METHOD FOR CHARGING AN LSAM(LOAD SECURE APPLICATION MODULE) USING CREDIT INFORMATION, PARTICULARLY FOR CHARGING A PREPAID CARD OR A TRAFFIC CARD EVEN THOUGH A REMAINING MONEY DOES NOT EXIST IN AN LSAM

摘要

PURPOSE: A method for loading an LSAM(Load Secure Application Module) using credit information is provided to charge an LSAM by using the credit information of a credit institute even through there is no remaining money in the LSAM.;CONSTITUTION: The charging money for a prepaid card or traffic card of a certain user is requested. If the balance of the certain user which is short of the amount of money is requested, the transferring for the short amount of money is requested. A bank analyzes the balance of a bank account of a certain user. If the balance is smaller than the requested amount of money, it is checked how much money is available for credit use. If the balance is larger than the requested amount of money, the requested money is transferred to an electronic cash company.;COPYRIGHT KIPO 2011