公开(公告)号：US07864933B2

公开(公告)日：2011-01-04

申请号：US11483922

申请日：2006-07-10

申请人： Chang Wan Ryoo

发明人： Chang Wan Ryoo

IPC分类号： H04M15/00 ,  H04M11/00 ,  G06K5/00 ,  G07F19/00 ,  G06Q40/00

CPC分类号： H04M17/00 ,  G06Q10/06 ,  G06Q20/20 ,  G06Q20/341 ,  G06Q20/354 ,  G06Q20/355 ,  G06Q30/0238 ,  G07F7/1008 ,  G07F7/1025 ,  H04M17/103 ,  H04M17/20 ,  H04M2017/12

摘要： A prepaid card management method and system which can comprehensively manage an issuance of personal identification numbers (PINs) of various affiliated prepaid card companies and even when each generation system of each PIN is different for each affiliated prepaid card company, can adaptably issue the PIN. A prepaid card management method and system according to the present invention can adaptably issue PINs of prepaid cards of various affiliated prepaid card companies by including an operation system to comprehensively manage a plurality of PIN issue systems.

摘要翻译： 能够全面管理各种附属预付卡公司的个人识别码（PIN）的发行的预付卡管理方法和系统，即使每个附属预付卡公司的每个PIN的每一代系统不同，也可以适应性地发行PIN。 根据本发明的预付费卡管理方法和系统可以通过包括操作系统来适应性地发行各种附属预付卡公司的预付卡的PIN，以全面管理多个PIN发行系统。

公开(公告)号：US06793135B1

公开(公告)日：2004-09-21

申请号：US09806481

申请日：2001-04-12

申请人： Chang Wan Ryoo

发明人： Chang Wan Ryoo

IPC分类号： G06K1500

CPC分类号： G06Q20/02 ,  G06Q20/04 ,  G06Q20/108 ,  G06Q20/12 ,  G06Q20/28 ,  G06Q20/3678 ,  G06Q20/382 ,  G06Q20/4012

摘要： There are provided an electronic payment system using a multifunctional prepaid card which is commonly used in payment for use of services and purchase of goods, and a method of selling the multifunctional prepaid card. The electronic payment system includes a multifunctional prepaid card having a predetermined Personal Identification Number (PIN), shopping/service providing means for providing services and goods to a user of the multifunctional prepaid card and requesting the PIN of the multifunctional prepaid card for payment, and a prepaid card management system for managing state/balance information for PIN for the multifunctional prepaid card on a database, making a settlement by referring to the balance amount of the corresponding PIN if payment for a specific PIN is requested by the shopping/service providing means, and updating the settlement result on the database. Thus, according to the electronic payment system, a single multifunctional prepaid card can be comprehensively used in payment for use of various services and for purchases of goods.

摘要翻译： 提供了一种使用多功能预付卡的电子支付系统，一种常用于支付使用服务和购买商品的电子支付系统，以及一种销售多功能预付卡的方法。 电子支付系统包括具有预定个人识别码（PIN）的多功能预付卡，用于向多功能预付卡的用户提供服务和商品的购物/服务提供装置，并请求多功能预付卡的PIN用于支付，以及 用于管理数据库上的多功能预付卡的PIN的状态/余额信息的预付卡管理系统，通过购物/服务提供装置请求了特定PIN的支付，通过参考相应的PIN的余额来进行结算 ，并更新数据库上的结算结果。 因此，根据电子支付系统，可以全面地使用单个多功能预付卡来支付各种服务和购买商品的使用。