KR101124592B1 - Server for accumulating the change and Method for using accumulated change - Google Patents

Abstract

After receiving the cash changes generated during off-line transactions without cash, a method of using the same is presented. According to the present invention, when using the accumulated change, the first authentication is performed without requiring any personal information other than a mobile phone number and a subscription password, and randomly extracts words from two or more word databases to create a sentence-type password. After performing the second authentication of the user to enable the use of payment or remittance.

Description

Server for accumulating the change and method for using accumulated change}

The present invention relates to a change earning and using server and a method for allowing the use of the accumulated change after earning a change returned in a small cash transaction of the present invention without receiving cash such as a coin.

The present invention relates to a method for using this after accumulating the balance remaining in the commerce using cash offline in the earning server instead of cash.

The method of accumulating and using the online earning method without receiving cash change returned during off-line cash transactions has been disclosed in various prior patent applications.

In the online earning method of the change and the use of the reserves disclosed in Korean Unexamined Patent Publication No. 10-2009-0059348, the face value of the change and the phone number of the individual member to be accumulated are entered into the terminal of the store of the transaction instead of returning the change. It is disclosed that the transfer to the server, the earning server checks the transmitted phone number and face value, and additionally update the face value transferred to the reserves stored for each member DB.

In addition, in the case of using the accumulated change, a method of deducting from the accumulated change has been disclosed after confirming the use rights of individual members who have undergone electronic commerce in general electronic commerce.

The conventional method of earning and using change (or change), including the techniques described above, only superficially explains the theoretical description of earning and using change online.

That is, the conventional technology does not specifically describe how to verify the identity of the individual member when the change is accumulated or used in the change server, and does not recognize the problem of security.

In addition, the method of using the accumulated coins has been conventionally used only for online commerce such as mobile communication fees such as e-commerce or mobile phones.

This is because in the case of online commerce, the user checks the user's identity to some extent because the user makes a payment while logged in or logged on to an affiliated store, so personal authentication is more convenient than offline commerce.

Therefore, a safer method of accumulating change and using the method are required.

An object of the present invention is to provide a change earning system that can securely change and use the change through a more reliable personal authentication. In addition, another object of the present invention is to provide a change accumulation system that can provide a more various use method.

In order to achieve the object of the present invention as described above, according to a feature of the present invention, a change earning server for providing a change earning service for earning the change generated during offline commerce without a coin and using it later, A member information database unit for storing and managing personal member subscription and offline and online merchant member information for use in the change accumulation service; Change accumulation database for managing the accumulated change of the individual member database unit; A primary authentication unit performing primary authentication of the individual member based on personal information transmitted from an offline store terminal or an online site server that cooperates with the change accumulation service; A sentence type OTP generating unit for generating a sentence type OTP (one time password) by extracting one word from each of two or more word databases and combining them; A sentence type OTP authentication unit for performing second authentication of the individual member by comparing the sentence type OTP received from the personal member with the sentence type OTP generated by the sentence type OTP generating unit; After the certification of the individual member is completed, the change of the accumulated change, the settlement of the accumulated change, the transfer between the individual and donation amount is settled according to the request of the individual member, and the result is instructed to update the result in the change accumulation database part. A settlement processing unit; And a communication unit for transmitting the SMS to a mobile communication company for transmitting the data and the SMS between the terminal of the personal member, the terminal of the offline merchant or the server of the online merchant and the earning server, to the terminal of the personal member. .

According to another feature of the present invention, the accumulated change using method after receiving the change generated during offline commerce in the change earning server without receiving coins as a coin, instructs the payment method from the affiliated merchant to pay the earned change Receiving and requesting input of personal information of an individual member; Performing first authentication of the individual member by comparing the personal information transmitted from the affiliated merchant through the input of the personal member with the personal information previously stored in the change accumulation server; When the first authentication is completed, generating a sentence type one time password (OTP) by extracting one word from each of the two or more word databases and combining them; Transmitting the generated sentence type OTP to a mobile phone terminal of the personal member; Performing second authentication of the personal member by comparing the sentence type OTP received from the personal member with the generated sentence type OTP; And when the second authentication is completed, the purchase of the goods of the personal member is processed with the accumulated change, and reducing the amount of payment from the accumulated change of the personal member to renew the accumulated change.

According to another feature of the present invention, the accumulated change using method after using the earned change after earning it on the change earning server without receiving the change generated during offline commerce as a coin, the portion of the change earned by the individual member from the individual member Instructing to send money to another individual member and requesting input of personal information of the individual member; Authenticating the personal member by comparing the personal information transmitted through the input of the personal member with personal information previously stored in the change accumulation server; Requesting the individual member to generate a transaction password for personal transaction confirmation; SMS transmission of the transaction password received from the personal member's terminal to a recipient's terminal; Receiving the personal information and the transaction password from a remittee and comparing the personal information previously stored in the change accumulation server with the transaction password generated by the remitted individual member to perform first verification of the recipient; And when the first authentication is completed, subtracting the amount of the remittance from the accumulated amount of the individual member of the remittance, and updating the accumulated change by increasing or decreasing the amount of the remittance to the amount of the remittee remaining amount. .

According to another feature of the present invention, the earned change using method after using the earned change after earning it on the change earning server without receiving the change generated during offline commerce as a coin, is requested to donate the change earned from the individual member subscribed step; Performing first authentication of the individual member by comparing the personal information received from the personal member with the personal information previously stored in the change accumulation server; When the first authentication is completed, generating a sentence type one time password (OTP) by extracting one word from each of the two or more word databases and combining them; Transmitting the generated sentence type OTP to a mobile phone terminal of the personal member; Performing second authentication of the personal member by comparing the sentence type OTP received from the personal member with the generated sentence type OTP; And renewing by reducing the amount of donation from the accumulated change of the individual member when the second authentication is completed, and transferring the donation amount to an account of the group designated by the individual member or accumulating on the donation accumulation server.

The method of accumulating and using change according to the present invention, there is no risk of personal information leakage because there is no personal information or payment information input other than the ID (or personal mobile number) / PW of the earning site, and by performing a second authentication with a sentence type password It is also possible to prevent theft by others.

1 is a schematic diagram of a change accumulation and use system according to the present invention.
2 is a flowchart illustrating a procedure of a method for accumulating change according to the present invention.
3 is a flow diagram schematically illustrating one embodiment of a method of using accumulated change.
4 is a schematic diagram illustrating sentence type password authentication.
5 is a flow chart schematically showing another embodiment of the method of using the accumulated change.
6 is a flowchart illustrating a method of cashing back accumulated credits as gift certificates or cash.

In order to fully understand the present invention, the advantages of the operability of the present invention, and the objects achieved by the practice of the present invention, reference should be made to the accompanying drawings which illustrate preferred embodiments of the present invention and the contents described in the accompanying drawings.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. Like reference numerals in the drawings denote like elements.

If you make a payment online, you do not make cash payments, and even if you make a transfer, change does not occur. In addition, even in offline transactions, even if you pay by credit card or debit card, you pay only the exact amount, so no change occurs. However, if you make a cash payment, change is quite common. Also, if the amount of change is not large, or if the change includes less than 1,000 won, it will inevitably be returned as a coin. Coins are also inconvenient to carry if you keep them in your pocket, and you have to pay them by counting them one by one to use them in future commerce.

If you do not receive these changes (coins) as a coin and can be used in a separate earning server and can be used later, it is possible to prevent problems such as inconvenience or loss of carrying coins.

1 is a schematic diagram of a change accumulation and use system according to the present invention.

Referring to Figure 1, the change earning and using system according to the present invention, earning server 100, affiliated offline shop terminal 200, affiliated online site server 300, unmanned change in the donation box 400 and individual subscription members It consists of a terminal 500.

The earning server 100 manages the accumulated change, the member authentication and settlement processing when using the earned money (earned change), the affiliated offline store terminal 200 is affiliated shops subscribed to the change earning service of the present invention The terminal for earning change, payment, etc. This terminal can be used as a separate standalone terminal, can be used by installing a program on a PC or through a web connection. It is also possible to use an existing terminal for payment by credit card. The affiliate online site server 300 is a server of an online affiliate site using the change accumulation service of the present invention. Unmanned change donation box (400), if the user who receives the change and wants to donate immediately without earning the change, enter their mobile number, etc., put in the earning box to change the donation to the outside groups later offline Collecting unmanned earning box. Subscription member personal terminal 500 is generally a mobile phone is used to perform the function of receiving SMS texts sent from the earning server (100).

The earning server 100 is affiliated site and affiliated store information DB unit 101, member personal information DB unit 102, change amount DB unit 103, donation accumulation DB unit 104, personal information primary authentication unit (105) ), A sentence type OTP generation unit 106, a communication unit 107, a sentence type OTP authentication unit 108, a transaction encryption authentication unit 109, a random number authentication unit 110, and a settlement processing unit 111.

The affiliated site and affiliated store information DB unit 101 stores information of online / offline affiliated stores that have subscribed to the change service, and the member personal information DB unit 102 stores personal information of individual members. The change reserve DB unit 103 stores the change accumulation information related to the change amount and the accumulated place for each individual member in the affiliated site and the merchant information DB unit 101 and the member personal information DB unit 102, and the settlement processing unit According to the result of the processing in (111), the change amount of change is increased or decreased. Donation accumulation DB unit 104 when the user makes a donation request without specifying a specific donation group, and functions to transfer the donation of the reserves in the change reserve DB unit 103 to store. The personal information primary authentication unit 105 receives personal information such as an ID or a personal mobile phone number and a password from an offline store terminal 200 or an online site server 300 to perform personal authentication. The sentence type one time password (OTP) generating unit 106 generates a sentence type OTP by randomly extracting words from one or more word databases, for example, an adjective DB and a noun DB, and joins the member personal terminal 106. It is a function to transmit. The communication unit 107 is an affiliated offline store terminal 200, an affiliated online site server 300, an unmanned change donation storage box 400, a wired or wireless communication between the subscription member personal terminal 500 and the earning server 100, And it performs an SMS delivery instruction function through the mobile carrier. The sentence type OTP authenticator 108 compares the sentence type OTP generated by the user with the sentence type OTP and performs a second authentication of the member. The transaction password authentication unit 109 compares the transaction password generated by the sender with the transaction password entered by the payee when the user transfers the personalized money to perform the function of confirming receipt of the payment. The random number authentication unit 110 receives a number of a specific matrix from a random number table provided in advance to a user and performs a personal authentication based on this. The settlement processing unit 111 performs a function requested by the user after completing personal authentication, that is, a function of earning a balance, making a payment for money, remitting money, donating, etc., and transmitting the result to the corresponding terminal, the change reserve DB (103) or Function to deliver to the donation accumulation DB (104).

2 is a flowchart illustrating a procedure of a method for accumulating change according to the present invention.

Referring to FIG. 2, the method of accumulating change goes through a step of making a payment in cash (S201) when purchasing a product or service in an offline manner. Then change (ie change) occurs due to cash payment (S202). At this time, if the change earning member is a product buyer, the buyer may request to change the change without receiving the change in cash (S203). In this case, the buyer presents his mobile phone number or earning card to the merchant to confirm that he is a member of the change earning service (S204). Then, the merchant enters the mobile phone number of the buyer who wants to change the change through the change earning terminal or transfers the information of the buyer and the change reserve using the earning card to the change earning server (S205). In this case, the change accumulation terminal may be a separate independent terminal or may use a previous card payment terminal or a terminal for checking a cash receipt. Then, the change earning server checks the transferred buyer's information, and if the earning member is authenticated, the change is accumulated for each DB of the authenticated member (S206).

When the change accumulation order according to the present invention in detail through an embodiment as follows. First, if the buyer pays 5000 won for a product whose price is 4300 won, a change of 700 won is generated. If the buyer wants to accumulate the change of 700 won without returning the coin, he requests the seller to make the change. The seller requests a mobile phone number or a credit card to authenticate the buyer's change earning service membership, and transmits the change to the earning server through the card earning terminal together with the change amount to accumulate the mobile number or the credit card information. The earning server retrieves the transferred personal information from the member DB to verify whether the member is a member, and if authenticated as a member, accumulate the change in the member's earning DB. The result is then passed on to the seller. The seller delivers the change accumulation result to the buyer through a receipt.

At the same time, the buyer may apply for a cash receipt, and at the same time, the buyer may request a change of credit at the same time. In addition, the mobile phone number provided for membership verification can be used at the same time for cash receipts and change of credit, and the earning card for checking the membership of the change earning service may use a card issued separately for earning change, and receive cash receipts. You could use a cash receipt card or a regular credit card number issued by the IRS.

On the other hand, the seller needs to be a change earning affiliates affiliated with the change of the whole service, and the buyer also needs to register as a member to the change earning service. Of course, membership can also be registered via the Internet, or affiliated merchants can be registered through the terminal. On the other hand, by providing only the mobile number before joining the change earning service in the affiliated offline stores, you can make the change change and use the accumulated change by joining the earning server site in the future use. In this case, the affiliated offline store may provide a credit card or a barcode for earning credit for the user who first earns the change. Since such a member registration method can use a known technology, a detailed description thereof will be omitted.

3 is a flow diagram schematically illustrating one embodiment of a method of using accumulated change.

One embodiment of the method of using the accumulated change according to the present invention is applied to the purchase of the paid product using the ID, password and password transmitted by SMS in the affiliated site.

In the embodiment of FIG. 3, the change earned through the change earning service uses the earned money (ie, the accumulated balance) instead of credit card, wire transfer, or mobile phone micropayment when purchasing products online at an affiliate site. Can be. The method of using the earned money is similar to the method of payment using points such as credit cards.

However, there is a difference that the second authentication is made through a sentence type password in the method of using the earned money according to the present invention.

Referring to FIG. 3, when a member subscriber of the change earning service makes a purchase of a product at an affiliate site of the change earning service, the earning money is selected as a payment method (S301). Affiliate site presents the buyer's ID and password input field for the first authentication, the buyer enters his change credit service ID and password (S302). In this case, the input ID may be a site ID required when subscribing to the change service, or may be a social security number or a mobile number. Then, the affiliated site transmits the personal information such as the ID and password entered to the change accumulation server and performs the first authentication of the registered member. When the first authentication is completed, the change accumulation server transmits the sentence type password to the mobile phone of the buyer (user) in the SMS form (S303). The buyer inputs the sentence form cipher text transmitted to the SMS in the sentence cipher input field of the affiliate site (S304). The change accumulation server receiving the input sentence type password performs the second authentication of the registered member based on this, and when the second authentication is completed, the settlement of the affiliated site is performed by subtracting the accumulated change (S305).

4 is a schematic diagram illustrating sentence type password authentication.

Sentence-type password is randomly extracted words from two or more word DBs within OTP (One time password) generation section, then synthesizes the extracted words to create a sentence-type password, and sends the SMS to the mobile phone. It is a password type that undergoes mobile phone ownership authentication by entering a sentence type password on the screen.

The illustrated embodiment of FIG. 4 illustrates a method of generating a sentence type password, in which a sentence is made of two words to be settled for the purchase price of a product at an affiliate site.

First, when a user selects to earn a payment method when purchasing a product on an affiliate site, the affiliate site exemplifies the user's mobile phone number as an example of input of personal information in FIG. 4 for the user's first authentication. ID and social security number can also be used) and the password is input to the earning server and performs the first authentication. Then, when the first authentication is completed in the earning server, randomly extract words from the internal word DBs to generate a sentence type password. In the embodiment of Figure 4 has an adjective DB and noun DB in the earning server and randomly extracts one adjective and one noun from the two groups and generates a sentence of two words (for example, wide koala, bored chair, etc.), the user Send SMS to your phone. The user checks the SMS sent to his mobile phone, enters a sentence type password in the password input field, and the earning server receives the second authentication.

5 is a flow chart schematically showing another embodiment of the method of using the accumulated change.

5 illustrates a method of transferring a part of the accumulated money (change) to another member (third party) subscribed to the earning server. Referring to FIG. 5, after the user logs in to the change earning server for remittance (S501), the remittee information (refer to the receiver's mobile number in the embodiment of FIG. 6, but the recipient's information is the member ID of the payee). Etc. may be used), a remittance amount, and a transaction code written by the user himself (it may be a sentence type code such as 'bored chair', a single word such as 'koala' as shown in FIG. 5, or simply a combination of numbers). Remittance information, or the like (S502).

At this time, the transaction code created by the user can be delivered to the payee personally via SMS or telephone, or when the transfer server sends the remittance SMS to the payee mobile phone. And the earning server transmits the remittance details and transaction password, etc. to the recipient's mobile phone (S503).

The remittee then accesses the change earning site, completes the receipt by entering personal information (your mobile number, social security number, etc.), authentication number, and the transaction code (mutual sentence transaction code) received from the remitter or the earning server. (S504). In this case, the authentication number is an authentication number consisting of a series of numbers that are transferred from the change accumulation server to the recipient's mobile phone or selected by selecting a specific row number from the SMS random number table.

6 is a flowchart illustrating a method of cashing back accumulated credits as gift certificates or cash.

In another embodiment of the method for using change earning according to the present invention, when the amount accumulated in the change earning server becomes a predetermined amount or more (10,000 won or more in the example of FIG. 6), the user may purchase a gift certificate or You can get the change back in cash.

Referring to FIG. 6, when the accumulated change becomes more than 10,000 won (S601), the user may request a cash back from an affiliated offline store (S602). The offline store then requests the cashback to the earning server by entering the personal information of the member in the terminal. The earning server then delivers the sentence type password or SMS random number to the user's mobile terminal. The user enters the authentication number selected from the letter-type password or random number sent from the earning server to the terminal through the received SMS. The earning server, which has received this, performs the second authentication of the owning server (S603), limits the amount of money from the permission of the cashback and the user's earning money, and then transfers the result to the terminal of the offline store. Then, the user receives a certain amount of change accumulated in the offline store as cash or gift certificate (S604).

For on-line authentication method through random number, Korean Patent Application No. It is described in detail in 10-2007-0024395, and a detailed description thereof will be omitted.

On the other hand, Figure 6 describes the transfer of money between individuals, but the accumulated change may be transferred by a method of donating to a specific group. For example, a user may log in to the earning server site and donate a certain amount to a group that wants to donate. Of course, if the user does not refer to a specific group and requests a certain amount of donation, the accumulated amount may be used as a donation reserve part of the earning server. Donations accumulated by the donation reserve department will be delivered to the group determined by the accumulation server.

In addition, after accumulating the change generated when the change occurs offline on the earning server, you can reveal the willingness to donate about the change occurred when the change occurs in the offline store without logging in to the earning site. Then, the affiliated offline store may make a donation by referring to a specific group through a terminal or directly to a donation storage unit in a donation server without selecting a specific group. In addition, it may be able to donate the established change through the unmanned coin storage box connected to the change accumulation server.

In the case of interpersonal micropayment (acquaintance transfer) services with cell phone numbers (accounts), they are now active in countries such as the United States, Southeast Asia, and Africa. In Korea, however, due to the high fees of account repayment methods, which are difficult to propose reasonable fees between banks and mobile carriers, and the remittance between individuals, and the lack of easy recharging methods, the payment of services between individuals is not possible, even though it is an internet powerhouse. And open markets where individuals like American eBay are selling goods are not active.

Therefore, the Applicant recognizes the necessity of earning coins offline and suggests a method for easily earning offline so that they can easily fill an account that can be used for small money transfers. Allow it to be lowered to a reasonable level. The reason for this is that in the case of payment methods that have attempted remittance between individuals, the method of remitting the account to the other person after charging the account through the Internet by credit card or bank transfer requires an accredited certificate, etc. Activation failed. In addition, the method of charging an account through a book voucher or a small amount of mobile phone payment failed because the payment service fee is 6% to 9%, and the user has to charge 6% to 9% + α.

Online payment In addition, credit card or bank transfer requires too many payment information values including important personal information, and online payment of cultural gift certificates or prepaid cards only requires a unique number on the gift certificate or an ID after signing up on the gift certificate site. If you enter / PW only, payment is possible immediately, making it easy for others to steal.

However, there is no risk of personal information leakage because there is no personal information or payment information input other than ID (or personal mobile number) / PW of the earning site, and the method of using the accumulated amount according to the present invention, and the second authentication by sentence type password The roughness also has the effect of preventing theft by others.

Although the present invention has been described with reference to one embodiment shown in the drawings, this is merely exemplary, and those skilled in the art will understand that various modifications and equivalent other embodiments are possible therefrom. . Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

100: earn server 101: affiliate site and merchant information DB section
102: DB member personal information 103: DB change change DB
104: DB contribution donation 105: Personal information primary certification
106: sentence type OTP generating unit 107: communication unit
108: sentence type OTP authentication unit 109: transaction password authentication unit
110: random number authentication unit 111: settlement processing unit
200: affiliate offline store terminal 300: affiliate online site server
400: Earned unmanned change donation 500: Sign-up member personal terminal

Claims (15)

In the change earning server for providing a change earning service for earning the change that occurs during offline commerce without a coin and use it later,
A member information database unit for storing and managing personal member subscription and offline and online merchant member information for use in the change accumulation service;
Change accumulation database for managing the accumulated change of the individual member database unit;
A primary authentication unit performing primary authentication of the individual member based on personal information transmitted from an offline store terminal or an online site server that cooperates with the change accumulation service;
A sentence type OTP generating unit for generating a sentence type OTP (one time password) by extracting one word from each of two or more word databases and combining them;
A sentence type OTP authentication unit for performing second authentication of the individual member by comparing the sentence type OTP received from the personal member with the sentence type OTP generated by the sentence type OTP generating unit;
After the certification of the individual member is completed, the change of the accumulated change, the settlement of the accumulated change, the transfer between the individual and donation amount is settled according to the request of the individual member, and the result is instructed to update the result in the change accumulation database part. A settlement processing unit;
A communication unit for transmitting the SMS to a mobile communication company for transmitting the data and the SMS between the terminal of the personal member, the terminal of the offline merchant, or the server of the online merchant and the earning server to the terminal of the personal member; And
A transaction password authentication unit for determining whether a transaction password directly generated by a remitter and a transaction password input by a recipient for remittance of the accumulated change between the individual members are determined;
Change earning server, characterized in that it comprises a. The method of claim 1
The word database is change earning server, characterized in that it comprises an adjective database and a noun database. The method of claim 1,
When the individual member makes a donation request without referring to a specific group, the change earning server subtracts the requested donation from the change amount of the change of the individual member and converts the donation to accumulate donations from various individual members. Change earning server characterized in that it further comprises a donation earning database. delete The method of claim 1,
The change earning server, personal authentication by comparing the numbers of a specific matrix among the random number table previously transmitted to the terminal of the personal member and the numbers entered by the individual member by selecting a specific matrix of the random number according to the instructions of the earning server Change earning server, characterized in that it further comprises a random number verification unit. delete delete delete delete In the method of using the accumulated change to accumulate on the change earning server without receiving the change that occurs during offline commerce in coins,
The change crediting server is instructed to transfer a portion of the change of the change of the personal member from the individual member to another individual member and requests input of personal information of the individual member;
Authenticating the individual member by comparing the personal information transferred through the input of the personal member with the personal information previously stored in the change accumulation server;
Requesting, by the change accumulation server, the personal member to generate a transaction password for personal transaction confirmation; SMS transmission of the transaction password received from the terminal of the personal member to a recipient's terminal;
Receiving, by the change accumulation server, personal information and the transaction password from a remittee and comparing the personal information previously stored in the change accumulation server with a transaction password generated by the remitted individual member; And
When the first authentication is completed, the change crediting server subtracts the amount of the remittance from the accumulated amount of the remitted individual member, and renews the accumulated change by increasing or decreasing the amount of the remittance to the accumulated amount of the payee. step;
How to use the earned change, characterized in that it comprises a. The method of claim 10,
How to use the accumulated change,
After completion of the first authentication of the payee, the change accumulation server extracts one word from each of two or more word databases and combines them to generate a sentence type one time password (OTP);
Sending, by the server of change accumulation, the sentence-type OTP to the recipient's mobile terminal;
Performing the second authentication of the payee by comparing the sentence type OTP received from the payee with the sentence type OTP received from the payee;
How to use the earned change characterized in that it further comprises. The method of claim 10,
The personal information is a method of using the accumulated change, characterized in that it comprises at least one or more of the mobile phone number of the individual member, the subscription ID of the change account accumulation server of the individual member, password and resident number The method of claim 11,
And the word database includes an adjective database and a noun database. delete delete

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