KR20060006285A - System and method for exchanging a currency - Google Patents

Abstract

The present invention relates to a filling material exchange system, and more particularly, to a smart card for converting one currency into another currency and storing a plurality of currencies, and a system and method for converting a currency charged in the card into another currency. The above-mentioned filler exchange system,

A smart card that is charged with foreign currency data; A currency exchange service server for inquiring a foreign currency exchange rate information for foreign currency to an external server and providing the won exchange rate information transmitted in response to the inquiry request; Request the exchange rate information of the foreign currency selected by the user to the service server, calculate the exchange rate amount by calculating the exchange rate information exchanged by the user with the won exchange rate information transmitted from the service server and the won data accordingly And a currency exchange terminal for requesting the card to deduct the amount of foreign currency for exchange required for the exchange of the won.

Smart card, currency exchange, charging.

Description

Charging material exchange system and method and smart card for multiple currency storage used in the system {SYSTEM AND METHOD FOR EXCHANGING A CURRENCY}

1 is an exemplary view illustrating a configuration of a filling material exchange system according to an exemplary embodiment of the present invention.

2 is a block diagram of a smart card for multiple currency (currency) storage of FIG.

Figure 3 is a block diagram of a currency exchange terminal of Figure 1;

4 is a flow chart of a charge exchange according to an embodiment of the present invention.

The present invention relates to a filling material exchange system, and more particularly, to a smart card for converting one currency into another currency and storing a plurality of currencies, and a system and method for converting a currency charged in the card into another currency.

Smart card is made of plastic that is about the size of a credit card, has a microchip that can store data, can be used for various purposes such as telephone calls, electronic payments, and can be recharged and reused periodically. . Such smart cards can store more information than magnetic tape type cards and can be conveniently programmed for use, and thus are widely used for transportation fee payment, identification, and phone banking.

As already mentioned, smart cards are more secure than magnetic cards and can be useful in terms of ease of use.However, if the card is lost, the card acquirer can store the goods charged to the card. Since it can be used without any sanctions, the cardholder has the disadvantage of losing the goods charged to the card. Therefore, there is a need to explore new ways to protect the goods charged to the card.

On the other hand, smart cards are the most prevalent in Europe and are reported to be in use more than 1 billion. However, the current smart card only charges the currency of its own country, it is not possible to exchange the domestic currency already charged when traveling abroad to another currency. If the amount charged on the card can be used in other currencies, it is expected to reduce the time and economic loss for foreign exchange.

Therefore, an object of the present invention is to lock the goods charged in the smart card (locking) to prevent the loss of the charges due to the card loss, as well as to store a multi-currency smart card that can be used to store the home and foreign calls together In providing.

It is still another object of the present invention to provide a charging material exchange system and a method for exchanging one currency charged in a smart card into another currency.

Filling currency exchange system according to an embodiment of the present invention for achieving the above object,

A smart card that is charged with foreign currency data;

A currency exchange service server for inquiring a foreign currency exchange rate information for foreign currency to an external server and providing the won exchange rate information transmitted in response to the inquiry request;

Request the exchange rate information of the foreign currency selected by the user to the service server, calculate the exchange rate amount by calculating the exchange rate information exchanged by the user with the won exchange rate information transmitted from the service server and the won data accordingly And a currency exchange terminal for requesting the card to deduct the amount of foreign currency for exchange required for the exchange of the won.

In addition to the above-described configuration, the recharging material exchange system according to the embodiment of the present invention further includes a card authentication server for authenticating the smart card, the card authentication server using a card serial number transmitted through the exchange service server. It is characterized in that the authentication.

Charging material exchange method of the smart card according to an embodiment of the present invention,

Receiving foreign currency selection information and foreign currency exchange amount information for exchange from the terminal capable of transmitting and receiving data with the card;

Requesting exchange rate information providing server to transmit won exchange rate information for the selected foreign currency;

Calculating the exchange conversion amount by calculating the exchange rate for exchange rate with the won exchange rate information transmitted from the exchange rate information providing server and transmitting the exchange rate amount to the terminal;

Requesting recharging by transmitting won data according to the user's identification information on the exchange money conversion amount to the terminal;

Requesting a deduction of the foreign currency amount required to exchange the won;

And storing the goods charging information for each card.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description of the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, a detailed description thereof will be omitted.

First, FIG. 1 illustrates a configuration of a currency exchange system according to an embodiment of the present invention, and FIG. 2 illustrates a configuration of a smart card for storing multiple currencies in FIG. 1.

First, the charging and exchange money exchange system according to an embodiment of the present invention can be implemented as one system largely smart card 10 and money exchange terminal 20, money exchange service server 30 and exchange rate information providing server 50, smart It can be implemented as another system including a mobile terminal 80 having a card (IC chip), an exchange service server 30 and a currency exchange information providing server 50. Card authentication server 40 for authentication of the smart card 10 may be further included. Of course, if you use a mobile terminal will not need a separate card authentication server 40. For reference, the financial institution server 60 illustrated in FIG. 1 illustrates a server of a financial institution in which an account necessary for charging electronic money is held.

First Embodiment

Hereinafter, a description will be given of a charging and exchange money exchange system that can be configured as a smart card 10, a currency exchange terminal 20, a currency exchange service server 30 and the exchange rate information providing server 50,

First, the smart card 10 is charged with the goods of its own country and other countries. The smart card 10 includes electronic wallet memories 12 and 13 for charging and recording foreign currency data of different countries as shown in FIG. 2 and an electronic wallet memory 11 for charging and recording original currency data. do. In addition, the memory 16 further includes a memory 16 for storing personal authentication information for authenticating a card user. The personal authentication information is used to authenticate the right to access a part of the electronic wallet. In addition, the smart card 10 includes a data input / output unit 17 for transmitting and receiving information to or from a card reader, such as a general smart card.

In addition, the smart card 10 according to the embodiment of the present invention includes a control unit 14 for controlling the overall operation of the smart card 10. Taking the operation of the controller 14 as an example, the controller 14 accesses or outputs information charged in the electronic wallet memories 11, 12, and 13 or updates it with new information, but charges in one electronic wallet memory. In the request for access to the personalized information, the personal information is input and the information stored in the electronic wallet memory is accessed and output in response to the authenticity of the personal information. This is intended to minimize the loss due to the loss of the card by managing the locked (locking) the goods charged in one electronic wallet in the future. In addition to the above configuration, the smart card 10 may further include an encryption unit 15 for encrypting data transmitted and received with the card reader.

The smart card 10 having the above-described configuration basically charges and uses the original data in the electronic wallet 1 like a normal smart card, and uses the currency exchange terminal 20 to be described later to exchange the foreign currency charged in the electronic wallet 1. It is designed to be used in other countries by charging the electronic wallet 2 or the electronic wallet 3.

Meanwhile, the exchange terminal 20, which is an unmanned information terminal, is a kind of electronic money charging terminal that requests the exchange service server 30 to transmit currency exchange rate information of a foreign currency selected by the user to the currency exchange server 30 to be described later. The exchange rate information is calculated from the exchange rate information transmitted from the server 30 to calculate the exchange rate, and request the card 10 to charge the won data accordingly, while converting the foreign currency amount required for exchange of the won into the card ( It serves to request deduction from foreign currency data recorded in 10). As is already known, the original data can be charged by dividing a part of the original data received from the electronic money management company to the card 10.

The configuration of such a currency exchange terminal 20 is shown in FIG. Referring to FIG. 3, the data input / output unit 21 of the exchange terminal 20 transmits and receives a smart card 21, foreign currency data, currency exchange data, and the like, and the memory 27 is charged in the smart card 10. A series of control program data for supporting exchange of goods is stored and controlled by access to the controller 23, which will be described later. The electronic money storage 22 stores the original currency and foreign currency data charged from the electronic money management company.

The control unit 23 controls the overall operation of the exchange terminal 20 so that the charge exchange of the smart card 10 is performed according to the charge exchange exchange program data stored in the memory 27, and the network connection unit 24 It provides a physical and logical communication channel required for transmitting and receiving data with the exchange service server 30 to be described later.

In addition, the key operation unit 25 and the display unit 26, which are user interface units, function as data input devices and display devices, which are required for exchange of filling materials, respectively.

For reference, the exchange terminal 20 may further include a wireless data transmission / reception unit for transmitting and receiving a variety of information in a wireless manner with a portable terminal having a smart card.

Meanwhile, the exchange service server 30 connected to the exchange terminal 20 having the above-described configuration may be a server operated by an electronic money management company. When the exchange service server 30 requests the exchange rate information for the foreign currency from the exchange terminal 20 to request the information to the exchange rate information providing server 50, the exchange rate is transmitted in response to the inquiry request Provides information back to the corresponding exchange terminal 20. The exchange service server 30 receives and manages the charge information for each card from the exchange terminal 20, and may settle the amount of money between the card user and the service provider when using the exchanged won and foreign currency amounts.

The card authentication server 40 which is not described in FIG. 1 receives the card authentication information (chip serial number) of the smart card 10 from the currency exchange service server 30 and performs card authentication and returns the result to the exchange service server 30. It plays the role of sending to). Such card authentication may also be performed by the exchange service server 30.

Hereinafter, the filling material exchange method according to an embodiment of the present invention will be described in detail with reference to FIG. 4. It is assumed that the currency exchange terminal 20 in this embodiment is located at a travel destination. In this case, the charging goods already charged in the electronic wallet 1 (11) of the card 10 can be seen in foreign currency. In the case of exchanging such foreign currency into goods of a destination, for example, won, the present embodiment will be described.

First, the card user requests a currency exchange service to the currency exchange terminal 20 (step 110). Then, the exchange terminal 20 requests the insertion of the smart card 10, the card user inserts the smart card 10 is already charged (step 100) in the card insertion slot in response to the request. .

Then, the smart card 10 reads the card authentication information (chip serial number) from the memory 16 according to the request of the exchange terminal 20 and transmits it to the exchange terminal 20 (step 120), and the exchange terminal 20 Sends the card authentication information back to the exchange service server 30 (step 130) to request card authentication.

In this case, the exchange service server 30 transmits the card authentication information to the card authentication server 40 and requests a query, and the card authentication server 40 checks whether the transmitted card authentication information is a number issued by the company. To transfer to the exchange service server (30). The card inquiry result is transmitted to the exchange terminal 20 through the exchange service server 30 (step 150).

If the normal card inquiry result is received, the exchange terminal 20 may request the user to input personal authentication information (step 160), and the personal authentication information input in response to the request is sent to the smart card 10. Is transmitted (step 170).

Then, the smart card 10 compares the personal authentication information stored in the memory 16 when the card is issued with the card authentication information transmitted from the currency exchange terminal 20 to perform authentication (step 180). If there is no abnormality in the authentication result, the control unit 14 of the card 10 transmits the foreign currency amount information recorded in the electronic wallets 11, 12, 13 to the currency exchange terminal 20 (step 190). Accordingly, the foreign currency amount information transmitted from the card 10 is displayed on the exchange terminal 20 in step 200.

For reference, in the present embodiment, it is assumed that one or more of the electronic wallets 2 (12) or 3 (13) of the electronic wallet are locked. In this case, the goods charged in E-wallet 1 can be freely used without personal authentication, but the goods charged in E-wallet 2 or E-wallet 3 can be accessed only when the personal authentication is completed, thus preventing the loss of goods due to loss and theft. . Therefore, in FIG. 4, it is assumed that the personal authentication is completed, and thus the goods charged in all of the electronic wallets are accessed and displayed on the exchange terminal 20. If the goods are only charged in the electronic wallet 1 (11), no separate personal authentication is required.

Meanwhile, the controller 23 of the currency exchange terminal 20 displaying all foreign currency amount information requests the user to input foreign currency amount to be used for foreign currency exchange and exchange (step 210). The "foreign currency amount to be used for exchange" will be referred to as "foreign currency amount for exchange" below.

In response to the request, when the foreign currency amount for exchange and the foreign currency to be exchanged are selected and input, the exchange information terminal 20 requests the exchange service server 30 to transmit the exchange rate information of the selected foreign currency (step 220). Then, the exchange service server 30 also inquires the exchange rate of the foreign currency selected by the user to the exchange rate information providing server 50 (step 230), so that the exchange terminal 20 transmits the exchange rate information of the foreign currency selected by the user (240). Step) will be received.

When receiving the exchange rate information of the foreign currency selected by the user as described above, the control unit 23 of the currency exchange terminal 20 calculates the foreign currency exchange rate input in step 210 with the won exchange rate information transmitted from the exchange service server 30 The exchange conversion amount is calculated and displayed on the display unit 26 (250). For example, if the foreign currency exchange rate is 100 $ and the won exchange rate per 1 $ is 1170 won, the exchange rate is 117,000 won. Of course, you can deduct the exchange fee.

When the exchange rate is calculated and displayed by the above-described method, if the user confirms, the control unit 23 of the exchange terminal 20 deducts the won currency data corresponding to the calculated exchange rate and the foreign currency amount required to exchange the won. The foreign currency data is transmitted to the card 10 to request the charging of the won and foreign currency amounts (step 260). Then, the control unit 23 of the exchange terminal 20 transmits the goods charging information for each card to the money exchange service server 30 (step 270), and the currency exchange service server 30 stores and manages the goods charging information for each card ( In step 280), the goods relationship between the user, the seller of goods, and the card issuer is settled.

Meanwhile, the controller 14 of the smart card 10 that receives the request for charging the won and foreign currency amount information charges and records the exchange currency data and foreign currency data transmitted to the electronic wallet 2 (12) and the electronic wallet 1 (11), respectively. Therefore, the user of the smart card 10 can use the original data charged in the electronic wallet 2 (12) in a travel destination, such as a small payment after personal authentication.

On the contrary, if the won data remains charged, it may be exchanged into foreign currency. That is, when the control unit 23 of the currency exchange terminal 20 requests a foreign currency exchange for the foreign currency from the user, the controller 23 requests the exchange service server 30 to transmit the foreign currency exchange rate information of the corresponding foreign currency, and the exchange rate of the foreign currency input by the user. The foreign currency exchange rate is calculated and displayed by calculating with the won exchange rate information transmitted from the server 30. Upon confirmation of the user, the control unit 23 of the currency exchange terminal 20 transmits to the card 10 the foreign currency data corresponding to the foreign currency exchange amount and the original currency data deducted from the foreign currency amount required to exchange the foreign currency. As an example, the controller 14 of the smart card 10 records the original currency data to be newly updated in the electronic wallet 2 12 while charging and recording the foreign currency data corresponding to the foreign currency exchange amount in the electronic wallet 1 11.

That is, in the present invention, even when the user returns home without using the won amount charged in the electronic wallet 2 (12) at the travel destination, the won currency can be exchanged for the local currency through the exchange service as described above.

Therefore, the present invention is to provide a convenience that can be used to exchange one currency charged in the smart card 10 to another country currency.

For reference, the exchange process performed by the exchange terminal 20 may be performed by the exchange service server 30 without any modification. In this case, the exchange terminal 20 simply serves to transmit and receive data between the smart card 10 and the exchange service server 30.

On the other hand, if the user loses the card 10 charged with the exchanged won according to the above embodiment, the exchange service server 30 inquires the amount information filled in the foreign currency storage area of the lost card and replaces the amount with the new card. Can be issued by charging. If you are not willing to reissue the card, you can refund the amount that was charged. Therefore, the card user does not see the loss even if he loses the electronic money charging card.

Second Embodiment

Hereinafter, a second embodiment of the present invention in which a charge exchange system is constructed using a mobile terminal 80 having a smart card (IC chip), an exchange service server 30, and a currency exchange information providing server 50 will be described. . In this second embodiment, the exchange service server 30 substitutes for the exchange process performed by the exchange terminal 20 in the first embodiment. Therefore, the mobile terminal 80 can be viewed as an intermediary that simply interfaces data between the smart chip IC chip and the exchange service server 30.

The mobile terminal 80 acting as an intermediary has an IC chip for electronic money in which foreign currency data is charged. The IC chip, like the smart card 10 shown in FIG. 2, includes electronic wallets for storing foreign currency data and currency exchange data in different recording areas. The control unit inside the IC chip may allow some of the different electronic wallets to be accessed according to the personal authentication result in the same manner as the control unit 14 shown in FIG. 2.

On the other hand, the exchange service server 30 that can be connected to the mobile terminal 80 through the mobile communication network, when the foreign currency and foreign currency exchange rate information of the foreign currency to be exchanged from the mobile terminal 80, the exchange rate information for the foreign currency selected by the user A request is made to the information providing server 50, and the exchange rate is calculated by calculating the foreign currency exchange amount input by the user with the won exchange rate information transmitted from the exchange rate information providing server 50. If the user confirms the calculated currency conversion amount, the currency data is transferred to the mobile terminal 80 to request recharging, and the foreign currency amount required to exchange the currency is recorded on the IC chip card. Request deduction from foreign currency data.

In addition, the exchange service server 30 stores and manages the goods charging information for each card, thereby calculating the goods relationship between the user, the seller of goods, and the card issuer.

In the electronic wallet of the IC chip card in the mobile terminal 80 according to the above-described exchange process, the original data transmitted from the exchange service server 30 may be charged and recorded together. Of course, the exchange currency data charged in the IC chip can be exchanged back into foreign currency data and charged by the above-described exchange process.

Although not described above, personal authentication in the second embodiment may be performed without intervention of the exchange service server 30. That is, in the case of accessing the amount of money stored in the electronic wallet managed by the locking area, the controller of the IC chip requests input of personal authentication information through the display unit of the mobile terminal 80, and accordingly the individual inputted through the keypad. The personal authentication can be completed by comparing the authentication information with the stored information.

 As described above, since the present invention can access the charging goods charged in the electronic wallet according to whether the user has completed personal authentication, there is an effect of locking the goods charged in the smart card, resulting in the loss of the card. There is an advantage to prevent the loss of the filling material.

In addition, since the present invention can exchange foreign currency charged in the smart card to another currency, from the point of view of the card user, the foreign currency can be conveniently exchanged and carried without visiting the exchange office.

In addition, since the smart card according to the present invention can charge its own country and other countries, there is a convenience that a user can charge and use a plurality of calls in one card.

On the other hand, the present invention has been described with reference to the embodiments shown in the drawings, which are merely exemplary, and those skilled in the art will understand that various modifications and equivalent other embodiments are possible therefrom. Therefore, the true technical protection scope of the present invention should be defined only by the appended claims.

Claims (15)

A smart card that is charged with foreign currency data; A currency exchange service server for inquiring a foreign currency exchange rate information for foreign currency to an external server and providing the won exchange rate information transmitted in response to the inquiry request; Request the exchange rate information of the foreign currency selected by the user to the service server, calculate the exchange rate amount by calculating the exchange rate information exchanged by the user with the won exchange rate information transmitted from the service server and the won data accordingly And a currency exchange terminal for requesting the card to deduct the foreign currency amount for exchange required for the exchange of the won, while charging the card. The system of claim 1, further comprising a card authentication server for authenticating the smart card, wherein the card authentication server authenticates the card through a chip serial number transmitted through the currency exchange service server. The system of claim 1 or 2, wherein the smart card is embedded in a portable terminal. The system of claim 1 or 2, wherein the smart card charges and records the foreign currency data and currency exchange data in different electronic wallet storage areas. The system of claim 4, wherein the smart card allows access to some of the different electronic wallets according to a personal authentication result. The method according to claim 1 or 2, wherein the exchange service server, Charging goods exchange system, characterized in that for receiving and storing the goods charge information including the foreign currency exchange rate information and currency conversion amount information for each card from the currency exchange terminal. The method according to claim 1 or 2, wherein the exchange service server, Charging goods exchange system characterized in that when the smart card loss report received request to charge the reissued card charge the amount of money in the electronic wallet that is managed as a locking area in the card. The method according to claim 1 or 2, The currency exchange terminal, Request the exchange rate information of the foreign currency selected by the user to the service server, calculate the exchange rate of the foreign currency input by the user with the exchange rate information transmitted from the service server to calculate the foreign currency exchange rate and the foreign currency data accordingly And requesting the card to be charged, and the credit card deducting the amount of foreign currency required for exchange of the foreign currency to the card. In the currency exchange method for exchanging foreign currency charged in a smart card into Korean Won, Receiving foreign currency selection information and foreign currency exchange amount information for exchange from the terminal capable of transmitting and receiving data with the card; Requesting exchange rate information providing server to transmit won exchange rate information for the selected foreign currency; Calculating the exchange conversion amount by calculating the exchange rate for exchange rate with the won exchange rate information transmitted from the exchange rate information providing server and transmitting the exchange rate amount to the terminal; Requesting recharging by transmitting won data according to the user's identification information on the exchange money conversion amount to the terminal; Requesting a deduction of the foreign currency amount required to exchange the won; Charging goods exchange method comprising the; storing the goods charging information for each card. The method of claim 9, further comprising: receiving foreign currency selection information and currency exchange amount information for exchange from the terminal; Requesting exchange rate information providing server to transmit won exchange rate information for the selected foreign currency; Calculating the exchange rate of foreign currency by calculating the exchange rate of won for exchange with the won exchange rate information transmitted from the exchange rate information providing server and transmitting the exchange rate to the terminal; Requesting recharging by transmitting foreign currency data according to the user confirmation information on the foreign currency exchange amount to the terminal; Requesting the deduction of the won amount required for foreign currency exchange; Filler exchange method further comprising. Claims [1] A method of exchanging charged goods, which is executable in an information terminal capable of transmitting and receiving data with a smart card that is charged with foreign currency data, Receiving and outputting foreign currency data from the card; Receiving a foreign currency exchange amount for exchange through a key operation unit; Requesting an external server to transmit foreign currency exchange rate information of the foreign currency; Calculating and outputting the exchange conversion amount by calculating the exchange rate for exchange rate with the won exchange rate information transmitted from the external server; Requesting recharging by transmitting the won currency data corresponding to the calculated exchange rate, and deducting the foreign currency amount required to exchange the won from the foreign currency data; Sending the charge information for each card to the electronic money management server; Charging goods exchange method comprising a. The method of claim 11, further comprising requesting input of personal authentication information when requesting a currency exchange service and transmitting personal authentication information input to the card in response to the request. The method of claim 11 or 12, further comprising: requesting the external server to transmit foreign currency exchange rate information of the foreign currency when the foreign currency exchange request of the foreign currency is requested; Calculating the foreign currency exchange amount exchanged by the foreign currency exchange rate information transmitted from the external server and calculating and displaying the foreign currency exchange rate input by the user; And requesting recharging by sending foreign currency data corresponding to the calculated foreign currency exchange amount, and requesting subtraction of the won amount of foreign currency required for foreign currency exchange from the charged original currency data. In the smart card for multiple call storage, A first electronic wallet memory for charging and recording foreign currency data; A second electronic wallet memory for charging and recording original data; A memory for storing personal authentication information; An individual who accesses and outputs the information charged in the electronic wallet memories or updates it with new information, and requests the input of personal authentication information when a request for access of the information charged in the electronic wallet memory is requested and is input in response to the request. A control unit for accessing and outputting information charged in the electronic wallet memory according to authenticity of authentication information; And a data input / output unit for inputting and outputting information including charging information. 15. The smart card according to claim 14, wherein the first and second electronic wallet memories are used separately in one integrated memory.

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