KR20100138659A - User friendly electronic cash system and controll method thereof - Google Patents

User friendly electronic cash system and controll method thereof Download PDF

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Publication number
KR20100138659A
KR20100138659A KR1020090057290A KR20090057290A KR20100138659A KR 20100138659 A KR20100138659 A KR 20100138659A KR 1020090057290 A KR1020090057290 A KR 1020090057290A KR 20090057290 A KR20090057290 A KR 20090057290A KR 20100138659 A KR20100138659 A KR 20100138659A
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KR
South Korea
Prior art keywords
electronic money
service server
information
balance information
server
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KR1020090057290A
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Korean (ko)
Inventor
김종호
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에스케이 텔레콤주식회사
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Priority to KR1020090057290A priority Critical patent/KR20100138659A/en
Publication of KR20100138659A publication Critical patent/KR20100138659A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]

Abstract

PURPOSE: A user friendly electronic cash system and a control method thereof are provided to enable a user to charge electronic cash if a fixed condition is satisfied even though the electronic cash is not charged, thereby preventing a difficult situation due to not charged electronic cash. CONSTITUTION: An electronic cash service server(100) stores balance information corresponding to at least one portable terminal. The electronic cash service server subtracts balance information by an electronic cash payment request. If the subtracted balance information is smaller than a preset limit value, the electronic cash service server increases the balance information up to a preset charging reference value. A portable terminal(200) increases the embedded electronic cash by an electronic cash subtraction signal.

Description

User-friendly electronic money system and its control method {USER FRIENDLY ELECTRONIC CASH SYSTEM AND CONTROLL METHOD THEREOF}

The present invention relates to an electronic money system, and more particularly, to an electronic money system and a method of controlling the same, to provide a user with a more convenient subscription and charging step that may be most annoying for users to use electronic money.

Electronic money is a virtual currency that has a constant currency value that is paid by the issuer and is provided by the issuer. It is relatively low risk of counterfeiting or tampering, safe in case of theft or loss, and convenient for making small payments. .

In the case of current electronic money, the most commonly used method is a method of embedding electronic money in which the virtual money is described in a portable terminal (mobile phone) of a user and paying the same.

Therefore, users carry only a mobile terminal, and even if they do not have a wallet, they can make necessary transactions in daily life such as transportation expenses and purchase of goods. Nevertheless, electronic money does not become popular because there are two major hassles.

First, in order to use the electronic money embedded in the mobile terminal, the user visits a mobile communication agency and applies for subscription, and here again delivers the information to the electronic money issuer, and then sends the subscription information to the electronic money card. The procedure has been cumbersome. In addition, electronic money must charge and use the money in advance. If you forget to charge, you may not be able to board due to lack of balance when paying for transportation expenses on board a bus, etc. Becomes

The present invention has been made in view of the above circumstances, and an object of the present invention is that a user who wants to use electronic money forgot to charge the balance at the moment when the user wants to make a payment so that the balance cannot be used in advance. The present invention provides an electronic money system and a method of controlling the same, which charge in advance.

In addition, when you want to join the electronic money to solve the inconvenience and hassle, such as the need to apply in an offline store as in the prior art to provide an electronic money system that enhances the user's convenience for easy subscription.

Electronic money automatic charging system according to the present invention for achieving the above object stores the balance information corresponding to each of one or more portable terminals, deducting the balance information according to the electronic money payment request received from the portable terminal and electronically Transmitting a currency deduction signal to the mobile terminal, and if the balance information of the settlement management unit is less than or equal to a preset limit value, the balance information is increased by a preset charging reference value and the electronic money increase signal corresponding to the charging reference value is transmitted to the target terminal. Electronic money service server; And subtracting the electronic money based on the electronic money deduction signal received from the electronic money service server, and increasing the embedded electronic money according to the electronic money increase signal.

In addition, the electronic money service server includes a settlement management unit for storing the balance information corresponding to each of one or more portable terminals; In accordance with the electronic money payment request received from the mobile terminal, the balance information of the settlement management unit is subtracted, and the electronic money deduction signal according to the payment request is transmitted to the mobile terminal, and if the balance information of the settlement management unit is less than a preset limit value; A service providing unit for increasing balance information by a predetermined charging reference value and transmitting an electronic money increase signal corresponding to the charging reference value to the target terminal; And a charging amount billing unit charged for the charging amount corresponding to the charging reference value.

Electronic money service server according to the present invention for achieving the above object comprises a settlement management unit for storing the balance information corresponding to each of one or more portable terminals; And deducting the balance information of the settlement management unit according to the electronic money payment request received from the mobile terminal and transmitting the electronic money deduction signal according to the payment request to the portable terminal, wherein the balance information of the settlement management unit is less than a preset limit value. And a service provider for increasing the balance information by a predetermined charging reference value and transmitting an electronic money increase signal corresponding to the charging reference value to the target terminal.

And a charging amount billing unit charged for the charging amount corresponding to the charging reference value.

The charge amount billing unit may include: a card information extracting unit extracting credit card information of the user of the portable terminal; A card information transmitter for transmitting the credit card information and the recharge amount to an external financial institution server; And a card approval receiving unit for receiving an approval signal for the recharge amount from the financial institution server.

The charge amount billing unit may include: a user information extracting unit extracting user information of the mobile terminal; A user information transmitter to transmit the user information and the recharge amount to an external payment agency server; And a billing approval receiver configured to receive an approval signal for the charge amount from the payment agency server, wherein the approval signal is a response from the phone bill server to whether the user corresponding to the user information is a phone bill valid subscriber. It is preferably generated in correspondence with.

Electronic money automatic charging method according to the present invention for achieving the above object comprises a payment request receiving step for receiving an electronic money payment request received from the mobile terminal by the electronic money service server; A balance information subtraction step of subtracting balance information of an electronic money holding state for each mobile terminal previously stored by the electronic money service server according to a result of processing the electronic money payment request; A subtraction signal transmitting step of transmitting, by the electronic money service server, the electronic money deduction signal according to the payment request processing result to the portable terminal; An electronic money subtraction step of the mobile terminal subtracting electronic money included in the mobile terminal according to the electronic money deduction signal; A balance information checking step of determining, by the electronic money service server, whether the deducted balance information is less than or equal to a preset limit value; A balance information charging step of increasing, by the electronic money service server, the balance information by a preset charging reference value when the balance information is less than or equal to a preset limit value; An increase signal transmitting step of transmitting, by the electronic money service server, an electronic money increase signal corresponding to the charging reference value to the target terminal; And an electronic money charging step in which the mobile terminal increases the electronic money included in the portable terminal according to the electronic money increase signal.

And a charge amount charge step of charging a charge amount corresponding to the charge reference value.

In addition, the charge amount charging step is the card information extraction step of the electronic money service server to extract the credit card information of the target terminal user; A card information transmitting step of transmitting, by the electronic money service server, the credit card information and the recharge amount to a financial institution server (VAN); And a card approval receiving step for the electronic money service server to receive an approval signal for the recharge amount from the financial institution server.

The card information extraction step may include: displaying, by the electronic money service server, a swap page for inputting credit card information including a card number to the target terminal; And extracting, by the electronic money service server, the credit card information through the swap page.

In addition, the charge amount charging step is the step of extracting the target terminal user information by the electronic money service server; Transmitting, by the electronic money service server, the user information and the recharge amount to a payment agent (PG) server; Requesting, by the payment agent server, to confirm whether the phone bill is a valid phone bill subscriber to the phone bill server using the user information; And receiving, by the electronic money service, an approval signal for the recharge amount from the payment agency server.

On the other hand, the electronic money automatic charging method according to another embodiment for achieving the above object comprises a balance information settlement step of calculating the balance information for one or more electronic money that the electronic money service server has for each of the one or more mobile terminals; A target terminal extraction step of extracting one or more portable terminals whose balance is less than or equal to a preset limit from the one or more portable terminals to a target terminal; A balance information charging step of the electronic money service server increasing the balance information of the target terminal by a predetermined charging reference value; An increase signal transmitting step of transmitting, by the electronic money service server, an electronic money increase signal corresponding to the charging reference value to the target terminal; And an electronic money increase step of increasing, by the target terminal, electronic money included in the target terminal according to the electronic money increase signal.

And it is preferable to further include a charge amount charge step of claim for the charge amount corresponding to the charge reference value.

In addition, the charge amount charging step is the card information extraction step of the electronic money service server to extract the credit card information of the target terminal user; A card information transmitting step of transmitting, by the electronic money service server, the credit card information and the recharge amount to a financial institution server; And a card approval receiving step for the electronic money service server to receive an approval signal for the recharge amount from the financial institution server.

The charged amount charging step may include: extracting, by the electronic money service server, user information of the target terminal; Transmitting, by the electronic money service server, the user information and the recharge amount to a payment agent server; Requesting, by the payment agent server, to confirm whether the phone bill is a valid phone bill subscriber to the phone bill server using the user information; And receiving, by the electronic money service, an approval signal for the recharge amount from the payment agency server.

On the other hand, the electronic money system according to another embodiment of the present invention transmits a callback text message for receiving information for joining the electronic money service to the mobile device, and the mobile phone from the mobile terminal in response to the callback text message. An electronic money service server which transmits a member information correction signal which is a signal for instructing to modify the member information of the electronic money card included in the portable terminal after receiving member information which is user information of the terminal; And a portable terminal for modifying the member information of the electronic money included according to the member information correction signal received from the electronic money service server.

And a web server for receiving the information including any one of the identification number of the portable terminal and the identification information of the user from the user of the portable terminal as subscription identification information and transmits the subscription identification information to the electronic money service server; It is preferable to further include.

According to another aspect of the present invention, there is provided a method of subscribing to an electronic money service, wherein the electronic money service is provided in a method of providing an electronic money service using a mobile terminal and an electronic money service server. A member information request step of transmitting a callback text message for receiving information for subscription to the mobile terminal; A member information input step of receiving, at the electronic money service server, member information which is user information of the mobile terminal from the mobile terminal in response to the callback message; And a correction signal transmission step of transmitting, by the electronic money service server, a member information correction signal, which is a signal instructing to correct member information of the electronic money card included in the portable terminal.

And a subscription request accepting step of receiving information including any one of an identification number of the portable terminal and identification information of the user from a user of the portable terminal.

As described in detail above, when using the electronic money system according to the present invention, the user can prevent the difficult situation at the time of payment by charging in advance if a certain condition even if their electronic money does not charge. It has an effect.

In addition, when you want to subscribe to electronic money, it is possible to easily register through a mobile terminal or the Internet owned by oneself without visiting offline agencies, such as visiting the dealership as in the prior art.

Hereinafter, with reference to the drawings will be described in detail with respect to the system of the electronic money capable of automatic charging according to a preferred embodiment of the present invention.

1 is a block diagram of an electronic money service system according to an embodiment of the present invention.

As shown in Figure 1, the system for automatic charging according to an embodiment of the present invention is largely composed of the electronic money service server 100, the mobile terminal 200 and the financial institution server (300).

The electronic money service server 100 stores the balance information corresponding to each of the one or more portable terminals, and subtracts the balance information according to the electronic money payment request received from the portable terminal and transmits the electronic money deduction signal to the portable terminal. Perform the function of sending. Particularly, in the exemplary embodiment of the present invention, when the balance information is less than or equal to a preset limit value, the balance information is increased by a preset charging reference value and the electronic money increase signal corresponding to the charging reference value is transmitted to the portable terminal.

On the other hand, by transmitting the information including credit card information to the financial institution server as much as the amount of the charge, the payment is requested by the credit card, and if the approval from the financial institution server 300, the charging is performed. A detailed configuration of the electronic money service server 100 will be described with reference to FIG. 2 below.

The mobile terminal 200 includes an electronic money card containing electronic money, which is a virtual money. Here, the portable terminal 200 may be equipped with an electronic money card for storing electronic money, and is preferably in the form of a mobile terminal supporting mobile communication. Herein, the electronic money card may be a user identification card such as a subscriber identification module (SIM) card and a universal subscriber identification module (USIM) as a smart card.

The financial institution server 300 receives the credit card information and the charge amount of the user who wants to charge the electronic money from the electronic money service server 100, and processes it and again authenticates the information to the electronic money service server 100. Performs the function of sending it.

2 is a block diagram of an electronic money service server according to an embodiment of the present invention.

As shown in Figure 2, the electronic money service server 100 according to an embodiment of the present invention, the settlement management unit 110 for calculating / managing the balance information for the electronic money held by each mobile terminal, and When the payment history is received from the outside, the balance information of the mobile terminal, which is the target of the electronic money payment, is searched according to the payment history, and when the electronic money payment of the predetermined purchase amount according to the payment history is possible, the payment is processed and the electronic money payment is made. It includes a service providing unit 120 for providing an electronic money reduction signal corresponding to the purchase price to the corresponding mobile terminal of the target and the charge amount billing unit 130 for the charge amount.

The settlement management unit 110 stores the balance information on the electronic money held by the mobile terminal corresponding to each of the mobile terminals managed by the electronic money service server 100, and controls the service provider 120. Accordingly, the electronic money balance information of the predetermined mobile terminal is increased or subtracted to settle and manage.

In particular, when the balance information of the settlement management unit 110 is less than or equal to a preset limit value, the service provider 120 increases the balance information by a preset charging reference value and transmits an electronic money increase signal corresponding to the charging reference value to the mobile terminal. Perform the function of sending. Here, the preset limit value may be set by the user of the portable terminal. For example, if the user wants to automatically charge when the user costs 10,000 won or less, 10,000 won will be the limit value.

In addition, the preset charging reference value can also be set by the user. If the user wants to charge by 30,000 won at a time of charging, the charging reference value is 30,000 won. Or if the user wants to charge so that the balance is 30,000 won when charging, the 30,000 won-balance becomes the charging reference value. In other words, if the remaining balance of 5,000 won is charged 25,000 won, the 25,000 won is the charging reference value.

The charging amount billing unit 130 for charging the charging amount corresponding to the charging reference value again includes a card information extracting unit 131, a card information transmitting unit 133, and a card approval receiving unit 135. The charge amount may be the same as the charge reference value, or may be different. For example, electronic money charges 30,000 won, but it is possible to claim only 27,000 won in cash, with 30,000 won being the charging standard value and 27,000 won being the charging amount.

Charge amount charging unit 130 is a card information extraction unit 131 for extracting the credit card information of the user of the mobile terminal, the card information transmission unit 133 for transmitting the credit card information and the charge amount to an external financial institution server And the card approval receiving unit 135 for receiving the approval signal for the charge amount from the financial institution server.

Here, the credit card information may be transferred to the mobile terminal 200 and receive the credit card information, that is, a credit card number or the like, and input through it, or the credit card for each user in the electronic money service server 100. It is also possible to store the information in advance, and to receive the user's identification number (ID, etc.) from the mobile terminal 200 and extract pre-stored credit card information corresponding thereto.

Hereinafter, a method of automatically charging in the system will be described in detail with reference to FIG. 3.

3 is a flowchart used to describe the automatic charging method according to an embodiment of the present invention.

The mobile terminal 200 requests a payment for a predetermined amount to the electronic money service server 100 (S410).

According to the electronic money payment request processing result, the electronic money service server 100 subtracts balance information in a state of holding electronic money for each mobile terminal previously stored (S420).

Thereafter, the electronic money service server 100 transmits the electronic money reduction signal according to the payment request processing result to the portable terminal (S425).

Thereafter, the mobile terminal 200 receiving the deduction signal subtracts the electronic money included in the mobile terminal according to the electronic money deduction signal, so that the balance information in the electronic money service server 100 is matched (S428). .

The electronic money service server 100 determines whether the deducted balance information is less than or equal to a preset limit value (S430).

If the balance information is less than the limit value, the electronic money service server 100 extracts credit card information from the mobile terminal 200 (S440). Here, the credit card information may be transferred to the mobile terminal 200 and receive the credit card information, that is, a credit card number or the like, and input through it, or the credit card for each user in the electronic money service server 100. It is also possible to store the information in advance, and to receive the user's identification number (ID, etc.) from the mobile terminal 200 and extract pre-stored credit card information corresponding thereto.

The electronic money service server transmits the credit card information and the charged amount to a financial institution server (VAN) and performs a payment (S445), and then receives an approval signal for the charged amount from the financial institution server (S450). .

After receiving the approval signal, the electronic money service server increases the balance information by a predetermined charging reference value (S460).

Then, the electronic money increase signal corresponding to the charging reference value is transmitted to the mobile terminal 200 (S465), and the mobile terminal 200 is included in the mobile terminal 200 according to the electronic money increase signal. Increase the money (S470).

4 is a block diagram of an electronic money service system according to another embodiment of the present invention. In FIG. 4, the phone bill method is used instead of the credit card in performing the payment after the automatic charging.

The electronic money service server 100 stores the balance information corresponding to each of the one or more portable terminals, and subtracts the balance information according to the electronic money payment request received from the portable terminal and transmits the electronic money deduction signal to the portable terminal. Perform the function of sending. Particularly, in the exemplary embodiment of the present invention, when the balance information is less than or equal to a preset limit value, the balance information is increased by a preset charging reference value and the electronic money increase signal corresponding to the charging reference value is transmitted to the portable terminal.

On the other hand, a payment request is made to the payment agent server as much as the charge amount, and after confirming that the phone bill subscribers through the phone bill server, if the phone bill subscribers are billed in such a way to be set to be billed at the time of future mobile billing. A detailed configuration of the electronic money service server 100 will be described below with reference to FIG. 5.

The mobile terminal 200 includes an electronic money card containing electronic money, which is a virtual money. Here, the portable terminal 200 may be equipped with an electronic money card for storing electronic money, and is preferably in the form of a mobile terminal supporting mobile communication. Herein, the electronic money card may be a user identification card such as a subscriber identification module (SIM) card and a universal subscriber identification module (USIM) as a smart card.

The payment agent server 320 receives the information of the user who wants to charge the electronic money and the charge amount from the electronic money service server 100, and then, whether the user corresponding to the user information is subscribed to the phone bill, the phone bill server. After inquiring at (330), it performs a function of transmitting the authentication information to the electronic money service server 100 if subscribed.

5 is a block diagram of an electronic money service server according to an embodiment of the present invention.

As shown in Figure 5, the electronic money service server 100 according to an embodiment of the present invention, the settlement management unit 110 for calculating / managing the balance information for the electronic money held by each mobile terminal, and When the payment history is received from the outside, the balance information of the mobile terminal, which is the target of the electronic money payment, is searched according to the payment history, and when the electronic money payment of the predetermined purchase amount according to the payment history is possible, the payment is processed and the electronic money payment is made. It includes a service provider 120 for providing an electronic money reduction signal corresponding to the purchase amount to the corresponding mobile terminal of the target and a charge amount billing unit 140 for the charge amount.

The settlement management unit 110 stores the balance information on the electronic money held by the mobile terminal corresponding to each of the mobile terminals managed by the electronic money service server 100, and controls the service provider 120. Accordingly, the electronic money balance information of the predetermined mobile terminal is increased or subtracted to settle and manage.

In particular, when the balance information of the settlement management unit 110 is less than or equal to a preset limit value, the service provider 120 increases the balance information by a preset charging reference value and transmits an electronic money increase signal corresponding to the charging reference value to the mobile terminal. Perform the function of sending. Here, the preset limit value may be set by the user of the portable terminal. For example, if the user wants to automatically charge when the user costs 10,000 won or less, 10,000 won will be the limit value.

In addition, the preset charging reference value can also be set by the user, and if the user wants to charge by 30,000 won at one charge, 30,000 won becomes the charging reference value. Or if the user wants to charge so that the balance is 30,000 won when charging, the 30,000 won-balance becomes the charging reference value. In other words, if the remaining balance of 5,000 won is charged 25,000 won, the 25,000 won is the charging reference value.

The charging amount billing unit 130 for charging the charging amount corresponding to the charging reference value again includes a card information extracting unit 131, a card information transmitting unit 133, and a card approval receiving unit 135. The charge amount may be the same as the charge reference value, or may be different. For example, electronic money charges 30,000 won, but it is possible to claim only 27,000 won in cash, with 30,000 won being the charging standard value and 27,000 won being the charging amount.

Charge amount charging unit 140 is a user information extraction unit 141 for extracting the information of the user of the mobile terminal, a user information transmission unit 143 for transmitting the user information and the charge amount to an external payment agency server and the The billing agent receiving unit 145 receives an approval signal for the charged amount from the payment agent server.

In this case, the user information may be transmitted to the mobile terminal 200 by receiving a page through which a user can input information such as a user's telephone number and the like, or input the same through the electronic money service server 100. After storing, receiving a user's identification number (ID, etc.) from the mobile terminal 200 may also extract a pre-stored user information corresponding thereto.

Hereinafter, a method of automatically charging in the system will be described in detail with reference to FIG. 6.

6 is a flowchart used to explain the automatic charging method according to an embodiment of the present invention.

The mobile terminal 200 requests a payment for a predetermined amount to the electronic money service server 100 (S510).

According to the electronic money payment request processing result, the electronic money service server 100 subtracts balance information in a state of holding electronic money for each mobile terminal previously stored (S520).

Thereafter, the electronic money service server 100 transmits the electronic money reduction signal according to the payment request processing result to the portable terminal (S525).

Thereafter, the mobile terminal 200 receiving the deduction signal subtracts electronic money included in the mobile terminal according to the electronic money deduction signal, so that the balance information in the electronic money service server 100 is matched (S528). .

The electronic money service server 100 determines whether the deducted balance information is less than or equal to a preset limit value (S530).

As a result of the determination in step S530, when the balance information is less than or equal to a preset limit value, the electronic money service server extracts user information from the mobile terminal 200 (S540). In this case, the user information may be transmitted through a swap page that can be input to the mobile terminal 200 and may be input through the same. Alternatively, the user information may be stored in advance in the electronic money service server 100, and the user information may be stored in the mobile terminal 200. It is also possible to receive a user's identification number (ID, etc.) and extract pre-stored user information corresponding thereto.

The electronic money service server transmits the user information and the charge amount to the payment agent server 320 (S545), and then the phone bill server 330 inquires whether the user has subscribed to the phone bill (S548, 550). If the user is a user subscribed to the phone bill and transmits the approval signal for the charge amount to the electronic money service server (S555).

In this case, a phone bill means a method of paying a fee for using Internet content or the like instead of using a mobile phone, and then billing the amount to a mobile phone charge of a mobile phone.

Then, the electronic money service server increases the balance information by a predetermined charging reference value (S560). The electronic money increase signal corresponding to the charging reference value is transmitted to the mobile terminal 200 (S570), and the mobile terminal 200 is included in the mobile terminal 200 according to the electronic money increase signal. Increase the (S580).

On the other hand, in the above-described embodiment, when the mobile terminal makes a payment, a method of performing automatic charging or not by comparing the balance with a preset value has been described. However, the present invention is not necessarily limited to the above-described example, and the balance information of the one or more mobile terminals owned by the electronic money service server 100 is checked in a predetermined cycle at a time, and the mobile terminal is less than or equal to the preset limit value. After extracting a terminal as a target terminal, it is also possible to perform the automatic charging process for the target terminals.

In addition, the mobile terminal 200 checks the electronic money owned by the user at predetermined intervals in a batch, and performs the connection to the electronic money service server 100 when the predetermined value is less than the predetermined limit value. It is also possible to do this.

7 is a configuration diagram of an electronic money service system for more convenient electronic money service subscription to electronic money service.

The electronic money service server 100 stores the balance information corresponding to each of the one or more portable terminals, and subtracts the balance information according to the electronic money payment request received from the portable terminal and transmits the electronic money deduction signal to the portable terminal. Perform the function of sending. In particular, the electronic money service server 100 according to the present embodiment transmits a callback text message for receiving information for joining the electronic money service to the portable terminal at the time of membership registration, and the mobile terminal in response to the callback text message. After receiving the member information which is the user information of the portable terminal from the terminal, and performs a function of transmitting a member information correction signal that is a signal for instructing to modify the member information of the electronic money card included in the portable terminal.

The mobile terminal 200 includes an electronic money card containing electronic money, which is a virtual money. Here, the portable terminal 200 may be equipped with an electronic money card for storing electronic money, and is preferably in the form of a mobile terminal supporting mobile communication. Herein, the electronic money card may be a user identification card such as a subscriber identification module (SIM) card and a universal subscriber identification module (USIM) as a smart card.

The web server 350 provides a page for inputting information necessary for subscribing from a user who wants to subscribe to the electronic money service, and extracts information and provides the information to the electronic money service server 100.

Alternatively, through the call center 340, the user may notify the subscription and the information by wire using a telephone, and then the call center 340 may directly input the information to the electronic money service server 100 and transmit the information.

8 is a flowchart used to explain a member registration method according to another embodiment of the present invention.

First, a subscription request for subscribing to an electronic money service is received from the user through the web server 350 (S610).

Thereafter, the electronic money service server 100 transmits a callback short message message to receive information for joining the electronic money service to the mobile terminal of the user who wants to subscribe (S620).

The user inputs the member information which is the user information of the mobile terminal in response to the callback message and transmits it to the electronic money service server 100 again (S630).

The received member information is stored by the electronic money service server 100 (S640), and the member information correction signal, which is a signal for instructing to correct the member information of the electronic money card included in the portable terminal, is transmitted to the mobile terminal. (S650)

The mobile terminal receiving the member information modification signal completes the subscription procedure to the electronic money service server by inputting or modifying member information according to the signal (S660).

Although the preferred embodiments of the present invention have been shown and described so far, the present invention is not limited to the specific embodiments described above, and the present invention is not limited to the specific embodiments of the present invention, and the present invention may be generally made without departing from the gist of the present invention as claimed in the claims. Various modifications can be made by those skilled in the art, and these modifications should not be individually understood from the technical spirit or the prospect of the present invention.

1 is a configuration diagram of an electronic money service system according to an embodiment of the present invention;

2 is a block diagram of an electronic money service server according to an embodiment of the present invention;

3 is a flow chart used for explaining the automatic charging method according to an embodiment of the present invention;

4 is a configuration diagram of an electronic money service system according to another embodiment of the present invention;

5 is a block diagram of an electronic money service server according to another embodiment of the present invention;

6 is a flow chart used for explaining the automatic charging method according to another embodiment of the present invention;

7 is a configuration diagram of an electronic money service system according to another embodiment of the present invention; and

8 is a flowchart used to explain a member registration method according to another embodiment of the present invention.

<Explanation of symbols for the main parts of the drawings>

100: electronic money service server 110: Settlement management unit

120: service provider 200: mobile terminal

300: financial institution server

Claims (22)

Store balance information corresponding to one or more portable terminals and deduct the balance information according to the electronic money payment request received from the portable terminal, and if the deducted balance information is less than a preset limit value, the balance information is preset. An electronic money service server that increases by a charging reference value; And And a portable terminal for subtracting the embedded electronic money according to the electronic money deduction signal received from the electronic money service server and increasing the embedded electronic money according to the electronic money deduction signal received from the electronic money service server. Electronic money automatic charging system. The method of claim 1 The electronic money service server A settlement management unit for storing balance information corresponding to one or more portable terminals; In accordance with the electronic money payment request received from the mobile terminal, the balance information of the settlement management unit is subtracted, and the electronic money deduction signal according to the payment request is transmitted to the mobile terminal, and if the balance information of the settlement management unit is less than a preset limit value; A service provider for increasing balance information by a predetermined charging reference value and transmitting an electronic money increase signal corresponding to the charging reference value to the mobile terminal; And Electronic charge automatic charging system, characterized in that it comprises a charge amount claim unit for the charge amount corresponding to the charging reference value. A settlement management unit for storing balance information corresponding to one or more portable terminals; And And a service providing unit for deducting the balance information of the settlement management unit according to the electronic money payment request received from the mobile terminal and increasing the balance information by a predetermined charging reference value when the balance information is less than or equal to a preset limit value. Electronic money service server. The method of claim 3, The service provider In accordance with the electronic money payment request received from the mobile terminal, the balance information of the settlement management unit is subtracted, and the electronic money deduction signal according to the payment request is transmitted to the mobile terminal, and if the balance information of the settlement management unit is less than a preset limit value; And increasing the balance information by a predetermined charging reference value and transmitting an electronic money increase signal corresponding to the charging reference value to the mobile terminal. The method of claim 3, The electronic money service server The electronic money service server, characterized in that it further comprises a charge amount claim unit for the charge amount corresponding to the charge reference value. The method of claim 5 The charge amount billing unit A card information acquisition unit for acquiring credit card information of the user of the portable terminal; A card information transmitter for transmitting the credit card information and the recharge amount to an external financial institution server; And Card approval receiving unit for receiving the approval signal for the charge amount from the financial institution server; Electronic money service server characterized in that consisting of. The method of claim 5 The charge amount billing unit A user information extracting unit for extracting user information of the portable terminal; A user information transmitter to transmit the user information and the recharge amount to an external payment agency server; And It includes a billing approval receiving unit for receiving the approval signal for the charge amount from the payment agency server, And the approval signal is generated when the payment agent server is a phone bill valid subscriber after receiving a response from the phone bill server as to whether the user corresponding to the user information is a phone bill valid subscriber. A settlement management unit for storing balance information corresponding to one or more portable terminals; And And extracting one or more portable terminals, which are less than or equal to a preset limit value, from the balance information of the settlement management unit as a target terminal, and increasing the balance information of the extracted target terminal by a predetermined charging reference value. Service server. An electronic money card for storing electronic money; Communication unit for transmitting the charging request to the electronic money service server; And Checks the electronic money stored in the electronic money card and controls the communication unit to transmit a charging request to an external electronic money service server when the electronic money service is less than a predetermined limit value and according to the electronic money increase signal received from the electronic money service server; Control unit for controlling the electronic money card to increase the electronic money portable terminal comprising a. A payment request receiving step of receiving, by the electronic money service server, an electronic money payment request from a mobile terminal; A balance information subtraction step of subtracting balance information of an electronic money holding state for each pre-stored mobile terminal by the electronic money service server according to the electronic money payment request; A balance information checking step of determining, by the electronic money service server, whether balance information according to the payment request is deducted or not, whether the deducted balance information is less than or equal to a preset limit value; And And recharging balance information by the electronic money service server to increase the balance information by a predetermined charging reference value when the balance information is less than or equal to a preset limit value. The method of claim 10 The balance information subtraction step A subtraction signal transmitting step of transmitting, by the electronic money service server, the electronic money deduction signal according to the payment request processing result to the portable terminal; And the electronic money subtraction step of subtracting the electronic money contained in the portable terminal according to the electronic money deduction signal. The method of claim 10 The balance information filling step An increase signal transmitting step of transmitting, by the electronic money service server, an electronic money increase signal corresponding to the charging reference value to the portable terminal; And The electronic money charging method further comprises the electronic money charging step of the mobile terminal to increase the electronic money contained in the portable terminal in accordance with the electronic money increase signal. The method of claim 10 The electronic money automatic charging method, characterized in that it further comprises a charge amount charge step of claim for the charge amount corresponding to the charge reference value. The method of claim 13, The charge amount charging step A card information obtaining step of obtaining, by the electronic money service server, credit card information of the user of the portable terminal; A card information transmitting step of transmitting, by the electronic money service server, the credit card information and the recharge amount to a financial institution server (VAN); And The electronic money service server comprises a credit card approval receiving step of receiving an approval signal for the recharge amount from the financial institution server. The method of claim 14, Card information acquisition step Displaying, by the electronic money service server, a page for inputting credit card information including a card number to the mobile terminal; And And the electronic money service server acquiring the credit card information through the swap page. The method of claim 13, The charge amount charging step Acquiring, by the electronic money service server, user information of the portable terminal; Transmitting, by the electronic money service server, the user information and the recharge amount to a payment agent (PG) server; A phone bill subscription confirmation step of requesting, by the payment agent server, to confirm whether the phone bill is a valid phone bill subscriber to the phone bill server using the user information; And When the user corresponding to the user information is the phoneville valid subscriber as a result of the phone bill subscription confirming step, the payment agent server comprises transmitting an approval signal for the charged amount to the electronic money service; How to charge money automatically. A balance information settlement step of calculating balance information for one or more electronic money held by the electronic money service server for each of the one or more mobile terminals; A target terminal extraction step of extracting one or more portable terminals whose balance is less than or equal to a predetermined limit from the one or more portable terminals to a target terminal; The electronic money service server further comprises a balance information charging step of increasing the balance information of the target terminal by a predetermined charging reference value. The method of claim 17 The balance information filling step An increase signal transmission step of transmitting, by the electronic money service server, an electronic money increase signal corresponding to the charging reference value to the target terminal; And an electronic money increasing step of increasing the electronic money included in the target terminal according to the electronic money increasing signal. The method of claim 17 The electronic money automatic charging method, characterized in that it further comprises a charge amount charge step of claim for the charge amount corresponding to the charge reference value. The method of claim 19 The charge amount charging step A card information obtaining step of obtaining, by the electronic money service server, credit card information of the target terminal user; A card information transmitting step of transmitting, by the electronic money service server, the credit card information and the recharge amount to a financial institution server; And The electronic money service server comprises a credit card approval receiving step of receiving an approval signal for the recharge amount from the financial institution server. The method of claim 17 The charge amount charging step Obtaining, by the electronic money service server, the target terminal user information; Transmitting, by the electronic money service server, the user information and the recharge amount to a payment agent server; A phone bill subscription confirmation step of requesting, by the payment agent server, to confirm whether the phone bill is a valid phone bill subscriber to the phone bill server using the user information; And When the user corresponding to the user information is the phoneville valid subscriber as a result of the phone bill subscription confirming step, the payment agent server comprises transmitting an approval signal for the charged amount to the electronic money service; How to charge money automatically. The method of claim 17 The balance information settlement step is an electronic money automatic charging method, characterized in that is performed for each predetermined period.
KR1020090057290A 2009-06-25 2009-06-25 User friendly electronic cash system and controll method thereof KR20100138659A (en)

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Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2013063166A1 (en) * 2011-10-24 2013-05-02 Google Inc. System for offline processing of purchases
US8898088B2 (en) 2012-02-29 2014-11-25 Google Inc. In-card access control and monotonic counters for offline payment processing system
US8959034B2 (en) 2012-02-29 2015-02-17 Google Inc. Transaction signature for offline payment processing system
US9020858B2 (en) 2012-02-29 2015-04-28 Google Inc. Presence-of-card code for offline payment processing system
US10192214B2 (en) 2013-03-11 2019-01-29 Google Llc Pending deposit for payment processing system
WO2022177315A1 (en) * 2021-02-17 2022-08-25 네이버웹툰 유한회사 Method and system for issuing digital currency used for accessing content

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2013063166A1 (en) * 2011-10-24 2013-05-02 Google Inc. System for offline processing of purchases
US8898088B2 (en) 2012-02-29 2014-11-25 Google Inc. In-card access control and monotonic counters for offline payment processing system
US8959034B2 (en) 2012-02-29 2015-02-17 Google Inc. Transaction signature for offline payment processing system
US9020858B2 (en) 2012-02-29 2015-04-28 Google Inc. Presence-of-card code for offline payment processing system
US10192214B2 (en) 2013-03-11 2019-01-29 Google Llc Pending deposit for payment processing system
WO2022177315A1 (en) * 2021-02-17 2022-08-25 네이버웹툰 유한회사 Method and system for issuing digital currency used for accessing content

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