KR100671542B1 - Prepaid Card Service Operation System and Method - Google Patents

Abstract

Upon requesting the purchase of a prepaid card from the purchaser, it generates issuance information including an order number, a PIN, and advertisement information requested by the buyer, registers and stores the generated issuance information, and then issues a prepaid card. In addition, when a user carrying a prepaid card accesses a service provider server that wants to use a service and clicks a banner linked to a relay server, the relay server directly provides the PIN number of the prepaid card to the user.

Then, when the user inputs the PIN of the prepaid card by using a user terminal (phone, computer, mobile communication terminal, etc.), the prepaid card is authenticated by comparing the input PIN with the pre-stored PIN, the service request information requested by the user By registering the prepaid card to the service provider server to transmit the service request information of the user to the corresponding service provider server to provide the service as the issued amount of the prepaid card. At this time, the advertisement information of the pre-registered buyer in the registration process of the prepaid card can be transmitted to the user terminal to obtain the advertisement effect.

Prepaid card, PIN, order number, purchase request information, authentication, advertisement information, service provider, registration, user terminal, communication network

Description

Prepaid card service management function {System and Method for prepaid card service management function}

1 is an overall system configuration of a prepaid card service operating system according to the present invention,

2 is a detailed configuration diagram of the relay server shown in FIG. 1,

3 is a block diagram showing a purchase process of a prepaid card,

4 is a block diagram illustrating a process in which a user directly purchases a PIN of a prepaid card.

5 is a block diagram illustrating a process in which a user registers a prepaid card using a telephone network;

6 is a block diagram illustrating a process in which a user registers a prepaid card using an internet network;

7 is a block diagram illustrating a process in which a user registers a prepaid card using a wireless Internet network.

<Description of the code used in the main part of the drawing>

100: buyer terminal 200: user terminal

300: service provider server 400: relay server

401: firewall 402: ERP server

403: PABX 404: IVR Server

405: administrator server 406: transaction server

407: WAP server 408: WEB server

409: Proxy server 410: PIN server

411: DB Server 412: Backup Server

500: communication network 501: Internet network

502: PSTN 503: leased line

The present invention relates to a prepaid card service operating system and method, and more particularly, to a prepaid card service system that can be provided with a service amount of a prepaid card using a prepaid card purchased at a predetermined cost, Providing an overall operation and system related to receiving orders for prepaid cards, registering pre-paid cards, and providing services, prevents fraudulent use of prepaid cards, efficiently distributes and manages a large number of prepaid cards, and prepaid It relates to a prepaid card service operating system and method that can expect the advertising effect through the card.

In the general prepaid card system, a business operator who wants to provide a service issues a prepaid card classified by the issued amount, and the user purchases the prepaid card by the issued amount, and then receives the service of the provider as much as the issued amount of the prepaid card. Corresponds to one operating system containing concepts. This prepaid card system is already widely used by the public by prepaid transportation card, prepaid phone card and the like.

In the conventional prepaid card system, its operation is limited to providing a limited service by using a prepaid card purchased by a user. That is, a prepaid calling card is used when a public telephone service or a mobile communication service provider is provided with a limited mobile communication service, and a prepaid transportation card can be used when using a bus or subway. Such a conventional prepaid card does not need a separate authentication procedure or checks the amount of money charged to the prepaid card and goes through a procedure of authenticating whether the prepaid card is a normal card.

However, according to the conventional prepaid card system, the following problems occur.

In other words, the conventional prepaid card system is limited to a procedure for verifying whether the authentication card is not required or is a normal card and checking the charged amount of use. Therefore, when the user loses or stolen the prepaid card, Can't expect any more services.

In addition, in the case of a prepaid card for a mobile communication service, since the user must purchase a prepaid card issued by the mobile carrier to which the user is subscribed, the compatibility of the prepaid card is degraded, which causes a decrease in the willingness to purchase the prepaid card. .

In addition, in order to issue a prepaid card, a service provider must directly issue or manage a prepaid card, and thus additional work is required for issuing and managing a prepaid card. Management efficiency is lowered.

In addition, the conventional prepaid card takes the form of printing the ad text on the surface of the card, it is impossible to expect a sufficient advertising effect for the user.

Accordingly, an object of the present invention is to solve such problems, and an object of the present invention is to provide a service through a pre-registered prepaid card even when the prepaid card is lost or stolen as a user who carries the prepaid card registers the prepaid card. It is to provide a prepaid card service operation system that can be provided.

In addition, another object of the present invention is to collectively manage the issuance of the prepaid card required by the purchaser of the prepaid card, and to manage the user to authenticate the prepaid card to different service provider servers so that the user can prepaid the prepaid card to each service provider server. It is to provide a prepaid card service operating system to eliminate the burden of the service provider server by direct authentication.

In addition, another object of the present invention is that if a user directly connects to a service provider server affiliated with a relay server and requests issuance of a prepaid card through the web page of the relay server linked to the web page of the service provider server, the relay server Issuing a PIN directly to the user and allowing the user to authenticate and use the issued PIN to the relay server, thereby reducing the cost of issuing and distributing the prepaid card and allowing for faster issuance of the prepaid card. The card service operating system is provided.

In addition, another object of the present invention is to inform the user of the advertisement information of the buyer registered in the order of the prepaid card, and display the advertisement information registered by the buyer in the process of registering the prepaid card more efficient advertising It is to provide a prepaid card service operating system that can achieve the effect.

In addition, another object of the present invention is to provide a prepaid card service operating method for achieving each of the above objects.

A feature of the present invention for achieving the above object is a relay server for issuing a prepaid card including the issued amount and PIN information; A buyer terminal for requesting the purchase of a prepaid card; A user terminal for registering a prepaid card by a user carrying the prepaid card; A service provider server for providing the service requested by the user of the prepaid card to the user as much as the issued amount of the prepaid card is connected to communicate with each other via a communication network; The relay server generates and registers issuance information including an order number and a PIN of a prepaid card as much as the quantity requested by the purchaser terminal, prepares a prepaid card including the registered issuance information, and provides it to the purchaser terminal; When a user carrying a prepaid card requests registration of a prepaid card by using a user terminal, the prepaid card is authenticated by comparing a PIN input from the user terminal with a pre-registered registration PIN, and the service request information input from the user terminal. According to the prepaid card service operation system to authenticate the user's legitimacy by accessing the service provider server, and whether or not to register the prepaid card according to the authentication result of the service provider server.

On the other hand, another feature of the present invention, the relay server for generating a PIN containing the issued amount information; A user terminal for downloading a PIN of the prepaid card from the relay server and registering the downloaded PIN; A service provider server for providing the service requested by the user of the prepaid card to the user as much as the issued amount of the prepaid card so as to communicate with each other through a communication network; The relay server generates and registers issued information including an order number and a PIN of a prepaid card as much as the quantity requested by the user terminal, and downloads the generated PIN to the user terminal; When the user who downloaded the PIN requests registration of the prepaid card using the user terminal, the PIN input from the user terminal is compared with the previously registered registration PIN to authenticate the validity of the PIN, and the user terminal Prepaid card service operation characterized in that the access to the service provider server inputted from the service provider server to authenticate the legitimacy of the user, and whether or not to register the prepaid card according to the authentication result of the service provider server It is in the system.

Here, the user terminal, and a telephone that can be connected through the telephone network; A computer accessible via an internet network; It is preferable to include at least one or more of the mobile communication terminal that can be connected through a wireless Internet network.

In addition, the service provider server preferably includes at least one of a mobile operator server and a paid site operator server.

In addition, the relay server may further include registering the advertisement information transmitted from the buyer terminal in the purchase information transmitted from the buyer terminal and transmitting the registered advertisement information to the user terminal according to a registration request of the user terminal. .

In this case, the advertisement information may include voice information provided when the user terminal is a telephone; Image information provided when the user terminal is a computer; It is preferable that the user terminal includes at least one or more of the SMS information provided when the mobile terminal.

The communication network preferably includes at least one of a telephone network, an internet network, and a dedicated line.

The relay server may further include an IVR server that responds to a user terminal connected through a telephone network and provides voice information related to registration of a prepaid card to the user terminal; A transaction server controlling overall registration of a prepaid card in response to at least one of a purchaser terminal or a user terminal connected through an internet network; A web server for providing purchase related and prepaid card registration related web pages to at least one of a buyer terminal and a user terminal connected to the relay server; A WAP server responsive to a user terminal connected through a wireless Internet network, and transmitting data for registering a prepaid card to the user terminal; A PIN server for generating a PIN of the prepaid card; A DB server for one-to-one matching with the PIN generated by the PIN server, the order number corresponding to the purchase request information received by the buyer terminal, and the advertisement information transmitted from the buyer terminal; It is preferable to include an ERP server that controls the overall purchase process of the buyer terminal.

The relay server may further include a firewall that protects the relay server from accessors connecting to the relay server through a dedicated line and an internet network.

In addition, the relay server encrypts the registration result information of the prepaid card at the same time as decrypting the encrypted registration information when the various registration information input for registration of the prepaid card in the user terminal is encrypted and transmitted to the relay server, the relay server It may further include a proxy server that is responsible for the security of the server.

The relay server may further include a backup server for backing up various data generated by the relay server.

On the other hand, another feature of the present invention, a relay server for issuing a prepaid card including the issued amount and PIN information, the buyer terminal requesting the purchase of the prepaid card, and the user carrying the prepaid card to register the prepaid card A method of operating a prepaid card service using a system for connecting a user terminal and a service provider server for providing a service requested by a user of a prepaid card to a user by the amount of the prepaid card issued through the communication network, the purchaser terminal purchasing Generating and registering issuance information including an order number and a PIN of a prepaid card as much as the requested quantity, preparing a prepaid card including the registered issuance information, and providing it to a purchaser terminal; When the user carrying the prepaid card requests registration of the prepaid card by using the user terminal, comparing the PIN input from the user terminal with the pre-registered registration PIN to authenticate the prepaid card; A method of operating a prepaid card service, which accesses a service provider server according to service request information input from a user terminal, authenticates the validity of a corresponding user, and notifies whether a prepaid card is registered according to the authentication result of the service provider server.

On the other hand, another feature of the present invention, a relay server for generating a PIN containing the issued amount information, a user terminal for downloading a PIN from the relay server, register the downloaded PIN, and the user of the prepaid card A method of operating a prepaid card service using a system in which a service provider server that provides a service requested by a user to an amount of money issued by the prepaid card is connected to each other via a communication network, the method comprising: an order number and a prepaid amount as requested by the user terminal Generate and register the issuance information including the PIN of the card, and download the generated PIN to the user terminal; When the user who has downloaded the PIN requests registration of the PIN using the user terminal, the PIN input from the user terminal is compared with the previously registered registration PIN to authenticate the validity of the PIN; A prepaid card including accessing the service provider server according to the service request information input from the user terminal and authenticating the validity of the corresponding user, and notifying whether the prepaid card is registered according to the authentication result of the service provider server. How to operate the service.

Wherein the user terminal requests to convert the user's points accumulated in the service provider server into the prepaid amount of the prepaid card; The service provider server sends the requested point change request to the relay server to request validity authentication of a PIN held by the user; If the validity is verified, the relay server may be configured to recharge by adding the charge amount requested by the service provider server from the accumulated amount of the PIN.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First, in adding reference numerals to the elements of each drawing, it should be noted that the same elements are denoted by the same reference numerals as much as possible even if they are displayed on different drawings. In addition, in the following description there are shown a number of specific details, such as components of the specific circuit, which are provided only to help a more general understanding of the present invention that the present invention may be practiced without these specific details. It is self-evident to those with ordinary knowledge in the world. In describing the present invention, when 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.

Figure 1 shows the overall system configuration of the prepaid card service operating system according to the present invention, Figure 2 shows a detailed configuration of the relay server shown in Figure 1, Figure 3 shows the purchase process of the prepaid card A block diagram is shown, and FIG. 4 is a block diagram illustrating a process of directly purchasing a PIN of a prepaid card, and FIG. 5 is a block diagram showing a process of registering a prepaid card by a user using a telephone network. 6 is a block diagram illustrating a process of registering a prepaid card by a user using an internet network, and FIG. 7 is a block illustrating a process of registering a prepaid card by a user using a wireless internet network. The figure is shown.

First, referring to FIG. 1, the overall system configuration of the present invention will be described. A purchaser terminal 100 for ordering the production of a prepaid card and selling and giving the prepaid card to an unspecified number of persons, and a service provider registered using the prepaid card The user terminal 200 using the service of the service provider, the service provider server 300 to provide a service amount of the prepaid card to the user carrying the prepaid card, the purchaser terminal 100 and the user terminal 200 And relay server 400 for managing the issuance and registration of the prepaid card by relaying the service provider server 300 is connected to enable communication with each other via the communication network (500). Here, the communication network 500 includes a telephone network (PSTN), the Internet network, a wireless network, a dedicated line. In addition, the user terminal 200 includes a mobile communication terminal, a computer, a telephone, and the like. In addition, the service provider includes a wired service provider, a mobile communication service provider and an affiliated store affiliated with another relay server 400.

That is, the purchaser terminal 100 requests the purchase of the prepaid card through the online / offline to the relay server 400, and the relay server 400 prepares the prepaid card and provides it to the buyer in accordance with the received prepaid card production request. do. Thereafter, the purchaser distributes (sells or presents) the prepaid card to the user, and the user carrying the prepaid card accesses the relay server 400 through the communication network 500 using the user terminal 200 to relay the prepaid card. The registration request is requested by registering with the server 400. The relay server 400 compares the PIN input by the user terminal 200 with a pre-registered registration PIN to authenticate the corresponding prepaid card, and the service provider server 300 that the user requests the registration information transmitted from the user terminal 200. ), And receives the registration result returned from the service provider server 300 and notifies the registration result to the user terminal 200 according to the result. In addition, the user terminal 200 requests a service provided by the service provider server 300, and the service provider server 300 provides the service to the user terminal 200 as much as the balance of the prepaid card carried by the user.

Meanwhile, referring to FIG. 2, the configuration of the relay server 400 illustrated in FIG. 1 will be described in more detail. The purchaser terminal 100 and the user terminal 200 are respectively connected to the Internet network 501 and the firewall 401. The user terminal 200 is configured to be accessible to an enterprise resource planning (ERP) server 402 and a transaction server 406. The user terminal 200 also includes a telephone network (PSTN) 502 and a private automatic branch exchange (PABX). It is configured to be connectable to an IVR (Interactive Voice Response) server 404 via a private automatic exchange (403). In addition, the ERP server 402 in the relay server 400 is connected to communicate with the service provider server 300 through the firewall 401 and the leased line 503. Here, ERP is an industry term for a multi-module integrated application software package that helps manage key processors in manufacturing, purchasing, inventory, ordering, trading with suppliers, and providing customer service in a variety of business sectors, including manufacturing, and financial and human resources. Modules for resources are also included. In general, ERP systems are an integrated system based on a relational database. The construction of an ERP system includes business processor analysis, user retraining, and new work procedures. That is, the ERP server 402 in the present invention receives and manages a prepaid card purchase request from the purchaser terminal 100.

In addition, the relay server 400 may be a manager server 405 for overall management of the relay server 400, and the purchaser terminal 100 or the user terminal 200 when the purchaser terminal 100 or the user terminal 200 is a computer. In response to the registration request information received from the transaction server 406 to control the overall registration process of the prepaid card, and the user terminal 200 and the relay server 400 when the user terminal 200 is a mobile communication terminal The purchase of a prepaid card in the purchaser terminal 100 or the user terminal 200 when the wireless application protocol (WAP) server 407 interfaced with the purchaser terminal 100 or the user terminal 200 is a computer. Web server 408 providing files of various web page formats for request and registration of prepaid card, and various registration information inputted for registration of prepaid card in user terminal 200 are encrypted and relay server 4 00) and a proxy server 409 which encrypts the registration result information of the prepaid card and secures the relay server 400 when decrypting the encrypted registration information, and a PIN (Personal Identification Number) of the prepaid card: PIN server 410 for generating a personal identification number), DB for storing the PIN information generated by the PIN server 410, the order number generated by the purchase receipt of the buyer terminal 100 and the advertisement information registered by the buyer ( Database includes a server 411 and a backup server 412 for backing up various data generated by the relay server 400.

An operation of the present invention having such a configuration will be described below with reference to FIGS. 3 to 7.

<Prepaid Card Purchasing Process 1>

When the buyer orders the prepaid card offline to the relay server 400, the manager of the relay server 400 inputs the order information through the manager server 405, and thus the order information is sent to the ERP server 402. It is registered. In addition, when the buyer orders the prepaid card to the relay server 400 online using the purchaser terminal 100, the order information is registered in the ERP server 402 through the Internet network 501 and the firewall 401. do. In this case, the buyer may be a service provider or a general customer.

That is, when the purchaser terminal 100 accesses the web page of the relay server 400 to display a purchase intention, the web server 408 first downloads a purchase-related web page to the purchaser terminal 100 so that the purchaser is associated with the purchase. Ask to enter an item (A1 in FIG. 3). At this time, the item input from the purchaser terminal 100 includes the information of the buyer and the quantity of the prepaid card to purchase.

The ERP server 402 receives the purchase information transmitted from the purchaser terminal 100 (A2 of FIG. 3), and the prepaid card in the PIN server 410 as much as the quantity requested by the purchaser terminal 100 in response to the received purchase information. To issue a PIN to be used (A3 in FIG. 3). Thereafter, the ERP server 402 generates an order number of the purchaser terminal 100, generates the generated order number, issued PIN, advertisement information requested by the buyer (SMS information, voice information, image information, etc.), issue date and issue. The issued information combining the amount of money and the type of card is generated and registered in the DB server 411 (A4 in FIG. 3). Here, the advertisement information preferably includes voice information including the buyer's guide information automatically output from the IVR server 404 when the user registers the prepaid card, and SMS information and image information to be transmitted to the user terminal 200. Do.

In addition, the ERP server 402 backs up the publication information stored in the DB server 411 to the backup server 412 (A5 in FIG. 3), and produces a prepaid card with a PIN printed to the buyer (FIG. 3). A6).

<Prepaid Card Purchase Process 2>

First, a banner linked to a web page for issuing a prepaid card PIN of the relay server 400 is displayed on the web page of the service provider server 300. When the user connects to the service provider server 300 and requests the user to issue the PIN of the prepaid card by clicking the banner, the corresponding order information is registered in the ERP server 402 through the Internet network 501 and the firewall 401. do. In this case, the buyer may be the service provider server 300, a general customer, or the user himself.

That is, when the user accesses the web page of the relay server 400 through the banner displayed on the web page of the service provider server 300 and displays a purchase intention, the web server 408 first displays a purchase related web page on the user terminal ( Here, it downloads to the user's computer) 200 and requests the user to input items related to the purchase (A7 in FIG. 4). In this case, the item input from the user terminal 200 may include the user's information and the quantity of the prepaid card PIN to purchase.

The ERP server 402 receives the purchase information transmitted from the user terminal 200 (A8 in FIG. 4), and the prepaid card in the PIN server 410 as much as the quantity requested by the user terminal 200 in response to the received purchase information. To issue a PIN to be used (A9 in FIG. 4). Thereafter, the ERP server 402 generates an order number of the user terminal 100, generates an issued information in which the generated order number, issued PIN, issue date, issue amount, type of card, etc. are combined, and the DB server ( 411) (A10 of FIG. 4).

Also, the ERP server 402 backs up the publication information stored in the DB server 411 to the backup server 412 (A11 in FIG. 4), and downloads the PIN to the user terminal 200 so that the user can identify the PIN. (A12 in FIG. 4).

<Registration of Prepaid Cards Using Telephone Network>

As shown in FIG. 5, a user who receives a prepaid card from a buyer or a user who has downloaded a PIN through the user terminal 200 uses a prepaid card using a telephone network 502 in a user terminal (here, a telephone) 200. If you want to register the PIN, the user terminal 200 connects the call to the telephone number of the relay server 400, accordingly, the user terminal 200 via the telephone network 502 and PABX (403) IVR server 404 is connected. The IVR server 404 requests the user terminal 200 to input the PIN of the prepaid card carried by the user and the downloaded PIN using the pre-registered voice information, and the user uses the user terminal 200. Enter the PIN of the prepaid card (B1 of FIG. 5).

The PIN input from the user terminal 200 is transmitted to the transaction server 406 through the IVR server 404, and the transaction server 406 is registered with the DB server 411 and the PIN transmitted from the IVR server 404. The registration PIN is compared to verify whether the prepaid card or the PIN is a normal card or PIN (B2 of FIG. 5). Here, if the PIN transmitted from the IVR server 404 is the same as the PIN registered in the DB server 411, the transaction server 406 determines that the prepaid card is a normal card or that the PIN downloaded by the user is a normal PIN. Determining and detecting advertisement information (voice information) pre-registered by the buyer among the issued information registered in the DB server 411, the authentication result and the advertisement information (voice information) through the IVR server 404 through the user terminal 200 (B3 in Fig. 5). Here, when the user directly downloads the PIN to the user terminal 200, separate advertisement information may not be transmitted.

Thereafter, the IVR server 404 requests the user terminal 200 to input service request information (telephone number, member information of a paid site, etc.) including contents to receive the service (B4 of FIG. 5), and the user terminal. When the service request information is input from 200 (B5 of FIG. 5), the transaction server 406 generates registration request information including the issuance information of the prepaid card and the service request information input by the user, and the firewall 401. It transmits to the service provider server 300 via the dedicated line 503 (B6 of FIG. 5).

The service provider server 300 analyzes the service request information input by the user among the registration request information transmitted from the transaction server 406 in the relay server 400 to determine whether the user is entitled to use the service (the corresponding web). Check whether the user is a member of the site, whether the phone number entered is a normal number, etc.), and if the user's qualification is verified, the registration server stores the registration request information and generates registration information combining the registration request information and the error code. (B7 in Fig. 5). Here, the error code includes a code indicating that registration is normally completed or a code indicating why an error occurred. Accordingly, the transaction server 406 notifies the user terminal 200 of the registration result via the IVR server 404 (B8 in FIG. 5). Accordingly, the user can register the issuance amount of the prepaid card and use the corresponding service requested by the user as much as the registered issuance amount.

<Registration of Prepaid Cards Using the Internet Network>

As shown in FIG. 6, a user who has received a prepaid card from a purchaser or a user who has downloaded a PIN through the user terminal 200 prepaid using an internet network 501 in a user terminal (here, a computer) 200. When the card is to be registered, the user terminal 200 accesses the web page of the relay server 400. Accordingly, the user terminal 200 connects to the web server 408 via the Internet network 501 and the firewall 401. ) Is connected. The WEB server 408 downloads a pre-registered prepaid card registration web page to the user terminal 200 and requests the user terminal 200 to input a PIN of a prepaid card carried by the user or a PIN downloaded by the user. Inputs the PIN of the prepaid card using the user terminal 200 (C1 of FIG. 6).

The PIN input from the user terminal 200 is transmitted to the transaction server 406 through the firewall 401, and the transaction server 406 is registered in the DB server 411 and the PIN transmitted from the user terminal 200. The registration PIN is compared to verify whether the prepaid card is a normal card or a normal PIN (C2 of FIG. 6). Here, if the PIN transmitted from the user terminal 200 is the same as the registration PIN registered in the DB server 411, the transaction server 406 determines that the prepaid card is a normal card or is downloaded to the user terminal 200. It is determined that the PIN is a normal PIN, and the advertisement information (image information) previously registered by the purchaser is detected among the publication information registered in the DB server 411, and the authentication result and the advertisement information (image information) are detected through the firewall 401. It transmits to the user terminal 200 (C3 of Fig. 6). Here, when the user directly downloads the PIN to the user terminal 200, separate advertisement information may not be transmitted.

Thereafter, the WEB server 408 requests the user terminal 200 to input service request information (telephone number, member information of a paid site, etc.) including contents to receive the service (C4 of FIG. 6), and the user terminal. When the service request information is input from 200 (C5 of FIG. 6), the transaction server 406 generates registration request information including the issuance information of the prepaid card and the service request information input by the user, and the firewall 401. It transmits to the service provider server 300 via the dedicated line 503 (C6 of FIG. 6).

The service provider server 300 analyzes the service request information input by the user among the registration request information transmitted from the transaction server 406 in the relay server 400 to determine whether the user is entitled to use the service (the corresponding web). Check whether it is a member of the site, whether the phone number entered is a normal number, etc.), and if the user's qualification is verified, the registration server stores the registration request information and generates registration information combining the registration request information and the error code. (C7 of FIG. 6). Here, the error code includes a code indicating that registration is normally completed or a code indicating why an error occurred. Accordingly, the transaction server 406 notifies the user terminal 200 of the registration result via the firewall 401 (C8 in FIG. 6). Therefore, the user can register the issuance amount of the prepaid card and use the corresponding service requested by the user as much as the issuance amount previously registered.

<Registration of Prepaid Cards Using Wireless Internet Network>

As shown in FIG. 7, a user who has received a prepaid card from a buyer or a user who has downloaded a PIN from the user terminal 200 uses a prepaid card in a user terminal (herein, a mobile communication terminal) 200 using a wireless Internet network. Or, if you want to register the downloaded PIN, the user terminal 200 is connected to the relay server 400 via the base station and the WAP gateway, accordingly, the user terminal 200 is the Internet network 501 and the firewall 401 Is connected to the WAP server 407 via. The WAP server 407 downloads the pre-registered prepaid card and downloaded PIN data to the user terminal 200 and requests the user terminal 200 to input a PIN of the prepaid card carried by the user. The PIN of the prepaid card is input using the user terminal 200 (D1 of FIG. 7).

The PIN input from the user terminal 200 is encrypted according to a predetermined standard and transmitted to the WAP server 407 through the firewall 401, and the WAP server 407 transmits the PIN transmitted from the user terminal 200 to the proxy server. After decrypting and transmitting to 409 (D2 in FIG. 7), the decrypted PIN is transmitted to transaction server 406 (D3 in FIG. 7).

The transaction server 406 compares the decrypted PIN with the registration PIN previously registered in the DB server 411 to verify whether the prepaid card is a normal card or to verify whether the downloaded PIN is a normal PIN. Here, if the PIN transmitted from the user terminal 200 is the same as the registration PIN registered in the DB server 411, the transaction server 406 determines that the prepaid card is a normal card or the downloaded PIN is a normal PIN. In addition, the advertisement information (image information) previously registered by the purchaser is detected among the publication information registered in the DB server 411, and the authentication result and the advertisement information (image information) are detected by the WAP server 407, the firewall 401, and the Internet. Transmission to the user terminal 200 via the network 501 (D4 of FIG. 7). Here, when the user directly downloads the PIN to the user terminal 200, separate advertisement information may not be transmitted.

Thereafter, the WAP server 407 requests the user terminal 200 to input service request information (telephone number, member information of a paid site, etc.) including contents to receive a service (D5 of FIG. 7), and the user terminal. When the service request information is input from 200 (D6 of FIG. 7), the transaction server 406 generates registration request information including the issuance information of the prepaid card and the service request information input by the user, and the firewall 401. It transmits to the service provider server 300 via the dedicated line 503 (D7 of FIG. 7).

The service provider server 300 analyzes the service request information input by the user among the registration request information transmitted from the transaction server 406 in the relay server 400 to determine whether the user is entitled to use the service (the corresponding service). Check whether it is a subscriber, whether the service is available, whether the phone number entered is a normal number, etc.). If the user's qualification is verified, the registration request information is saved and registration information combining the registration request information and the error code is generated. To the relay server 400 (D8 in FIG. 7). Here, the error code includes a code indicating that registration is normally completed or a code indicating why an error occurred. Accordingly, the transaction server 406 transmits the registration information to the WAP server 407 (D9 in FIG. 7), and the WAP server 407 transmits and encrypts the registration information to the proxy server 409 (FIG. 7). D10), the encrypted registration result information is notified to the user terminal 200 through the firewall 401 and the internet network 501 (D11 in FIG. 7). Therefore, the user can register the issuance amount of the prepaid card and use the corresponding service requested by the user as much as the issuance amount previously registered.

In this case, when the user directly downloads the PIN through the user terminal 200, the user pays the cost for purchasing the PIN of the prepaid card to the service provider server 300 currently connected to the user, and the relay server 400 and the service. The provider server 300 may be settled in advance or in advance.

In addition, the service provider server 300 associated with the relay server 400 requests the relay server 400 to charge the points accumulated by the user with the amount of the prepaid card, and the relay server 400 receives the request. In order to verify the validity of the prepaid card PIN, the user who is justified is recharged by adding the amount of points converted from the amount accumulated in the prepaid card or PIN issued to the user. Therefore, the user can receive various services using the prepaid card by using his earned points, thereby widening the range in which the user can receive the service.

Meanwhile, although the communication network 500 connected between the relay server 400 and the service provider server 300 is limited to the dedicated line 503, the Internet server 501 or the telephone network 502 is designed to be modified. It can be obvious. In addition, the communication network 500 connected between the relay server 400 and the user terminal 200 is limited to the Internet network 501 or the telephone network 502, respectively. However, according to technical modifications, the dedicated line 503 or other communication networks are described. It is obvious that it can be designed by transforming it. In addition, the telephone network 502 connected between the relay server 400 and the user terminal 200 may be designed to be transformed into other communication networks.

As described above, in the detailed description of the present invention, specific embodiments have been described. However, various modifications may be made without departing from the scope of the present invention. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be defined not only by the claims below but also by the equivalents of the claims.

As a result, according to the prepaid card service operating system and method according to the present invention the following advantages occur.

In other words, the user carrying the prepaid card requests registration of the prepaid card to the relay server, and the relay server registers the service of the service provider server that the user requests according to the user's request to use the amount of the prepaid card issued. Even if the card is lost or stolen, the user can be provided with the service through the pre-registered card.

In addition, by managing the issuance of the prepaid card required by the buyer and the user to register the prepaid card in different service provider servers, the service provider server's work by the user directly register the prepaid card in each service provider server By eliminating heavy loads, the prepaid card system improves operational efficiency.

In addition, the user accesses the service provider server to which the service is to be provided and clicks the banner displayed on the web page of the service provider server, where the user directly accesses the relay server linked to the banner to directly download and register the PIN of the prepaid card. By using this method, not only the cost required for the production and distribution of the prepaid card can be reduced, but also the time delay caused by the distribution of the prepaid card can be eliminated, so that the prepaid card (here, PIN) can be distributed more quickly.

In addition, in the process of registering the prepaid card, the user displays advertisement information such as SMS information, voice information, and image information, which is pre-registered in the user terminal, thereby improving the advertisement effect to the buyer.

In addition, the service provider server associated with the relay server requests the relay server to charge the points accumulated by the user with the amount of the prepaid card, and the relay server receives the request and, in the case of an authenticated user, is issued to the user. By recharging by adding the amount of recharged points converted from the amount accumulated in the prepaid card or PIN, the user can receive various services using the prepaid card by using his / her accumulated points, which allows the user to receive the service. The range that there is is widened.

Claims (19)

A relay server for issuing a prepaid card including the issued amount and PIN information; A purchaser terminal requesting the purchase of the prepaid card, generating advertisement information, and providing the advertisement information to the relay server; A user terminal for registering the prepaid card by a user carrying the prepaid card; And A service provider server for providing the service requested by the user of the prepaid card to the user as much as the issued amount of the prepaid card so as to communicate with each other through a communication network; The relay server generates and registers issuance information including an order number and a PIN of a prepaid card as the quantity requested by the purchaser terminal and generates a prepaid card including the registered issuance information; When the user carrying the prepaid card requests registration of the prepaid card using the user terminal, the prepaid card is authenticated by comparing the PIN input from the user terminal with the registered registration PIN, and the user terminal. Access to the service provider server according to the service request information input from the user and authenticate the legitimacy of the corresponding user, notify whether the prepaid card is registered according to the authentication result of the service provider server, and purchase information transmitted from the purchaser terminal. And register the advertisement information transmitted from the purchaser terminal, and transmit the registered advertisement information to the user terminal according to a registration request of the user terminal. delete The method of claim 1, wherein the user terminal, Telephones accessible through a telephone network; A computer accessible via an internet network; And A prepaid card service operating system comprising at least one of a mobile communication terminal accessible through a wireless Internet network. The method of claim 1, wherein the service provider server, A prepaid card service operating system comprising at least one of a mobile operator server and a paid site operator server. delete The method of claim 1, wherein the advertisement information, Voice information provided when the user terminal is a telephone; Image information provided when the user terminal is a computer; And Prepaid card service operating system comprising at least one or more of the SMS information provided when the user terminal is a mobile communication terminal. The method of claim 1, wherein the communication network, A prepaid card service operating system including at least one of a telephone network, an internet network, and a dedicated line. The method of claim 3, wherein the relay server, An IVR server responsive to the user terminal connected through a telephone network and providing voice information related to registration of the prepaid card to the user terminal; A transaction server controlling overall registration process of a prepaid card in response to at least one of the purchaser terminal and the user terminal connected through an internet network; A web server for providing purchase related and prepaid card registration related web pages to at least one of the purchaser terminal and the user terminal connected to the relay server; A WAP server responsive to the user terminal connected through a wireless Internet network and transmitting data for registration of the prepaid card to the user terminal; PIN server for generating a PIN of the prepaid card; A DB server for one-to-one matching between the PIN generated by the PIN server, the order number corresponding to the purchase request information received by the buyer terminal, and the advertisement information transmitted from the buyer terminal; And Prepaid card service operating system comprising an ERP server for controlling the overall purchase process of at least one of the buyer terminal or the user terminal. The method of claim 8, wherein the relay server, And a firewall that protects the relay server from accessors connecting to the relay server through the leased line and the internet network. The method of claim 8, wherein the relay server, The various registration information input for registration of the prepaid card in the user terminal is encrypted and the encrypted registration information is decrypted when transmitted to the relay server, and at the same time, the registration result information of the prepaid card is encrypted, and the security of the relay server is secured. Prepaid card service operating system further comprising a proxy server in charge of. The method of claim 8, wherein the relay server, Prepaid card service operating system further comprising a backup server for backing up various data generated in the relay server. A relay server for issuing a prepaid card including an issuance amount and PIN information, a purchaser terminal requesting the purchase of the prepaid card, a user terminal for registering the prepaid card by a user carrying the prepaid card, and the prepaid card A method of operating a prepaid card service using a system in which a service provider server that provides a service requested by a user of a card to a user by the amount of money of the prepaid card is connected to each other via a communication network: The buyer terminal generates and registers issuance information including an order number and a PIN of a prepaid card as the quantity requested by the purchaser, generates a prepaid card including registered issuance information, and adds the purchaser to the purchase information transmitted from the buyer terminal. Registering the advertisement information transmitted from the terminal; When the user carrying the prepaid card requests registration of the prepaid card using the user terminal, the prepaid card is authenticated by comparing the registered PIN with the PIN inputted from the user terminal, and the registered Transmitting advertisement information to the user terminal; And A prepaid card including accessing the service provider server according to the service request information input from the user terminal and authenticating the validity of the corresponding user, and notifying whether the prepaid card is registered according to the authentication result of the service provider server. How the Service Works. delete The method of claim 12, wherein the user terminal, Telephones accessible through a telephone network; A computer accessible via an internet network; And A prepaid card service operating method comprising at least one of a mobile communication terminal connectable through a wireless Internet network. The method of claim 12, wherein the service provider server, A prepaid card service operating method comprising at least one of a mobile operator server and a paid site operator server. delete The method of claim 12, wherein the advertisement information, Voice information provided when the user terminal is a telephone; Image information provided when the user terminal is a computer; And Prepaid card service operating method comprising at least one of the SMS information provided when the user terminal is a mobile communication terminal. The method of claim 12, wherein the communication network, A prepaid card service operating method comprising at least one of a telephone network, an internet network, and a dedicated line. The method of claim 12, Requesting a user terminal to convert the user's points accumulated in the service provider server into a charge of the prepaid card; Sending, by the service provider server, the requested point change request to the relay server to request validity authentication of a PIN held by the user; And If the legitimacy is verified, the relay server further comprises the step of recharging by adding the recharge amount requested by the service provider server from the accumulated amount of the PIN.

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