KR20020094165A - System and Method for exchange of electronic currency and electronic securities - Google Patents

Abstract

PURPOSE: A method and system for exchanging electronic money and electronic securities is provided to enable a client to use all payment processing units on the Internet using a single electronic money or electronic securities by integrally managing electronic money being issued and distributed from each electronic money issuing person and electronic securities being used in a web site and an Internet shopping mall. CONSTITUTION: An electronic money exchanging unit(810) receives a kind of an electronic money or electronic securities possessed by the client and a kind and an exchanging amount of money of an electronic money or electronic securities to be exchanged to the client, and estimates an amount of money to be extracted and processed in the electronic money or electronic securities possessed by the client and a depositing amount of money of electronic money or electronic securities to be exchanged and supplied to the client. An electronic money buying unit(805) buys electronic money or electronic securities to be exchanged from the client in accordance with the estimated payment processing amount of money, and transfers an ownership of the electronic money possessed by the client to the electronic money exchanging unit(810). An electronic money reissuing unit(815) issues electronic money or electronic securities to the client according to depositing amount of money estimated through the electronic money exchanging unit(810) and kinds of electronic money or electronic securities wanted form by the client, and supplies the electronic money or electronic securities for the client. Different kinds of electronic money or electronic securities are exchanged through the above units.

Description

System and Method for exchange of electronic currency and electronic securities

The present invention relates to a method and system for the exchange of electronic money and electronic security, mileage points used in electronic money and commercial websites and Internet shopping malls that are issued and distributed separately from different electronic money issuers And manage electronic securities such as credits and reserves, and exchange and exchange certain electronic money and electronic securities with other electronic money and electronic securities through purchase and sale, thereby providing clients with a single electronic money or electronic securities It allows securities to use any payment processing means on the Internet, and allows any website on the Internet that requires payment processing to accept electronic money or electronic securities on the Internet as a single payment processing means without establishing multiple payment processing means. Do It relates to a method and a system for enabling.

Electronic payment methods on the Internet include electronic cash systems that use electronic cash for online payments, electronic check systems that implement checks, one of the check payment methods on the Internet, and electronic funds using cyber banks on the Internet. There are a transfer system and an internet credit card payment system that implements real world credit card transactions on the Internet. Among these, the electronic payment means most suitable for small payments, such as digital content purchase, is an electronic cash system. In the present invention, electronic money refers to electronic cash issued and used online.

Electronic money is a conversion of real world money into electronic storage value that can be used for payment, and after issuing a new electronic money as electronic storage value using real world money, it is used as an electronic payment method.

Electronic money includes hardware type electronic money and network type electronic money depending on the storage location of the storage value, and hardware type electronic money stores the storage value in memory or CD on IC (Integrated Circuit) circuit, and network type electronic money. Storage value is stored in a storage space such as a customer's computer, a storage space on the Internet, or a wireless communication terminal.

Hardware type electronic money requires a device for reading the stored value because the stored value of the electronic money is stored in a memory or a CD on an IC circuit. While this hinders the widespread use of hardware-type electronic money, it also serves to prevent electronic money from being stolen or misused through hardware devices. In addition, since most hardware-type electronic money is often linked with the transfer of funds or credit card payments of existing financial institutions, the hardware-type electronic money supports the existing payment system rather than a single electronic money. Therefore, hardware-type electronic money is not only possible to make small payments, but also to make large payments using the existing payment system, and also has a characteristic that a fee is lower than that of the existing payment system, and the balance of ten won can be refunded.

Hardware type electronic money includes IC card type electronic money, CD type electronic money, etc. Recently, hybrid card type electronic money including the existing magnetic band function as well as the IC card function and the CD function have appeared.

Network-type electronic money does not require a special terminal for using electronic money, unlike hardware-type electronic money, but since all payments are processed in a digitized form, a high-level security system is required to prevent theft or misuse. Therefore, network type electronic money is used mainly for small payments, which are relatively less risky than high payments.

Network type electronic money includes electronic wallet type electronic money, prepaid card type electronic money, mobile electronic money, and especially electronic wallet type electronic money includes personal computer type, server type and mobile type according to the location of the electronic wallet. Mobile electronic money includes payment approval type and password input type.

Such hardware type electronic money and network type electronic money have a large number of users in recent years because of the small amount of 10-unit payment and low commission, as mentioned above. There is a ham. In other words. Since most electronic money is only available to a few sellers, content providers, and Internet shopping malls, it is less versatile than real world money and traditional electronic payment systems. Of course, if an electronic money provider forms a strategic alliance with all sellers, content providers, and online shopping malls, makes the electronic money available, or introduces standardized electronic money, there is no problem in generality. At the present time various electronic money providers are emerging, the above problem of electronic money is almost impossible until all electronic money is standardized.

In particular, it is quite inconvenient and economically inefficient to use certain electronic money only in a limited content provider for the Internet users. However, electronic money has less risk of counterfeiting or tampering than existing payment systems, and it is safe even if stolen or lost due to its strong security features. Is one of.

In terms of content providers and Internet shopping malls, electronic money requires less time and money to manage than other payment methods, payments can be made quickly and securely, and sales history using electronic money can be used for sales or inventory management. The use of itself for marketing provides the basis for the continued use of electronic money.

Currently, electronic money commonly used on the Internet includes hardware type electronic money such as IC card type electronic money and CD type electronic money, electronic wallet type electronic money, prepaid card type electronic money, and mobile electronics as listed above. There are network-type electronic money, such as a monetary system, each of which is described as follows.

IC card type electronic money, also called smart card type electronic money, is equipped with a semiconductor integrated circuit in a 0.76mm thick card and stores more information than a conventional magnetic card using a magnetic band. It has a microprocessor, card operating system, memory, and security module, so it can be operated internally.

IC card has memory type and microprocessor built-in type depending on the type of built-in IC. The memory type IC card is an IC card that has a security module in the memory without a microprocessor. It is an IC card equipped with a microprocessor capable of carrying a complicated encryption module for protecting internal data and restricting random access from the outside. Memory type IC cards are mainly used to identify and authenticate the cardholder's identity through the security module stored in the card's internal memory, and microprocessor type IC cards are used to connect external devices to external devices through data communication and operation functions. Primarily used for high-level authentication systems that operate or use cryptographic operations.

There are two types of IC cards, contact type and non-contact type, depending on how the data is read. Contact type is a method of inserting an IC card into a card reader to make contact with each other, and then driving the IC in the card to read necessary information through the contact. In the non-contact type, when the IC card approaches a certain distance of the card reader, the IC is driven through the card reader to read necessary information. In particular, since the contactless IC card has no device capable of supplying power to the IC, unlike a contact IC card, the contactless IC card uses a built-in coil to obtain an induced current, and wirelessly communicates with the terminal through a wireless communication circuit included therein. Do it.

The IC card type electronic money using the features of the above IC card is used to purchase an On / Off Line by charging a certain amount to the IC card based on a designated bank account and transferring the value between the cards. There are open loop system and closed loop system.

The open IC card electronic money can be used continuously after the cash is charged from the designated account to the IC card until it is repaid to the issuing authority, and the value transfer between the IC cards is possible. However, closed IC card electronic money can only be used once until the cash from the designated account is repaid to the issuing authority, and value transfer between IC cards is not possible.

Figure 1 is a simple block diagram for the configuration of IC card type electronic money service.

For the IC card type electronic money service, an IC card type electronic money issuer, an IC card charging device, and an IC card type electronic money must be provided on the customer side using the electronic money. There must be an IC card type electronic money purchaser, a value added network (VAN) system, a payment relay, and a national bank for settlement of funds to connect customers and sellers.

After opening an account for IC card type electronic money at the bank of his bank, and receiving the IC card type electronic money from the bank, that is, the issuing institution, the customer must Charge electronic money into the IC card from his designated account.

When the value is charged to the customer's IC card type electronic money from the designated account of the issuing institution as described above, the customer can use this to purchase a product from a variety of online and offline sellers who accept the IC card type electronic money or use the paid service. Alternatively, the content is provided and the payment is processed through the seller's IC card type electronic money terminal.

IC card type electronic money terminal is installed in communication terminal mounted in public telephone or Internet phone, general terminal installed in offline store such as restaurant or pharmacy, special terminal mounted in vending machine or ticket vending machine, bus or subway Traffic terminals, and internet terminals mounted on a web browsing system such as a computer for payment on the Internet, and each terminal has a value charged in a customer's IC card type electronic money through a contact or contactless method. Based on this, the transaction history is transmitted to the payment relay through the VAN system. (13) The VAN is called a value-added communication network. In FIG. 1, a private communication network connecting an IC card type electronic money terminal and a payment relay is provided. Direct access to the VAN from a public network, such as the Internet. Payment can be safely delivered to the transit agency to confirm transactions at the terminal because it can.

After receiving the transaction details from the IC card-type electronic money terminal through the VAN system, the payment relay agency checks the facts of the transaction details, takes necessary measures, and then executes the transaction of the bank, that is, the customer, that issued the IC card-type electronic money. The bank and the merchant bank of the merchant operating the IC card type electronic money terminal, that is, the merchant bank, notify the settlement details of the funds.

The settlement relay agency notifies the customer transaction bank and the merchant transaction bank as described above, and then requests the settlement to the national bank (= Korea Bank) that processes the actual settlement of the funds (16). At the request of the intermediary, the settlement broker requests the settlement of the funds requested by the settlement agency from the customer's bank to the merchant's bank. (17) When the settlement of the funds is completed, the merchant's bank deposits the payment to the merchant's designated account. (18)

CD-type electronic money, along with IC card-type electronic money, is a representative hardware-type electronic money. It is an electronic money that adds a security function by CD to an existing credit card payment system. CD-type electronic money stores the payment system automatic access program and encrypted code in a CR-ROM made in the form of a business card size card, and the automatic access program stored on the CD in the process of receiving Internet shopping or paid contents. The credit card is used to perform the credit card payment. Therefore, CD-type electronic money is not a new payment method, but an auxiliary means linked to existing credit card payments.

CD-type electronic money, unlike IC card-type electronic money, does not require a dedicated terminal and automatically handles payment through the CD-ROM that is basically installed in the computer. Therefore, CD type electronic money is mainly used to purchase goods, services or contents from an internet shopping mall or a paid content provider using a computer connected to the Internet.

2 is a simple block diagram of the configuration of CD-type electronic money service.

CD-type electronic money services include physical CD-type electronic money and computers equipped with CD-ROMs, customers who are buyers of Internet shopping malls, Internet shopping malls that provide goods or paid services or contents to customers, and CD-type electronic money to customers. CD-type electronic money provider that issues money and transfers CD-type electronic money based on payment information sent from an internet shopping mall, and CD-type electronic money alliance that performs credit card payment at the request of CD-type electronic money provider It consists of financial companies.

In general, there are two ways for a customer to access an internet shopping mall through a CD-type electronic money. The first method is to enter an internet shopping mall address in a URL of a web browser, as in a conventional internet shopping mall. The second method is to insert a CD type electronic money into a CD-ROM, connect to a financial company affiliated with a CD type electronic money provider through an automatic connection program stored in the CD, and then use the Internet. The approach is to choose a shopping mall. The former has a merit of selecting various shopping malls and selecting a shopping mall with a low purchase price through price comparison, whereas the former shopping mall may not use a CD type electronic money owned by the customer. In the latter case, it has the advantage that beginners can easily use it because they directly access affiliated financial institutions through the automatic access program stored in the CD-type electronic money. The disadvantage is that it is not easy to buy.

After the customer accesses the Internet shopping mall 21 as described above, purchases a desired product and selects the CD type electronic money as a payment method (22), the Internet shopping mall transmits the transaction information to the CD type electronic money provider ( 23). Based on the transaction information, the CD-type electronic money provider accesses the customer's CD-ROM to check whether the CD-type electronic money exists, and the transaction information transmitted from the Internet shopping mall through the encryption code stored in the CD-type electronic money. (24) At this time, the encryption code stored in the CD-type electronic money acts as a substitute for user authentication, and all payments are automatically processed without downloading a separate program or entering an authentication key of a customer. Therefore, if there is no CD-type electronic money in the customer's CD-ROM, payment is not made, and if the customer loses or destroys the CD-type electronic money, the new electronic money must be reissued.

As described above, the CD-type electronic money provider that has processed transaction information transmitted from the Internet shopping mall from the CD-type electronic money owned by the customer requests a credit card payment through the CD-type electronic money affiliated financial institution based on this (25). Affiliated financial institutions approve and finalize payments requested by CD-type electronic money providers. (26)

Electronic wallet type electronic money is a storage value stored electronically online, but it is a type of payment system implemented on a network, but it means a space for storing electronic money that can be paid online rather than a single currency. . Electronic wallet-type electronic money stores information such as personal authentication keys, credit card certificates, and online transaction details in electronically stored credit or debit card information, and online payment process or transaction information is also encrypted.

E-wallet type electronic money can be stored in the user's PC (Personal Computer) and Internet server storage type depending on the storage location on the network. Internet server storage type stores the stored value in the server of the wallet provider.

3 is a simple configuration diagram in which the electronic wallet type electronic money is stored in the user PC.

When the customer executes an electronic wallet program stored in a web browser and a PC (31), accesses an internet shopping mall, purchases a product, and selects an electronic wallet-type electronic money as a payment method, the internet shopping mall is connected to the customer's web browser. (33) The web browser, which is requested to pay at the Internet shopping mall, opens the electronic wallet program installed in the user's PC, and pays the stored value stored in the electronic wallet at the Internet shopping mall. The Internet shopping mall then pays the stored value paid in the electronic wallet of the user's PC to the electronic wallet provider, and the electronic wallet provider processes the payment through the payment gateway.

Upon completion of the stored value payment and payment stored in the user's PC as described above, the electronic wallet provider pays the balance to the Internet shopping mall, and the Internet shopping mall pays the balance to the customer's electronic wallet program again. At 40, the stored value information and additional information stored in the user PC, as well as the stored value payment and payment processing, and the balance payment are encrypted.

4 is a simple diagram of a case where an electronic wallet type electronic money is stored in a server of an electronic wallet provider.

In order to use the electronic wallet type electronic money, the customer first applies to the electronic wallet provider through the Internet and registers as a member (41). The wallet provider then sends the password needed to use the wallet to the customer using a method such as e-mail (42), and the customer uses this password to access the wallet and then, via direct debit or Internet banking. Then, the electronic wallet is charged through a credit card (43). When the charging is completed, the Internet shopping mall manages the amount and the history information charged to the customer (44).

When the charging of the electronic wallet-type electronic money to the electronic wallet provider is completed as described above, the customer visits an internet shopping mall to purchase a desired product, and selects the electronic wallet-type electronic money as a payment method (45). Then, the Internet shopping mall requests payment from the customer's electronic wallet provider (46), and the electronic wallet provider approves the payment based on the data received from the internet shopping mall and transmits the result to the internet shopping mall (47).

Prepaid card type electronic money, also known as electronic gift voucher, is the most common type of electronic money. It is an electronic money that purchases goods or paid contents online using a unique number on the back of the prepaid card. In the process of the customer using the prepaid card type electronic money, the prepaid card type electronic money provider recognizes only the unique number of the prepaid card and does not identify the owner of the card.The prepaid card type electronic money supplier is the owner of the card. Manage the account of the card itself.

Prepaid card-type electronic money can be purchased through an offline store such as a game room or a convenience store, or a prepaid card-type electronic money provider can be registered and purchase the prepaid card by credit card or bank account deposit. However, since the prepaid card type electronic money selects a prepaid card system of a specific company for each Internet shopping mall, it is inconvenient to purchase separately the prepaid card that can be used in each internet shopping mall, and the process of purchasing the prepaid card type electronic money is cumbersome and inconvenient. The disadvantage is that. Moreover, since most prepaid cards have an expiration date, the inability to use the prepaid electronic money after the expiration date is an important reason why customers are reluctant to use the prepaid card. However, there is no need to provide the personal information of the customer to the Internet shopping mall at the time of payment, and the prepaid card type electronic money has the greatest advantage that the prepaid card itself can be transferred to another person or as a gift.

5 is a simple block diagram of a prepaid card type electronic money service configuration.

In order to use prepaid card-type electronic money, customers prepay prepaid cards at an offline prepaid card retailer (51) and purchase prepaid cards offline (52), bank account, bank transfer, giro, and credit card payments. Prepayment to a prepaid card-type electronic money provider is made in advance (53), and a prepaid card must be purchased online (54).

When the customer purchases the prepaid card type electronic money through online and offline as described above, accesses the internet shopping mall and purchases the product, and selects the prepaid card as the payment method (55), the online shopping mall is the prepaid card type electronic money. The prepaid card payment screen of the money provider is linked and output to the customer's web browser (56). The customer then enters the password of the prepaid card he purchased online and offline into the linked prepaid card type electronic money provider input window (57), and the prepaid card type electronic money provider adds the prepaid card to the prepaid card account. After confirming the existence and the balance, payment is terminated by granting the use of a prepaid card to the Internet shopping mall (58).

Mobile electronic money is a payment that is made by using a wireless communication terminal such as a mobile communication terminal, a smart phone, and a PDA capable of wireless communication, which is carried by a mobile communication subscriber. After the content is purchased, the payment amount of the Internet shopping mall is paid in the form of the customer's mobile communication fee. Mobile electronic money is mainly used for small payments rather than high payments, and since the mobile electronic money payment is attached to the mobile communication fee, the total amount of mobile payments is limited.

Mobile electronic money has a payment approval type and a mobile password input type depending on the processing method, and the payment approval type mobile electronic money is used when a customer purchases a product or paid content at an internet shopping mall and selects a payment method as mobile electronic money. The shopping mall checks the customer's mobile e-money through the mobile e-money provider and approves payment within the limit. The mobile password input type allows the mobile e-money provider to access the mobile communication network whenever it makes a purchase through the customer's internet shopping mall. It is a form of electronic money in which a customer is given a password and the customer enters this number into an internet shopping mall to make a payment.

6 is a simple block diagram of a payment approved mobile electronic money.

When a customer requests the purchase of the electronic money from the mobile electronic money provider to use the payment approved mobile electronic money (61), the mobile electronic money provider checks with the mobile carrier to see if the customer is a legitimate customer (62). Approve the purchase of mobile electronic money (63) for the case of being authenticated as a customer (64). For example, the purchase of mobile electronic money is rejected for a company's business mobile terminal, a corporate-owned mobile terminal, and a mobile terminal with a delinquent amount.

When the mobile electronic money purchase is completed through the above process, when the customer accesses an internet shopping mall and purchases a product or paid content (65), the internet shopping mall requests a payment of the customer from the mobile electronic money provider (66). In addition, the mobile electronic money provider verifies that the customer is legitimate and approves the mobile electronic money payment within the limits (67). The internet shopping mall then approves the purchase of the customer (68). The customer pays the purchaser when paying the party's mobile communication fee (69). As such, when the purchase payment is completed from the customer, the mobile carrier setstles the mobile electronic money with respect to the mobile electronic money provider (70), and the mobile electronic money provider provides the Internet shopping mall where the customer purchased the goods or paid contents. Settlement (70).

7 is a simple block diagram for a password input mobile electronic money.

When a customer accesses an internet shopping mall and requests a purchase of a product or paid content, and selects a password input mobile electronic money as a payment method (71), the online shopping mall provides a mobile electronic money provider based on the member information of the customer. Request a verification confirmation at 72, the mobile electronic money provider grants the purchase approval password to the customer (73), and the secret assigned by the mobile electronic money provider via text message to the customer's wireless communication terminal via the mobile carrier. The number is sent (74).

When the purchase approval password is transmitted to the customer's wireless communication terminal as described above, the customer enters the corresponding password to complete the purchase and transmits it to the mobile electronic money provider (75), and the mobile electronic money provider provides the password to the customer. After confirming that the match between the and the received password and whether the customer is a legitimate user, and so on, and authenticates the purchase to the legitimate purchase customer (76).

Once the purchase authorization for the customer is confirmed from the mobile electronic money provider, the internet shopping mall approves the purchase to the customer (77), and then the payment through the mobile communication fee is made through the same process as the payment approved mobile electronic money. .

As described above, in order to solve the problem that mutual value transfer is not possible due to the de-standardization of various electronic money or electronic securities on the Internet, the present invention provides an electronic money and a commercial purpose separately issued and distributed from different electronic money issuers. Integrate and manage electronic securities such as mileage points and reserves used on websites and Internet shopping malls, and exchange and exchange certain electronic money and electronic securities with other electronic money and electronic securities through purchase and sale. This allows clients to use all payment processing means on the Internet as a single electronic money or electronic securities, and allows all websites on the Internet that require payment processing to be handled as a single payment processing means without establishing multiple payment processing means. It is an object of the present invention to provide a method and system for accepting electronic money or electronic securities on the Internet, and for this purpose, the present invention provides a method and system for exchanging or exchanging different types of electronic money and electronic securities; The same kind of electronic money, but a method and system for a supplier to exchange or exchange other electronic money and electronic securities, and that electronic money and electronic security is not misused or misused in the course of exchange or exchange of electronic money and electronic security. It is an object of the present invention to provide a method and a system for preventing this.

1 is a simple block diagram of an IC card type electronic money service configuration.

Figure 2 is a simple block diagram for the configuration of CD-type electronic money service.

Figure 3 is a simple configuration for the case where the electronic wallet-type electronic money is stored in the user PC.

Figure 4 is a simple configuration for the case where the electronic wallet-type electronic money is stored in the server of the electronic wallet provider.

5 is a simple block diagram for configuring a prepaid card type electronic money service.

6 is a simple block diagram for a payment approved mobile electronic money.

7 is a simple block diagram for a password input mobile electronic money.

8 is a simple block diagram of an electronic money exchange system.

9 is a simple flowchart of providing an electronic money exchange service through an electronic money purchase unit, an electronic money exchange unit, and an electronic money reissue unit of the electronic money exchange system.

10 is a simple block diagram of a case of converting a prepaid card type electronic money into an IC card type electronic money or an IC card type electronic money into a prepaid card type electronic money.

11 is a simple exemplary diagram for converting a prepaid card type electronic money into an IC card type electronic money.

12 is a simple flowchart of a process of converting a prepaid card type electronic money into an IC card type electronic money.

13 is a simple flowchart of a process of converting an IC card type electronic money into a prepaid card type electronic money.

14 is a simple block diagram of a case of converting a prepaid card type electronic money into a CD type electronic money or a CD type electronic money into a prepaid card type electronic money.

15 is a simple illustration of a case where a virtual CD-ROM drive is installed in a customer's computer in the process of converting a prepaid card type electronic money into a CD type electronic money.

16 is a simple flowchart of a process of converting a prepaid card type electronic money into a CD type electronic money.

17 is a simple flowchart illustrating a process of processing a payment using a CD-type electronic money in the form of a virtual CD-ROM exchanged.

18 is a simple flowchart of a process of converting a CD type electronic money into a prepaid card type electronic money.

Fig. 19 is a simple block diagram of a case of converting a prepaid card type electronic money into an electronic wallet type electronic money or converting an electronic payment type electronic money into a prepaid card type electronic money (an electronic wallet program is installed in a customer computer). Occation).

20 is a simple block diagram of a case of converting a prepaid card type electronic money into an electronic wallet type electronic money or an electronic payment type electronic money into a prepaid card type electronic money (a customer's electronic wallet program is transferred to a server on the Internet. If present)

21 is a simple flowchart of a process of converting a prepaid card type electronic money into a user PC type electronic wallet.

22 is a simple flowchart of a process of converting a prepaid card type electronic money into an Internet server type wallet.

FIG. 23 is a simple flowchart illustrating a process of converting a user PC type electronic wallet or an Internet server type electronic wallet into a prepaid card type electronic money.

24 is a simple block diagram of a case of exchanging different types of prepaid card type electronic money A and prepaid card type electronic money B. As shown in FIG.

25 is a simple flowchart illustrating a process of exchanging different types of prepaid card type electronic money.

FIG. 26 is a simple block diagram of a case of converting a prepaid card type electronic money into a mobile electronic money or a mobile electronic money into a prepaid card type electronic money.

FIG. 27 is a simple illustration of a case in which the storage value of the prepaid card type electronic money exchanged for the mobile communication fee is settled in the customer's mobile communication fee after the prepaid card type electronic money is converted into the mobile electronic money.

28 is a simple flowchart of a process of converting a prepaid card type electronic money into a mobile electronic money.

29 is a simple flowchart of a case of converting a mobile electronic money into a prepaid card type electronic money.

<Description of main parts of drawing>

800: electronic money exchange system 805: electronic money purchase unit

810: electronic money exchange section 815: electronic money reissue section

820: IC card electronic money buying section 825: CD type electronic money buying section

830: electronic wallet type electronic money purchase part 835: prepaid card type electronic money purchase part

840: mobile electronic money purchase unit 845: electronic securities purchase unit

850: IC card electronic money reissue section 855: CD type electronic money reissue section

860: e-wallet electronic money reissues 865: prepaid card electronic money reissues

870: Mobile Electronic Money Reissue Department 875: Electronic Securities Reissue Department

The present invention relates to a method and system for the exchange of electronic money and electronic securities, and includes mileage points and reserves used for electronic money and commercial websites and Internet shopping malls that are issued and distributed separately from different electronic money issuers. By integrating and managing the same electronic securities, and providing and exchanging certain electronic money and electronic securities through exchange and exchange of other electronic money and electronic securities through purchase and sale, the client can use the Internet as a single electronic money or electronic securities. Make sure that all payment processing means on the internet are available, and that any website on the Internet that requires payment processing can accept all electronic money or electronic securities on the Internet as a single payment processing means without establishing multiple payment processing means. It relates to a method and system.

The present invention also provides a method and system for exchanging or exchanging different types of electronic money and electronic securities, a method and system for exchanging or exchanging other electronic money and electronic securities of the same kind, but the supplier The present invention relates to a method and system for preventing the electronic money and electronic securities from being misused or misused during the exchange or exchange of money and electronic securities.

8 is a simple block diagram of an electronic money exchange system 800.

The electronic money exchange system 800 includes an IC card type electronic money purchaser 820, a CD type electronic money purchaser 825, and an electronic wallet type electronic money purchaser that purchases electronic money and electronic securities from a customer 1050. 830, a prepaid card type electronic money purchaser 835, a mobile electronic money purchaser 840, an electronic security purchaser 845, and the like. The electronic money exchange unit 810 converts electronic securities into electronic money and electronic securities in the form desired by the customer 1050, and electronic money in the form desired by the customer 1050 in exchange of electronic money and electronic securities. IC card type electronic money reissue section 850, CD type electronic money reissue section 855, electronic wallet type electronic money reissue section 860, prepaid card type electronic money reissue section 865, mobile Electronic money recurrence There is an electronic money reissue section 815, such as an executive 870, an electronic security reissue section 875, and the like.

The electronic money purchaser 805 plays a role as an electronic money merchant from the electronic money issuer's point of view, and requests the electronic money issuer or supplier to pay electronic money and electronic securities that the customer 1050 wants to exchange. As a result, the ownership of the electronic money held by the customer 1050 is transferred to the electronic money exchange system 800.

The electronic money exchange unit 810 exchanges electronic money or electronic securities transferred from the customer 1050 to electronic money and electronic securities in a form that the customer 1050 wants to exchange. However, the role of the electronic money exchange unit 810 in this process is not to directly exchange electronic money and electronic securities into other forms of electronic money and electronic securities, such as real world currency exchange, but electronic money that is applied in the exchange process. And converting electronic securities to real world currency, calculating the fees required for currency exchange, and taking necessary measures on- and offline to reissue the electronic money and electronic securities in the form desired by the customer (1050). In charge of.

The electronic money reissue unit 815 plays a role of reissuing the electronic money and electronic securities processed by the electronic money exchange unit 810 in a form desired by the customer 1050. In this process, the electronic money issuing unit exchanges electronic money. Transfer electronic money and electronic securities already held by the system 800 to the customer 1050, transfer funds to the customer's designated account 1050, or a new electronic wallet with an exchanged electronic money. Is applied to the customer 1050, or a request for issuing a new electronic money in the name of the customer 1050 to the electronic money issuer.

9 is a simple flowchart of providing an electronic money exchange service through the electronic money purchase unit 805, the electronic money exchange unit 810, the electronic money reissue unit 815, and the like of the electronic money exchange system 800.

FIG. 9 is one of representative flowcharts among various flowcharts for the electronic money exchange system 800 to exchange electronic money, and the electronic money exchange service flowchart is not limited to the case of FIG.

9 shows that after the electronic money exchange unit 810 takes the necessary steps to exchange money, the electronic money purchase unit 805 purchases the corresponding electronic money that the customer 1050 wants to exchange, and reissues the electronic money. 815 is about the reissue of the electronic money to be exchanged.

After the customer 1050 logs in to the electronic money exchange system 800, the electronic money exchange unit 810 determines the amount of money to be exchanged (900), selects the type of electronic money to be exchanged and the type of electronic money to be exchanged. 905 and 910 and the electronic money exchange unit 810 are actually settled by the electronic money purchase unit 805 to exchange the exchange amount, excluding the fees, taxes, and service charges required for each exchange process. The amount to be converted and the amount to be exchanged are calculated (915). Then, after selecting each of the electronic money purchase unit 805 and the electronic money reissue unit 815 used in the exchange process, check whether the purchase unit and the reissue unit can perform the exchange operation normally.

When the electronic money exchange system 800 normally performs the above process, the electronic money exchange unit 810 pays the amount of money to the electronic money that the customer 1050 wants to exchange through the electronic money purchase unit 805. By doing so, the value stored in the electronic money held by the customer 1050 is transferred to the electronic money exchange system 800.

If the value transfer from the customer 1050 to the electronic money exchange system 800 is normally completed for the electronic money held by the customer 1050, the electronic money exchange system 800 is calculated by the electronic money exchange unit 810. By reissuing the electronic money corresponding to the exchange money amount through the electronic money reissue unit 815, the storage value of the electronic money held by the electronic money exchange system 800 is transferred to the customer 1050.

Through the above process, the stored value of the electronic money held by the customer 1050 is reissued to the corresponding customer 1050 as another type of electronic money, and the electronic money exchange system 800 is the electronic money purchase unit 805. Pay the electronic money of the customer (1050) through the value transfer of the stored value of the electronic money to the electronic money exchange system 800, the electronic money exchange system 800 is retained through the electronic money reissue unit 815 The electronic money exchange system 800 is strategically affiliated with each electronic money provider, except for electronic securities such as mileage that is only available in certain content providers or Internet shopping malls, because the electronic money that was being transferred is transferred to the customer 1050. Allows you to exchange electronic money without sharing a database.

Of course, if the electronic money exchange system 800 forms a strategic alliance with each electronic money provider and shares the database to provide the electronic money exchange service, the exchange process is simplified from the perspective of the electronic money exchange system 800, and the customer ( Although it is possible to lower the exchange fee from the standpoint of 1050, the present invention provides a method for exchanging electronic money independently of each electronic money provider.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. However, the following embodiments are for the most representative case among various methods for explaining the present invention most appropriately, and the present invention is not limited only to the following embodiments.

FIG. 10 is a simple block diagram of a case in which a prepaid card type electronic money is converted into an IC card type electronic money 1035 or an IC card type electronic money 1035 is converted into a prepaid card type electronic money. It is a simple example of exchange of card type electronic money into IC card type electronic money 1035.

Existing IC card type electronic money (1035), except for some open type IC card electronic money, such as Mondex card, the exchange and exchange of the same type of supplier IC card type electronic money (1035), as well as the same (I) Exchange and exchange of dual-supply IC card-type electronic money (1035), and all commodities such as CD-type electronic money, electronic wallet-type electronic money, prepaid card-type electronic money, and mobile electronic money; In principle, exchange and exchange of electronic money is not possible.

Prepaid card type electronic money does not manage the owner of the card but manages the card itself, so it is possible to transfer the card, but this can be done offline between customers 1050, such as as a gift or gift. And value transfer are impossible.

In order to exchange the prepaid card type electronic money into the IC card type electronic money 1035, the customer 1050 registers with the electronic money exchange system 800 and simultaneously provides information on all kinds of electronic money owned by the customer. Enter it. This information is automatically processed without the need to input the electronic money to be exchanged and the electronic money information to be exchanged in each electronic money exchange process.

If the customer 1050 wants to receive an electronic money exchange service without subscribing to the electronic money exchange system 800, the customer 1050 needs to input information about the electronic money to be exchanged and the electronic money to be exchanged at every electronic money exchange. Accordingly, as shown in FIG. 10, when the prepaid card type electronic money is exchanged into the IC card type electronic money 1035 or the IC card type electronic money 1035 is converted into the prepaid card type electronic money, the customer 1050 himself or herself. Provides the electronic money exchange system 800 with information about the card number or designated account number of the IC card type electronic money 1035 held by the user, as well as the type of the prepaid card he currently holds and the prepaid card supplier. Should be.

When the information on the electronic money held by the customer 1050 is stored in the electronic money exchange system 800 as described above, the customer 1050 converts the prepaid card type electronic money into the IC card type electronic money 1035. In order to exchange money, the IC card type electronic money 1035 is selected for the electronic money being exchanged as shown in FIG. 11, and a payment for the exchange service is requested using the prepaid card type electronic money he holds. Then, the prepaid card type electronic money purchase unit 835 of the electronic money exchange system 800 processes the payment for the prepaid card through the process as shown in FIG. 5. This process is similar to a method in which a customer 1050 purchases and pays a product or paid content at a prepaid card type electronic merchant, and in the present embodiment, the customer 1050 uses a prepaid card type electronic in the electronic money exchange system 800. Paying in money is because you purchased content called currency exchange of electronic money.

Through the above process, the stored value of the prepaid card held by the customer 1050 is transferred to the electronic money exchange system 800, and the electronic money exchange unit 810 of the electronic money exchange system 800 receives a certain percentage of fees. Calculate the final amount of money exchanged except for The IC card type electronic money reissue unit 850 converts the final money amount calculated by the electronic money exchange unit 810 into the IC card type electronic money 1035 of the customer 1050 in the bank account of the electronic money exchange system 800. Complete the currency exchange service by transferring to the designated account.

In order to exchange the IC card type electronic money 1035 into a prepaid card type electronic money, the customer 1050 selects a prepaid card type electronic money in the exchanged electronic money, and holds the IC card type electronic money that he owns ( 1035) may request payment for a currency exchange service using an internet terminal. Then, the IC card type electronic money purchase unit 820 of the electronic money exchange system 800 processes the payment for the IC card type electronic money 1035 of the customer 1050 through the VAN system as shown in FIG.

As described above, the stored value of the IC card type electronic money 1035 held by the customer 1050 is transferred to the electronic money exchange system 800, and the electronic money exchange unit 810 removes a certain percentage of the fee. After the final exchange amount is calculated, the prepaid card type electronic money reissue unit 865 stores the card number, authorization number, password, etc. of the prepaid card corresponding to the exchanged amount among the prepaid card type electronic money held by the electronic money system. The exchange service is completed by sending the to the customer 1050. In this case, it is possible to complete the exchange service by transmitting only the card number, the authorization number, and the password of the prepaid card type electronic money corresponding to the exchanged amount to the customer 1050. This is because the prepaid card type electronic money supplier 1040 manages only the account for the card.

12 is a simple flowchart of a process of converting a prepaid card type electronic money into an IC card type electronic money 1035.

When the customer 1050 logs in to the electronic money exchange system 800 to exchange the prepaid card held by the customer to the IC card type electronic money 1035 (1200), the electronic money exchange unit 810 receives the customer (1050). The amount of money to be exchanged is inputted from (1205), and the actual payment amount and currency exchange amount are calculated except for the exchange fee and service fee (1210).

As described above, when the actual payment amount and the exchange amount for the electronic money exchange are determined, the customer 1050 selects the IC card type electronic money 1035 as the electronic money to be exchanged (1215), and the electronic money exchange unit 810. Check whether the information necessary for the reissue of the IC card type electronic money 1035 exists from the member information of the corresponding customer 1050, and extracts the corresponding information (1220). However, if there is no exchangeable IC card type electronic money 1035 information in the member information of the customer 1050 (1225), the electronic money exchange unit 810 is the IC card type electronic money 1035 to be exchanged by the customer 1050 In step 1230, information about the IC card type electronic money 1035 is extracted from the input information.

As described above, when the IC card type electronic money 1035 information to be exchanged by the customer 1050 is extracted, the electronic money exchange unit 810 verifies whether the information is valid through the payment relay 1010 (1235). . At this time, the IC card type electronic money 1035 information used for verification is the IC card type electronic money 1035 designated account information of the customer bank 1025, and this information is the IC card type electronic money of the customer 1050. Verify the real name account for (1035) and the like. If the IC card type electronic money 1035 information of the customer 1050 is legitimate, the electronic money exchange unit 810 allows the customer 1050 to select the electronic money to be exchanged (1240), and vice versa. If not (1245), the electronic money exchange unit 810 outputs an electronic money exchange error message (1250), and ends the electronic money exchange service.

When the verification work for the IC card type electronic money 1035 of the customer 1050 is completed as described above, the electronic money exchange unit 810 selects a prepaid card as the electronic money to be exchanged (1240). Then, the electronic money exchange unit 810 checks whether the electronic money exchange service can be paid through the corresponding prepaid card type electronic money through the electronic money purchase unit 805 (1255). Since the electronic money purchase unit 805 plays a role as a prepaid card merchant such as a content provider or an internet shopping mall on the Internet, the electronic money purchase unit 805 corresponds to the prepaid card type electronic money provider 1040. The prepaid card should be able to be paid through the prepaid card type electronic money provider 1040.

If the prepaid card type electronic money selected by the customer 1050 can be settled through the electronic money buying unit 805, the electronic money buying unit 805 pays the prepaid card type electronic money by the payment amount (1260). . On the contrary, if the customer 1050 cannot pay the electronic money exchange service through the prepaid card type electronic money selected (1265), the electronic money exchange unit 810 outputs an electronic money exchange error message (1250). Terminate the service.

When the payment of the prepaid card type electronic money for the electronic money exchange service is completed as described above, the storage value of the prepaid card type electronic money held by the customer 1050 is transferred to the electronic money exchange system 800. Then, the electronic money reissue unit 815 transfers the stored value corresponding to the exchange amount to the IC card type electronic money 1035 designated account of the customer 1050 by transferring the funds 1270 to convert the prepaid card of the customer 1050 into the IC card. Substantially performs a service of converting the type electronic money (1035).

When the transfer of funds to the designated account of the IC card type electronic money 1035 of the customer 1050 is completed, the electronic money exchange system 800 transfers the amount of money exchanged to the designated account to the customer 1050. In operation 1030, a message for charging the IC card with the corresponding amount is output (1275), and the exchange service from the prepaid card type electronic money to the IC card type electronic money 1035 is terminated.

13 is a simple flow diagram of a process of converting an IC card type electronic money 1035 into a prepaid card type electronic money.

In order to exchange the IC card type electronic money 1035 into a prepaid card type electronic money, the customer 1050 calculates the actual payment amount and the exchange amount in the same manner as shown in Fig. 12, and the electronic money exchange system of the electronic money exchange system 800 The process of the unit 810 for calculating the actual payment amount and the exchange amount is the same in all embodiments.

As described above, when the actual payment amount and the exchange amount for the electronic money exchange are determined (1300), the customer 1050 selects a prepaid card type author money as the electronic money to be exchanged (1305), and the electronic money exchange unit 810. Check whether the electronic money exchange system 800 has a prepaid card type electronic money that can be exchanged by the customer 1050 selected prepaid card type electronic money.

If the electronic money exchange system 800 has a prepaid card type electronic money that can be exchanged and reissued to the customer 1050, the electronic money exchange unit 810 is configured for the prepaid card type electronic money corresponding to the exchange amount. Prepaid card type author money information such as card number, authorization number, password, etc. is extracted (1315).

However, if the electronic money exchange system 800 does not have a prepaid card type electronic money to be reissued to the customer 1050 (1320), the electronic money exchange unit 810 outputs an electronic money exchange error message to the customer 1050. In step 1345, the electronic money exchange service is terminated.

When the prepaid card type electronic money information to be reissued as described above is normally extracted (1315), the electronic money exchange unit 810 selects the IC card type electronic money 1035 as the electronic money to be exchanged (1325). By using the same process as shown in Figure 1 to pay the electronic money exchange service (1330).

When the payment for converting the IC card type electronic money 1035 into a prepaid card type electronic money is completed, the electronic money reissue unit 815 sends the customer 1050 the card number of the prepaid card type electronic money corresponding to the exchange amount, The authorization number and the password are transmitted (1335), and when the transmission is completed, a message is output to the customer 1050 that the exchange of the IC card type electronic money 1035 to the prepaid card type electronic money was normally performed (1350). ), The electronic money exchange service ends.

14 is a simple block diagram of a case of converting a prepaid card type electronic money into a CD type electronic money or a CD type electronic money into a prepaid card type electronic money. It is a simple example of the case where the virtual CD-ROM drive 1415 is installed in the customer's computer during the currency exchange process.

CD-type electronic money is linked to the credit card payment system, as mentioned in Figure 2, simplify the processing of the existing credit card payment system, and is an electronic money that solves some security problems using a device called CD.

CD-type electronic money is linked to credit cards as described above, so it is possible to make high-value payments.It is also possible to use IC card type electronic money, electronic wallet type electronic money, prepaid card type electronic money, and electronic securities using prepaid payment methods. Unlike the same electronic money, it uses a postpaid payment method. However, unlike mobile electronic money that uses the same postpay method, CD-type electronic money does not have a limit setting, and it has the characteristic of always carrying a CD in hardware form. Therefore, in order to exchange electronic money such as IC card type electronic money, electronic wallet type electronic money, prepaid card type electronic money, mobile electronic money, and electronic securities into CD type electronic money, more than the amount of money exchanged by the customer 1050 There is a need to set limits to prevent the use of CDs and to reissue CD-type electronic money other than hardware.

As a method for preventing the customer 1050 from using more than the exchange amount, there is a case of using a secured credit card payment system and a virtual CD-ROM.

The limit on the amount of exchanged CD-type electronic money using the credit card payment security system is electronically incorporated into the components of the security protocol of the credit card payment system that interoperates with the CD-type electronic money, such as SET (Secure Electronic Transaction). The currency exchange system 800 participates to monitor the electronic money settlement process in real time.

The method of limiting the exchange amount of the CD type electronic money exchanged using the virtual CD-ROM is a method of combining the electronic wallet type electronic money and the CD type electronic money, which is the same role that the CD type electronic money supplier 1410 issues. A virtual CD-ROM program for performing the operation, and inserting code into the virtual CD-ROM that prevents the customer 1050 from paying more than the exchanged amount, and requests the CD-type electronic money exchange service to the customer 1050. To reissue. The virtual CD-ROM is not a real CD-ROM drive, but a kind of program that plays the same role as a CD. The electronic money exchange system 800 receives a code for rejecting a payment request more than the amount of money exchanged in the virtual CD-ROM, and payment is processed. When the self-deleting code is deleted, it is reissued to the customer 1050 who requested the exchange service.

FIG. 14 illustrates a case of converting money using a virtual CD-ROM among the CD-type electronic money exchange methods as described above. The prepaid card-type electronic money purchase unit 835 of the electronic money exchange system 800 is a customer 1050. Transfer the stored value of the prepaid card type electronic money to the electronic money exchange system 800, the electronic money exchange unit 810 is a virtual CD-ROM type that inserts a limit setting and self-destruction code that can be used for the amount requested to exchange The CD type electronic money is generated, and the CD type electronic money reissue unit 855 transmits the electronic money in the form of a virtual CD-ROM generated by the electronic money exchange unit 810 to the customer 1050.

Then, a virtual CD-ROM as shown in FIG. 15 is installed on the computer of the customer 1050, and the CD-type electronic money reissued in the form of a virtual CD-ROM refuses to pay more than the limit, as well as the exchange process of the customer 1050. Monitor and transmit the information to the electronic money exchange system (800). When the customer 1050 completes the first payment using the exchanged CD-type electronic money, the virtual CD-ROM-type electronic money is the electronic money exchange system 800 of the remaining balance paid by the customer 1050. Is deleted and deleted from all storage devices of the customer 1050 computer.

Figure 16 is a simple flow chart for the process of prepaid card type electronic money to CD type electronic money.

When the customer 1050 logs in to the electronic money exchange system 800 to convert his prepaid card to CD type electronic money, the electronic money exchange unit 810 calculates the actual payment amount and the final currency exchange amount. (1600), the CD type electronic money is selected as the exchanged electronic money (1605).

When the CD-type electronic money is selected as the electronic money to be exchanged as described above, the electronic money exchange unit 810 searches the database to find out whether there is a virtual CD-ROM type electronic money program corresponding to the exchange amount. 1610). If there is a CD-type electronic money in the form of a virtual CD-ROM corresponding to the exchange amount, the electronic currency exchange unit 810 extracts the virtual CD-ROM program and processes it into a form that can be transmitted to the customer 1050. (1615).

However, in contrast, there is no CD-type electronic money in the form of virtual CD-ROM corresponding to the amount requested by the customer 1050 in the database (1620), and the electronic currency exchange unit 810 has a virtual CD-ROM corresponding to the corresponding exchange amount. The CD-type electronic money in the form is generated (1625), and processed into a form that can be transmitted to the customer (1050).

When the CD-type electronic money in the form of virtual CD-ROM corresponding to the exchange amount is processed as described above, the electronic money exchange unit 810 selects a prepaid card type electronic money as the electronic money to be exchanged (1630), and the customer (1050). In step 1635, it is possible to make a payment for the exchange service with the prepaid card type electronic money held by the user. If the prepaid card type electronic money payment is possible, the prepaid card type electronic money purchase unit 835 transfers the stored value corresponding to the payment amount from the customer 1050 to the electronic money exchange system 800 through the prepaid card. (1640).

However, if the stored value of the prepaid card type electronic money held by the customer 1050 cannot be transferred to the electronic money exchange system 800 (1645), the electronic money exchange system 800 outputs an electronic money exchange error message. 1650, the electronic money exchange service is terminated.

When the stored value of the prepaid card type electronic money held by the customer 1050 is transferred to the electronic money exchange system 800, the CD type electronic money reissue unit 855 is processed in the electronic money exchange unit 810. The CD-type electronic money in the form of a CD-ROM is transmitted to and installed by the customer 1050 (1655). When the CD-type electronic money in the form of a virtual CD-ROM is installed in the payment system of the customer 1050, the electronic money exchange system 800 outputs a message on the exchange result (1660) and ends the electronic money exchange service.

When the electronic money exchange service is terminated from the prepaid card type electronic money to the CD type electronic money as described above, the customer 1050 uses the CD type electronic money in the form of a virtual CD-ROM reissued in the electronic money exchange system 800. The payment is made, and the payment amount is settled in a postpaid manner through a representative credit card of the electronic money exchange system 800.

Fig. 17 is a simple flowchart of a process of processing a payment using a CD-type electronic money in the form of a virtual CD-ROM which is exchanged.

In order to pay using a CD-type electronic money in the form of a virtual CD-ROM, a CD-type electronic money in the form of a virtual CD-ROM reissued by the electronic money exchange system 800 must first be installed in the payment system of the customer 1050. In operation 1700, the CD-type electronic money in the form of a virtual CD-ROM installed in the payment system of the customer 1050 monitors the payment process of the customer 1050 in real time (1705).

If the customer 1050 attempts to pay using the exchanged CD-type electronic money, the payment monitoring program in the virtual CD-ROM uses the CD-type money exchanged from the customer 1050. In operation 1710, the electronic money exchange system 800 transmits the information that the user intends to perform the operation. In addition, the customer 1050 tracks the amount of money to be settled using a virtual CD-ROM type of electronic money in real time (1720), thereby preventing the customer 1050 from processing more than the exchange amount. .

If the customer 1050 attempts to pay with the CD-type electronic money in the form of a virtual CD-ROM above the exchanged amount (1730), the limit setting program in the virtual CD-ROM refuses the payment, and the electronic money exchange error message is displayed. After outputting (1735), the payment using the CD-type electronic money in the form of a virtual CD-ROM is rejected. On the contrary, if the customer 1050 requests payment processing within the limit of the exchanged amount, the CD-type electronic money in the form of a virtual CD-ROM transmits payment approval information and related information necessary for payment to the electronic money exchange system 800. (1725)

When the payment approval information and payment related information of the CD-type electronic money is transmitted from the customer 1050 to the electronic money exchange system 800, the electronic money exchange unit 810 of the electronic money exchange system 800 corresponds to the payment balance. Create a CD-type electronic money in the form of a virtual CD-ROM (1740) and send it to the customer 1050, which is the virtual equivalent of the balance from the electronic money exchange system 800 to the customer's payment system 1050. Repeat until the transmission of the CD-type electronic money in the form of a CD-ROM (1745).

When the CD-type electronic money in the form of a virtual CD-ROM corresponding to the balance is transferred from the electronic money exchange system 800 to the payment system of the customer 1050, the virtual CD-ROM type mounted in the payment system of the customer 1050 is transferred. CD-type electronic money will finally approve payment processing. When the payment using the CD type electronic money in the virtual CD-ROM is finally processed (1750), the existing type CD electronic money in the virtual CD-ROM type installed in the payment system of the customer 1050 is automatically destroyed (1760). In this way, the new virtual CD-ROM type CD electronic money corresponding to the balance is reinstalled (1765).

When the CD-type electronic money in the form of a new virtual CD-ROM corresponding to the balance is normally installed in the payment system of the customer 1050, the electronic money exchange system 800 outputs a currency exchange result message (1770) and the virtual CD-ROM type. Complete electronic payment using CD-type electronic money.

18 is a simple flowchart of a process of converting a CD type electronic money into a prepaid card type electronic money.

When the customer 1050 logs into the electronic money exchange system 800 to convert his own CD-type electronic money into a prepaid card-type electronic money, the electronic money exchange unit 810 will display the actual payment amount and the final currency exchange amount. In operation 1800, a prepaid card type electronic money is selected as the exchanged electronic money (1805).

When the actual payment amount and the exchange amount is determined as described above, and the electronic money type to be exchanged is selected as the prepaid card type author money, the electronic money exchange unit 810 exchanges the prepaid card type electronic money selected by the corresponding customer 1050. Check if there is a prepaid card type electronic money (1810). If the electronic money exchange system 800 has a prepaid card type electronic money that can be exchanged and reissued to the customer 1050, the electronic money exchange unit 810 is configured for the prepaid card type electronic money corresponding to the exchange amount. Prepaid card type author money information such as card number, authorization number, password, etc. is extracted (1815). However, if the electronic money exchange system 800 does not have a prepaid card type electronic money to be reissued to the customer 1050 (1820), the electronic money exchange unit 810 outputs an electronic money exchange error message to the customer 1050. The electronic money exchange service is terminated (1825).

When the exchange information on the prepaid card type electronic money is normally extracted in the above process, the electronic money exchange unit 810 selects the CD type electronic money as the electronic money to be exchanged (1830), and uses the same process as shown in FIG. Through payment to the actual payment amount through (1835).

When the payment for the exchange service is completed through the CD-type electronic money, the electronic money reissue unit 815 provides the customer 1050 with the card number, authorization number, and password of the prepaid card type electronic money corresponding to the exchange amount. When the transfer is completed (1840), when the transfer is completed, a message is output to the customer 1050 that the exchange of the IC card type electronic money 1035 to the prepaid card type electronic money is normally performed (1850), and the electronic money exchange service is terminated. do.

19 and 20 are simple block diagrams for converting a prepaid card type electronic money into an electronic wallet type electronic money or converting an electronic wallet type electronic money to a prepaid card type electronic money, and in particular, FIG. 19 is an electronic wallet program. (1920) is embedded in the customer 1050 computer, Figure 20 is for the case where the customer's electronic wallet program (1920) is present on a server on the Internet.

Electronic wallet electronic money is not only a storage value that can be used by the customer 1050 on the Internet, but also a personal authentication key, certificate, online transaction history information, and online payment for the credit or debit card held by the customer 1050. And a program in which transaction information is encrypted, such as a user PC storage type and an Internet server storage type depending on where the electronically stored storage value and payment information are stored on the network.

Since the user's PC storage electronic wallet has an electronic wallet program 1920 in the personal computer of the customer 1050, the security value of the customer's storage value and payment information is relatively excellent, but the electronic wallet program 1920 There is a disadvantage that payment is possible only on the computer of the installed customer 1050, and the Internet server storage electronic wallet has a digital wallet program 1920 of the customer 1050 on a server on the Internet such as the electronic wallet provider 1905. Because it exists, payment can be made from any computer connected to the Internet, but the electronic wallet of the customer 1050 can be easily stolen through a method such as IP spoofing or packet sniffing.

However, e-wallet type electronic money, a purely network type electronic money that uses only the stored value existing on the network without using hardware such as IC card or CD, can be issued immediately from the electronic wallet provider 1905. It can be characterized.

Therefore, in the present embodiment, the method of converting the prepaid card of the customer 1050 into the electronic wallet type electronic money, after the electronic money exchange unit 810 of the electronic money exchange system 800 calculates the actual payment amount and the exchange amount The prepaid card type electronic money purchase unit 835 pays the prepaid card of the customer 1050 by the actual payment amount and transfers the stored value of the prepaid card type electronic money to the electronic money exchange system 800, and the electronic wallet type. Through the method in which the electronic money reissue unit 860 requests for issuing or charging the electronic wallet type electronic money from the exchange money purse provider 1905 to the customer 1050 using the member information of the customer 1050, the customer The prepaid card type electronic money at 1050 is exchanged for the electronic wallet type electronic money.

How to exchange the prepaid card type electronic money of the customer 1050 into the user PC storage electronic wallet, when the customer 1050 logs in to the electronic money exchange system 800, and requests to exchange the electronic wallet type electronic money, The electronic money exchange system 800 checks whether the electronic wallet of the customer 1050 exists in the electronic wallet provider 1905 by using the member information and network information of the computer of the customer 1050, and then, if the customer 1050 is present. If there is no e-wallet for, request that the e-wallet program 1920 corresponding to the exchange amount be issued to the computer of the customer 1050, and conversely, if the customer 1050 already requested to exchange the e-wallet, The electronic wallet of the customer 1050 is requested to be charged a storage value corresponding to the exchange amount.

How to exchange the prepaid card type electronic money of the customer 1050 into the Internet server type wallet, when the customer 1050 logs in to the electronic money exchange system 800 and requests to exchange the electronic wallet type electronic money, electronic money The exchange system 800 checks whether the electronic wallet of the customer 1050 exists in the electronic wallet provider 1905 as described above, and then issues the storage value corresponding to the currency exchange amount so that the customer 1050 who requested the exchange can use the exchange value. Request or to charge the electronic wallet of the customer 1050.

21 is a simple flowchart of a process of converting a prepaid card type electronic money into a user PC type electronic wallet.

When the customer 1050 logs into the electronic money exchange system 800 to exchange his prepaid card with his / her PC type electronic wallet, the electronic money exchange unit 810 exchanges the actual payment amount required for the exchange and the final currency exchange. The amount is calculated (2100), and the user PC type electronic wallet is selected as the exchanged electronic money (2105).

When the electronic money is converted into the electronic money to be exchanged, the electronic money exchange unit 810 uses the member information of the customer 1050 who requested the exchange and the customer 1050 computer information to inform the customer of the electronic money provider. Check whether the electronic wallet exists (2110).

If there is an electronic wallet of the customer 1050 (2120), the electronic money exchange unit 810 logs in to the electronic wallet provider 1905 in the name of the customer 1050 (2125). On the contrary, if the electronic wallet of the customer 1050 does not exist in the electronic wallet provider 1905, the electronic money exchange unit 810 uses the member information of the electronic currency exchange system 800 to contact the electronic wallet provider 1905. Requests for automatic membership (2115) and requests to install and transmit the electronic wallet from the electronic wallet provider 1905 to the computer of the customer 1050 using the computer and network information of the customer 1050 (2130).

When the electronic wallet issued by the electronic wallet provider 1905 is transferred to the computer of the customer 1050 and installed, the electronic money exchange unit 810 selects a prepaid card as the electronic money to be exchanged (2135). Check whether the payment for the exchange service is possible with the prepaid card type electronic money held at 1050 (2140). If payment of the prepaid card type electronic money held by the customer 1050 is possible, the prepaid card type electronic money purchase unit 835 may store the stored value corresponding to the actual payment amount through the prepaid card from the customer 1050. The value transfer to the electronic money exchange system 800 (2145).

However, if the stored value of the prepaid card type electronic money held by the customer 1050 cannot be transferred to the electronic currency exchange system 800 (2150), the electronic currency exchange system 800 outputs an electronic currency exchange error message. 2155, the electronic money exchange service is terminated.

When the storage value of the prepaid card type electronic money held by the customer 1050 is transferred to the electronic money exchange system 800, the electronic wallet type electronic money reissue unit 860 is an electronic wallet at the electronic money exchange unit 810. The electronic wallet provider 1905 requests the electronic wallet provider 1905 to charge the stored value corresponding to the exchanged amount in the electronic wallet installed on the computer of the customer 1050 through the supplier 1905 (2160).

When the stored value corresponding to the exchange amount is charged in the electronic wallet installed in the computer of the customer 1050 through the above process, the electronic money exchange system 800 outputs a currency exchange result message (2165), and the electronic money exchange service. To exit.

22 is a simple flowchart of a process of converting a prepaid card type electronic money into an Internet server type wallet.

When the customer 1050 logs in to the electronic money exchange system 800 to exchange his prepaid card with the Internet server type wallet, the electronic money exchange unit 810 exchanges the actual payment amount and the final currency required for the exchange. After calculating the amount (2200), selecting the Internet server-type electronic wallet as exchanged electronic money (2205), and using the member information and customer (1050) computer information of the customer (1050) requesting the exchange, the electronic money provider inside Check if the electronic wallet of the customer 1050 exists.

If there is an electronic wallet of the customer 1050 in the electronic wallet provider 1905 (2220), the electronic money exchange unit 810 logs in to the electronic wallet provider 1905 in the name of the customer 1050 (2225). ). On the contrary, if the electronic wallet of the corresponding customer 1050 does not exist inside the electronic wallet provider, the electronic money exchange unit 810 uses the member information of the electronic currency exchange system 800 to automatically register the electronic wallet provider 1905 with the electronic wallet provider 1905. A request is made (2215) and an electronic wallet of the customer 1050 is created inside the electronic wallet provider 1905 (2230).

As described above, when the electronic wallet of the customer 1050 who requests exchange in the electronic wallet provider 1905 is generated, the electronic money exchange unit 810 selects a prepaid card as the electronic currency to exchange (2235), and the customer 1050. Check whether it is possible to pay for the exchange service with the prepaid card-type electronic money held by the) (2240). If payment of the prepaid card type electronic money held by the customer 1050 is possible, the prepaid card type electronic money purchase unit 835 may store the stored value corresponding to the actual payment amount through the prepaid card from the customer 1050. The value transfer to the electronic money exchange system 800 (2245).

However, if the stored value of the prepaid card type electronic money held by the customer 1050 cannot be transferred to the electronic currency exchange system 800 (2250), the electronic currency exchange system 800 outputs an electronic currency exchange error message. (2255), the electronic money exchange service is terminated.

When the stored value of the prepaid card type electronic money held by the customer 1050 is transferred to the electronic money exchange system 800, the electronic wallet type electronic money reissue unit 860 of the electronic money exchange system 800 is electronic money. The electronic wallet provider 1905 requests the electronic wallet provider 1905 to charge the stored value corresponding to the amount of money exchanged in the electronic wallet of the customer 1050 created inside the electronic wallet provider 1905 by the currency exchange unit 810 (2260). .

When the stored value corresponding to the exchange amount is charged in the electronic wallet created inside the electronic wallet provider 1905 through the above process, the electronic money exchange system 800 outputs a currency exchange result message (2265), and electronic money. Shut down the exchange service.

23 is a simple flowchart of a process of converting a user PC type electronic wallet or an Internet server type electronic wallet into a prepaid card type electronic money.

When the customer 1050 logs in the electronic money exchange system 800 to convert his own electronic wallet type electronic money into a prepaid card type electronic money, the electronic money exchange part 810 exchanges the actual payment amount and the final currency exchange. The amount is calculated (2300), and the prepaid card type electronic money is selected as the exchanged electronic money (2305). Then, the electronic money exchange unit 810 checks whether the customer 1050 has a prepaid card type electronic money that can be converted into a prepaid card type electronic money selected by the customer 1050 (2310).

If the electronic money exchange system 800 has a prepaid card type electronic money that can be exchanged and reissued to the customer 1050, the electronic money exchange unit 810 is configured for the prepaid card type electronic money corresponding to the exchange amount. Prepaid card type author money information such as a card number, an authorization number, and a password is extracted (2315). However, if the electronic money exchange system 800 does not have a prepaid card type electronic money to be reissued to the customer 1050 (2320), the electronic money exchange unit 810 outputs an electronic money exchange error message to the customer 1050. (2325), the electronic money exchange service is terminated.

When the exchange information of the prepaid card type electronic money is extracted as described above, the electronic money exchange unit 810 selects the electronic wallet type electronic money as the electronic money to be exchanged (2330), and sets the given electronic wallet type electronic money payment method. Accordingly, the payment is made through the electronic wallet-type electronic money purchaser 830 as much as the actual payment amount determined by the electronic money exchanger 810 (2335).

When the payment for the currency exchange service is completed through the electronic wallet-type electronic money purchase unit 830, the electronic money reissue unit 815 tells the customer 1050 the card number and authorization number of the prepaid card type electronic money corresponding to the exchange amount. , And transmits the password (2340), and outputs the result to the customer 1050 as a message (2350) to terminate the electronic money exchange service.

24 is a simple block diagram for the case of exchanging different types of prepaid card type electronic money A and prepaid card type electronic money B. As shown in FIG.

Prepaid card type electronic money is the most common type of electronic money used on the Internet. After purchasing a prepaid card at an online prepaid card store (1045), the card number, authorization number, and secret printed on the prepaid card are used. The number is used to make electronic payments on the Internet. At this time, the prepaid card sold in the online and offline prepaid card store 1045 is determined in a specific currency, and what the customer 1050 uses for payment on the Internet is a card in which the prepaid card itself is printed on the prepaid card. Authentication keys such as numbers, authorization numbers, and passwords.

Accordingly, in order for the electronic money exchange system 800 to exchange different types of prepaid cards, each prepaid card type electronic money must be purchased in advance from the corresponding prepaid card store 1045, and the customer 1050 himself or her own. The electronic money exchange system 800 converts the prepaid card held by the customer into another prepaid card. The electronic money exchange system 800 stores the stored value of the prepaid card type electronic money held by the customer 1050 in the electronic money exchange system 800. Transfer the value to the electronic money exchange system 800, and transmit the authentication key of the prepaid card type electronic money that the electronic money exchange system 800 already holds to the corresponding customer 1050, so that the customer 1050 can purchase the exchanged prepaid card type electronic money. To be able.

However, in the case of converting the prepaid card type electronic money held by the customer 1050 into the prepaid card type electronic money held by the electronic money exchange system 800, the prepaid card type electronic money of the customer 1050 is exchanged. The amount of payment to transfer the value to the electronic money exchange system 800 and the amount of money exchanged by the electronic money exchange system 800 to the customer 1050 are inconsistent due to fees such as payment fees and exchange fees processed during the exchange process. Do not.

Therefore, the storage value of the prepaid card type electronic money exchanged by the electronic money exchange system 800 to the customer 1050 is not a flat fee prepaid card that provides the prepaid card at the store, but a payment fee determined by the electronic money exchange part 810. And the remaining balance after prepaying the exchange fee.

25 is a simple flowchart of a process of exchanging different types of prepaid card type electronic money.

When the customer 1050 logs in the electronic money exchange system 800 to exchange his prepaid card type electronic money A with his prepaid card type electronic money B, the electronic money exchange unit 810 The actual payment amount and the final exchange amount required to exchange the prepaid card type electronic money (A) to the prepaid card type electronic money (B) are calculated using the payment fee and the exchange fee (2500). When the customer 1050 selects the prepaid card type electronic money as the electronic money exchanged through the electronic money exchange unit 810 (2505), the electronic money exchange unit 810 selects the prepaid card type selected by the corresponding customer 1050. It is checked whether the user has a prepaid card type electronic money that can be exchanged for electronic money (B) (2510).

If the electronic money exchange system 800 has a prepaid card type electronic money that can be exchanged and reissued to the customer 1050, the electronic money exchange system 800 has a prepaid card type electronic money (B) that it holds. ) And the storage value of the prepaid card-type electronic money (B), which is exchanged by prepaying the remaining amount, by matching the exchange value determined by the electronic currency exchange unit 810 with the remaining value corresponding to the exchange amount. 2515), information such as a card number, an authorization number, and a password to be transmitted to the customer 1050 requesting currency exchange is extracted (2530).

However, if the electronic money exchange system 800 does not have a prepaid card type electronic money to be reissued to the customer 1050 (2520), the electronic money exchange unit 810 outputs an electronic money exchange error message to the customer 1050. (2525), the electronic money exchange service is terminated.

When the exchange information of the prepaid card-type electronic money (B) is extracted as described above, the electronic money exchange unit 810 selects the prepaid card-type electronic money (A) as the electronic money to be exchanged (2535), and the prepaid card type. According to the electronic money payment method, the value of storage of the prepaid card type electronic money A held by the customer 1050 is transferred to the electronic money exchange system 800 through the prepaid card type electronic money purchase unit 835 ( 2540).

When the stored value of the prepaid card type electronic money A held by the customer 1050 is transferred to the electronic money exchange system 800 through the above process, the electronic money reissue unit 815 is the customer 1050. End the electronic money exchange service by sending the card number, authorization number, and password of the prepaid card type electronic money corresponding to the exchange amount to the customer (2545), and outputting the result to the customer 1050 (2555). do.

FIG. 26 is a simple block diagram of a case of converting a prepaid card type electronic money into a mobile electronic money or a mobile electronic money into a prepaid card type electronic money.

The mobile electronic money has a payment approval type and a password input type, and the payment approval mobile electronic money purchases the electronic money through the electronic money provider before the purchase activity of the customer 1050 occurs, thereby saving the electronic money. The value is stored electronically inside the mobile telecommunications provider or the wireless communication terminal of the customer 1050, and then charged for the purchase value for the stored value in the mobile telecommunication fee of the customer 1050, and the password-type mobile electronic money. When the purchase activity of the customer 1050 is issued, the electronic money provider transmits the password through the mobile carrier to the wireless communication terminal of the customer 1050, and the customer 1050 inputs it via the wired Internet. After demonstrating the integrity and non-repudiation of the purchase behavior of 1050, the customer 1050 charges the purchase to the mobile communication fee.

As a result, payment authorization mobile electronic money and password input mobile electronic money may differ only in what process and method the electronic money provider charges the storage value corresponding to the purchase price to the mobile communication fee of the customer 1050. In addition, billing the purchase price of the customer 1050 to the mobile communication fee is the same as the payment authorization type or password input type.

That is, in the present invention, the IC card type electronic money 1035, the CD type electronic money, the electronic wallet type electronic money, the prepaid card type electronic money, and the electronic securities are converted into mobile electronic money. After transferring the stored value for the electronic money exchange system 800, the stored value held by the electronic money exchange system 800 is added to the mobile communication fee of the customer 1050 who requested the exchange.

Therefore, in the present embodiment, the exchange of prepaid card type electronic money into mobile electronic money is performed by the electronic money exchange unit 810 of the electronic money exchange system 800 after calculating the actual payment amount and the exchange amount, and then purchasing electronic money. The unit 805 transfers the stored value of the prepaid card-type electronic money held by the customer 1050 to the electronic money exchange system 800, and the mobile carrier's customer (e.g., the mobile electronic money reissue unit 870). 1050) The money will be settled in the communication fee as much as the exchange amount.

The mobile communication system includes a wireless communication system such as a mobile switching center (MSC), a base station controller (BSC), and a base-station transceiver subsystem, and an operation preservation device and subscriber that manages and monitors network operations. It consists of a Home Location Register (HLR) that stores registration and personal information, and a VLR (Visitor Location Register) that stores information for roaming services. The mobile communication fee processing unit calculates a communication fee based on the mobile communication usage time and various additional service data processed by the exchange, the control station, and the base station based on the subscriber D / B stored in the HLR. It stores it in B2625 and manages it.

The electronic money exchange system 800 transfers the stored value of the prepaid card type electronic money held by the customer 1050 to the electronic money exchange system 800, and then transfers the stored value corresponding to the exchange amount in FIG. 26. After requesting to settle the communication rate D / B 2625 of the customer 1050 through the communication rate processing unit 2615, the electronic money exchange system 800 through the fund settlement system 2600 connected to a financial institution By settlement of funds corresponding to the exchange amount from the bank of the bank to the mobile operator bank 2610, the prepaid card-type electronic money is converted into mobile electronic money.

FIG. 27 is a simple illustration of a case where the storage value of the prepaid card type electronic money exchanged in the mobile communication fee is settled in the mobile communication fee of the customer 1050 after the prepaid card type electronic money is converted into the mobile electronic money. .

In FIG. 17, the amount of exchange of a prepaid card type electronic money coin in a mobile electronic money in the electronic money exchange system 800 to the customer 1050 is 10,000 won, and the communication fee paid by the customer 1050 to the mobile carrier is total communication. This is the amount less than 10,000 won, which is equivalent to the exchange amount.

The electronic money exchange system 800 determines the actual payment amount and the exchange amount required for the exchange through the electronic money exchange unit 810, and then prepaid card type electronic money purchase unit of the prepaid card type electronic money coin of the customer 1050 ( 835 and through the mobile electronic money reissue unit 870 to settle the amount corresponding to the exchange amount of the mobile communication fee of the customer 1050 to the mobile carrier through the fund settlement system 2600, prepaid card type Convert electronic money into mobile electronic money.

The process takes place independently of the mobile electronic money provider (ecoin), and through a strategic alliance between the electronic money exchange system 800 and the mobile carrier, after entering into an agreement to pay a part of the communication fee of the customer 1050 instead. The amount corresponding to the stored value transferred from the customer 1050 to the electronic money exchange system 800 is settled in the communication fee of the customer 1050.

In the present invention, a method of converting an IC card type electronic money 1035, a CD type electronic money, an electronic wallet type electronic money, a prepaid card type electronic money, and an electronic security into a mobile electronic money is further provided. Provides a way to pay bills in electronic money, pays telecom bills using basic giro paper, pays bills using direct debit, and supplements to pay bills using credit card, or new bills to pay bills It is a means.

In the case of paying the mobile communication fee using electronic money, the customer 1050 previously transfers the amount to be paid to the electronic money exchange system 800, and then transfers the amount corresponding to the communication fee to the communication fee payment date. If a payment request is made to the user or the carrier pays a communication fee from the carrier 1050, the amount corresponding to the payment amount may be settled and paid to the carrier through the electronic money exchange system 800.

28 is a simple flowchart of a process of converting a prepaid card type electronic money into a mobile electronic money.

When the customer 1050 logs in the electronic money exchange system 800 to convert his prepaid card type electronic money into mobile electronic money, the electronic money exchange unit 810 displays the actual payment amount and the final currency exchange amount. If the mobile electronic money is selected as the electronic money to be exchanged (2800) (2805), the electronic money exchange system 800 is connected to the mobile communication charge processing unit 2615 of the mobile carrier through the electronic money exchange unit 810. By checking whether the funds can be settled, it is checked whether it is possible to exchange money from the prepaid card type electronic money of the customer 1050 to the mobile electronic money (2810).

If the exchange of the mobile electronic money selected by the customer 1050 is possible, the electronic money exchange unit 810 requests the customer 1050 to select a prepaid card for exchange (2815). However, if the subscriber information of the customer 1050 is not present in the mobile carrier's subscriber D / B 2620 (2820), or if the mobile carrier is unable to process the fund settlement request of the electronic money exchange system 800, The electronic money exchange unit 810 outputs an electronic money exchange error message (2825), and terminates the electronic money exchange service.

After confirming that the exchange service requested by the customer 1050 is possible through the above process, the electronic money exchange unit 810 selects the prepaid card type electronic money to be exchanged, and the prepaid card type electronic money selected by the customer 1050. Check whether payment is possible (2830). If payment of the prepaid card type electronic money held by the customer 1050 is possible, the prepaid card type electronic money purchase unit 835 may store the stored value corresponding to the actual payment amount through the prepaid card from the customer 1050. The value transfer to the electronic money exchange system 800 (2835).

However, if the stored value of the prepaid card type electronic money held by the customer 1050 cannot be transferred to the electronic currency exchange system 800 (2840), the electronic currency exchange system 800 outputs an electronic currency exchange error message. (2825), the electronic money exchange service is terminated.

When the stored value of the prepaid card type electronic money held by the customer 1050 is transferred to the electronic money exchange system 800, the electronic money exchange unit 810 and the mobile electronic money reissue unit of the electronic money exchange system 800 are transferred. In operation 870, the mobile communication company's mobile communication fee processing unit 2615 requests to settle an amount corresponding to the money exchange amount to the communication fee of the customer 1050.

If the mobile communication processing unit is allowed to settle the money exchange amount in the communication fee of the customer 1050, the mobile electronic money reissue unit 870 of the electronic money system uses the electronic money exchange system (600) through the money settlement system 2600. In operation 800, the amount of money corresponding to the exchange amount is settled to the transaction bank 2610 of the mobile communication company. On the contrary, if the client 1050 refuses to settle the funds (2855), the electronic currency exchange system 800 outputs an electronic currency exchange error message (2825), and terminates the electronic currency exchange service.

Through the above process, when the storage value corresponding to the exchange amount of the customer 1050 is settled from the bank of the electronic currency exchange system 800 to the mobile communication bank 2610, the electronic currency exchange system 800 ) Outputs a currency exchange result message (2860) and ends the electronic money exchange service.

29 is a simple flowchart for the case of converting a mobile electronic money into a prepaid card type electronic money.

When the customer 1050 logs in the electronic money exchange system 800 to exchange the mobile electronic money into a prepaid card type electronic money, the electronic money exchange unit 810 calculates the actual payment amount and the final currency exchange amount (2900). In operation 2905, a prepaid card type electronic money is selected as the electronic money being exchanged. Then, the electronic money exchange unit 810 checks whether the customer 1050 holds the prepaid card-type electronic money selected by the customer in exchange (2910).

If the electronic money exchange system 800 has a prepaid card type electronic money that can be exchanged and reissued to the customer 1050, the electronic money exchange unit 810 is configured for the prepaid card type electronic money corresponding to the exchange amount. Prepaid card type author money information such as a card number, an authorization number, and a password is extracted (2915).

However, if the electronic money exchange system 800 does not have a prepaid card type electronic money to be reissued to the customer 1050 (2920), the electronic money exchange unit 810 outputs an electronic money exchange error message to the customer 1050. (2925), the electronic money exchange service is terminated.

When the exchange information of the prepaid card type electronic money is extracted as described above, the electronic money exchange unit 810 selects the mobile electronic money as the electronic money to be exchanged (2930), and exchanges the electronic money according to the given mobile electronic money payment method. The stored value of the mobile electronic money held by the customer 1050 is transferred to the electronic money exchange system 800 through the mobile electronic money purchase unit 840 by the actual payment amount determined in the unit 810 (2935).

When the payment for the exchange service is completed through the mobile electronic money purchase unit 840, the electronic money reissue unit 815 sends the customer 1050 the card number, the authorization number, and the prepaid card type electronic money corresponding to the exchange amount. The electronic money exchange service is terminated by transmitting a password or the like (2940) and outputting the result to the customer 1050 in a message (2950).

According to the present invention, it is possible to exchange and exchange different electronic money or electronic securities on the Internet, thereby allowing the client to use all payment processing means on the Internet as a single electronic money or electronic security, It is effective to allow all the necessary websites on the Internet to accept all electronic money or electronic securities on the Internet as a single payment processing means without establishing a plurality of payment processing means.

Claims (31)

It is composed of a web server for providing a currency exchange service of electronic money or electronic securities on the Internet, and at least one client for exchanging the electronic money or electronic securities through the web server, Receive the type of electronic money or electronic securities owned by the client and the type and the exchange amount of electronic money or electronic securities to be exchanged to the client, and extract and pay from the electronic money or electronic securities owned by the client. An electronic money exchange unit for presuming the amount to be processed and the deposit amount of electronic money or electronic securities to be exchanged and provided to the client; Purchase electronic money or electronic securities to be exchanged from the client according to the assumed payment processing amount, and purchase electronic money for transferring the ownership of the electronic money held by the client to the electronic money exchange system in the web server. part; And An electronic money re-issuing unit which reissues electronic money or electronic security to the client and provides the client according to the deposit amount assumed through the electronic money exchange unit and the type of electronic money or electronic security of the client desired form; Characterized in that comprises; An exchange system for electronic money and electronic securities for exchanging or exchanging different types of electronic money and electronic securities through the respective components. The method of claim 1, wherein the electronic money exchange unit, And a function of automatically setting a fee or a service fee based on the type of electronic money or electronic securities owned by the client, the type of electronic money or electronic security to be exchanged to the client, and the amount of money exchanged. Exchange system of electronic money and electronic security, characterized in that made. The method of claim 1, wherein the electronic money embedding unit, If the type of electronic money owned by the client is a prepaid card type electronic money, An exchange system for electronic money and electronic securities, further comprising an IC card type electronic money purchasing unit for transferring ownership of the prepaid card type electronic money held by the client to the electronic money exchange system in the web server. . The method of claim 1, wherein the electronic money embedding unit, When the type of electronic money owned by the client is a CD type electronic money, And a CD type electronic money purchaser configured to transfer the ownership of the CD type electronic money held by the client to the electronic money exchange system in the web server. The method of claim 1, wherein the electronic money embedding unit, When the type of electronic money owned by the client is an electronic wallet type electronic money, A system for converting electronic money and electronic securities, further comprising an electronic wallet-type electronic money purchaser for transferring ownership of the electronic wallet-type electronic money held by the client to the electronic money exchange system in the web server. . The method of claim 1, wherein the electronic money embedding unit, If the client-owned electronic money is an electronic security, And an electronic securities purchaser for transferring value of the electronic securities held by the client to the electronic money exchange system in the web server. The method of claim 1, wherein the electronic money embedding unit, When the type of electronic money owned by the client is mobile electronic money, And a mobile electronic money purchase unit configured to transfer the ownership of the mobile electronic money held by the client to the electronic money exchange system in the web server. The method of claim 1, wherein the electronic money reissues, If the type of electronic money subject to exchange is a prepaid card type electronic money, Extracting a prepaid card-type electronic money corresponding to the exchange amount to be exchanged and provided to the client and the prepaid card type including information data (card number, authorization number, and password data) of the extracted prepaid card-type electronic money to the client; And a prepaid card-type electronic money reissue unit for providing information data necessary for payment in electronic money). The method of claim 1, wherein the electronic money reissues, If the type of electronic money subject to exchange is an IC card type electronic money, A prepaid card type electronic money reissue section for transferring the deposit amount corresponding to the money exchange amount to the client's IC card type electronic money designated account by referring to the money exchange amount and IC card type electronic money information data to be exchanged and provided to the client. Exchange system of electronic money and electronic security, characterized in that it comprises. The method of claim 1, wherein the electronic money reissues, When the type of electronic money subject to exchange is a CD type electronic money, And a CD-type electronic money reissue unit for generating a virtual CD-ROM having a deposit amount corresponding to the exchange amount and providing the virtual CD-ROM to the client with reference to the exchange amount to be exchanged and provided to the client. Exchange system of electronic money and electronic security, characterized in that. The method of claim 1, wherein the electronic money reissues, When the type of electronic money subject to exchange is an electronic wallet type electronic money, Reissue the electronic wallet type electronic money requesting the client's electronic wallet type electronic money provider to charge the deposit amount corresponding to the exchange amount, referring to the exchange amount and the electronic wallet type electronic money selection data to be exchanged and provided to the client. Exchange system for electronic money and electronic security, characterized in that it further comprises a wealth. The method of claim 1, wherein the electronic money reissues, When the type of electronic money subject to exchange is a mobile electronic money, Electronic money and electronics further comprises a mobile electronic money reissue unit for calculating the deposit amount corresponding to the exchange money amount from the mobile communication terminal owned by the client with reference to the money exchange amount to be exchanged and provided to the client Exchange system of securities. The method of claim 1, wherein the electronic money reissues, If the type of electronic money subject to exchange is electronic securities, And an electronic security reissue unit for transferring the electronic security of the electronic money exchange system owned by the web server to the client, with reference to the exchange amount to be exchanged and provided to the client. Exchange system of securities. It is composed of a web server for providing a currency exchange service of electronic money or electronic securities on the Internet, and at least one client for exchanging the electronic money or electronic securities through the web server, A first step of receiving, from the client, money data to be exchanged and selection data of electronic currency or electronic security type to be exchanged with electronic currency or electronic security type to be exchanged owned by the client; The amount of money to be extracted and processed from the electronic money or electronic securities owned by the client, and the deposit amount of the electronic money or electronic securities to be exchanged and provided to the client by referring to the client's exchange money and the selected data. Step 2; A third step of extracting and paying an exchange target amount from the electronic money or electronic securities owned by the client and transferring the stored value of the electronic money or electronic securities owned by the client to the electronic money exchange system in the web server; ; A fourth step of reissuing the electronic money or the electronic security corresponding to the exchange amount to the client by referring to the exchange amount to be exchanged and provided to the client; A method of exchanging electronic money and electronic securities for exchanging or exchanging different types of electronic money and electronic securities through the above steps. 15. The method of claim 14, wherein the electronic currency or electronic securities subject to exchange that are owned by the client in the first step are: Prepaid card type electronic money; and IC card type electronic money; and CD type electronic money; and Electronic wallet type electronic money; And Mobile electronic money; and Consisting of all electronic money or electronic securities, including electronic securities; The type of electronic money or electronic securities exchanged and provided to the client in the first step is Prepaid card type electronic money; and IC card type electronic money; and CD type electronic money; and Electronic wallet type electronic money; And Mobile electronic money; and The electronic money and electronic currency and the exchange method of electronic security, characterized in that consisting of all electronic money, including electronic securities. The method of claim 14, wherein the first step, The method of exchanging electronic money and electronic securities, further comprising inputting all kinds of electronic money information data held by the client when the client registers. The method of claim 14, wherein the second step, And automatically setting a fee or a service fee based on the type of electronic money or electronic securities owned by the client and the type and amount of electronic money or electronic securities to be exchanged to the client. Exchange method of electronic money and electronic security, characterized in that made. It consists of a web server for converting a prepaid card type electronic money into an IC card type electronic money on the Internet and at least one client for converting the prepaid card type electronic money into an IC card type electronic money through the web server, A first step of receiving money amount data to be exchanged from the client, prepaid card type electronic money information data already owned by the client, and IC card type electronic money information data to be exchanged; A second step of presuming the amount of payment to be processed in the prepaid card type electronic money owned by the client and the amount of deposit of the IC card type electronic money to be exchanged and provided to the client with reference to the received exchange amount data and information data; Performing a payment processing of the client owned prepaid card type electronic money to transfer the stored value of the client owned prepaid card type electronic money to an electronic money exchange system in the web server; And a fourth step of transferring the deposit amount corresponding to the exchange amount to the IC card type electronic money designated account of the client with reference to the exchange amount to be exchanged and provided to the client and the IC card type electronic money information data. Lose, A method of exchanging electronic money and electronic securities for exchanging or exchanging a client's prepaid card type electronic money with an IC card type electronic money through each of the above steps. It consists of a web server for converting the IC card-type electronic money into prepaid card-type electronic money on the Internet, and at least one client for converting the IC card-type electronic money into a prepaid card-type electronic money through the web server, A first step of receiving, from the client, money value to be exchanged, IC card type electronic money information data already owned by the client, and prepaid card type electronic money information data to be exchanged; A second step of presuming the amount of payment to be processed with the IC card type electronic money owned by the client and the amount of deposit of the prepaid card type electronic money to be exchanged and provided to the client with reference to the received exchange amount data and information data; A third step of processing payment by said client-owned IC card type electronic money to transfer the stored value of said client-owned IC card type electronic money to an electronic money exchange system in said web server; Extracting a prepaid card-type electronic money corresponding to the exchange amount to be exchanged and provided to the client and the prepaid card type including information data (card number, authorization number, and password data) of the extracted prepaid card-type electronic money to the client; A fourth step of providing information data necessary for payment in electronic money); The method of exchanging electronic money and electronic securities to exchange or exchange the IC card-type electronic money of the client to a prepaid card-type electronic money through the steps. It consists of a web server for converting a prepaid card type electronic money into a CD type electronic money on the Internet and at least one client for converting the prepaid card type electronic money into a CD type electronic money through the web server, A first step of receiving money amount data to be exchanged from the client, prepaid card type electronic money information data already owned by the client, and CD type electronic money selection data to be exchanged; A second step of presuming the amount of payment to be paid with the prepaid card type electronic money owned by the client and the amount of deposit of the CD type electronic money to be exchanged and provided to the client with reference to the received exchange amount data and information data; A third step of transferring the stored value of the client-owned prepaid card type electronic money to the electronic money exchange system in the web server by processing payment with the client's own prepaid card type electronic money; And a fourth step of generating a virtual CD-ROM in which a deposit amount corresponding to the exchange amount is set and providing the virtual CD-ROM to the client with reference to the exchange amount to be exchanged and provided to the client. A method of exchanging electronic money and electronic securities for exchanging or exchanging a prepaid card type electronic money of a client with a CD type electronic money through each of the above steps. The method of claim 20, wherein the fourth step of creating a virtual CD-ROM, When generating the virtual CD-ROM, an electronic money and electronic securities exchange is generated by inserting a limit setting code and a self-extinguishing code corresponding to the exchange amount, referring to the exchange amount to be exchanged and provided to the client. Way. It consists of a web server for converting the CD-type electronic money into prepaid card-type electronic money on the Internet and at least one client for converting the CD-type electronic money into a prepaid card-type electronic money through the web server, A first step of receiving, from the client, money amount data to be exchanged, CD type electronic money information data already owned by the client, and prepaid card type electronic money selection data to be exchanged; A second step of presuming the amount of payment to be processed in the CD type electronic money owned by the client and the amount of deposit of the prepaid card type electronic money to be exchanged and provided to the client by referring to the received exchange amount data and information data; A third step of performing payment processing by the client owned CD type electronic money to transfer the stored value of the client owned CD type electronic money to the electronic money exchange system in the web server; Extracting a prepaid card-type electronic money corresponding to the exchange amount to be exchanged and provided to the client and the prepaid card type including information data (card number, authorization number, and password data) of the extracted prepaid card-type electronic money to the client; A fourth step of providing information data necessary for payment in electronic money); A method of exchanging electronic money and electronic securities for exchanging or exchanging a CD type electronic money of a client with a prepaid card type electronic money through each of the above steps. It consists of a web server for converting the prepaid card type electronic money into electronic wallet type electronic money on the Internet and at least one client for converting the prepaid card type electronic money into electronic wallet type electronic money through the web server, A first step of receiving money amount data to be exchanged from the client, prepaid card type electronic money information data already owned by the client, and electronic wallet type electronic money selection data to be exchanged; A second step of presuming the amount of payment to be processed in the prepaid card type electronic money owned by the client and the amount of deposit of the electronic wallet type electronic money to be exchanged and provided to the client with reference to the received exchange amount data and information data; A third step of transferring the stored value of the client-owned prepaid card type electronic money to the electronic money exchange system in the web server by processing payment with the client's own prepaid card type electronic money; A fourth step of requesting the client's electronic wallet-type electronic money provider to charge the deposit amount corresponding to the currency exchange amount by referring to the exchange amount to be exchanged and provided to the electronic wallet type electronic money selection data to the client; Is done by A method of exchanging electronic money and electronic securities for exchanging or exchanging a client's prepaid card type electronic money into an electronic wallet type electronic money through each of the above steps. The method of claim 23, wherein the fourth step, If there is no electronic wallet type electronic money in the client's name, And generating an electronic wallet under the client's name by connecting to the electronic wallet-type electronic money provider. It consists of a web server for converting the electronic wallet-type electronic money into prepaid card-type electronic money on the Internet and at least one client for converting the electronic wallet-type electronic money into a prepaid card-type electronic money through the web server, A first step of receiving, from the client, money amount data to be exchanged, electronic wallet type electronic money information data owned by the client, and prepaid card type electronic money selection data to be exchanged; A second step of presuming the amount of payment to be processed in the electronic wallet type electronic money owned by the client and the amount of the prepaid card type electronic money to be exchanged and provided to the client by referring to the received exchange amount data and information data; A third step of processing payment with the electronic wallet type electronic money owned by the client, and transferring the stored value of the client owned electronic wallet type electronic money to the electronic money exchange system in the web server; Extracting a prepaid card-type electronic money corresponding to the exchange amount to be exchanged and provided to the client and the prepaid card type including information data (card number, authorization number, and password data) of the extracted prepaid card-type electronic money to the client; A fourth step of providing information data necessary for payment in electronic money); A method of exchanging electronic money and electronic securities for exchanging or exchanging electronic wallet-type electronic money of a client with a prepaid card type electronic money through each of the above steps. The electronic wallet type electronic money according to claim 23 or 25, Electronic wallet type electronic money mounted on the client owned PC; And, Electronic wallet-type electronic money that is mounted in the Internet server; Electronic money and electronic currency security exchange method comprising a. It consists of a web server that exchanges different types of prepaid card type electronic money on the Internet and at least one client that converts the prepaid card type electronic money (A) into a prepaid card type electronic money (B) through the web server. Lose, A first step of receiving money amount data to be exchanged from the client, prepaid card type electronic money (A) information data already owned by the client, and prepaid card type electronic money (B) selection data to be exchanged; The amount of payment to be processed in the prepaid card type electronic money (A) owned by the client and the amount of the deposit of the prepaid card type electronic money (B) to be exchanged and provided to the client by referring to the received exchange amount data and information data Assumed second step; A third step of payment processing by the client-owned prepaid card type electronic money (A) to transfer the stored value of the client owned prepaid card type electronic money (A) to an electronic money exchange system in the web server; Extract the prepaid card type electronic money (B) corresponding to the exchange amount to be exchanged and provided to the client, and provide the client with the information data (card number, authorization number, and password data) of the extracted prepaid card type electronic money (B). A fourth step of providing information data necessary for payment with the prepaid card-type electronic money including; A method of exchanging electronic money and electronic securities for exchanging or exchanging different types of prepaid card type electronic money through each of the above steps. A web server that converts electronic money or electronic securities into mobile electronic money (electronic money for payment processing using a mobile communication terminal) on the Internet, and converts the electronic money or electronic security into mobile electronic money through the web server. Consists of at least one client, A first step of receiving money data to be exchanged from the client and information data of the mobile electronic money to be exchanged with the type of electronic money or electronic securities subject to exchange owned by the client; A second step of estimating the amount of money to be extracted and processed from the electronic money or electronic securities owned by the client and the amount of money of the mobile electronic money to be exchanged and provided to the client by referring to the amount of money exchange and selection data of the client; A third step of extracting and paying an exchange target amount from the electronic money or electronic securities owned by the client and transferring the stored value of the electronic money or electronic securities owned by the client to the electronic money exchange system in the web server; ; A fourth step of calculating a deposit amount corresponding to the exchange amount from a mobile communication terminal owned by the client by referring to the exchange amount to be exchanged and provided to the client; A method of exchanging electronic money and electronic securities for exchanging or exchanging different types of electronic money and electronic securities with mobile electronic money through the above steps. 29. The method of claim 28, wherein the fourth step of calculating the mobile communication terminal communication fee comprises: The method of exchanging electronic money and electronic securities, wherein the money corresponding to the exchange money is settled from the trading bank of the electronic money exchange system in the web server to the trading bank of the client-owned mobile communication terminal. A web server that converts mobile electronic money (electronic money that is settled using a mobile communication terminal) into electronic money or electronic securities on the Internet, and converts the mobile electronic money into electronic money or electronic securities through the web server. Consists of at least one client, A first step of receiving, from the client, money data to be exchanged and mobile electronic money information data owned by the client (mobile communication terminal information data), selection data of an electronic money or electronic security type to be exchanged; A second step of estimating the amount of money to be extracted and processed from the mobile electronic money owned by the client and the deposit amount of electronic money or electronic security to be exchanged and provided to the client by referring to the amount of money exchange and selection data of the client; Extracting and paying an exchange target amount from the mobile electronic money owned by the client to transfer the stored value of the mobile electronic money owned by the client to the electronic money exchange system in the web server; A fourth step of reissuing the electronic money or the electronic security corresponding to the exchange amount to the client by referring to the exchange amount to be exchanged and provided to the client; The electronic money and electronic security exchange method for exchanging or exchange the mobile electronic money of the client to electronic money or electronic security through each of the steps. Claim 18, 19, or 20, or 22, or 23, or 25, or 27, or 28, or 30 The method of claim 2, wherein the second step, And automatically setting a fee or a service fee based on the type of electronic money or electronic securities owned by the client and the type and amount of electronic money or electronic securities to be exchanged to the client. Exchange method of electronic money and electronic security, characterized in that made.