 10 is a diagram illustrating a settlement processing system for settlement of a deferred payment fee for a debit card according to an exemplary embodiment of the present invention.

More specifically, FIG. 10 provides a predetermined customer (eg, a check card user having a postpaid transportation card function) to settle a check card postpaid transportation fee through a payment information registration system shown in FIG. 2 or FIG. 7. After the customer information, transportation fee payment amount information, check card information, and account information included in the traffic fare payment information are stored and stored in a storage medium, the customer uses the check card on a daily basis during the post-payment settlement cycle. Check the accumulated traffic fare use amount and compare the confirmed transportation fare use amount with the transportation fare payment amount stored in the storage medium, and the accumulated fare use amount of the customer is stored in the storage medium. If the amount is exceeded, the transportation fee payment amount is automatically accumulated in the check card payment account by the amount exceeded. The present invention relates to a system configuration to increase the number of the present invention. Those skilled in the art to which the present invention pertains will refer to or modify the drawing 10 and various implementation methods of the settlement processing system for the settlement of the check card postpaid transportation fee. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, the cumulative amount of traffic charge usage, which collects customer card information and traffic charge usage information, which are periodically provided from at least one traffic fee payment terminal or traffic fee payment server on the settlement processing system shown in FIG. The check card payment account is calculated when the amount of traffic charges stored by the customer exceeds the amount of traffic charges stored on the storage medium by comparing the confirmed amount of traffic charges with the amount of traffic charges stored in the storage medium. At least one means or function for automatically accumulating the traffic fare payment amount by the excess amount and updating the traffic fare payment amount information stored in the storage medium to the accumulated amount for convenience. This is referred to as "the settlement processing server 1000".

In addition, in FIG. 10, in the settlement processing server 1000, a function configuration for checking a cumulative amount of traffic fare use using the check card of the customer in connection with the traffic fare payment server (or terminal), and the confirmed traffic fare And a function of comparing the accumulated usage amount with the transportation fare settlement amount stored in the storage medium, and if the accumulated transportation fare usage amount of the customer exceeds the transportation fare settlement amount stored in the storage medium, the check card payment account is It includes both a function configuration for automatically accumulating the traffic fare payment amount by the amount exceeded, and a function configuration for processing the cumulative amount of the traffic fare usage of the customer within the traffic fare payment amount stored in the storage medium. However, the present invention is not limited by this, and the settlement processing server 1000 is configured for each function. It is clear that this can be done through a separate server (or device).

The financial system linked to the settlement processing server 1000 is a generic term for a computerized system having a ledger corresponding to a financial account (check card payment account) opened to be linked to the check card of the customer. At least one window terminal provided at a branch (or branch) of the institution and a predetermined financial network (for example, a branch network), and face to face at least one financial transaction customer through the window terminal. It is desirable to provide financial transaction services.

Referring to FIG. 10, the financial system opens a financial account associated with a check card having a postpaid transportation card function to the customer, and provides a financial institution with at least one financial transaction service based on the financial account. The computer system is provided, which includes an account system that processes a window service such as a credit or a reception or a trust or a foreign exchange occurring in at least one branch (or a window), information of a headquarters business, branch office information support, and customer information management. Interconnection between the financial system and the financial system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chips) provided in at least one external communication network. -Based wireless banking, telebanking, TV banking, etc.) to access the financial system, Or an external system that provides various financial transaction interfaces through at least one common network (eg, a CD common network, a financial common network), and the financial system includes interfacing between components in the financial system. Interface module corresponding to the middleware platform that provides the data, and stores the predetermined information (eg, ledger information, customer information, or management information, etc.) required for each function in the components of the financial system. And a DBMS (DataBase Management System) including at least one database to be managed.

Referring to FIG. 10, the settlement processing server 1000 may receive check card information and a traffic fee usage amount used by a customer for payment of a traffic fare from at least one traffic fare payment terminal or at least one traffic fare payment server. An amount checking unit 1010 for collecting the received check card information and the amount of the traffic fare, and confirming the accumulated amount of the traffic fare corresponding to the check card of the customer; The amount comparison unit 1015 for checking (or extracting) the traffic fare payment amount information previously stored in the storage medium corresponding to the check card information whose amount is confirmed, and comparing the accumulated fare with the traffic fare, and the traffic fare payment amount As a result of comparing the information with the cumulative amount of traffic fare, if the cumulative amount of traffic fare exceeds the amount of the fare payment, A payment amount accumulating unit 1020 for automatically accumulating an excess amount in the traffic fare payment amount, and a settlement processing unit 1025 for processing the cumulative use of the traffic fare as the predetermined traffic fare payment amount. And an information storage unit 1030 for storing the traffic fare payment amount accumulated in the storage medium in association with the check card information and the customer information.

In more detail, the information receiving unit 1005 receives check card information and traffic fare use amount information used by the customer for payment of the fare from at least one traffic fare payment terminal or at least one traffic fare payment server. Then, the received check card information and transportation fee use amount information is provided to the amount confirmation unit 1010.

The amount checking unit 1010 collects the check card information and the traffic fare use amount received through the information receiving unit 1005, and confirms the cumulative amount of the transportation fare corresponding to the check card of the customer. .

According to an embodiment of the present invention, the amount checking unit 1010 checks the accumulated amount of traffic fare used by the customer using the check card on a daily basis during the postpay settlement period. The amount of the used transportation fee and the check card information are provided to the amount comparison unit 1015.

When the amount comparison unit 1015 receives the cumulative use amount of the transportation fare and the check card information of the customer from the amount confirmation unit 1010, the transportation fare payment amount information of the customer corresponding to the check card information (eg, the When the customer pays the postpaid traffic using the check card, the customer confirms (or extracts) the amount information designated for use for the payment of the postpaid traffic fare regardless of the balance of the payment account from the storage medium, and the confirmation (or the extraction). The traffic fare payment amount and the cumulative amount of the traffic fare are compared, and the comparison result is provided to the payment amount accumulator 1020 and the settlement processor 1025.

The payment amount accumulating unit 1020 compares the traffic fare payment amount information with the traffic fare cumulative use amount through the comparison unit, and when the cumulative amount of the traffic fare exceeds the traffic fare payment amount, The excess amount is automatically accumulated and accumulated in the transportation fare payment amount in the balance of the check card payment account, and the traffic fare payment amount information stored in the storage medium is updated to the accumulated amount. A cumulative amount of money is provided to the information storage unit 1030.

The settlement processing unit 1025 compares the traffic fare payment amount information with the traffic fare accumulated amount using the comparison unit, and when the accumulated traffic fare amount does not exceed the traffic fare payment amount, the designated traffic It is characterized in that the settlement processing by subtracting the cumulative use amount of the transportation fare from the fare payment amount.

The information storage unit 1030 is characterized in that the cumulative details of the transportation fee payment amount stored in the storage medium by processing in conjunction with the check card information and customer information.

FIG. 11 is a diagram illustrating a settlement processing process for settlement of a deferred payment fee for a debit card according to an exemplary embodiment of the present invention.

In more detail, in FIG. 11, the settlement processing server 1000 on the settlement processing system shown in FIG. 10 confirms the cumulative amount of traffic fare use paid by the customer using the check card on a daily basis during the post-payment settlement cycle. And comparing the confirmed transportation fare usage amount with the transportation fare payment amount stored in the storage medium, and when the accumulated fare usage amount of the customer exceeds the transportation fare payment amount stored in the storage medium, the check card Regarding the process of automatically accumulating the traffic fare payment amount by the excess amount in a payment account, if the person of ordinary skill in the art to which the present invention pertains, refer to or modify this drawing 11 to deferred postpaid transportation Various implementation methods for the settlement process for bill settlement may be inferred, but the present invention is inferred from the above. Includes all implementation methods and is not limited to the implementation method illustrated in FIG.

Referring to FIG. 11, a predetermined customer (for example, a customer using a check card having a postpaid transportation card function) provides for settlement of a postpaid transportation fee through a payment information registration system shown in FIG. 2 or FIG. 7. Customer information, transportation fee payment amount information, check card information, account information included in the traffic fare payment information is preferably started after being stored in a storage medium by the associated processing, the settlement processing server 1000 shown in FIG. Receives the check card information and the transportation fee use amount information from the traffic fare payment server (or terminal) in (1100).

When the check card information and the traffic fare use amount information are received, the settlement processing server 1000 collects the received check card information and the traffic fare use amount (1105) and accumulates the traffic fare corresponding to the customer's check card. Check the amount of money used (1110).

In addition, the settlement processing server 1000 may determine the amount of the customer's transportation fare information corresponding to the check card information (for example, when the customer pays the postpaid traffic using the check card, regardless of the balance of the payment account. The amount information specified for use for payment is checked (or extracted) from the storage medium (1115).

If the traffic charge payment amount information of the customer corresponding to the check card information is confirmed from the storage medium (1120), the settlement processing server 1000 determines the checked (or extracted) traffic charge payment amount and the traffic fee. The cumulative use amount is compared (1125).

As a result of comparing the traffic fare payment amount information with the traffic fare cumulative use amount, when the cumulative amount of the traffic fare exceeds the traffic fare payment amount (1130), the settlement processing server 1000 may set the traffic fare payment amount. The cumulative usage amount exceeding is set to be withdrawn from the balance of the check card payment account (1135).

In addition, the settlement processing server 1000 further accumulates the traffic fee payment amount from the check card payment account as much as the accumulated cumulative use amount (1140).

Thereafter, the settlement processing server 1000 stores the transportation fee settlement amount accumulation history and settlement processing history in a storage medium (1445).

On the other hand, when the traffic fare payment amount information and the cumulative amount of the traffic fare are compared, and the traffic fare payment amount does not exceed the fee payment amount (1150), the server from the previously stored traffic fare payment amount The settlement is made by deducting the cumulative use amount of the traffic fare.

Thereafter, the server accumulates the traffic fee payment amount in the check card payment account as much as the deducted amount (1155).

According to the present invention, there is an advantage in that a problem caused by a difference between the payment account balance and the monthly use transportation fee, which changes from time to time, is used when using a debit function as a postpaid transportation card.

In addition, there is an advantage that can be used to activate the check card through the postpaid transportation fee payment service.

Claims (4)

Storing the traffic fare payment information including at least one of customer information, traffic fare payment amount information, check card information, and account information in order to settle the check card postpaid traffic fare provided from the customer terminal in the server; Confirming, by the server, a cumulative amount of traffic fare use paid by the customer on a daily basis during the post-payment settlement cycle; Comparing the confirmed traffic fare use amount with the traffic fare payment amount stored in the storage medium in a server; If the cumulative amount of the traffic fare usage of the customer in the server exceeds the traffic fare payment amount stored in the storage medium, the traffic fare payment amount is automatically accumulated by the excess amount in the check card payment account, the storage medium Updating the traffic fare payment amount information stored in the accumulated amount; And And processing the check card post-paid traffic fee with the accumulated traffic fee payment amount at a server. The method of claim 1, wherein the traffic fare payment amount information is set by the customer. The method of claim 1, wherein the transportation fee payment amount, Check card post-paid transportation fee settlement processing method characterized in that the payment is limited to a binding deposit for the post-paid transportation fee payment using the check card. Information storage means for storing the traffic fare payment information including at least one of customer information, traffic fare payment amount information, check card information, and account information in order to settle the deferred transportation fare for the check card; An amount checking means for checking a cumulative amount of traffic fare used by a customer on a daily basis during a post-payment settlement cycle; An amount comparison means for comparing the amount of the confirmed traffic fare use with the amount of the traffic fare payment stored in the storage medium; When the cumulative amount of the traffic fare used by the customer exceeds the traffic fare payment amount stored in the storage medium, the amount of the traffic fare payment is automatically accumulated in the check card payment account and stored in the storage medium. Check card post-paid traffic fare settlement processing system comprising a; crediting means for updating the traffic fare payment amount information to the accumulated amount.

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