KR20090099840A - Electronic Voucher Service System and Method Using Smart Card - Google Patents

Abstract

The present invention completely prevents the possibility of a voucher being used illegally for a service or a product other than a scheduled service, and uses an electronic card using a smart card capable of integrating and managing a plurality of vouchers issued by a plurality of institutions into a single smart card. It is an object of the present invention to provide a voucher service system and method. To this end, the present invention is a smart card issued to the subject of the voucher service and authenticates the service user; An electronic voucher server for issuing an electronic voucher with an authenticated user smart card or user ID upon application of a user who wants to issue an electronic voucher; And a portable service terminal for receiving an electronic voucher from the user smart card or transmitting a signal requesting the transfer of the electronic voucher from the user ID to the electronic voucher server when the user is authenticated by recognizing the user smart card. Alternatively, an electronic voucher issued under a user ID is composed of a plurality of vouchers issued by a plurality of institutions, and the plurality of vouchers are classified into voucher types and beneficiaries and stored using an electronic voucher service system using an electronic voucher and the electronic voucher. Provide a voucher service method.

Description

System and method for electronic voucher service using smart card {System and method for electronic voucher service using smart card}

The present invention relates to an electronic voucher service system and method, and more particularly to an electronic voucher service system and method using a smart card.

Voucher systems are being implemented in public institutions to provide social welfare services for the low birth rate, aging, low disinfection, elderly people living alone, and children.

A voucher is a voucher issued by a public agency that guarantees payment to a particular beneficiary in order to directly subsidize the purchase of welfare services such as education, housing and medical care.

A public institution issues a voucher to the service beneficiary free or for a fee, and requests the service provider to provide the service when the user requests a predetermined specific service. The service provider receiving the service provision request provides a specific service to the user and collects a certain voucher according to the service provision amount.

However, the conventional social welfare service has a problem in that it is difficult to reflect user needs and is supported by a one-sided service because of a provider support method.

In addition, for the purpose of social welfare services, the voucher must be paid for a specific welfare service for which it is intended, but there has always been a possibility that the voucher is illegally used for services or products other than the specific welfare service.

In addition, since it is difficult to grasp information on the type of service, frequency of use, and supplier preference using vouchers, it is difficult for public institutions to grasp the current problems of the voucher system, and it is difficult to expect quality improvement of services provided by suppliers. .

In addition, since a plurality of vouchers provided by a plurality of institutions are issued and managed by each institution individually, there is a confusion in the beneficiary's position, and the management of the voucher providing agency and the service provider has been difficult.

An object of the present invention is to provide an electronic voucher service system and method using a smart card that can improve the service system by reflecting the opinion of the user receiving the service using the electronic voucher.

It is another object of the present invention to provide an electronic voucher service system and method using a smart card that can completely prevent the possibility that the electronic voucher is illegally used for services or goods other than the scheduled service.

Still another object of the present invention is to provide an electronic voucher service system and method using a smart card that can grasp various kinds of information about a service in which the electronic voucher is used in real time.

Another object of the present invention is to integrate and issue a plurality of vouchers issued by a plurality of institutions in a single smart card, there is no confusion from the beneficiary's point of view and easy to manage from the point of view of the voucher provider and service provider It is to provide a voucher service system and method.

In order to solve the problems of the prior art, the present invention provides an electronic voucher service system using a smart card, comprising: a user smart card issued to a subject of a voucher service and authenticating a service user; An electronic voucher server for issuing an electronic voucher with an authenticated user smart card or user ID upon application of a user who wants to issue an electronic voucher; And a portable service terminal for receiving an electronic voucher from the user smart card or transmitting a signal requesting the transfer of the electronic voucher from the user ID to the electronic voucher server when the user is authenticated by recognizing the user smart card. Alternatively, the electronic voucher issued under a user ID is composed of a plurality of vouchers issued by a plurality of institutions, and the plurality of vouchers provide an electronic voucher service system using a smart card that is stored separately by type of voucher and beneficiary. .

The user smart card or the electronic voucher server may store information on the remaining amount, expiration date, and issuer of the plurality of vouchers for each voucher.

The voucher service system may further include a service provider smart card issued to a provider of the electronic voucher service and authenticating the service provider.

The service provider smart card may transfer the electronic voucher stored in the user smart card through the portable service terminal.

The service terminal may recognize the user smart card and the service provider smart card simultaneously or sequentially to authenticate the user and the supplier or transfer the electronic voucher.

The electronic voucher server may include an electronic voucher transfer unit for receiving the transfer request signal of the electronic voucher from the service terminal to transfer the electronic voucher from the user ID according to the service providing time of the service provider.

The voucher service system may further include a voucher RFID tag issued to a subject of the voucher service and storing authentication information of the voucher service user.

The service terminal may simultaneously or sequentially recognize the user smart card and the voucher RFID tag to authenticate the user and the supplier or transfer the electronic voucher.

The portable service terminal may include a general-purpose mobile phone and an RFID tag reader that can be connected and removed therefrom.

The electronic voucher server may include a voucher target selector for selecting a voucher service target and a user smart card issuer for issuing a user smart card to the selected target.

The electronic voucher server may include a payment unit that performs payment for the remaining amount of the service voucher by deducting the electronic voucher transferred according to the service providing time.

The present invention also provides an electronic voucher service method using a smart card, comprising: issuing a user smart card for authenticating a service user to a subject of a voucher service; Issuing the electronic voucher with an authenticated user smart card or user ID upon application of a user who wishes to issue the electronic voucher; And transmitting a signal to the electronic voucher server for receiving the electronic voucher from the user smart card or requesting the transfer of the electronic voucher from the user ID when the user is authenticated by recognizing the user smart card using the portable service terminal. The electronic voucher issued by the user smart card or user ID is composed of a plurality of vouchers issued by a plurality of institutions and the plurality of vouchers are stored separately divided by type of voucher and beneficiary targets. To provide.

The user smart card or the electronic voucher server may store information on the remaining amount, expiration date, and issuer of the plurality of vouchers for each voucher.

The electronic voucher service method may further include issuing a service provider smart card for authenticating the service provider to the provider of the electronic voucher service.

The electronic voucher service method may further include the step of transferring the electronic voucher stored in the user smart card to the service provider smart card through the portable service terminal.

The electronic voucher service method may further include authenticating a user smart card and a service provider smart card simultaneously or sequentially using a service terminal to authenticate a user and a provider or transfer the electronic voucher.

The electronic voucher service method may further include receiving the transfer request signal of the electronic voucher from the service terminal and transferring the electronic voucher from the user ID according to the service providing time of the service provider.

The electronic voucher service method may further include issuing a voucher RFID tag storing the authentication information of the voucher service user to the subject of the voucher service.

The electronic voucher service method may further include authenticating a user smart card and a voucher RFID tag simultaneously or sequentially using a service terminal to authenticate a user and a supplier or transfer the electronic voucher.

The portable service terminal may include a general-purpose mobile phone and an RFID tag reader that can be connected and removed therefrom.

The electronic voucher service method may further include selecting a voucher service subject and issuing a user smart card to the selected subject.

The electronic voucher service method may further include the step of performing a payment for the remaining amount of the electronic voucher transferred according to the service providing time from the service providing amount.

As described in detail above, according to the electronic voucher service system and method using the smart guard it is possible to improve the service system by using the electronic voucher to reflect the opinion of the user receiving a service, for example, social services.

In addition, according to the present invention, it is possible to completely prevent the possibility that the electronic voucher is not paid in exchange for a predetermined service and that the electronic voucher is illegally used for other services or products and that the electronic voucher is illegally used by someone other than the beneficiary.

In addition, according to the present invention, it is possible to easily grasp information on the type of service, frequency of use, supplier preference, etc., in which the electronic voucher is used, so that public institutions can easily grasp the current problem of the voucher system, and the quality of the service provided by the supplier You can expect an improvement.

In addition, according to the present invention, by issuing and managing a plurality of vouchers issued by a plurality of institutions in one smart card, there is no confusion in the beneficiary's point of view, and it is easy to manage from a voucher providing agency and a service provider. Have

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment of the present invention.

1 is a block diagram showing the configuration of an electronic voucher service system using a smart card according to an embodiment of the present invention.

Referring to FIG. 1, an electronic voucher service system using a smart card according to an embodiment of the present invention includes an electronic voucher server 103, an electronic voucher database 105, a service terminal 107, a user smart card 109, Service provider smart card 111, electronic voucher issuing server 1 113 and electronic voucher issuing server 2 115;

The electronic voucher server 103 is connected to the network 101 and issues an electronic voucher with an authenticated user smart card 109 or user ID upon application of a user who wishes to issue the electronic voucher.

In addition, the electronic voucher server 103 may receive the service request information from the user who wants to receive the service and provide the service request information to the service provider, and may provide one or more of the user, supplier, service type, service satisfaction, service time, and electronic voucher transfer information. It can receive and classify the information, and can receive the user approval request from the person who wants the service to authenticate the user.

Electronic voucher server 103 is also connected to electronic voucher database 105.

The electronic voucher database 105 may store one or more of user, supplier, service type, service satisfaction, service time, and electronic voucher transfer information, and output the information at the request of the electronic voucher server 103.

The user may make an application for issuing a user smart card 109, an application for issuing an electronic voucher, a user approval request, and a service request to the electronic voucher server 103.

The application for issuing the user smart card 109, the application for issuing the electronic voucher, the user approval request and the service request may be performed through the user terminal. The user terminal may be, for example, a computer.

The service provider may request a service provider registration request, a service provider smart card 111 issuance request, a service provider approval request, and a service bill payment request to the electronic voucher server 103.

The service provider registration application, the service provider smart card 111 issuance application, the service provider approval request and the service bill payment request may be performed through the service provider terminal. The service provider terminal may for example be a computer.

The user smart card 109 and the service provider smart card 111 include an electronic voucher service function according to the present invention.

In general, a smart card is an integrated circuit chip attached to a surface of a plastic card. A smart card refers to a card having a CPU and a logic operation circuit that can store and process information.

The user smart card 109 may authenticate the service user including the user information, and the service provider smart card 111 may authenticate the provider including the service provider information.

The user smart card 109 and the service provider smart card 111 may include any one of a cash card, a check card and a credit card in addition to the electronic voucher service function, and may also include additional functions such as a transportation card and an identity card. It may also include functionality.

The service terminal 107 recognizes the user smart card 109 and, when the user is authenticated, receives the electronic voucher from the user smart card 109 or sends a signal requesting the transfer of the electronic voucher from the user ID. Can be sent to.

In another form, the service terminal 107 recognizes the user smart card 109 and the service provider smart card 111 at the same time or sequentially to request the transfer or destruction of the electronic voucher issued under the user ID when the user and the provider are authenticated. The signal may be transmitted to the electronic voucher server 103 or the electronic voucher may be transferred directly from the user smart card 109.

In addition, the service terminal 107 may be inserted into the user smart card 109 and the service provider smart card 111 to set the service start time and service end time, and receive the user's satisfaction with the service The electronic voucher server 103 may transmit at least one of information about a user, a supplier, a service type, a service satisfaction, a service time, and an electronic voucher transfer.

In the present invention, the electronic voucher issued by the user smart card 109 or the user ID is a plurality of vouchers issued by a plurality of institutions, such as electronic voucher issuing server 1 113 and electronic voucher issuing server 2 115. The plurality of vouchers are stored separately by type of voucher and beneficiaries.

In addition, the user smart card 109 or the electronic voucher server 103 stores the remaining amount of the plurality of vouchers, the expiration date and the information on the issuing authority are classified by voucher.

For the voucher service, elderly caregiver voucher service, disabled caregiver voucher service, maternity / baby care voucher service and community innovation (CSI) voucher service have been in operation. Is gradually expanding.

Generally, each of the above voucher services is provided by the state, but each voucher is issued by a different agency. Therefore, the voucher system was operated by each institution individually, which made management difficult.

For example, when the electronic voucher issuing server 1 113 issues an elderly caregiver voucher, and the electronic voucher issuing server 2 115 issues a childcare voucher, the user smart card 109 or the electronic voucher server 103 is configured to receive the plurality of vouchers. Vouchers are stored separately by type, subject, remaining amount, expiration date and issuer.

For example, when a voucher worth 120,000 won and 170,000 won is issued to the eldest son and the second son as childcare vouchers, the vouchers are stored and managed by being divided into the eldest and the eldest sons. Only the beneficiary and the second son can be prevented.

2 is a block diagram illustrating a configuration of a service terminal according to an embodiment of the present invention.

Referring to FIG. 2, the service terminal 107 may include a control unit 201, a smart card interface 203, a key input unit 205, a transmission interface 207, a display unit 209, and a memory 211. have.

The smart card interface 203 reads the information recorded in the user smart card 109 and the supplier smart card 111 and transfers the information to the controller 203. The smart card interface 203 may be contact or contactless.

The key input unit 205 receives a variety of information from a user or a service provider, for example, information on service satisfaction, and transmits the information to the controller 203.

The memory 211 may store all or part of a program for carrying out the present invention, and may store one or more of information about a user, a supplier, a service type, a service satisfaction, a service time, and an electronic voucher transfer.

The transmission interface 207 connects to the network 101 to transmit the information input through the key input unit 205 and the smart card interface 203 to the electronic voucher server 103.

The service terminal 107 may be a portable communication terminal or a portable information terminal capable of performing the method according to the present invention. The portable communication terminal may be, for example, a mobile phone having a built-in wireless communication function, and the like, and the portable information terminal may be a palmtop computer and a PDA having a wired / wireless communication function.

3 is a block diagram illustrating a configuration of an electronic voucher server according to an embodiment of the present invention.

Referring to FIG. 3, the electronic voucher server 103 includes an electronic voucher issuing unit 301, a service request processing unit 303, an information classifying unit 305, and a user authentication unit 307.

The electronic voucher issuing unit 301 issues the electronic voucher to the authenticated user smart card 109 upon application of a user who wants to issue the electronic voucher.

The service request processing unit 303 receives service request information from a user who wants to receive a service, and provides the service request information to a service provider.

The information classifier 305 receives one or more of user, supplier, service type, service satisfaction, service time, and electronic voucher transfer information and classifies the information.

The user authentication unit 307 receives a user approval request from a person who wants a service and authenticates whether the user is a user.

4 is a block diagram showing a configuration of an electronic voucher server according to another embodiment of the present invention.

Referring to FIG. 4, the electronic voucher server 103 includes an electronic voucher issuing unit 401, an electronic voucher distribution unit 403, an electronic voucher transfer unit 405, a service request processing unit 407, and an information classification unit 409. And a user authentication unit 411.

The electronic voucher issuing unit 401 and the electronic voucher distribution unit 403 issue an electronic voucher with an authenticated user ID upon application of a user who wants to issue the electronic voucher.

When a user receives an electronic voucher through a user terminal, a problem may arise in that a user needs to purchase new hardware, and a user who does not own a user terminal may perform the above process. On the other hand, according to the present invention, the actual issuance and distribution of the electronic voucher is generated in the electronic voucher server and has the advantage that the user can receive the electronic voucher without purchasing new hardware by authenticating the user using a smart card.

The electronic voucher transfer unit 405 destroys or transfers the electronic voucher from the user's ID according to the service provider's service providing time. Thereby, the illegal use of an electronic voucher can be prevented fundamentally.

The service request processing unit 407 receives service request information from a user who wants to receive a service, and provides the service request information to a service provider.

The information classifier 409 receives one or more of a user, a supplier, a service type, a service satisfaction, a service time, and an electronic voucher transfer information, and classifies the information.

The user authentication unit 411 receives a user approval request from a person who wants a service and authenticates whether the user is a user.

5 is a block diagram showing the configuration of an electronic voucher service system using a smart card according to another embodiment of the present invention.

The electronic voucher service system according to the embodiment of FIG. 5 is similar to the electronic voucher service system according to the embodiment of FIG. 1, except that the voucher RFID tag 509 is used instead of the service provider smart card 111. .

The voucher RFID tag 509 is issued to the subject of the voucher service and stores the authentication information of the voucher service user.

In this case, the service terminal 107 may recognize the user smart card 511 and the voucher RFID tag 509 simultaneously or sequentially to authenticate the user and the supplier or transfer the electronic voucher.

In general, radio frequency identification (RFID) is a technique that incorporates the use of electromagnetic or electrostatic coupling within the radio frequency of the electromagnetic spectrum portion to identify a thing. The advantage of RFID is that there is no need for direct contact or scanning over the visible band.

6 is a block diagram showing a configuration of a service terminal according to another embodiment of the present invention.

The service terminal according to the embodiment of FIG. 6 is similar to the service terminal according to the embodiment of FIG. 2, except that the service terminal further includes an RFID tag reader 603 to recognize the RFID tag 509.

7 is a block diagram showing the configuration of an electronic voucher server according to another embodiment of the present invention.

Referring to FIG. 7, the electronic voucher server 503 includes a voucher subject selecting unit 701, an RFID tag issuing unit 703, an electronic voucher issuing unit 705, a user authentication unit 707, and an electronic voucher transfer unit 709. ), An information classification unit 711, a service request processing unit 713, a user smart card issuing unit 715, and a payment unit 717.

The voucher target selection unit 701 selects a voucher target based on predetermined requirements among those who have applied for the voucher service.

The RFID tag issuing unit 703 and the user smart card issuing unit 715 issue the voucher RFID tag and the user smart card to the selected subject, respectively.

The electronic voucher issuing unit 705 issues an electronic voucher with an authenticated user ID upon application of a user who wants to issue the electronic voucher.

When a user receives an electronic voucher through a computer or the like, a problem may arise in that a user needs to purchase new hardware, and a user who does not own a computer may perform the above process. On the other hand, according to the present invention, the actual issuance and distribution of the electronic voucher occurs at the electronic voucher server and the user can be dispensed without purchasing new hardware by authenticating the user using the voucher RFID tag and / or the user smart card. Has an advantage.

The user authentication unit 707 receives a user approval request from a person who wants a service to authenticate whether the user is a user, or authenticates a voucher RFID tag and a user smart card.

The electronic voucher transfer unit 709 receives the transfer or extinction request signal of the electronic voucher from the service terminal to transfer or destroy the electronic voucher from the user ID according to the service provider time. Thereby, the illegal use of an electronic voucher can be prevented fundamentally.

The information classifier 711 receives one or more of a user, a supplier, a service type, a service satisfaction, a service time, and an electronic voucher transfer information, and classifies the information.

The service request processor 713 receives service request information from a user who wants to receive a service, and provides the service request information to a service provider.

The payment unit 717 performs payment for the remaining amount of the service deductible amount by deducting the transferred electronic voucher according to the service provision time. The payment may be performed by a function such as a credit card included in the user smart card.

Hereinafter, a process of issuing a user smart card or voucher RFID tag will be described. First, a user who wants to use a service by receiving a user smart card and / or voucher RFID tag requests an issue to the electronic voucher server. The electronic voucher server that receives the application authenticates whether the applicant is a service use target, that is, a user. If the user is authenticated, he will be notified and the contribution payment will be notified. The contribution payment may be made to an account opened in a bank. Once the contribution is paid, a user smart card and / or voucher RFID tag is issued.

The electronic voucher issuing process will be described below. First, the user sends a user approval request and an electronic voucher application to the electronic voucher server. The electronic voucher server receives a user approval request from the applicant to determine whether the applicant is an authenticated user. If the user is authenticated, it is determined whether the contribution is paid, and if the contribution is paid, an electronic voucher corresponding to or proportional to the contribution is issued with the corresponding user smart card or user ID.

8 is a flowchart illustrating a process of an electronic voucher service method using a smart card according to an embodiment of the present invention.

Referring to FIG. 8, a user first transmits a user approval request and a service request to an electronic voucher server (801). The electronic voucher server receives the user approval request from the applicant to determine whether the applicant is an authenticated user (803). If the user is authenticated, the electronic voucher server notifies the service provider of the service request information (805).

The provider then visits the user's residence and provides the service. First, the service terminal recognizes the user smart card to authenticate the user (807). The service start time and the end time are recorded using the service terminal to calculate the total service providing time or the provision amount (809). Thereafter, the electronic voucher is extinguished or transferred from the user ID according to the service providing time or the provision amount (811).

Next, a user's satisfaction with a service is received through a service terminal (813), and the service terminal transmits one or more of information about a user, supplier, service type, service satisfaction, service time, and electronic voucher transfer to the electronic voucher server. 815. Next, the electronic voucher server receives one or more of user, supplier, service type, service satisfaction, service time, and electronic voucher transfer information, classifies the information (817), and stores the information in the electronic voucher database. Then, if necessary, the information may be searched for each item to obtain necessary information.

Next, if only some subsidies are supported and the user has to pay the remaining amount, payment is made for the remaining amount using a function such as a credit card of the user smart card (819).

The electronic voucher service method using the smart card according to the present invention can be embodied as computer readable code on a computer readable recording medium. The computer-readable recording medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, and optical data storage, and may also be implemented in the form of a carrier wave (for example, transmission over the Internet). Include. The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

Although the present invention has been described with reference to the embodiments shown in the drawings, this is merely exemplary, and it will be understood by those skilled in the art that various modifications and equivalent embodiments are possible. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

1 is a block diagram showing the configuration of an electronic voucher service system using a smart card according to an embodiment of the present invention.

2 is a block diagram illustrating a configuration of a service terminal according to an embodiment of the present invention.

3 is a block diagram illustrating a configuration of an electronic voucher server according to an embodiment of the present invention.

4 is a block diagram showing a configuration of an electronic voucher server according to another embodiment of the present invention.

5 is a block diagram showing the configuration of an electronic voucher service system using a smart card according to another embodiment of the present invention.

6 is a block diagram showing a configuration of a service terminal according to another embodiment of the present invention.

7 is a block diagram showing the configuration of an electronic voucher server according to another embodiment of the present invention.

8 is a flowchart illustrating a process of an electronic voucher service method using a smart card according to an embodiment of the present invention.

Brief description of symbols for the main parts of the drawings

103,503: electronic voucher server 105,505: electronic voucher DB

107,507: service terminal 109,511: user smart card

111: service provider smart card 113,513: electronic voucher issuing server1

115,515: Electronic voucher issuing server2 509: RFID tag

Claims (22)

As an electronic voucher service system using a smart card, A user smart card issued to a subject of the voucher service and authenticating the service user; An electronic voucher server for issuing an electronic voucher with an authenticated user smart card or user ID upon application of a user who wants to issue an electronic voucher; And When the user is authenticated by recognizing the user smart card includes a portable service terminal for receiving the electronic voucher transfer from the user smart card or a signal requesting the transfer of the electronic voucher from the user ID to the electronic voucher server, The electronic voucher issued by the user smart card or the user ID is composed of a plurality of vouchers issued by a plurality of institutions and the plurality of vouchers are stored in the voucher type and the beneficiary target, the electronic voucher service system using a smart card . The method of claim 1, The user smart card or the electronic voucher server electronic voucher service system using a smart card, characterized in that for storing the remaining amount of the plurality of vouchers, the expiration date and information on the issuer for each voucher. The method according to claim 1 or 2, An electronic voucher service system using a smart card further comprising a service provider smart card issued to a provider of the electronic voucher service and authenticating the service provider. The method of claim 3, wherein The service provider smart card is an electronic voucher service system using a smart card, characterized in that for receiving the electronic voucher stored in the user smart card through the portable service terminal. The method of claim 3, wherein The service terminal recognizes a user smart card and a service provider smart card simultaneously or sequentially to authenticate the user and the supplier or transfer the electronic voucher. The method of claim 1, The electronic voucher server includes an electronic voucher transfer unit for receiving the transfer request signal of the electronic voucher from the service terminal and transferring the electronic voucher from the user ID according to the service providing time of the service provider. system. The method according to claim 1 or 2, Electronic voucher service system using a smart card, characterized in that it further comprises a voucher RFID tag issued to the subject of the voucher service and stores the authentication information of the voucher service user. The method of claim 7, wherein The service terminal is an electronic voucher service system using a smart card, characterized in that to recognize the user smart card and voucher RFID tag at the same time or sequentially to authenticate the user and supplier or transfer the electronic voucher. The method of claim 7, wherein The portable service terminal is an electronic voucher service system using a smart card, characterized in that it comprises a general-purpose mobile phone and an RFID tag reader that can be connected and removed therefrom. The method of claim 1, The electronic voucher server electronic voucher service system using a smart card, characterized in that it comprises a voucher target selection unit for selecting a voucher service target and a user smart card issuing unit for issuing a user smart card to the selected target. The method of claim 1, The electronic voucher server electronic voucher service system using a smart card, characterized in that it comprises a payment unit for performing a payment for the remaining amount by deducting the electronic voucher transferred according to the service providing time from the service providing amount. As an electronic voucher service method using a smart card, Issuing a user smart card for authenticating the service user to the subject of the voucher service; Issuing the electronic voucher with an authenticated user smart card or user ID upon application of a user who wishes to issue the electronic voucher; And When the user is authenticated by using the portable service terminal to recognize the user smart card, and the electronic voucher transfer from the user smart card or a request for the transfer of the electronic voucher from the user ID to the electronic voucher server, comprising the steps of: The electronic voucher issued by the user smart card or user ID is composed of a plurality of vouchers issued by a plurality of institutions and the plurality of vouchers are stored separately divided by type of voucher and beneficiary targets. . The method of claim 12, The user smart card or the electronic voucher server electronic voucher service method using a smart card, characterized in that for storing the remaining amount of information, expiration date and the issuer of the plurality of vouchers for each voucher. The method according to claim 12 or 13, Issuing a service provider smart card for authenticating the service provider to the provider of the electronic voucher service further comprises the electronic voucher service method using a smart card. The method of claim 14, The electronic voucher service method using a smart card further comprising the step of transferring the electronic voucher stored in the user smart card to the service provider smart card through the portable service terminal. The method of claim 14, And a step of authenticating the user smart card and the service provider smart card simultaneously or sequentially using a service terminal to authenticate the user and the provider or to transfer the electronic voucher. The method of claim 12, And receiving the transfer request signal of the electronic voucher from the service terminal to transfer the electronic voucher from the user ID according to the service providing time of the service provider. The method according to claim 12 or 13, Issuing a voucher RFID tag for storing the authentication information of the voucher service user to the subject of the voucher service, the electronic voucher service method using a smart card. The method of claim 18, Electronic service voucher service method using a smart card characterized in that it further comprises the step of recognizing the user smart card and voucher RFID tag at the same time or sequentially using a service terminal to authenticate the user and supplier or transfer the electronic voucher. The method of claim 18, The portable service terminal includes a general purpose mobile phone and an electronic voucher service method using a smart card, characterized in that it comprises a RFID tag reader that can be connected and removed in communication. The method of claim 12, Electronic voucher service method using a smart card, characterized in that it further comprises the step of selecting a voucher service target and issuing a user smart card to the selected target. The method of claim 12, The electronic voucher service method using a smart card, characterized in that it further comprises the step of performing a payment for the remaining amount by deducting the electronic voucher transferred according to the service providing time from the service providing amount.

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