KR20100053913A

KR20100053913A - System and method for processing settlement free traffic fare and recording medium

Info

Publication number: KR20100053913A
Application number: KR1020080112796A
Authority: KR
Inventors: 김동명
Original assignee: 주식회사 신한은행
Priority date: 2008-11-13
Filing date: 2008-11-13
Publication date: 2010-05-24

Abstract

PURPOSE: A free of charge traffic charge settling method and a system thereof for a free traffic fare for collecting and settling accounts and a recording medium therefor are provided to automatically settle traffic charge to an institute providing free traffic service. CONSTITUTION: An information receiving unit(115) receives predetermined card issue request information. A validity authenticating unit(120) confirms the validity toward the issuance of the card in which the free of charge function is included. An information generating unit(125) generates the predetermined free of charge function information. A card issuing unit issues the card in which the predetermined free of charge function is included. An information storage unit stores the card issuer information in the storage media.

Description

System and Method for Processing Settlement Free Traffic Fare and Recording Medium}

1 is a diagram illustrating a card issuing system for issuing a transportation card with a free function for a customer who can provide free service when using a transportation means according to an exemplary embodiment of the present invention.

2 is a diagram illustrating a card issuing process for issuing a transportation card with a free function for a customer who can provide free service when using a means of transportation according to an exemplary embodiment of the present invention.

3 is a diagram illustrating a card issuing process for issuing a transportation card with a free function for a customer who can provide free service when using a transportation method according to another exemplary embodiment of the present invention.

4 is a diagram illustrating an offline-based card payment system configuration through a card having a free function according to an embodiment of the present invention.

5 is a diagram illustrating an offline payment approval process through a card with a free function according to an embodiment of the present invention.

400: card company server 405: interface unit

410: professional receiver 415: professional transmitter

420: card information verification unit 425: information verification unit

430: payment approval processing unit 435: information generation unit

440: information storage unit 445: settlement processing unit

450: Card Information D / B 455: Transaction History D / B

460: payment terminal

According to the present invention, when a customer using a subway requests a transportation fee payment using a transportation card, checking whether the transportation card requested by the customer includes a free function, and as a result of the confirmation, the customer charges the transportation fee. If the transportation card requesting the payment includes a free function, the step of free processing the traffic fare, collect the free traffic charges and the collected free traffic charges to the transportation fee free service provider The step of claiming, and when receiving the claim of the free charge transportation fee charged from the free charge service provider, the provided free transportation fee to the subway operator to settle processing of free traffic charges The present invention relates to a free transportation fare settlement processing method including a system.

Due to the development of information and communication technology, subway / bus fares, which have been paid in cash, have been paid using a transportation card, thereby eliminating many inconveniences of carrying cash.

However, in the case of elderly people who are given preferential treatment for transportation fees, for example, the use of the subway, when the subway is used to visit the window and receive a free ticket for free treatment, the inconvenience of using the subway occurs.

In order to solve this problem, by providing a transportation card with a free function and processing the transportation fee based on this, it is convenient to use, but a difficult problem occurs due to a complicated problem of the settlement process. However, there is a difficult problem that requires a lot of staff to handle this as a large number of customers use it.

An object of the present invention for solving the above problems is, when a subway user requests a transportation fee payment using a traffic card, the means for checking whether a free card function is included in the traffic card that the customer requests payment; As a result of the check, if the traffic card requested by the customer to pay the transportation fee includes a free function, the free fee means for processing the traffic fee and the free traffic fee are collected, and the collected free traffic is processed. Means for billing the fare to the transportation fee free service provider and receiving the charged free transportation fee from the transportation fee free service provider, providing the received free transportation fee to the subway operator for free Providing a free transportation fare settlement processing system that includes means for processing the processed transportation fare. have.

In accordance with an embodiment of the present invention, when a passenger using a subway requests a payment of a transportation fee using a transportation card, the method for determining a free transportation fare according to the present invention includes: checking whether the transportation card requested by the customer includes a free function; As a result of the check, when the customer requests a transportation fee, the transportation card includes a free function, the free processing of the traffic fee, the free traffic charges are collected, and the collected free traffic is processed. Billing the fare to the transportation fee free service provider, and receiving the charged free transportation fee from the transportation fee free service provider, providing the received free transportation fee to the subway operator for free Characterized in that it comprises the step of processing the processed traffic fare.

In addition, when a customer using a subway requests a transportation fee payment using a transportation card, checking whether the transportation card requested by the customer includes a free function, and as a result of the confirmation, the customer pays the transportation fee. If the traffic card requesting a free function is included, the step of free processing the traffic fare, collect the free traffic charges and provide to the subway operator in advance, the pre-free provided transportation fee Claiming the transportation fee free service provider, and receiving the charged free transportation fee from the transportation fee free service provider, the received free transportation fee and the pre-provided free transportation. Determining whether the fare is matched and calculating the free fare. The features.

The present invention includes a computer-readable recording medium characterized by recording a program for executing the above-mentioned free fare settlement processing method.

The free traffic fare settlement processing system according to the present invention includes means for checking whether a free ticket function is included in a traffic card requested by the customer when a subway user requests a payment of a traffic fare using a traffic card; As a result of the check, if the traffic card requested by the customer to pay the transportation fee includes a free function, the free fee means for processing the traffic fee and the free traffic fee are collected, and the collected free traffic is processed. Means for billing a fee to a transportation fee free service provider; and receiving the charged free transportation fee from the transportation fee free service provider, providing the received free transportation fee to a subway operator for free And means for settlement of the processed traffic fare.

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

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

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

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

In more detail, Figure 1 is for a issuance of a transportation card with a free function for a customer capable of providing free services when a predetermined customer uses a predetermined transportation means through a predetermined fee issuing interface. If the card issuance application information is provided, the card is provided with a free function in the form of a predetermined MS (Magnetic Stripe) card or IC (Integrated Circuit) card to the customer based on the provided card issuance application information in the transportation fee free processing system. As a system configuration for issuing a system, a person having ordinary knowledge in the technical field to which the present invention pertains refers to this drawing 1 and / or modified to use the means of transportation, and provide a free service for customers who can provide free service. It is possible to infer various implementation methods for the card issuance system configuration for issuing traffic card equipped with Would, in the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 1.

Hereinafter, at least one means for issuing a card having a predetermined free function to the customer based on the card issuing application information provided from the customer through a predetermined card issuing interface on the card issuing system shown in FIG. And / or components corresponding to the functional configuration are referred to as "card issuing server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, when using the means of transportation, a card issuing system for issuing a transportation card with a free function for a customer who can provide free service includes at least one card issuing institution ( Or a staff terminal used by a card issuing staff provided at a financial institution), and / or a wired terminal used by the customer when the card issuing system supports a non-face-to-face card issuing application. And / or a client terminal including at least one wireless terminal, wherein the employee terminal and / or client terminal are provided on a card processing server provided on the traffic fare free processing system through a predetermined network means. 100) and a communication channel are connected.

According to one embodiment of the present invention, the customer visits the card issuing institution (or financial institution) to issue a transportation card with a free function for a customer who can provide free service when using the transportation means. When using the transportation method through a window provided at the issuer (or financial institution) (or through the card issuing staff), a predetermined card issuance for issuance of a transportation card with a free function is available for customers who can provide free service. Fill out an application form (e.g., a document with a form for filling in at least one information item for issuance of a transportation card with a free function for a customer who can provide free services when using the transportation means) (or the card The issuing staff visits the customer and allows the customer to provide free services when using the means of transportation. If possible, complete the prescribed card issuance application for issuance of a transportation card with free function, and submit the completed card issuance application form to the card issuing staff. The card issuing server is provided with (or selected) the information entered in the card issuance application, and the employee terminal is provided on the traffic fare free processing system through the network means for the input (or selected) ( 100).

Here, the employee terminal preferably comprises an employee terminal used by the card issuing staff provided in the card issuing institution (or financial institution), the card issuing server 100 connected to the employee terminal is the card issuance Preferably it comprises a server provided on an institution (or a financial institution, or a card issuing partner affiliated with the card issuing agency), the network means for connecting the employee terminal and the card issuing server 100 is It is preferable to include a communication network connecting the communication channel between the employee terminal and the card issuing server 100.

In the card issuing system as described above, the card issuance application created by the customer, the employee terminal used by the card issuing staff and the financial network connecting the employee terminal and the card issuing server 100 is the customer When using transportation, it performs a function of the card issuing interface for registering the card issuing application information for issuing a transportation card with a free function for customers who can provide free service.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the customer is selected from a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Access to the card issuing server 100 through at least one or more client terminals, and when using the means of transportation through at least one or more user interface provided by the card issuing server 100, free services to customers that can provide free services When the card issuing application information for issuing a traffic card with a function is inputted (or selected), the client terminal transmits the card issuance server 100 provided on the traffic fare free processing system through a predetermined network means. It is preferable.

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

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and are personal communications connected to the CDMA based mobile communication network. Terminal (Personal Communication System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal information terminals (Personal Digital Assistant; PDA) and / or Smart Phone and / or Telematics, or High Speed Do at least one wireless communication terminal connected to a wireless communication network based on a wnlink packet access), a portable internet terminal connected to the IEEE 802.16x based mobile Internet, or a wireless data communication terminal connected to the DataTAC / Mobitex based wireless data communication network. It is preferable to make.

In addition, the client terminal outputs at least one user interface provided by the card issuing server 100, inputs and / or selects at least one or more information through the user interface, and transmits the same to the card issuing server 100. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the card issuing server 100, etc.) is provided.

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

In the card issuing system, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the card issuing server 100 and The wireless communication network performs a function of a card issuing interface for registering card issuing application information for issuing a transportation card with a free function for a customer capable of providing free services when the customer uses the transportation means.

According to another exemplary embodiment of the present invention, when the card issuing system supports a card issuing application in a non-face-to-face manner, the card issuing terminal 155 may have a predetermined financial network in addition to the employee terminal and / or the client terminal. It further comprises a financial automated machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to (for example, a financial common network), and / or a predetermined And a predetermined call terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN), Voice over IP (VoIP) network, and / or a mobile communication network, a wireless VoIP network, It further comprises a predetermined call terminal (not shown) connected to the same wireless telephone network, and / or is provided in at least one or more institutions affiliated with the card issuer (or financial institution). The terminal (and / or server) (not shown) may be further included, whereby the present invention is not limited.

In the case of supporting the non-face-to-face card issuance application as described above, when the card issuing terminal 155 is the financial automatic device (not shown), the financial automated device (not shown) and the financial automated device ( (Not shown) and the financial network connecting the card issuing server 100 registers card issuing application information for issuing a transportation card with a free function for a customer who can provide free service when the customer uses the transportation means. And / or the card issuing terminal 155 is the call terminal (not shown), and / or the call terminal (not shown) and the call terminal (not shown) and the card. The wired telephone network and / or the wireless telephone network connecting the issuing server 100 is provided with a free function for a customer who can provide free service when the customer uses the transportation means. A terminal that performs a function of a card issuing interface for registering card issuance application information for issuance of a traffic card, and / or the card issuing terminal 155 is provided in an institution affiliated with the card issuing institution (or financial institution) (And / or server) (not shown), a network connecting the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the card issuing server 100. The customer performs a function of a card issuing interface for registering the card issuing application information for issuance of a transportation card with a free function for customers who can provide free services when using the means of transportation.

The storage medium 145 provided on the traffic fare free processing system according to the present invention provides a card having a predetermined free function to the customer based on the card issuance application information provided from the card issuing terminal 155. After issuing, the card issuance information is stored according to the issuance of the card provided with the free function, and the card issuance information stored in the storage medium 145 is free when using the means of transportation on the transportation fee free processing system. It is used for issuance of transportation card with free function for customers who can provide service.

According to one embodiment of the invention, the storage medium 145 is preferably provided in a DBMS on a predetermined financial system provided on the traffic fare free processing system (or associated with the traffic fare free processing system). In this case, the storage medium 145 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited. .

According to another embodiment of the present invention, the storage medium 145 is an on-line payment system and / or WAP-based wireless payment system, and / or IC chip provided on (or associated with) the toll free processing system. It is possible to be provided in the DBMS on at least one or more of the base wireless payment system, and / or the tele payment system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 145 is linked to a server (or device) that performs a predetermined information processing function using the card issuance information on the traffic fare free processing system. It is preferable that the DBMS is provided. In this case, the location where the storage medium 145 is provided may be variously performed according to the intention of those skilled in the art, and the present invention is not limited thereto.

The card issuing server 100 provided on the traffic fare free processing system according to the present invention is a generic term for the components of the traffic fare free processing system side connected to the card issuing terminal 155 through a predetermined network means. It may be implemented by including at least one server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited. .

According to the embodiment of the present invention, the card issuing server 100 includes an interface unit 105 (or interface means) for providing a predetermined card issuing interface to the card issuing terminal 155 through the network means. Characterized in that made.

According to an embodiment of the present invention, when the card issuing terminal 155 is an employee terminal connected to a predetermined financial network, the interface unit 105 is connected to the employee terminal based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a card issuance application program provided in the employee terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 155 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 105 implements a protocol stack defined in the wired communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a predetermined card issuing application program provided by the card issuing server 100, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, the present invention provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the card issuing terminal 155 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 105 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Or, if the client terminal is provided with a card issuance application program provided by the card issuance server 100, the interface unit 105 connects a communication channel with the client terminal based on the CDMA protocol, the communication Provides communication interface for transmitting and receiving information (or data) using communication protocol defined in program.

Referring to FIG. 1, the card issuing server 100 interworks with the interface unit 105 when a predetermined card issuing terminal 155 is connected to the card issuing server 100 through the interface unit 105. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card issuing application information from the card issuing terminal 155 to the card issuing terminal 155. 110 (or an interface providing means) and information for receiving predetermined card issuing application information transmitted from the card issuing terminal 155 (or selected) through the user interface in association with the interface unit 105. Checking the validity of issuing a card with the free function to the customer based on the receiving unit 115 (or information receiving means) and the received card issuing application information. Generating (or extracting) predetermined free function information corresponding to a card having a validity authentication unit 120 (or validity authentication means) and a free function to issue to the customer based on the received card issuance application information; A card issuing unit 140 (or card) for issuing a card having a predetermined free function including the free function information through the information generating unit 125 (or information generating means) and the predetermined card issuing device 150. Issuance means) and an information storage unit 135 (or information storage means) for storing card issuance information corresponding to a card having a free function issued to the customer in the storage medium 145. It is done.

The interface providing unit 110 corresponds to a functional configuration provided in the card issuing terminal 155 when a predetermined card issuing terminal 155 is connected to the card issuing server 100 through the interface unit 105. Generate (or select) the card issuing application information and generate a predetermined user interface which can be transmitted to the card issuing server 100 via the network means, and / or is extracted from a predetermined database (not shown). And provide the user interface generated (or extracted) in cooperation with the interface unit 105 to the card issuing terminal 155 through the network means.

Thereafter, the card issuing terminal 155 inputs (or selects) the card issuing application information based on the user interface, and the card issuing server through the network means for the card issuing application information input (or selected). Send to 100.

According to an embodiment of the present invention, when the card issuing terminal 155 is an employee terminal connected to a predetermined financial network, the interface providing unit 110 may provide a card issuance application program provided in the employee terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the employee terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the card issuing terminal 155 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 110 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to the communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the card issuing terminal 155 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

The information receiving unit 115 inputs (or selects) predetermined card issuing application information from the card issuing terminal 155 through the user interface and transmits the same through the network means. Characterized in that the card issuance request information is received, and provides the received card issuance application information to the validity authentication unit 120 or information generation unit 125.

According to the method of the present invention, the card issuing application information includes at least one or more of customer information of the card issuing customer, card information, and free function information.

Here, the customer information is personal information of the card issuing customer (eg, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer subscribes to the card issuing server 100. Preferably, at least one member information (eg, member ID information) is included.

In addition, the card information is assigned to the card specific information corresponding to one or more card types, such as credit card / check card / debit card that the customer requests issuance, credit card / check card / debit card issued to the customer It is preferable to include one or more card number, the expiration date (may be omitted in some cases) and the like.

In addition, the free function information is identification information for identifying whether or not to include a free processing function for free processing of the traffic charges generated in accordance with the use of the means of transportation when using more than one means of transportation through the card requested by the customer It is preferable to include one or more information, such as customer age, customer name, free function grant institution (for example, Seoul City Hall, etc.).

The validity authentication unit 120 checks the validity of issuing a card with the free function to the customer based on the customer information included in the received card issuance application information.

According to the implementation method of the present invention, the validity check for issuing the card with the free function to the customer, based on the customer name and resident registration number included in the customer information, the predetermined real name confirmation through a predetermined communication means It is preferable to include checking the real name of the customer in conjunction with a server (not shown).

In addition, when the card with the free function comprises a credit card, the validity check for issuing the card with the free function to the customer is determined through a predetermined communication means based on the customer information. It is preferably made in connection with the credit rating server of the check the credit information of the customer.

In addition, when the card with the free function includes a check card / debit card, the validity check for issuing the card with the free function to the customer is based on the customer information. It is preferable that the customer account linked to the check card / debit card through the connection with the financial institution server is opened, it is preferable to include whether to check whether the opening and normal operation of the customer account.

The information generating unit 125 generates (or extracts) predetermined free function information to be provided in the card having the free function to the customer based on the card issuance application information received through the information receiving unit 115. The free function information includes a card number (eg, 16-digit card number), an expiration date information (some may be omitted), and a card issuer information (or code) corresponding to a card having the free function. It comprises at least one.

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuer number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information may include a period (or an expiration date and time) in which the card with the free function can be used, and may be omitted when the expiration date does not exist in the card with the free function. Thereby, this invention is not limited.

The card issuing organization information (or code) preferably comprises at least one or more unique numbers (or unique codes) assigned to the card issuing institution (or financial company) that issues the card with the free function to the customer. .

When the predetermined free function information provided in the card having the free function is generated by the information generating unit 125, the card issuing unit 140 receives the free function information through the predetermined card issuing device 150. Producing a card having a free function including a (or having the free function information on the card with the free function), the card with the free function provided to the customer (or delivery) do.

If the card with the free function is an MS (Magnetic Stripe) card, the card issuing device 150 may include at least one MS track (eg, track I, track II, track) provided in the card with the free function. III) a device for recording the free function information, wherein the information generating unit 125 generates (or extracts) the free function information in a data structure recordable in at least one or more MS tracks, and The card issuing unit 140 issues a card having a predetermined free function to issue to the customer by recording the free function information on at least one or more MS tracks through the card issuing device 150.

Or, if the card with the free function is an integrated circuit (IC) card, the card issuing device 150 is a device for recording the free function information in the memory provided in the IC chip of the card with the free function In this case, the information generating unit 125 generates (or extracts) the free function information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit. The card 140 records the free function information in the memory of the IC chip through the card issuing device 150 to issue a card having a predetermined free function to be issued to the customer.

The card having the free function produced as described above is provided to the customer, and / or is delivered to the customer according to a predetermined card providing procedure, after which the customer is provided through the transportation fee free processing system according to the present invention. The card with the free function is used.

Thereafter, the information storage unit 135 includes at least one of customer information included in the card issuing application information received from the customer through the information receiving unit 115, the generated free function information and card issuing application information. The card issuing information is stored in the storage medium 145.

2 is a diagram illustrating a card issuing process for issuing a transportation card with a free function for a customer who can provide free service when using a transportation method according to an exemplary embodiment of the present invention.

In more detail, in FIG. 2, in the card issuing system shown in FIG. 1, a predetermined customer prepares a predetermined card issuing application through a face-to-face card issuing interface (eg, the card issuing application, employee terminal, and network means). When the card issuance officer submits to the card issuing staff, the card issuing staff enters (or selects) the card issuing application information corresponding to the card issuing application through a predetermined card issuing terminal 155 to the card issuing server 100. When transmitting to the card issuing server 100, the free issuing function for issuing a transportation card with a free function for the customer that can provide free service when using the means of transportation to the customer based on the card issuing application information As a process of issuing a provided card, those of ordinary skill in the art to which the present invention pertains, By referring to and / or modifying the drawing 2, it is possible to infer various implementation methods for issuing a card with the free function for issuing a transportation card with the free function for customers who can provide free services. As will be appreciated, the invention includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG.

For example, although FIG. 2 illustrates a card having the free function and provides (or delivers) the card to the customer, the card issuance information is stored in the storage medium 145. According to the process of storing the predetermined card issuing information in the storage medium 145 is provided to the customer before manufacturing the card with the free function or after the card with the free function (or shipping) It may be carried out before), whereby the present invention is not limited.

Hereinafter, in FIG. 2, the card issuing terminal 155 shown in FIG. 1 is referred to as a "terminal" for convenience, and the card issuing server 100 is referred to as a "server" for convenience.

Referring to Figure 2, when using the means of transportation, the customer face-to-face card issuing interface to receive a card with the free function for issuing a transportation card with a free function for customers who can provide free services At least one for issuance of a transportation card having a free function for a customer who can provide free services through a predetermined card issuance application (for example, when using the transportation means, through the card issuance application, employee terminal and network means). The document having a form for filling out the above information item) is prepared and submitted to the card issuing staff, the terminal is issued by the card issuing staff corresponding to the card issuance application prepared by the customer through a predetermined user interface. Receiving (or selecting) card issuing application information (200), and receiving the network means. The card issuance application information is transmitted to the server through the server (205).

Thereafter, the server receives and reads the card issuance application information from the terminal through the network means, and provides a free service to the customer when using the transportation means based on the customer information included in the card issuance application information. Check the card issuance validity for issuing the card with the free function for issuing a traffic card with a free function (210).

In addition, when the card with the free function includes a check card / debit card, the validity check for issuing the card with the free function to the customer is based on the customer information. It is preferable that the check account / debit card through the customer account associated with the financial institution server is opened, it is preferable to include whether to check whether the opening and normal operation of the customer account.

If the validity to issue the card with the free function to the customer is not authenticated through the card issuing application information (215), the server provides the card issuing error information to the customer through the card issuing interface. 220, and stops issuing the card with the free function to the customer.

On the other hand, if the validity to issue the card with the free function to the customer is authenticated through the card issuing application information (215), the server is provided with a free function to issue to the customer based on the card issuing application information. Generating (or extracting) predetermined free function information corresponding to the card that has been used (225), wherein the free function information includes a card number (eg, 16-digit card number) and an expiration date information corresponding to a card having the free function; (Some may be omitted) and at least one card issuer information (or code).

The card issuer information (or code) preferably comprises at least one unique number (or unique code) assigned to the card issuer (or financial company) that issues the card with the free function to the customer. .

According to an embodiment of the present invention, if the card with the free function is an MS card, the generated free function information preferably includes a data structure recordable on at least one or more MS tracks provided in the MS card. .

According to another exemplary embodiment of the present invention, if the card having the free function is an IC card, the generated free function information includes a file structure operable through a chip operating system (COS) provided in the IC chip. It is preferable.

Thereafter, the server produces a card having a predetermined free function having the free function information through the predetermined card issuing device 150 and provides (or delivers) the card to the customer (230).

According to an embodiment of the present invention, if the card with the free function is an MS card, the card issuing device 150 may include at least one or more MS tracks (eg, track I, track) provided in the card with the free function. II, track III) preferably includes a device for recording the free function information.

According to another exemplary embodiment of the present invention, if the card having the free function is an IC card, the card issuing device 150 records the free function information in a memory provided in the IC chip of the card having the free function. It is preferable to include the apparatus to make.

Thereafter, the server stores the card issuing information including at least one of customer information included in the card issuing application information provided from the customer through the card issuing interface, the generated free function information and card issuing application information. 145.

In addition, the free function information is the identification information for identifying whether or not including the free processing function for free handling of the traffic charges generated by the use of the means of transportation when using the at least one means of transportation through the card that the customer requests issuance ( For example, it is preferable to include one or more pieces of information such as a customer age, a customer name, a free function granting institution (for example, Seoul City Hall, etc.).

According to another embodiment of the present invention, the storage medium 145 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the toll free processing system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

3 is a diagram illustrating a card issuing process for issuing a transportation card with a free function for a customer who can provide free service when using a transportation method according to another embodiment of the present invention.

In more detail, FIG. 3 shows a non-face-to-face card issuing interface (e.g., client terminal and network means including at least one of a wired terminal and / or a wireless terminal) by a predetermined customer in the card issuing system shown in FIG. When the card issuing server 100 is connected to the card issuing application information through input (or selection), the card issuing server 100 sends the customer the transportation means based on the card issuing application information. When using, it shows a process for issuing a card with a free function for issuing a transportation card with a free function for customers who can provide free service, if you have a general knowledge in the technical field to which the present invention belongs In reference to this drawing 3 and / or modified to use the means of transportation, free service for customers who can provide free services It is possible to infer various implementation methods for issuing a card with the free function for issuance of a traffic card having a capability, but the present invention includes all of the inferred implementation methods, as shown in FIG. It is not limited.

For example, FIG. 3 illustrates that the card having the free function is provided and provided (or shipped) to the customer, and then the card issuance information is stored in the storage medium 145. According to the process of storing the predetermined card issuing information in the storage medium 145 is provided to the customer before manufacturing the card with the free function or after the card with the free function (or shipping) It may be carried out before), whereby the present invention is not limited.

Hereinafter, in FIG. 3, the card issuing terminal 155 shown in FIG. 1 is referred to as a "terminal" for convenience, and the card issuing server 100 is referred to as a "server" for convenience.

Referring to FIG. 3, the customer accesses the server through a predetermined terminal, connects a communication channel for application for card issuance, and free services to customers who can provide free services when using the means of transportation through the communication channel. Apply for issuing a card with the free function for issuing a traffic card with a function (300), and correspondingly, the server generates (or extracts) a user interface for issuing a card with the free function. Provided to the terminal through the communication channel (305).

Thereafter, the terminal receives (or selects) the card issuing application information through the user interface and transmits the input (or selection) of the card issuing application information to the server through the communication channel (310).

Thereafter, the server receives and reads the card issuance application information from the terminal through the network means, and provides a free service to the customer when using the transportation means based on the customer information included in the card issuance application information. Check the card issuance validity for issuing the card with the free function for issuing a traffic card with a free function to the (315).

If the validity to issue the card with the free function to the customer is not authenticated through the card issuing application information (320), the server provides the card issuing error information to the customer through the card issuing interface. 325, stop issuing the card with the free function to the customer.

On the other hand, if the validity to issue the card with the free function to the customer is authenticated through the card issuance application information (320), the server is provided with a free function to issue to the customer based on the card issuance application information. Generating (or extracting) predetermined free function information corresponding to the card that has been used (330), and the free function information includes a card number (eg, 16-digit card number) and an expiration date information corresponding to a card having the free function (Some may be omitted) and at least one card issuer information (or code).

For example, the card number (although some exceptions exist) preferably includes a 4-digit card issuer number, a 2-digit card type number, a 9-digit serial number, and a check digit.

Thereafter, the server prepares a card having a predetermined free function having the free function information through the predetermined card issuing device 150 and provides (or delivers) the card to the customer (335).

Thereafter, the server stores the card issuing information including at least one of customer information included in the card issuing application information provided from the customer through the card issuing interface, the generated free function information and card issuing application information. And store in 145.

Here, the customer information is personal information of the card issuing customer (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer is issued to the card issuing server 100 It is preferable to include at least one member information (for example, member ID information) subscribed to.

According to one embodiment of the invention, the storage medium 145 is preferably provided in a DBMS on a predetermined financial system provided on the traffic fare free processing system (or associated with the traffic fare free processing system). In this case, the storage medium 145 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited. No.

4 is a diagram showing the configuration of an offline-based card payment system through a card with a free function according to an embodiment of the present invention.

In more detail, Figure 4 is a payment processing through the use of the means of transportation when the payment processing through a predetermined offline payment channel using a card with a free function issued through the card issuing system shown in Figure u As an off-line card payment system for processing a person having ordinary knowledge in the art to which the present invention pertains, the offline card payment system configuration through the card with the free function by referring to and / or modifying the present Figure 4 Various embodiments of the present invention may be inferred, but the present invention includes all of the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

Referring to Figure 4, the offline card payment system through the card with the free function, the payment terminal 460 provided in a predetermined offline merchant and the card company server for payment approval processing for the card with the free function ( 400 and a communication network (eg, a value added network (VAN)) connecting the payment terminal 460 and the card company server 400 to each other.

In FIG. 4, the card company server 400 including at least one card company server 400 on the offline card payment system through the card having the free function is illustrated as one server. If only one embodiment for explaining, various functional components constituting the card company server 400 may be implemented through at least two or more separate servers (or devices), whereby the present invention is not limited.

The payment terminal 460 on the offline card payment system is characterized in that it comprises at least one or more points of sales (POS) terminal having a credit authorization terminal (CAT), and / or payment function, at least one or more After reading the predetermined card information from the card equipped with the free function through a card reader, inputting a payment amount through a predetermined key input device, payment approval including the card information, the payment amount and the merchant information. The request message may be generated and transmitted to the card company server 400 through the communication network (for example, VAN).

In addition, the card company server 400 on the offline card payment system, characterized in that it comprises at least one server provided in the card company to process the payment approval for the card with the free function, the payment After receiving the payment approval request message including the card information, the payment amount and the merchant information from the terminal 460, the payment authorization processing of the payment amount included in the payment approval request message through the card with the free function Characterized in that.

In addition, the communication network connecting the payment terminal 460 and the card company server 400 in the offline card payment system, at least one or more between the payment terminal 460 and the card company server 400 based on at least one backbone network It characterized in that it comprises at least one bansa server (not shown) and wired and wireless communication network for relaying payment-related full text.

Those skilled in the art to which the present invention pertains, the technical features of the payment terminal 460 and the technical features of the conventional card company server 400 and connecting the payment terminal 460 and the card company server 400 Since you will be familiar with the technical features of the communication network, a detailed description thereof will be omitted for convenience.

According to the method of the present invention, the card company server 400 is provided with the customer information issuing the card with the free function through the card issuing system shown in Figure u, and the free function issued to the customer A predetermined card information D / B 450 for linking and storing the card information corresponding to the card and the card attribute information and the card limit information corresponding to the card having the free function, or the card information. It is preferable to interwork with a predetermined DBMS operating the D / B 450 or to a DB server (not shown) provided with the card information D / B 450.

The customer information is the personal information (eg, customer name, resident registration number, address, wireless terminal information (or mobile phone number), mail of the customer who issued the card with the free function through the card issuing system shown in the drawing u). Address) and at least one member information (for example, member ID information) of the customer.

Preferably, the card information includes a predetermined card number corresponding to a card having a free function issued to the customer through the card issuing system shown in the drawing u. , Card issuer number (or code)) and card type information (eg, card identification number (or code) and expiration date information (some may be omitted) for the card provided with the free function. .

According to an embodiment of the present invention, the card information is preferably matched with predetermined payment means information corresponding to the card with the free function, the payment means is credit card payment means, check card payment means, debit card It is preferable to include at least one or more of the payment means, prepaid card payment means.

The card attribute information includes payment attributes (eg, postpaid, debit, prepaid, etc.) for the card with a free function issued to the customer through the card issuing system shown in FIG. The at least one royalty attribute including a mileage accrual policy for the provided card and at least one additional service attribute associated with the free card function is preferably included.

The card limit information is a payment approval for a payment amount using the card having the free function according to the payment means characteristic corresponding to the card having the free function and / or the payment attribute of the card having the free function. It is preferable to include information for confirming the limit amount for.

According to an exemplary embodiment of the present invention, when the payment means corresponding to the card having the free function includes a credit card payment means (or postpaid payment attribute), the card limit information is a card having the free function. It is preferred that the predetermined credit limit amount information for.

According to another embodiment of the present invention, the payment means corresponding to the card having the free function includes a check card / debit card payment means (or a debit payment attribute associated with an account) associated with a predetermined account. In this case, the card limit information preferably includes predetermined account information (or account balance information) associated with the card having the free function.

According to another exemplary embodiment of the present invention, when the payment means corresponding to the card having the free function includes a prepaid card payment means (or a prepaid payment attribute), the card limit information is provided with the free function. It is preferable to include predetermined charge amount information pre-charged to the card.

Referring to FIG. 4, the card company server 400 may be configured to transmit and receive payment-related professional communication with at least one payment terminal 460 through a communication network including at least one value-added communication network (VAN) and / or a financial common network. An interface unit 405 (or interface means) for connecting and managing a communication channel, and at least one payment information including card information, payment amount, and merchant information from the payment terminal 460 in association with the interface unit 405; Sending a payment approval result text corresponding to the payment approval request message to the payment terminal 460 in association with the professional receiving unit 410 (or a professional receiving means) and the interface unit 405 for receiving the approval request text. It is characterized by comprising a professional transmission unit 415 (or professional transmission means).

When the payment terminal 460 reads the card information through a predetermined card reader, generates a payment approval request message including the card information, the payment amount, and the affiliated store information, and transmits it through the communication network. 410 is characterized in that for receiving the full payment approval request in conjunction with the interface unit 405.

If the payment approval procedure corresponding to the payment approval request message is completed in the card company server 400 and a payment approval result message including a predetermined payment processing history is generated, the specialized transmission unit 415 may be configured as the interface unit ( In operation 405, the payment approval result information may be transmitted to the payment terminal 460.

Those skilled in the art to which the present invention pertains are familiar with technical features for transmitting and receiving the payment approval request text and the payment approval result text through the value-added communication network and / or financial common network. Detailed description is omitted for convenience.

Referring to FIG. 4, the card company server 400 receives the full payment approval request message including the card information, payment amount, and merchant information from the payment terminal 460 through the information receiving unit. A card information checking unit 420 (or card information checking means) for confirming whether the card information included in the approval request text is matched with the card information issued through the card issuing system shown in FIG. If it is determined whether the card information included in the received full payment approval request message is matched with the card information issued through the card issuing system shown in FIG. The information confirmation unit 425 (or information confirmation means) for confirming whether or not the card is a card containing a free function, and the verification result, included in the full payment approval request When the card corresponding to the card information is provided with a free function, the card with the free function by comparing the card limit information associated with the card information and the payment amount in association with the card information D / B 450. Payment approval processing unit 430 (or payment approval processing means) for processing the payment approval of the transportation fee in accordance with the use of the means of transport, and any one of the predetermined payment error information and payment approval information corresponding to the payment approval processing An information generating unit 435 (or information generating means) for generating predetermined payment processing history information including a payment processing result including a payment processing history including predetermined payment approval information among the payment processing results. It is provided with an information storage unit 440 (or information storage means) for storing the predetermined transaction history information, which is classified by date and time, in the predetermined transaction history D / B 455. And being characterized in that, the generated billing processing history information is being transmitted to the payment terminal 460 via the specialized transmission section 415.

When the payment approval request message including the card information, payment amount and merchant information is received from the payment terminal 460 through the information receiving unit, the card information verification unit 420 is received from the payment terminal 460. Characterized in that the card information included in the full payment approval request is matched with the card information issued through the card issuing system shown in the drawing u.

According to the exemplary embodiment of the present invention, the card information checking unit 420 uses the card information included in the full payment approval request as a keyword to search / search for card information stored in the card information D / B 450. Preferably, the card information included in the full payment approval request is card information issued through the card issuing system shown in the drawing u.

The information checking unit 425 is not matched with the card information issued through the card issuing system shown in the drawing u, the card information included in the full payment approval request message received through the card information checking unit 420 If it is confirmed, it is characterized in that whether the card corresponding to the confirmed card information is a card containing a free function.

According to the embodiment of the present invention, whether the free function is included in the card corresponding to the card information included in the received payment approval request text is stored in connection with the card information on the card information D / B 450. Checking whether the free information is included by checking one or more information, and checking whether the free information is included in the card corresponding to the card information included in the received payment approval request text,

According to another exemplary embodiment of the present invention, whether or not a free function is included in a card corresponding to the card information included in the received payment approval request message is received further including free function information in the received payment approval request message. It is preferable to check whether the free function is included in the card corresponding to the card information included in the received payment approval request message by checking whether the received free function information is valid.

If the card information included in the payment approval request text is matched with the card information provided in the card information D / B 450, the payment approval processing unit 430 may be checked from the card information D / B 450. The card corresponding to the card information included in the full payment approval request by confirming the card limit information on the card with the free function stored in association with the card information, and comparing the confirmed card limit information and the payment amount It is characterized in that for approving the payment processing through the payment amount.

According to the exemplary embodiment of the present invention, the payment approval processing unit 430 confirms predetermined credit limit amount information stored in association with the card information from the card information D / B 450 and the confirmed credit limit amount amount. By comparing the information and the payment amount, it is characterized in that the payment approval for the payment amount through the card with the free function.

The payment approval processing unit 430 may process predetermined payment error information (eg, payment error code) or payment approval information (eg, payment) in the process of processing payment approval for the payment amount through the card having the free function. Characterized in that for generating a payment processing result including any one of).

When the payment approval processing unit 430 generates a payment processing result including any one of the payment error information (eg, payment error code) or payment approval information (eg, payment approval number), the information generation unit ( 435 generates predetermined payment processing history information including the card information, payment amount information, merchant information and payment processing result, and the specialized transmission unit 415 is connected with the interface unit 405. The predetermined payment approval result including the payment processing history information is characterized in that it is transmitted to the payment terminal 460 through the communication network.

When the predetermined payment processing history information including the payment approval information (eg, payment approval number) is generated by the payment approval processing unit 430, the information storage unit 440 stores the payment processing history information (eg, the A predetermined transaction processing history including card information, payment amount information, merchant information, and payment approval information), and generates predetermined transaction history information further including the payment date and time information to the predetermined transaction history D / B 455. It is characterized by storing.

Here, in response to the received payment processing request full text, when the transportation fee payment processing, it is preferable to store and store the free transportation fee of the traffic fee, and when storing the traffic fee classification, charge the free transportation fee It is desirable to store and sort by the billing authority to be.

Referring to Figure 4, the card company server 400, if the card presented by the customer requesting the transportation fee payment in the payment processing corresponding to the received payment approval request full text is a card with a free function, In response to this, the free amount generated in the payment process is collected, and the collected free amount is requested to the transportation fare free service provider, received and provided to the transportation operator, or the collected free value And a settlement processing unit 445 (or settlement processing means) for pre-providing the processed amount to the transportation operator, and receiving and collecting the collected free value from the transportation fee free service provider. It features.

According to the implementation method of the present invention, the settlement processing for the free fare for the transportation fee, the free fare for the traffic fare requested by the customer collects the request to the transportation fare free service provider, the traffic fare free On the basis of the amount received from the service provider, it is preferable to perform the settlement processing for the free fare of transportation in connection with the transportation operator.

According to another exemplary embodiment of the present invention, the settlement processing for the free fare for transportation is performed by first collecting the free fare for the fare requested by the customer and calculating the free fare for the free transportation to the traffic fare operator. It is preferable to perform a settlement process for the free fare of the free fare which has been provided in advance in connection with the free fare service provider.

5 is a diagram illustrating an offline payment approval process through a card having a free function according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates a payment process using an offline payment channel corresponding to the offline card payment system shown in FIG. 4 through a card having a free function issued through the card issuing system shown in FIG. As an offline payment processing process for processing the transportation fee payment processing according to the use of the means of transportation in the card company server 400, those skilled in the art to which the present invention pertains, refer to FIG. It is possible to infer various implementation methods for the offline payment process through the card equipped with the free function by changing the invention, but the present invention includes all the implementation methods inferred, the implementation shown in FIG. The technical features are not limited only by the method.

Referring to FIG. 5, the payment terminal 460 on the offline card payment system shown in FIG. 4 generates a full payment approval request message including the card information, the payment amount, and the merchant information, and transmits the generated payment approval request message to the card company server 400. The lower surface 500, the card company server 400 after receiving the payment approval request full text, the card information included in the received payment approval request full text is issued through the card issuing system shown in the drawing u the card In operation 505, it is checked whether the card information matches the card information stored in the information D / B 450.

According to an exemplary embodiment of the present invention, the affiliate server uses the card information included in the full payment approval request as a keyword to search / search card information stored in the card information D / B 450, thereby providing the card information. It is preferable to check whether the card information issued through the card issuing system shown in the drawing u.

Those skilled in the art to which the present invention pertains will be familiar with the technical features and professional transmission and reception procedures of the payment terminal 460 for transmitting the full text of the payment approval request, a detailed description thereof will be omitted for convenience. .

If the card information included in the full payment approval request is not matched with the card information stored in the card information D / B 450 (510), the card company server 400 includes the card information error code. The payment approval result is generated and transmitted to the payment terminal 460 (515).

On the other hand, if it is determined that the card information included in the payment approval request message is matched with the card information stored in the card information D / B 450 (510), the card company server 400 may request the payment approval request message. In operation 516, it is determined whether a free function is included in the card corresponding to the card information included in the card information.

If the card corresponding to the card information included in the received payment approval request text includes a free function (517), the card company server 400 freely processes the payment amount corresponding to the transportation fee ( 518).

The card company server 400 generates payment processing history information including the card information, payment amount information, merchant information and payment approval information (eg, payment approval number) (545), and the card information and payment amount information and After the payment processing history including the merchant information and payment approval information and the transaction history information including the payment date information are stored in a predetermined transaction history D / B 455 (550), the payment including the payment processing history The full text of the approval result is generated and transmitted to the payment terminal 460 (555).

On the other hand, if the card corresponding to the card information included in the received payment approval request message includes a free function (517), the card company server 400 from the card information D / B (450) the card information Based on the card limit information associated with the check the limit amount for the card with the free function (520).

According to the method of the present invention, the card company server 400 checks the predetermined credit limit amount information stored in association with the card information from the card information D / B 450, and the confirmed credit limit amount information By comparing the payment amount and the payment, characterized in that the payment approval for the payment amount through the card with the free function.

If the limit amount for the card with the free function is confirmed (525), the card company server 400 by comparing the payment amount and the limit amount, the payment amount using the card with the free function In step 530, a payment approval procedure for payment processing is performed.

If, as a result of the payment approval, payment approval for the payment amount is not confirmed (535), the card company server 400 includes payment error information (eg payment error code) for the card with the free function. Generating payment processing history information (540), and generates a payment approval result full text including the payment processing history and transmits to the payment terminal (460) (555).

On the other hand, if the payment approval is confirmed, the payment approval for the payment amount (535), the card company server 400 includes the card information, payment amount information, merchant information and payment approval information (eg, payment approval number) And generating payment processing history information (545), and the transaction processing history information including the card information, payment amount information, merchant information and payment approval information, and transaction history information including the payment date information. After storing in the B (455) (550), and generates the full payment approval result including the payment processing history and transmits to the payment terminal (460) (555).

Subsequently, the card company server 400 processes the free transportation fee generated at the time of processing the payment of the transportation fee corresponding to the received payment processing request in connection with a transportation operator or a free transportation service provider. 560).

Here, it is preferable that the free transportation fee is collected and settled in units of a predetermined period, or when the free transportation fee is generated, the payment is processed immediately.

According to the present invention, when the transportation fee payment processing is performed using a card having a free function, the free traffic fee generated accordingly is collected, and the collected traffic fee is charged to an agency providing the free transportation fee free service. By automatic settlement processing, there is an advantage that can be more effective in employee utilization.

Claims

When the customer using the subway requests a transportation fee payment using a transportation card, checking whether the transportation card requested by the customer includes a free function;

As a result of the checking, when the customer requests a transportation fare payment, the transportation card includes a free function;

Collecting the free traffic charges and claiming the collected free traffic charges to a transportation fee free service provider;

And receiving the request for the unpaid traffic fee charged from the traffic fee free service provider, providing the received free traffic fee to the subway operator to settle the unpaid traffic fee. Free transportation fee settlement processing method characterized in that.

Collecting the free traffic charges and pre-providing them to the subway operator and billing the prepaid free traffic charges to the free transportation service provider;

When receiving the requested free transportation fee from the free transportation service provider, the free transportation fee is checked by checking whether the received free transportation fee matches the pre-provided free transportation fee. Settlement processing; Free traffic fare settlement processing method characterized in that it comprises a.

A computer-readable recording medium having recorded thereon a program for executing the method of claim 1.

Means for confirming whether or not a free parking function is included in a traffic card requested by the customer when the subway user requests a payment of a traffic fee using a traffic card;

Means for processing the traffic fare free of charge when the traffic card that the customer requests for payment of the fare is included as a result of the checking;

Means for collecting the free traffic charges and claiming the collected free traffic charges to a transportation fee free service provider;

Means for providing the received free traffic fare to the subway operator to settle the free fare for the free fare when receiving the charged free fare from the free fare service provider; Free transportation fare settlement processing system, characterized in that.