KR20170005261A - System and method for charging prepayment card using smart device - Google Patents

System and method for charging prepayment card using smart device Download PDF

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KR20170005261A
KR20170005261A KR1020150094498A KR20150094498A KR20170005261A KR 20170005261 A KR20170005261 A KR 20170005261A KR 1020150094498 A KR1020150094498 A KR 1020150094498A KR 20150094498 A KR20150094498 A KR 20150094498A KR 20170005261 A KR20170005261 A KR 20170005261A
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prepaid card
smart device
refund
smart
amount
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KR1020150094498A
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KR101711284B1 (en
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김지환
김석태
이은정
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주식회사 우리은행
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

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Abstract

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a prepaid card charging system using a smart device, and a method for charging and refunding a prepaid card using a smart device. More particularly, the present invention relates to a method for charging and refunding a prepaid card in real- The present invention relates to a prepaid card charging and refund system using a smart device and a method thereof.
The prepaid card charging system using the smart device of the present invention includes: a prepaid card having an NFC (Near Field Communication) function; A smart device having a smart banking function and an NFC function and charging a predetermined amount to the prepaid card through an NFC function; A banking server for supporting a smart banking service in the smart device; And a management server for managing a charge amount of the prepaid card, wherein the smart device withdraws the charge amount from the banking server using a smart banking function to charge the prepaid card when the charge amount is input, The management server may be configured to request the smart device to charge the prepaid card when the withdrawal of the charged amount is confirmed from the banking server.

Description

TECHNICAL FIELD [0001] The present invention relates to a prepaid card charging system using a smart device, a method of charging and refunding a prepaid card using a smart device,

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a prepaid card charging system using a smart device, and a method for charging and refunding a prepaid card using a smart device. More particularly, the present invention relates to a method for charging and refunding a prepaid card in real- The present invention relates to a prepaid card charging and refund system using a smart device and a method thereof.

Prepaid cards are widely used for the purpose of transportation cards used for public transportation use and for micro settlement such as electronic commerce using the Internet.

A prepaid card is a card that charges money by depositing money into a virtual account connected to the card and makes it available for use with a credit card within the range of the charge amount. It is similar to a check card or debit card in that money is deposited first and then used within the deposit amount. However, in the case of a prepaid card, there is a difference in that a virtual account dedicated to a prepaid card is created separately have.

However, such a prepaid card has a problem in that it is inconvenient to use the prepaid card because the prepaid card is configured so that the amount of money can be charged only through a dedicated device for charging the prepaid card. In addition, the process of refunding the charged amount is not only inconvenient, but also requires a lot of time and labor to recover from an error in the charging or refunding process.

On the other hand, referring to the use of Internet banking service in the first quarter of 2014 announced by the Bank of Korea, the total number of registered Internet banking customers is approximately 97.7 million, and the total number of Internet banking usage is about 63.69 million per day, The average number of users is 52.5 million, and the average number of users per day is 27.6 million. Also, most of the mobile banking is based on smartphones.

In the case of the latest smartphone, most of the devices are provided with an NFC (Near Field Communication) function that enables cost settlement through short-range communication. Therefore, in the present invention, by using smart banking using smart phones and NFC functions, I would like to propose a new scheme to make it possible to charge the prepaid card more easily.

Korean Patent Publication No. 10-0831063 (entitled International Telephone Prepaid Charging System and Method) Korean Patent Laid-Open Publication No. 10-2015-0014056 (entitled " Secure payment service method through NFC (security card) tag contact)

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to provide a system and method for prepaid card charging using a smart device for realizing charging and refund functions for a prepaid card in real time through smart banking The purpose.

The objects of the present invention are not limited to the above-mentioned objects, and other objects and advantages of the present invention which are not mentioned can be understood by the following description and more clearly understood by the embodiments of the present invention. It will also be readily apparent that the objects and advantages of the invention may be realized and attained by means of the instrumentalities and combinations particularly pointed out in the appended claims.

According to an aspect of the present invention, there is provided a prepaid card charging system using a smart device, including: a prepaid card having an NFC (Near Field Communication) function; A smart device having a smart banking function and an NFC function and charging a predetermined amount to the prepaid card through the NFC function; A banking server for supporting a smart banking service in the smart device; And a management server for managing a charge amount of the prepaid card, wherein the smart device withdraws the charge amount from the banking server using a smart banking function to charge the prepaid card when the charge amount is input, The management server may be configured to request the smart device to charge the prepaid card when the withdrawal of the charged amount is confirmed from the banking server.

Here, the management server receives an authentication number request from the smart device to generate an authentication number, and notifies the smart device of the authentication number, and the smart device, the banking server, and the management server execute mutual security authentication As shown in FIG. In this case, when an error occurs in the charging process of the prepaid card, it may be desirable that charge recovery through the NFC function of the smart device and the prepaid card is possible.

In addition, when a request for refund of money is input through the NFC function of the smart device and the prepaid card, the smart device interlocks with the management server to deduct the refund amount from the prepaid card, And to deposit the refund amount to the banking server. At this time, if an error occurs in the refund process of the prepaid card, it may be desirable that the refund can be recovered through the NFC function of the smart device and the prepaid card.

According to another aspect of the present invention, there is provided a method of charging a prepaid card, the method comprising: a charging request step of charging a charging request through an NFC function of a smart device and a prepaid card; A smart banking service step in which a smart banking service is provided through a smart device having NFC communication with a prepaid card through the charging request step; A withdrawal step of withdrawing a charged amount from an interlocking account using a smart banking service provided through the smart banking service step; A withdrawal confirmation step of confirming whether withdrawal of the amount corresponding to the charge amount is normally performed in the withdrawal step through the prepaid card management system; And a charging step of charging the prepaid card with the amount of money confirmed to be withdrawn through the withdrawal confirmation step.

Here, the present invention is characterized in that, when the generation of an authentication number is requested from the smart device after the charging request step, the prepaid card management system generates an authentication number to be used for security authentication in at least one of the steps And a generating step.

A charge recovery request step of receiving a charge restoration request through an NFC function of the smart device and the prepaid card when an error occurs before completion of the charge step after execution of the withdrawal step; And a charge recovery step in which when the charge restoration request is inputted through the charge restoration request step, the prepaid card management system performs charge restoration after confirming withdrawal of the charge amount.

According to another aspect of the present invention, there is provided a method of refunding a prepaid card, the method comprising: a refund request step of inputting a refund request through an NFC function of a smart device and a prepaid card; A smart banking service step in which a smart banking service is provided through a smart device having NFC communication with a prepaid card through the refund request step; An amount deduction step of subtracting a refund amount from the prepaid card; A depositing step of depositing the refund amount to a linked account using a smart banking service provided through the smart banking service step; And a deposit confirmation step of confirming whether or not the payment of the amount corresponding to the refund amount is normally performed in the depositing step through the prepaid card management system.

Here, the present invention is characterized in that, when the generation of an authentication number is requested from the smart device after the step of requesting a refund, the prepaid card management system performs an authentication for generating an authentication number to be used for security authentication in at least one of the steps And a number generating step.

A refund recovery request step of inputting a refund recovery request through the NFC function of the smart device and the prepaid card when an error occurs before completion of the depositing step after performing the amount subtraction step; A deposit result confirming step of confirming a deposit result of the prepaid card management system with respect to the linked account requested to be refunded through the refund recovery request step; A refund deposit request step of requesting, by the prepaid card management system, the deposit of the deduction amount to the interlocking account with respect to the smart device, when the deposit error is confirmed through the confirmation of the deposit result; And a refund recovery step in which, when the deposit of the refund amount is requested through the refund deposit request step, the refund amount deducted from the prepaid card through the smart banking service of the smart device is deposited into the interlocking account have.

According to the present invention as described above, it is possible to freely charge and refund a prepaid card regardless of time and place by using a personal portable terminal such as a smart phone.

In this case, when an error or the like occurs in the process of charging or refunding the prepaid card, the recovery function is provided so that real-time recovery of the charge or the refund can be performed, Can provide advantages.

In addition, it is possible to charge / refund the card directly from the bank account without passing through the payment gateway (PG) company, thereby simplifying the procedure and shortening the time required thereby, It is possible to provide various additional effects such as reduction of commission and the like.

FIG. 1 is an explanatory diagram schematically showing a configuration of a prepaid card charging system using a smart device according to an embodiment of the present invention.
2 is a flowchart illustrating a prepaid card charging method using a smart device according to an embodiment of the present invention.
FIG. 3 is a flowchart illustrating a charge restoration process in the prepaid card charging method using the smart device of FIG. 2. FIG.
4 is a flowchart illustrating a method of refunding a prepaid card using a smart device according to an embodiment of the present invention.
FIG. 5 is a flowchart illustrating a refund recovery process in the prepaid card refund method using the smart device of FIG.

The above and other objects, features, and advantages of the present invention will become more apparent by describing in detail exemplary embodiments thereof with reference to the attached drawings, which are not intended to limit the scope of the present invention. In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the drawings, the same reference numerals are used to denote the same or similar elements.

FIG. 1 is an explanatory diagram schematically showing a configuration of a prepaid card charging system using a smart device according to an embodiment of the present invention.

1, a prepaid card charging system using a smart device according to an exemplary embodiment of the present invention includes a smart device 110 such as a smart phone or a tablet PC, a prepaid card 120, a banking server 130, Card management server 140, and the like.

The smart device 110 has a smart banking function and an NFC (Near Field Communication) function. In other words, the smart device 110 can process services such as withdrawal and withdrawal from the linked account managed by the banking server 130 through the smart banking function. The smart device 110 can process the prepaid card 120, And the like. To this end, it may be desirable that a smart banking application or the like is installed in the smart device 110, and a dedicated application for interworking with the prepaid card management server 140 may be installed as needed.

The prepaid card 120 may be implemented by a conventional prepaid card and may be configured to charge or refund money by tagging with the smart device 110 or the like. It will be appreciated that any conventional form such as a plastic card or USIM type card may be applicable to such prepaid card 120. [ In the description of the present invention, the smart device 110 and the prepaid card 120 can be described as being operated by NFC by tagging. However, such tagging is not necessarily limited to a tag operation in a literal sense The prepaid card 120 is installed in the smart device 110 and the NFC function between the smart device 110 and the prepaid card 120 is operated by a separate operation command or the like Also, mark it as tagging for convenience.

The banking server 130 may be a conventional Internet banking system that supports a smart banking service through the smart device 110 and may provide an efficient provision of a money charging or refund service for the prepaid card 120 through the smart device 110 The smart device 110 may be configured to manage a financial account linked with the smart device 110. [

The prepaid card management server 140 refers to a management system for performing functions such as balance management and deposit / withdrawal management of the prepaid card 120 by managing virtual accounts linked with the prepaid card 120. [

In other words, if the charging amount is inputted from the user through the smart device 110, the prepaid card charging system using the smart device according to the embodiment of the present invention withdraws the charging amount from the banking server 130 using the smart banking function, To charge the card 120.

In this process, data transmission / reception is performed between the smart device 110 and the management server 140, so that the management server 140 confirms withdrawal of the charged amount from the banking server 130, To request charging of the battery 120. In other words, the smart device 110 and the prepaid card 120 transmit and receive data through NFC communication by tagging, and the smart device 110 transmits the charging amount input by the user to the banking server 130 through smart banking, And the management server 140 confirms the normal withdrawal of the corresponding amount from the banking server 130 and then requests the smart device 110 to charge the smart device 110. The smart device 110 prepares the corresponding amount by NFC communication The card 120 is charged.

Here, in the present invention, when the management server 140 receives an authentication number request from the smart device 110 and generates an authentication number, the management server 140 can be configured to perform security authentication using the authentication number in each data transmission and reception process.

In other words, when the prepaid card 120 is requested to be charged through the tagging of the smart device 110 and the prepaid card 120, the smart device 110 may request the management server 140 to generate the authentication number, The management server 140 receiving the request generates and stores the authentication number, and notifies the smart device 110 and the banking server 130 of the authentication number so that each hardware can share the same authentication number.

Such an authentication number is a process in which the smart device 110 requests the management server 140 to charge the prepaid card after the withdrawal of the charged amount is performed from the banking server 130, 140), and the like.

Meanwhile, in the process of withdrawing money from the banking server 130 through the smart device 110, security authentication in the same manner as normal smart banking may be required.

Meanwhile, the present invention can be configured to perform a charge restoration process through tagging of the smart device 110 and the prepaid card 120 when an error occurs in the money charging process for the prepaid card 120. [

That is, if an error occurs before the charging of the prepaid card 120 is completed after the withdrawal from the banking server 130, the user tags the smart device 110 and the prepaid card 120, The management server 140 receiving the request of the smart device 110 confirms whether the charging amount is normally paid out to the banking server 130 and then sends the prepaid card 120 As shown in FIG.

In this process, the management server 140 generates the authentication number according to the request of the smart device 110, so that it is natural that the security authentication can be performed using the corresponding authentication number when transmitting / receiving data between the respective devices .

Furthermore, the present invention can provide a refund processing function of the amount of money through the tagging of the smart device 110 and the prepaid card 120.

That is, when a money refund request is input to the prepaid card 120 and the tagged smart device 110, the smart device 110 interlocks with the management server 140 to subtract the refund amount from the prepaid card 120 And then deposit the refund amount to the banking server 130 using smart banking.

If an error occurs in the money refund process of the prepaid card 120, that is, when the money is subtracted from the prepaid card 120 but the deposit is not completed in the banking server 130 After the tagging of the smart device 110 and the prepaid card 120, the user can input the refund recovery request to the smart device 110, thereby allowing the refund recovery to proceed.

In the refund and refund recovery process described above, the management server 140 receives an authentication number request from the smart device 110 to generate an authentication number, and uses the corresponding authentication number in the data transmission / The security authentication can be configured to be performed as described above.

2 is a flowchart illustrating a prepaid card charging method using a smart device according to an embodiment of the present invention.

Referring to FIG. 2, a prepaid card charging method using a smart device according to an embodiment of the present invention includes charging request step S210, smart banking service step S220, withdrawal step S230, withdrawal confirmation step S240, And a charging step (S250).

The charging request step (S210) is a process in which a charging request is inputted through tagging of the smart device and the prepaid card. It is natural that it is preferable for the smart device and the prepaid card to have the NFC communication function for this purpose. In this case, tagging between the smart device and the prepaid card is not necessarily limited to the tag operation in the literal sense, and includes all the operations for performing the NFC function between the smart device and the prepaid card.

The smart banking service step S220 is a process of providing a smart banking service that is linked to a banking server through a prepaid card and a tagged smart device through a charging request step S210. It should be appreciated that conventional security measures such as a certificate of risk may be used.

The withdrawal step S230 is a process of withdrawing the charged amount from the linked account using the smart banking service provided through the smart banking service step S220. That is, if the user inputs the amount to be charged to the prepaid card through the smart device after tagging the smart device and the prepaid card, the smart device withdraws the corresponding amount from the linked account of the banking server through smart banking, Withdrawal step S230.

If it is determined that the withdrawal has been made through the withdrawal step S230, the smart device can request the prepaid card management system to charge the prepaid card with the corresponding amount, and the prepaid card management system, which receives the request, (S240).

That is, in the withdrawal confirmation step S240, it is checked whether the withdrawal of the amount corresponding to the recharge amount is normally performed in the withdrawal step S230 from the prepaid card management system. The prepaid card management system checks the withdrawal step S240 When the normal withdrawal is confirmed, the smart device is instructed to charge the corresponding amount. If such instruction is given, the prepaid card can be charged through the charging step S250.

 Here, the prepaid card charging method using the smart device according to the embodiment of the present invention is a method for charging the prepaid card to correspond to a request for generating the authentication number from the smart device to the prepaid card management system side after the charging request step S210 And an authentication number generating step in which the authentication number is generated by the authentication number generating step.

The authentication number thus generated can be used for security and authentication purposes when data is transmitted and received between constituent devices such as a smart device, a banking server, and a management server. Particularly, when the withdrawal is made through the withdrawal step S230 A smart device that confirms that the payment has been made is requested to charge the withdrawal amount to the prepaid card management system and confirms the withdrawal amount.

FIG. 3 is a flowchart illustrating a charge restoration process in the prepaid card charging method using the smart device of FIG. 2. FIG.

Referring to FIG. 3, the charge recovery process applied to the prepaid card charging method using the smart device according to the embodiment of the present invention may include a charge recovery request step S310 and a charge recovery step S320. Can be confirmed.

The charging restoration requesting step S310 is a step of requesting a normal finishing of the charging process when an error occurs before completion of the charging step S250 after the withdrawal step S230 is performed. By entering a post-charge recovery request. At this time, the tagging operation is not limited to the tag operation, which is the same as that of the prepaid card charging method of FIG.

If the charge recovery request is input through the charge restoration request step S310, the prepaid card management system re-checks whether the normal withdrawal of the charged amount has been performed, and then performs a charge restoration step of performing charge restoration by transmitting / S320).

In this case, after the charge restoration request is inputted through the charge restoration request step S310, the smart device can request the prepaid card management system side to generate the authentication number, and each of the data transmission / reception step In particular, it is natural that the prepaid card management system instructs the smart device to charge the prepaid card and that the smart device confirms it.

4 is a flowchart illustrating a method of refunding a prepaid card using a smart device according to an embodiment of the present invention.

4, a method of refunding a prepaid card using a smart device according to an embodiment of the present invention includes a refund request step S410, a smart banking service step S420, an amount deduction step S430, a deposit step S440, And a deposit confirmation step (S450).

The refund request step S410 is a process of inputting a refund request through tagging of the smart device and the prepaid card. The smart banking service step S420 is a step of requesting the prepaid card and the smart device To provide smart banking services. 4, the method for refunding the prepaid card using the smart device according to the embodiment of the present invention is the same as the above-mentioned case in which the tagging between the smart device and the prepaid card is not limited to only the tag operation in the literal sense .

The amount deduction step S430 is a process of subtracting the refund amount from the prepaid card by the refund amount input by the user through the smart device. That is, the smart device can request the prepaid card management system to deduct the refund amount input by the user, and the prepaid card management system can instruct the deduction of the refund amount from the prepaid card in response to the request.

In this case, it is of course possible to provide such a configuration that the entire charge amount of the prepaid card is designated if a specific amount is not specified.

The depositing step S440 is a process of depositing the refund amount to the interlocking account using the smart banking service provided in the smart banking service step S420. When the depositing to the interlocking account is completed through the depositing step S440, And a deposit confirmation step (S450) for notifying the smart device side that the prepaid card management system has confirmed completion of the normal deposit and the like, as shown in the figure.

Here, the present invention may further include an authentication number generation step of requesting generation of an authentication number from the smart device after the refund request step (S410), wherein the prepaid card management system generates an authentication number. It is possible to use it for security authentication at one or more stages where data transmission / reception is performed between the constituent devices of the apparatus.

In the method of refunding the prepaid card using the smart device as shown in FIG. 4, in particular, a process of requesting deduction of the amount of money for the prepaid card from the smart device to the prepaid card management system, It may be usefully applied to a process of requesting a deposit of a deduction amount or the like.

FIG. 5 is a flowchart illustrating a refund recovery process in the prepaid card refund method using the smart device of FIG.

Referring to FIG. 5, the refund recovery process applied to the prepaid card refund method using the smart device according to the embodiment of the present invention includes a refund recovery request step S510, a deposit result confirmation step S520, a refund deposit request step S530), a refund recovery step S540, and the like.

The refund recovery request step S510 is a step of repeating the tagging of the smart device and the prepaid card when an error occurs before the completion of the deposit step S440 after deduction of the refund amount from the prepaid card through the subtracting step S430 Quot; refund request " In this case, the tagging includes all operations for performing the NFC function between the smart device and the prepaid card, as described above.

In step S520, the prepaid card management system checks the deposit result for the linked account requested to be refunded through the refund restoration request step S510. In step S520, If the payment error is confirmed, a refund deposit request step (S530) may be performed in which the prepaid card management system requests the smart device to deposit the deducted amount in the interlocking account.

In step S540, the smart device, which has requested the deposit of the refund amount through the refund deposit request step (S530), deposits the amount subtracted from the prepaid card using the smart banking service in the interlocking account (S540) The process can be completed.

Here, after the refund recovery request is inputted through the refund recovery request step S510, the smart device can request the prepaid card management system side to generate the authentication number, and by using the authentication number, In particular, the prepaid card management system may be usefully applied to a process of requesting an account deposit of a deduction amount for a smart device (S530), a process of depositing money between the smart device and a banking server, and confirming the confirmation thereof It is similar to the example.

On the other hand, although not shown in the drawings, the present invention can be configured to perform a settlement of accounts for a unit period such as a date unit or a week or a month for a result of charge, charge restoration, refund and refund recovery and the like.

In other words, the banking server transmits all the transaction history result files such as charge, charge recovery, refund, and refund recovery to the prepaid card management system side, and the prepaid card management system performs the check on the result, It is possible to provide functions such as providing the details through on-line / off-line when an individual customer requests transaction data or the like.

Here, it is natural that any conventional technique may be applied to the automatic generation and check process of the transaction history result file.

The present invention as described above enables a free charge / refund of a prepaid card without any restriction on time or place through a personal portable terminal such as a smart phone, It is possible to provide various effects such as improvement of user convenience and reduction of commission by directly charging / refunding the money between the bank account and the prepaid card without passing through the company.

The present invention is not limited to the above-described embodiments, and various changes, substitutions, and alterations can be made hereto without departing from the scope of the present invention. But the present invention is not limited thereto.

110: Smart devices
120: Prepaid card
130: Banking server
140: Prepaid card management server

Claims (11)

A prepaid card having an NFC (Near Field Communication) function;
A smart device having a smart banking function and an NFC function and charging a predetermined amount to the prepaid card through the NFC function;
A banking server for supporting a smart banking service in the smart device; And
And a management server for managing a charge amount of the prepaid card,
The smart device withdraws the charging amount from the banking server using a smart banking function to charge the prepaid card when the charging amount is input,
Wherein the management server requests the smart device to charge the prepaid card when the withdrawal of the charged amount is confirmed from the banking server.
The method according to claim 1,
Wherein the management server receives a request for generating an authentication number from the smart device, generates an authentication number, notifies the smart device of the authentication number,
Wherein the smart device, the banking server, and the management server perform mutual security authentication using the authentication number.
3. The method according to claim 1 or 2,
Wherein the smart card and the prepaid card are capable of performing charge recovery through the NFC function when an error occurs in charging the prepaid card.
The method according to claim 1 or 2, wherein
When a request for refund of money is input through the NFC function of the smart device and the prepaid card, the smart device interlocks with the management server to subtract a refund amount from the prepaid card, and then, using the smart banking, And charging the refund amount to the server.
5. The method of claim 4,
And a refund can be recovered through the NFC function of the smart device and the prepaid card when an error occurs in the refund process of the prepaid card.
In the prepaid card charging method,
A charging request step in which a charging request is inputted through the NFC function of the smart device and the prepaid card;
A smart banking service step in which a smart banking service is provided through a smart device having NFC communication with a prepaid card through the charging request step;
A withdrawal step of withdrawing a charged amount from an interlocking account using a smart banking service provided through the smart banking service step;
A withdrawal confirmation step of confirming whether withdrawal of the amount corresponding to the charge amount is normally performed in the withdrawal step through the prepaid card management system; And
And a charging step of charging the prepaid card with the confirmed amount of withdrawal through the withdrawal confirmation step.
The method according to claim 6,
An authentication number generating step of generating an authentication number to be used for security authentication in at least one of the steps of the prepaid card management system when requesting generation of an authentication number from the smart device after the charging request step Prepaid card charging method using included smart device.
8. The method according to claim 6 or 7,
A charge recovery request step of receiving a charge recovery request through an NFC function of the smart device and the prepaid card when an error occurs before completion of the charge step after execution of the withdrawal step; And
And a charge recovery step of, when the charge restoration request is inputted through the charge restoration request step, performing a charge restoration after confirming the withdrawal of the charge amount by the prepaid card management system.
For prepaid card refund method,
A refund request step in which a refund request is inputted through the NFC function of the smart device and the prepaid card;
A smart banking service step in which a smart banking service is provided through a smart device having NFC communication with a prepaid card through the refund request step;
An amount deduction step of subtracting a refund amount from the prepaid card;
A depositing step of depositing the refund amount to a linked account using a smart banking service provided through the smart banking service step; And
And a payment confirmation step of confirming whether or not the payment of the amount corresponding to the refund amount is normally performed in the depositing step through the prepaid card management system.
10. The method of claim 9,
And generating an authentication number to be used for the security authentication in at least one of the steps of the prepaid card management system when the authentication number generation is requested from the smart device after the refund request step How to refund a prepaid card using the included smart device.
11. The method according to claim 9 or 10,
A refund recovery request step of inputting a refund recovery request through the NFC function of the smart device and the prepaid card when an error occurs before completion of the depositing step after performing the amount subtraction step;
Confirming a deposit result of the prepaid card management system with respect to the interlocked account requested to be refunded through the refund recovery request step;
A refund deposit request step of requesting, by the prepaid card management system, the deposit of the deduction amount to the interlocking account with respect to the smart device, when the deposit error is confirmed through the confirmation of the deposit result; And
And a refund recovery step of, when the refund deposit is requested through the refund deposit request step, a refund amount deducted from the prepaid card through the smart banking service of the smart device is deposited into the interlocking account How to refund a prepaid card using.
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