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WO2010050652A1 - System and method for compensating lost money in electronic payments by deactivating a lost electronic payment tool - Google Patents

System and method for compensating lost money in electronic payments by deactivating a lost electronic payment tool Download PDF

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Publication number
WO2010050652A1
WO2010050652A1 PCT/KR2009/000493 KR2009000493W WO2010050652A1 WO 2010050652 A1 WO2010050652 A1 WO 2010050652A1 KR 2009000493 W KR2009000493 W KR 2009000493W WO 2010050652 A1 WO2010050652 A1 WO 2010050652A1
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WO
WIPO (PCT)
Prior art keywords
electronic payment
payment means
deactivation
lost
information
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Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/KR2009/000493
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French (fr)
Korean (ko)
Inventor
황진우
이선구
박진우
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T-MONET Co Ltd
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T-MONET Co Ltd
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Publication date
Application filed by T-MONET Co Ltd filed Critical T-MONET Co Ltd
Publication of WO2010050652A1 publication Critical patent/WO2010050652A1/en
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/354—Card activation or deactivation
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G06Q20/3263—Payment applications installed on the mobile devices characterised by activation or deactivation of payment capabilities
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means

Definitions

  • the present invention relates to an electronic payment amount loss / compensation system and a method thereof through deactivation of a lost electronic payment means, and more particularly, an electronic device embedded in a lost electronic payment means at the same time as a user receives an electronic payment means loss report.
  • the present invention relates to a technology for preventing payment by another person by deactivating a payment amount and compensating a user with a balance remaining in a lost electronic payment means.
  • the electronic payment means is filled with an amount corresponding to the amount of money paid by the user, and by subtracting and renewing the amount of money and the amount of money corresponding to the amount of payment at the time of purchase of goods, offline, including a bus, subway, convenience store, etc. It is used as a payment method in place of cash at merchants.
  • the stolen or lost electronic payment means cannot be restrained from being used by another person, so that all the responsibilities of the stolen or lost electronic payment means are imposed only on the user.
  • the present invention has been made to solve the above problems, an object of the present invention, the electronic payment means by other people by deactivating the electronic payment amount embedded in the lost electronic payment means at the same time the user receives the electronic payment means lost report Is blocking payment.
  • Another object of the present invention is to compensate the user with the remaining balance built in the electronic payment means.
  • the electronic payment amount loss / compensation system through the deactivation of the lost electronic payment means for achieving the technical problem, the lost report of the electronic payment means and the user terminal identification number input from the user through the information communication network
  • the customer center generating the report information and the lost report information are stored in the lost report DB, the VM activation request SMS is generated, the received electronic payment means information is stored in the lost compensation DB, and the received electronic payment means are deactivated.
  • the lost compensation server indexes the lost compensation DB and pays the amount corresponding to the balance included in the electronic payment means to the user, VM activation request SMS
  • the USIM Control VM provides the information on the electronic payment means embedded in the electronic payment means. Read and convert the activation code embedded in the electronic payment means into the deactivation code included in the electronic payment means deactivation information by receiving the deactivation information of the electronic payment means, and update the charging balance embedded in the electronic payment means to '0'. Thereafter, the user terminal generating the electronic payment means deactivation complete SMS, and the deactivation server for converting the activation code contained in the received electronic payment means information to the deactivation code to generate the electronic payment means deactivation information.
  • the mobile terminal further includes transmitting the electronic payment means deactivation information received from the lost compensation server to the user terminal, and transmitting the electronic payment means deactivation completed SMS received from the user terminal to the lost compensation server.
  • the VM is characterized in that the user terminal can be internally implemented to support the program received by being connected to the information communication network.
  • the electronic payment amount loss / compensation method through the deactivation of the lost electronic payment means based on the system described above, the loss report and the user terminal identification number of the electronic payment means that the customer center input from the user as the lost report information (B) generating, and (b) storing the lost report information received by the lost compensation server through the mobile carrier in the lost report DB, generating a VM activation request SMS, and transmitting the user terminal through the mobile carrier.
  • FIG. 1 is a block diagram showing an electronic payment amount loss / compensation system through the deactivation of the lost electronic payment means according to the present invention.
  • FIG. 2 is a view showing the relationship between the components of the electronic payment amount loss / compensation system through the deactivation of the lost electronic payment means according to the present invention.
  • Figure 3 is a flow chart illustrating a method of loss / compensation of the electronic payment amount through the deactivation of the lost electronic payment means according to the present invention.
  • FIG 1 is an overall configuration diagram of the electronic payment amount loss / compensation system (S) through the deactivation of the lost electronic payment means according to the present invention
  • Figure 2 is an electronic through the deactivation of the lost electronic payment means according to the present invention Figure showing the relationship between the components of the payment loss / compensation system, as shown, customer center 100, mobile carrier 200, lost compensation server 300, user terminal 400 and deactivation server 500 It is configured to include).
  • the description will be omitted, but the information transmission between the customer center 100, the mobile communication company 200, the lost compensation server 300, the user terminal 400 and the deactivation server 500 according to the present invention. It is assumed that the information communication network including a.
  • the customer center 100 receives a lost report and a user terminal identification number of an electronic payment means (USIM: Universal Subscriber Identity Module) from the user 10 through an information communication network, and includes a lost report and a user terminal identification number.
  • the loss report information is generated and transmitted to the mobile communication company 200.
  • the mobile communication company 200 transmits the lost report information received from the customer center 100 to the lost compensation server 300, and sends a VM activation request SMS (Shot Message Service) received from the lost compensation server 300 to the user terminal ( 400 to transmit the electronic payment means information received from the user terminal 400 to the lost compensation server 300, the electronic payment means deactivation information received from the lost compensation server 300 to the user terminal 400
  • SMS Hot Message Service
  • the loss compensation server 300 stores the lost report information received from the mobile communication company 200 in the lost report DB 310 and activates a VM (Virtual Machine) embedded in the user terminal 400 according to the lost report information.
  • the VM may be understood as supporting the user terminal 400 to be internally implemented for the program received by being connected to the information communication network.
  • the electronic payment means information received from the mobile communication company 200 is stored in the lost compensation DB (320) and transmitted to the deactivation server 500, the unique number of the electronic payment means received from the deactivation server 500, charging
  • the electronic payment means deactivation information including the balance and the deactivation code is transmitted to the mobile communication company 200, and after receiving the electronic payment means deactivation complete SMS from the mobile communication company 200, the charge balance stored in the lost compensation DB (320) Update to '0', index the loss compensation DB 320 and pays the user 10 the amount corresponding to the balance remaining in the electronic payment means information.
  • the user terminal 400 activates the built-in loss compensation VM according to the received VM activation request SMS and also the unique number of the electronic payment means 410 embedded in the electronic payment means through the Universal Subscriber Identity Module (USIM) control VM. (Hereinafter, 'unique number'), read the electronic payment means information including the balance and the activation code, and transmits the electronic payment means information read through the lost compensation VM to the mobile communication company (200).
  • USIM Universal Subscriber Identity Module
  • the electronic payment means deactivation complete SMS is generated and transmitted to the mobile communication company (200).
  • the deactivation server 500 transmits the electronic payment means deactivation information generated by converting the activation code included in the electronic payment means information received from the loss compensation server 300 into the deactivation code to the mobile communication company 200.
  • the customer center 100 generates the lost report information and the user terminal identification number of the electronic payment means received from the user 10 as lost report information and transmits it to the mobile communication company 200 (S10).
  • the loss compensation server 300 stores the lost report information received through the mobile communication company 200 in the lost report DB 310, generates a VM activation request SMS, and transmits the lost notification information to the mobile communication company 200 (S20). .
  • the user terminal 400 activates the built-in loss compensation VM according to the VM activation request SMS received through the mobile carrier 200, and also uses the unique number and activation code embedded in the electronic payment means through the USIM control VM. Read the electronic payment means information including, and transmits the read electronic payment means information to the mobile communication company (200) (S30).
  • the loss compensation server 300 stores the electronic payment means information received through the mobile communication company 200 in the loss compensation DB 320 and transmits the information to the deactivation server 500 (S40).
  • the deactivation server 500 transmits the electronic payment means deactivation information generated by converting the activation code included in the electronic payment means information received from the loss compensation server 300 to the deactivation code to the loss compensation server 300,
  • the loss compensation server 300 transmits the electronic payment means deactivation information received to the mobile communication company (200) (S50).
  • the user terminal 400 deactivates the electronic payment means deactivation information, which is embedded in the electronic payment means 410 by the USIM control VM via the loss compensation VM, through the electronic payment means deactivation information transmitted through the mobile communication company 200.
  • the user terminal 400 After converting the deactivation code included in the information and updating the charge balance built in the electronic payment means 410 to '0 won', and transmits the generated electronic payment means deactivation complete SMS to the mobile communication company (200) (S60) .
  • the lost compensation server 300 receives the electronic payment means deactivation complete SMS through the mobile carrier 200, update the balance remaining in the lost compensation DB (320) to '0' won (S70)
  • the reward DB 320 is indexed and paid to the user 10 in an amount corresponding to the charged balance included in the electronic payment means information (S80).

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention relates to a system and a method for compensating lost money in electronic payments by deactivating a lost electronic payment tool. The system comprises a call center, a loss compensation server, a user terminal, and a deactivation server. The call center generates loss report information by receiving from a user both a loss report of the electronic payment tool and the ID number of a user terminal through a communications network. The loss compensation server: stores the loss report information in a loss report DB; creates an SMS for requesting VM activation; stores the received information on the electronic payment tool in a loss compensation DB; resets the balance of charged money to ‘0’ Korean won based on an SMS for completing the deactivation of the electronic payment tool, wherein the balance is stored at the loss compensation server; and pays a user the amount of money corresponding to the balance stored in the electronic payment tool by indexing the loss compensation DB. The user terminal: activates a built-in loss compensation VM by receiving the SMS for requesting VM activation; reads out the electronic payment tool information stored in the electronic payment tool through a USIM control VM; receives the deactivation information for the electronic payment tool and converts an activation code stored in the electronic payment tool into a deactivation code included in the deactivation information for the electronic payment tool; resets the balance of charged money stored in the electronic payment tool to ‘0’ Korean won; and then creates the SMS for completing the deactivation for the electronic payment tool. The deactivation server generates the deactivation information for the electronic payment tool by converting the activation code into the deactivation code, wherein the activation code is included in the received information on the electronic payment tool.

Description

분실된 전자지불수단의 비활성화를 통한 전자지불금액 분실/보상시스템 및 그 방법Electronic payment amount loss / compensation system by deactivating lost electronic payment means and method

본 발명은 분실된 전자지불수단의 비활성화를 통한 전자지불금액 분실/보상시스템 및 그 방법에 관한 것으로서, 더욱 상세하게는 사용자의 전자지불수단 분실신고 접수와 동시에, 분실된 전자지불수단에 내장된 전자지불금액을 비활성화시켜 타인에 의한 결제를 미연에 방지하고, 분실된 전자지불수단에 내장된 충전잔액을 사용자에게 보상하는 기술에 관한 것이다.The present invention relates to an electronic payment amount loss / compensation system and a method thereof through deactivation of a lost electronic payment means, and more particularly, an electronic device embedded in a lost electronic payment means at the same time as a user receives an electronic payment means loss report. The present invention relates to a technology for preventing payment by another person by deactivating a payment amount and compensating a user with a balance remaining in a lost electronic payment means.

일반적으로 전자지불수단은, 사용자가 지급한 충전금액에 대응하는 금액이 충전되어, 물품구입에 따른 결제시에 결제금액과 대응하는 충전금액을 차감ㆍ갱신함으로써, 버스, 지하철, 편의점 등을 포함하는 오프라인 가맹점에서 현금을 대신하는 결제수단으로 사용된다.In general, the electronic payment means is filled with an amount corresponding to the amount of money paid by the user, and by subtracting and renewing the amount of money and the amount of money corresponding to the amount of payment at the time of purchase of goods, offline, including a bus, subway, convenience store, etc. It is used as a payment method in place of cash at merchants.

그러나, 사용자의 부주의로 인해 전자지불수단을 도난ㆍ분실되었을 경우, 전자지불수단에 내장된 전자지불금액이 타인에 의해 사용되어 사용자가 충전한 충전금액이 의도치 않게 사용되는 문제점이 있다.However, when the electronic payment means is stolen or lost due to user's carelessness, there is a problem that the electronic payment amount embedded in the electronic payment means is used by another person and the charge amount charged by the user is used unintentionally.

또한, 도난ㆍ분실된 전자지불수단이 타인에 의해 사용되는 것을 제지할 수 없어 전자지불수단의 도난ㆍ분실에 따른 모든 책임이 사용자에게만 부과되는 단점이 있다.In addition, the stolen or lost electronic payment means cannot be restrained from being used by another person, so that all the responsibilities of the stolen or lost electronic payment means are imposed only on the user.

본 발명은 상기와 같은 문제점을 해소하고자 안출된 것으로서, 본 발명의 목적은, 사용자의 전자지불수단 분실신고 접수와 동시에 분실된 전자지불수단에 내장된 전자지불금액을 비활성화 시켜 타인에 의한 전자지불수단의 결제를 차단시킴에 있다.The present invention has been made to solve the above problems, an object of the present invention, the electronic payment means by other people by deactivating the electronic payment amount embedded in the lost electronic payment means at the same time the user receives the electronic payment means lost report Is blocking payment.

그리고, 본 발명의 또 다른 목적은, 분실된 전자지불수단에 내장된 충전잔액을 사용자에게 보상함에 있다.Further, another object of the present invention is to compensate the user with the remaining balance built in the electronic payment means.

이러한 기술적 과제를 달성하기 위한 본 발명에 따른 분실된 전자지불수단의 비활성화를 통한 전자지불금액 분실/보상시스템은, 정보통신망을 통해 사용자로부터 전자지불수단의 분실신고 및 사용자단말기 식별번호를 입력받아 분실신고정보를 생성하는 고객센터와, 분실신고정보를 분실신고DB에 저장함과 아울러 VM활성화 요청SMS를 생성하고, 전송받은 전자지불수단 정보를 분실보상DB에 저장하며, 전송받은 전자지불수단 비활성화 완료SMS에 따라 분실보상DB에 저장된 충전잔액을 '0'원으로 갱신하고, 분실보상DB를 색인하여 전자지불수단에 포함된 충전잔액과 부합하는 금액을 사용자에게 지급하는 분실보상서버와, VM활성화 요청SMS를 전송받아 내장된 분실보상VM을 활성화시킴과 아울러 USIM제어VM을 통해 전자지불수단에 내장된 전자지불수단 정보를 독출하고, 전자지불수단 비활성화 정보를 전송받아 전자지불수단에 내장된 활성화코드를 전자지불수단 비활성화 정보에 포함된 비활성화코드로 변환하며, 전자지불수단에 내장된 충전잔액을 '0'원으로 갱신한 후, 전자지불수단 비활성화 완료SMS를 생성하는 사용자단말기, 및 전송받은 전자지불수단 정보에 포함된 활성화코드를 비활성화코드로 변환하여 전자지불수단 비활성화 정보를 생성하는 비활성화서버를 포함한다.The electronic payment amount loss / compensation system through the deactivation of the lost electronic payment means according to the present invention for achieving the technical problem, the lost report of the electronic payment means and the user terminal identification number input from the user through the information communication network The customer center generating the report information and the lost report information are stored in the lost report DB, the VM activation request SMS is generated, the received electronic payment means information is stored in the lost compensation DB, and the received electronic payment means are deactivated. According to the lost compensation database stored in the lost compensation DB updated to '0', the lost compensation server indexes the lost compensation DB and pays the amount corresponding to the balance included in the electronic payment means to the user, VM activation request SMS In addition to activating the built-in Lost Compensation VM, the USIM Control VM provides the information on the electronic payment means embedded in the electronic payment means. Read and convert the activation code embedded in the electronic payment means into the deactivation code included in the electronic payment means deactivation information by receiving the deactivation information of the electronic payment means, and update the charging balance embedded in the electronic payment means to '0'. Thereafter, the user terminal generating the electronic payment means deactivation complete SMS, and the deactivation server for converting the activation code contained in the received electronic payment means information to the deactivation code to generate the electronic payment means deactivation information.

또한, 고객센터로부터 전송받은 분실신고정보를 분실보상서버로 전송하고, 분실보상서버로부터 전송받은 VM활성화 요청SMS를 사용자단말기로 전송하며, 사용자단말기로부터 전송받은 전자지불수단 정보를 분실보상서버로 전송하고, 분실보상서버로부터 전송받은 전자지불수단 비활성화 정보를 사용자단말기로 전송하며, 사용자단말기로부터 전송받은 전자지불수단 비활성화 완료SMS를 분실보상서버로 전송하는 이동통신사를 더 포함한다.In addition, the loss report information received from the customer center to the lost compensation server, VM activation request SMS received from the lost compensation server to the user terminal, and electronic payment means information received from the user terminal to the lost compensation server The mobile terminal further includes transmitting the electronic payment means deactivation information received from the lost compensation server to the user terminal, and transmitting the electronic payment means deactivation completed SMS received from the user terminal to the lost compensation server.

또한, 전자지불수단 정보는, 고유번호, 충전잔액 및 활성화코드를 포함하고, 전자지불수단 비활성화 정보는, 고유번호, 충전잔액 및 비활성화코드를 포함하는 것을 특징으로 한다.In addition, the electronic payment means information, the unique number, the balance and the activation code, the electronic payment means deactivation information, characterized in that it comprises a unique number, the balance and the deactivation code.

그리고, VM은, 사용자단말기가 정보통신망과 접속되어 전송받은 프로그램을 내부적으로 구현이 가능하게 지원하는 것을 특징으로 한다.In addition, the VM is characterized in that the user terminal can be internally implemented to support the program received by being connected to the information communication network.

한편, 상술한 시스템을 기반으로 하는 분실된 전자지불수단의 비활성화를 통한 전자지불금액 분실/보상방법은, 고객센터가 사용자로부터 입력받은 전자지불수단의 분실신고 및 사용자단말기 식별번호를 분실신고정보로 생성하는 (a) 단계와, 분실보상서버가 이동통신사를 통해 전송받은 분실신고정보를 분실신고DB에 저장하고, VM활성화 요청SMS를 생성하는 (b) 단계와, 사용자단말기가 이동통신사를 통해 전송받은 VM활성화 요청SMS에 따라 내장된 분실보상VM을 활성화시킴과 아울러 USIM제어VM을 통해 전자지불수단에 내장된 고유번호 및 활성화코드를 포함하는 전자지불수단 정보를 독출하는 (c) 단계와, 분실보상서버가 이동통신사를 통해 전송받은 전자지불수단 정보를 분실보상DB에 저장하는 (d) 단계와, 비활성화서버가 분실보상서버로부터 전송받은 전자지불수단 정보에 포함된 활성화코드를 비활성화코드로 변환하여 전자지불수단 비활성화 정보를 생성하는 (e) 단계와, 사용자단말기가 이동통신사를 통해 전자지불수단 비활성화 정보를 전송받고, USIM제어VM을 통해 전자지불수단에 포한된 활성화코드를 전자지불수단 비활성화 정보에 포함된 비활성화코드로 변환하여 전자지불수단에 내장된 충전잔액을 '0'원으로 갱신한 후, 전자지불수단 비활성화 완료SMS를 생성하는 (f) 단계, 및 분실보상서버가 이동통신사를 통해 전자지불수단 비활성화 완료SMS를 전송받은 후, 분실보상DB에 저장된 충전잔액을 '0'원으로 갱신하고, 분실보상DB를 색인하여 전자지불수단 정보에 포함된 충전잔액과 부합하는 금액을 사용자에게 지급하는 (g) 단계를 포함한다.On the other hand, the electronic payment amount loss / compensation method through the deactivation of the lost electronic payment means based on the system described above, the loss report and the user terminal identification number of the electronic payment means that the customer center input from the user as the lost report information (B) generating, and (b) storing the lost report information received by the lost compensation server through the mobile carrier in the lost report DB, generating a VM activation request SMS, and transmitting the user terminal through the mobile carrier. (C) activating a built-in loss compensation VM according to the received VM activation request SMS and reading electronic payment means information including a unique number and an activation code embedded in the electronic payment means through a USIM control VM; (D) storing the electronic payment means information received by the lost compensation server through the mobile carrier in the lost compensation DB, and the deactivation server received from the lost compensation server (E) generating the electronic payment means deactivation information by converting the activation code included in the self-payment means information into the deactivation code, and receiving the electronic payment means deactivation information from the mobile terminal through the USIM control VM. After converting the activation code included in the electronic payment means to the deactivation code included in the electronic payment means deactivation information to update the charge balance built into the electronic payment means to '0', generating the electronic payment means deactivation complete SMS ( f) step, and after the lost compensation server receives the electronic payment means deactivation complete SMS through the mobile carrier, update the charge balance stored in the lost compensation DB to '0', index the lost compensation DB to electronic payment means information (G) paying the user an amount corresponding to the balance included in the payment.

상기와 같은 본 발명에 따르면, 사용자의 전자지불수단 분실신고 접수와 동시에 분실된 전자지불수단에 내장된 전자지불금액을 비활성화 시킴으로써, 타인에 의한 전자지불수단의 결제를 차단시키는 효과가 있다.According to the present invention as described above, by deactivating the electronic payment means embedded in the lost electronic payment means at the same time the user receives the electronic payment means lost report, there is an effect of blocking the payment of the electronic payment means by others.

그리고, 분실된 전자지불수단에 내장된 충전잔액과 대응하는 금액을 사용자에게 보상함으로써, 전자지불수단의 분실에 따른 사용자의 피해를 최소화 하는 효과가 있다.And, by compensating the user with the amount of charge and the corresponding balance built in the electronic payment means, there is an effect of minimizing the damage of the user due to the loss of the electronic payment means.

도 1 은 본 발명에 따른 분실된 전자지불수단의 비활성화를 통한 전자지불금액 분실/보상시스템을 나타낸 구성도.1 is a block diagram showing an electronic payment amount loss / compensation system through the deactivation of the lost electronic payment means according to the present invention.

도 2 는 본 발명에 따른 분실된 전자지불수단의 비활성화를 통한 전자지불금액 분실/보상시스템의 구성요소들간에 관계를 나타낸 도면.2 is a view showing the relationship between the components of the electronic payment amount loss / compensation system through the deactivation of the lost electronic payment means according to the present invention.

도 3 은 본 발명에 따른 분실된 전자지불수단의 비활성화를 통한 전자지불금액 분실/보상방법을 나타낸 순서도.Figure 3 is a flow chart illustrating a method of loss / compensation of the electronic payment amount through the deactivation of the lost electronic payment means according to the present invention.

** 도면의 주요 부분에 대한 부호의 설명 **** Description of symbols for the main parts of the drawing **

S: 분실된 전자지불수단의 비활성화를 통한 전자지불금액 분실/보상시스템S: Electronic payment amount loss / compensation system through deactivation of lost electronic payment means

100: 고객센터 200: 이동통신사100: customer center 200: mobile carrier

300: 분실보상서버 310: 분실신고DB300: Lost Compensation Server 310: Lost Report DB

320: 분실보상DB 400: 이동통신사320: lost compensation DB 400: mobile carrier

410: 전자지불수단 500: 비활성화서버410: electronic payment means 500: deactivation server

10: 사용자10: User

본 발명의 구체적인 특징 및 이점들은 첨부도면에 의거한 다음의 상세한 설명으로 더욱 명백해질 것이다. 이에 앞서, 본 명세서 및 청구범위에 사용된 용어나 단어는 발명자가 그 자신의 발명을 가장 최선의 방법으로 설명하기 위해 용어의 개념을 적절하게 정의할 수 있다는 원칙에 입각하여 본 발명의 기술적 사상에 부합하는 의미와 개념으로 해석되어야 할 것이다. 또한, 본 발명에 관련된 공지 기능 및 그 구성에 대한 구체적인 설명이 본 발명의 요지를 불필요하게 흐릴 수 있다고 판단되는 경우에는, 그 구체적인 설명을 생략하였음에 유의해야 할 것이다.Specific features and advantages of the present invention will become more apparent from the following detailed description based on the accompanying drawings. Prior to this, the terms or words used in the present specification and claims are defined in the technical spirit of the present invention on the basis of the principle that the inventor can appropriately define the concept of the term in order to explain his invention in the best way. It should be interpreted to mean meanings and concepts. In addition, when it is determined that the detailed description of the known function and its configuration related to the present invention may unnecessarily obscure the subject matter of the present invention, it should be noted that the detailed description is omitted.

본 발명에 따른 분실된 전자지불수단의 비활성화를 통한 전자지불금액 분실/보상시스템 및 그 방법을 도 1 내지 도 3 을 참조하여 살피면 다음과 같다.The electronic payment amount loss / compensation system and its method through deactivation of the lost electronic payment means according to the present invention will be described with reference to FIGS. 1 to 3.

도 1 은 본 발명에 따른 분실된 전자지불수단의 비활성화를 통한 전자지불금액 분실/보상시스템(S)에 대한 전체 구성도이고, 도 2 는 본 발명에 따른 분실된 전자지불수단의 비활성화를 통한 전자지불금액 분실/보상시스템의 구성요소들간에 관계를 나타낸 도면으로서, 도시된 바와 같이 고객센터(100), 이동통신사(200), 분실보상서버(300), 사용자단말기(400) 및 비활성화서버(500)를 포함하여 구성된다.1 is an overall configuration diagram of the electronic payment amount loss / compensation system (S) through the deactivation of the lost electronic payment means according to the present invention, Figure 2 is an electronic through the deactivation of the lost electronic payment means according to the present invention Figure showing the relationship between the components of the payment loss / compensation system, as shown, customer center 100, mobile carrier 200, lost compensation server 300, user terminal 400 and deactivation server 500 It is configured to include).

이하에서는 그 언급을 생략하겠으나, 본 발명에 따른 고객센터(100), 이동통신사(200), 분실보상서버(300), 사용자단말기(400) 및 비활성화서버(500)간의 정보전송은 유/무선망을 포함하는 정보통신망을 통해 이루어지는 것으로 상정한다.Hereinafter, the description will be omitted, but the information transmission between the customer center 100, the mobile communication company 200, the lost compensation server 300, the user terminal 400 and the deactivation server 500 according to the present invention. It is assumed that the information communication network including a.

구체적으로 고객센터(100)는 정보통신망을 통해 사용자(10)로부터 전자지불수단(USIM: Universal Subscriber Identity Module)의 분실신고 및 사용자단말기 식별번호를 입력받고, 분실신고 및 사용자단말기 식별번호를 포함하는 분실신고정보를 생성하여 이동통신사(200)로 전송한다.Specifically, the customer center 100 receives a lost report and a user terminal identification number of an electronic payment means (USIM: Universal Subscriber Identity Module) from the user 10 through an information communication network, and includes a lost report and a user terminal identification number. The loss report information is generated and transmitted to the mobile communication company 200.

이동통신사(200)는 고객센터(100)로부터 전송받은 분실신고정보를 분실보상서버(300)로 전송하고, 분실보상서버(300)로부터 전송받은 VM활성화 요청SMS(Shot Message Service)를 사용자단말기(400)로 전송하며, 사용자단말기(400)로부터 전송받은 전자지불수단 정보를 분실보상서버(300)로 전송하고, 분실보상서버(300)로부터 전송받은 전자지불수단 비활성화 정보를 사용자단말기(400)로 전송하며, 사용자단말기(400)로부터 전송받은 전자지불수단 비활성화 완료SMS를 분실보상서버(300)로 전송한다.The mobile communication company 200 transmits the lost report information received from the customer center 100 to the lost compensation server 300, and sends a VM activation request SMS (Shot Message Service) received from the lost compensation server 300 to the user terminal ( 400 to transmit the electronic payment means information received from the user terminal 400 to the lost compensation server 300, the electronic payment means deactivation information received from the lost compensation server 300 to the user terminal 400 The electronic payment means deactivation complete SMS received from the user terminal 400 is transmitted to the loss compensation server 300.

분실보상서버(300)는 이동통신사(200)로부터 전송받은 분실신고정보를 분실신고DB(310)에 저장함과 아울러 분실신고정보에 따라 사용자단말기(400)에 내장된 VM(Virtual Machine)을 활성화시키기 위한 VM활성화 요청SMS를 생성하여 이동통신사(200)로 전송하여 한다. 이때, VM이란 사용자단말기(400)가 정보통신망과 접속되어 전송받은 프로그램을 내부적으로 구현이 가능하게 지원하는 것으로 이해할 수 있다.The loss compensation server 300 stores the lost report information received from the mobile communication company 200 in the lost report DB 310 and activates a VM (Virtual Machine) embedded in the user terminal 400 according to the lost report information. A VM activation request for generating a SMS to be transmitted to the mobile carrier (200). In this case, the VM may be understood as supporting the user terminal 400 to be internally implemented for the program received by being connected to the information communication network.

또한, 이동통신사(200)로부터 전송받은 전자지불수단 정보를 분실보상DB(320)에 저장함과 아울러 비활성화서버(500)로 전송하고, 비활성화서버(500)로부터 전송받은 전자지불수단의 고유번호, 충전잔액 및 비활성화코드를 포함하는 전자지불수단 비활성화 정보를 이동통신사(200)로 전송하며, 이동통신사(200)로부터 전자지불수단 비활성화 완료SMS를 전송받은 후, 분실보상DB(320)에 저장된 충전잔액을 '0'원으로 갱신하고, 분실보상DB(320)를 색인하여 전자지불수단 정보에 포함된 충전잔액과 부합하는 금액을 사용자(10)에게 지급한다.In addition, the electronic payment means information received from the mobile communication company 200 is stored in the lost compensation DB (320) and transmitted to the deactivation server 500, the unique number of the electronic payment means received from the deactivation server 500, charging The electronic payment means deactivation information including the balance and the deactivation code is transmitted to the mobile communication company 200, and after receiving the electronic payment means deactivation complete SMS from the mobile communication company 200, the charge balance stored in the lost compensation DB (320) Update to '0', index the loss compensation DB 320 and pays the user 10 the amount corresponding to the balance remaining in the electronic payment means information.

사용자단말기(400)는 전송받은 VM활성화 요청SMS에 따라 내장된 분실보상VM을 활성화시킴과 아울러 USIM(Universal Subscriber Identity Module)제어 VM을 통해 전자지불수단에 내장된 전자지불수단(410)의 고유번호(이하, '고유번호'), 충전잔액 및 활성화코드를 포함하는 전자지불수단 정보를 독출하고, 분실보상VM을 통해 독출된 전자지불수단 정보를 이동통신사(200)로 전송한다.The user terminal 400 activates the built-in loss compensation VM according to the received VM activation request SMS and also the unique number of the electronic payment means 410 embedded in the electronic payment means through the Universal Subscriber Identity Module (USIM) control VM. (Hereinafter, 'unique number'), read the electronic payment means information including the balance and the activation code, and transmits the electronic payment means information read through the lost compensation VM to the mobile communication company (200).

또한, 이동통신사(200)로부터 전자지불수단 비활성화 정보를 전송받아 분실보상VM을 통한 USIM제어VM에 의해 전자지불수단에 내장된 활성화코드를 전자지불수단 비활성화 정보에 포함된 비활성화코드로 변환하고, 전자지불수단(410)에 내장된 충전잔액을 '0원'으로 갱신한 후, 전자지불수단 비활성화 완료SMS를 생성하여 이동통신사(200)로 전송한다.In addition, by receiving the electronic payment means deactivation information from the mobile communication company 200 converts the activation code embedded in the electronic payment means by the USIM control VM through the lost compensation VM to the deactivation code included in the electronic payment means deactivation information, After updating the charge balance built in the payment means 410 to '0 won', the electronic payment means deactivation complete SMS is generated and transmitted to the mobile communication company (200).

비활성화서버(500)는 분실보상서버(300)로부터 전송받은 전자지불수단 정보에 포함된 활성화코드를 비활성화코드로 변환하여 생성한 전자지불수단 비활성화 정보를 이동통신사(200)로 전송한다.The deactivation server 500 transmits the electronic payment means deactivation information generated by converting the activation code included in the electronic payment means information received from the loss compensation server 300 into the deactivation code to the mobile communication company 200.

이하, 상술한 시스템을 기반으로 하는 본 발명에 따른 분실된 전자지불수단의 비활성화를 통한 전자지불금액 분실/보상방법에 관하여 도 3 을 참조하여 설명하면 다음과 같다.Hereinafter, the electronic payment amount loss / compensation method through the deactivation of the lost electronic payment means according to the present invention based on the above-described system will be described with reference to FIG. 3.

먼저, 고객센터(100)가 사용자(10)로부터 입력받은 전자지불수단의 분실신고 및 사용자단말기 식별번호를 분실신고정보로 생성하여 이동통신사(200)로 전송한다(S10).First, the customer center 100 generates the lost report information and the user terminal identification number of the electronic payment means received from the user 10 as lost report information and transmits it to the mobile communication company 200 (S10).

이어서, 분실보상서버(300)가 이동통신사(200)를 통해 전송받은 분실신고정보를 분실신고DB(310)에 저장하고, VM활성화 요청SMS를 생성하여 이동통신사(200)로 전송한다(S20).Subsequently, the loss compensation server 300 stores the lost report information received through the mobile communication company 200 in the lost report DB 310, generates a VM activation request SMS, and transmits the lost notification information to the mobile communication company 200 (S20). .

뒤미처, 사용자단말기(400)가 이동통신사(200)를 통해 전송받은 VM활성화 요청SMS에 따라 내장된 분실보상VM을 활성화시킴과 아울러 USIM제어VM을 통해 전자지불수단에 내장된 고유번호 및 활성화코드를 포함하는 전자지불수단 정보를 독출하고, 독출된 전자지불수단 정보를 이동통신사(200)로 전송한다(S30).Behind the scene, the user terminal 400 activates the built-in loss compensation VM according to the VM activation request SMS received through the mobile carrier 200, and also uses the unique number and activation code embedded in the electronic payment means through the USIM control VM. Read the electronic payment means information including, and transmits the read electronic payment means information to the mobile communication company (200) (S30).

이어서, 분실보상서버(300)가 이동통신사(200)를 통해 전송받은 전자지불수단 정보를 분실보상DB(320)에 저장함과 아울러 비활성화서버(500)로 전송한다(S40).Subsequently, the loss compensation server 300 stores the electronic payment means information received through the mobile communication company 200 in the loss compensation DB 320 and transmits the information to the deactivation server 500 (S40).

뒤이어, 비활성화서버(500)가 분실보상서버(300)로부터 전송받은 전자지불수단 정보에 포함된 활성화코드를 비활성화코드로 변환하여 생성한 전자지불수단 비활성화 정보를 분실보상서버(300)로 전송하고, 분실보상서버(300)가 전송받은 전자지불수단 비활성화 정보를 이동통신사(200)로 전송한다(S50).Subsequently, the deactivation server 500 transmits the electronic payment means deactivation information generated by converting the activation code included in the electronic payment means information received from the loss compensation server 300 to the deactivation code to the loss compensation server 300, The loss compensation server 300 transmits the electronic payment means deactivation information received to the mobile communication company (200) (S50).

이어서, 사용자단말기(400)가 이동통신사(200)를 통해 전송받은 전자지불수단 비활성화 정보를 분실보상VM을 통한 USIM제어VM에 의해 전자지불수단(410)에 내장된 활성화코드를, 전자지불수단 비활성화 정보에 포함된 비활성화코드로 변환하고 전자지불수단(410)에 내장된 충전잔액을 '0원'으로 갱신한 후, 생성한 전자지불수단 비활성화 완료SMS를 이동통신사(200)로 전송한다(S60).Subsequently, the user terminal 400 deactivates the electronic payment means deactivation information, which is embedded in the electronic payment means 410 by the USIM control VM via the loss compensation VM, through the electronic payment means deactivation information transmitted through the mobile communication company 200. After converting the deactivation code included in the information and updating the charge balance built in the electronic payment means 410 to '0 won', and transmits the generated electronic payment means deactivation complete SMS to the mobile communication company (200) (S60) .

그리고, 분실보상서버(300)가 이동통신사(200)를 통해 전자지불수단 비활성화 완료SMS를 전송받은 후, 분실보상DB(320)에 저장된 충전잔액을 '0'원으로 갱신하고(S70), 분실보상DB(320)를 색인하여 전자지불수단 정보에 포함된 충전잔액과 부합하는 금액을 사용자(10)에게 지급한다(S80).Then, after the lost compensation server 300 receives the electronic payment means deactivation complete SMS through the mobile carrier 200, update the balance remaining in the lost compensation DB (320) to '0' won (S70) The reward DB 320 is indexed and paid to the user 10 in an amount corresponding to the charged balance included in the electronic payment means information (S80).

이상으로 본 발명의 기술적 사상을 예시하기 위한 바람직한 실시예와 관련하여 설명하고 도시하였지만, 본 발명은 이와 같이 도시되고 설명된 그대로의 구성 및 작용에만 국한되는 것이 아니며, 기술적 사상의 범주를 일탈함이 없이 본 발명에 대해 다수의 변경 및 수정이 가능함을 당업자들은 잘 이해할 수 있을 것이다. 따라서, 그러한 모든 적절한 변경 및 수정과 균등물들도 본 발명의 범위에 속하는 것으로 간주되어야 할 것이다.As described above and described with reference to a preferred embodiment for illustrating the technical idea of the present invention, the present invention is not limited to the configuration and operation as shown and described as described above, it is a deviation from the scope of the technical idea It will be understood by those skilled in the art that many modifications and variations can be made to the invention without departing from the scope of the invention. Accordingly, all such suitable changes and modifications and equivalents should be considered to be within the scope of the present invention.

Claims (5)

분실된 전자지불수단의 비활성화를 통한 전자지불금액 분실/보상시스템에 있어서,In the electronic payment amount loss / compensation system by deactivating the lost electronic payment means, 정보통신망을 통해 사용자(10)로부터 전자지불수단의 분실신고 및 사용자단말기 식별번호를 입력받아 분실신고정보를 생성하는 고객센터(100);A customer center (100) generating lost report information by receiving a lost report of the electronic payment means and a user terminal identification number from the user (10) through the information communication network; 상기 분실신고정보를 분실신고DB(310)에 저장함과 아울러 VM활성화 요청SMS를 생성하고, 전송받은 전자지불수단 정보를 분실보상DB(320)에 저장하며, 전송받은 전자지불수단 비활성화 완료SMS에 따라 상기 분실보상DB(320)에 저장된 충전잔액을 '0'원으로 갱신하고, 상기 분실보상DB(320)를 색인하여 상기 전자지불수단에 포함된 충전잔액과 부합하는 금액을 상기 사용자(10)에게 지급하는 분실보상서버(300);In addition to storing the lost report information in the lost report DB 310 and generates a VM activation request SMS, and stores the received electronic payment means information in the lost compensation DB 320, according to the received electronic payment means deactivation complete SMS Update the remaining balance stored in the lost compensation DB (320) to '0' won, index the lost compensation DB (320) and the amount corresponding to the remaining balance included in the electronic payment means to the user (10) Lost compensation server 300 to pay; 상기 VM활성화 요청SMS를 전송받아 내장된 분실보상VM을 활성화시킴과 아울러 USIM제어VM을 통해 전자지불수단(410)에 내장된 전자지불수단 정보를 독출하고, 전자지불수단 비활성화 정보를 전송받아 상기 전자지불수단(410)에 내장된 활성화코드를 상기 전자지불수단 비활성화 정보에 포함된 비활성화코드로 변환하며, 상기 전자지불수단에 내장된 충전잔액을 '0'원으로 갱신한 후, 상기 전자지불수단 비활성화 완료SMS를 생성하는 사용자단말기(400); 및By receiving the VM activation request SMS to activate the built-in loss compensation VM, and read the electronic payment means information embedded in the electronic payment means 410 through a USIM control VM, and receives the electronic payment means deactivation information The activation code embedded in the payment means 410 is converted into a deactivation code included in the electronic payment means deactivation information, and after updating the charging balance embedded in the electronic payment means to '0', deactivate the electronic payment means. A user terminal 400 for generating a complete SMS; And 상기 전송받은 전자지불수단 정보에 포함된 활성화코드를 비활성화코드로 변환하여 상기 전자지불수단 비활성화 정보를 생성하는 비활성화서버(500); 를 포함하는 것을 특징으로 하는 분실된 전자지불수단의 비활성화를 통한 전자지불금액 분실/보상시스템.A deactivation server 500 for generating the electronic payment means deactivation information by converting the activation code included in the received electronic payment means information into a deactivation code; Electronic payment amount loss / compensation system through the deactivation of the lost electronic payment means comprising a. 제 1 항에 있어서,The method of claim 1, 상기 고객센터(100)로부터 전송받은 분실신고정보를 상기 분실보상서버(300)로 전송하고, 상기 분실보상서버(300)로부터 전송받은 VM활성화 요청SMS를 상기 사용자단말기(400)로 전송하며, 상기 사용자단말기(400)로부터 전송받은 전자지불수단 정보를 상기 분실보상서버(300)로 전송하고, 상기 분실보상서버(300)로부터 전송받은 전자지불수단 비활성화 정보를 상기 사용자단말기(400)로 전송하며, 상기 사용자단말기(400)로부터 전송받은 전자지불수단 비활성화 완료SMS를 상기 분실보상서버(300)로 전송하는 이동통신사(200); 를 더 포함하는 것을 특징으로 하는 분실된 전자지불수단의 비활성화를 통한 전자지불금액 분실/보상시스템.Send the lost report information received from the customer center 100 to the lost compensation server 300, and transmits the VM activation request SMS received from the lost compensation server 300 to the user terminal 400, Transmitting the electronic payment means information received from the user terminal 400 to the loss compensation server 300, and transmitting the electronic payment means deactivation information received from the loss compensation server 300 to the user terminal 400, A mobile telecommunication company 200 for transmitting the electronic payment means deactivation complete SMS received from the user terminal 400 to the loss compensation server 300; Electronic payment amount loss / compensation system through the deactivation of the lost electronic payment means further comprising a. 제 1 항에 있어서,The method of claim 1, 상기 전자지불수단 정보는, 고유번호, 충전잔액 및 활성화코드를 포함하고, 상기 전자지불수단 비활성화 정보는, 고유번호, 충전잔액 및 비활성화코드를 포함하는 것을 특징으로 하는 분실된 전자지불수단의 비활성화를 통한 전자지불금액 분실/보상시스템.The electronic payment means information includes a unique number, a charge balance and an activation code, and the electronic payment means deactivation information includes a unique number, a charge balance and a deactivation code. Electronic payment amount through loss / compensation system. 제 1 항에 있어서,The method of claim 1, 상기 VM은, 상기 사용자단말기(400)가 정보통신망과 접속되어 전송받은 프로그램을 내부적으로 구현이 가능하게 지원하는 것을 특징으로 하는 분실된 전자지불수단의 비활성화를 통한 전자지불금액 분실/보상시스템.The VM, the electronic payment amount loss / compensation system through the deactivation of the lost electronic payment means, characterized in that the user terminal 400 is connected to the information communication network to support the internal implementation can be implemented. 분실된 전자지불수단의 비활성화를 통한 전자지불금액 분실/보상방법에 있어서,In the electronic payment amount loss / compensation method by deactivating the lost electronic payment means, (a) 고객센터(100)가 사용자(10)로부터 입력받은 전자지불수단의 분실신고 및 사용자단말기 식별번호를 분실신고정보로 생성하는 단계;(a) generating, by the customer center 100, the loss report of the electronic payment means received from the user 10 and the user terminal identification number as lost report information; (b) 분실보상서버(300)가 이동통신사(200)를 통해 전송받은 상기 분실신고정보를 분실신고DB(310)에 저장하고, VM활성화 요청SMS를 생성하는 단계;(b) storing, by the loss compensation server 300, the lost report information received through the mobile communication company 200 in the lost report DB 310, and generating a VM activation request SMS; (c) 사용자단말기(400)가 상기 이동통신사(200)를 통해 전송받은 상기 VM활성화 요청SMS에 따라 내장된 분실보상VM을 활성화시킴과 아울러 USIM제어VM을 통해 전자지불수단에 내장된 고유번호 및 활성화코드를 포함하는 전자지불수단 정보를 독출하는 단계;(c) the user terminal 400 activates a lost compensation VM embedded in accordance with the VM activation request SMS received through the mobile communication company 200, and a unique number embedded in the electronic payment means through the USIM control VM; Reading electronic payment means information including an activation code; (d) 상기 분실보상서버(300)가 상기 이동통신사(200)를 통해 전송받은 상기 전자지불수단 정보를 분실보상DB(320)에 저장하는 단계;(d) storing, by the lost compensation server 300, the electronic payment means information received through the mobile communication company 200 in the lost compensation DB 320; (e) 비활성화서버(500)가 상기 분실보상서버(300)로부터 전송받은 전자지불수단 정보에 포함된 활성화코드를 비활성화코드로 변환하여 전자지불수단 비활성화 정보를 생성하는 단계;(e) generating an electronic payment means deactivation information by the deactivation server 500 converting the activation code included in the electronic payment means information received from the loss compensation server 300 into a deactivation code; (f) 상기 사용자단말기(400)가 상기 이동통신사(200)를 통해 상기 전자지불수단 비활성화 정보를 전송받고, 상기 USIM제어VM을 통해 상기 전자지불수단에 포한된 활성화코드를 상기 전자지불수단 비활성화 정보에 포함된 비활성화코드로 변환하여 상기 전자지불수단에 내장된 충전잔액을 '0'원으로 갱신한 후, 전자지불수단 비활성화 완료SMS를 생성하는 단계; 및(f) The user terminal 400 receives the electronic payment means deactivation information through the mobile communication company 200, the electronic payment means deactivation information contained in the electronic payment means via the USIM control VM Generating an electronic payment means deactivation complete SMS by converting the deactivation code included in the electronic payment means into a '0' member; And (g) 상기 분실보상서버(300)가 상기 이동통신사(200)를 통해 상기 전자지불수단 비활성화 완료SMS를 전송받은 후, 상기 분실보상DB(320)에 저장된 충전잔액을 '0'원으로 갱신하고, 상기 분실보상DB(320)를 색인하여 전자지불수단 정보에 포함된 충전잔액과 부합하는 금액을 상기 사용자(10)에게 지급하는 단계; 를 포함하는 것을 특징으로 하는 분실된 전자지불수단의 비활성화를 통한 전자지불금액 분실/보상방법.(g) After the lost compensation server 300 receives the electronic payment means deactivation complete SMS through the mobile communication company 200, and updates the remaining balance stored in the lost compensation DB (320) to '0' Indexing the loss compensation DB 320 and paying the user 10 an amount corresponding to a charge balance included in the electronic payment means information; Electronic payment amount loss / compensation method through the deactivation of the lost electronic payment means comprising a.
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