KR20120076620A - Device and method for issuing electric card - Google Patents

Device and method for issuing electric card Download PDF

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Publication number
KR20120076620A
KR20120076620A KR1020100124400A KR20100124400A KR20120076620A KR 20120076620 A KR20120076620 A KR 20120076620A KR 1020100124400 A KR1020100124400 A KR 1020100124400A KR 20100124400 A KR20100124400 A KR 20100124400A KR 20120076620 A KR20120076620 A KR 20120076620A
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KR
South Korea
Prior art keywords
electronic card
user terminal
issuing
terminal
user
Prior art date
Application number
KR1020100124400A
Other languages
Korean (ko)
Inventor
김경호
김승태
Original Assignee
주식회사 하나은행
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Filing date
Publication date
Application filed by 주식회사 하나은행 filed Critical 주식회사 하나은행
Priority to KR1020100124400A priority Critical patent/KR20120076620A/en
Publication of KR20120076620A publication Critical patent/KR20120076620A/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
    • G06Q20/08—Payment architectures
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/351—Virtual cards
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0234—Rebates after completed purchase
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3226—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a predetermined code, e.g. password, passphrase or PIN
    • H04L9/3228—One-time or temporary data, i.e. information which is sent for every authentication or authorization, e.g. one-time-password, one-time-token or one-time-key
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3263—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving certificates, e.g. public key certificate [PKC] or attribute certificate [AC]; Public key infrastructure [PKI] arrangements
    • H04L9/3268—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving certificates, e.g. public key certificate [PKC] or attribute certificate [AC]; Public key infrastructure [PKI] arrangements using certificate validation, registration, distribution or revocation, e.g. certificate revocation list [CRL]

Abstract

PURPOSE: An electronic card issuing apparatus and issuing method thereof are provided to enable a user to pay payment or to withdraw money without having a real card by providing electronic cards which are able to be stored in a user terminal. CONSTITUTION: A user management unit(110) manages user terminal information and the user terminal accounts. The user management unit authenticates the user terminal. An application unit(120) receives an issuing application of an electronic card from the user terminal. An issuing unit(130) issues the electronic card to the user terminal. An approval processing unit(140) transmits the approval for the usage of the electronic card to the user terminal. An calculation processing unit(150) calculates the usage amount of the user terminal.

Description

DEVICE AND METHOD FOR ISSUING ELECTRIC CARD}

The present invention relates to an electronic card issuing device and an issuing method.

Financial institutions such as banks issue cards of various functions to users. The card is a credit card issued as proof of suspending the collection of the payment based on the user's credit for a certain period of time, using a cash card to deposit, withdraw and transfer cash from the linked account through a cash dispenser. Debit cards that automatically withdraw money from a user's savings account immediately, and a check card, which is an intermediate form of payment between a debit card and a credit card.

These cards are mainly made of plastic or metal that contains the information, and the user carries them with them.

Meanwhile, as the mobile environment develops, the use of smart phones having various functions is increasing from the traditional phone function. In such an environment, a user's desire to perform a payment using a smart phone is increasing.

The technical problem to be achieved by the present invention is to store the electronic card that can be used without having the physical card in the user terminal, such as a smart phone and to use it to perform payment and cash withdrawal to facilitate the user's convenience will be.

An electronic card issuing device according to an embodiment of the present invention is an issuing device for issuing an electronic card stored in a user terminal, and manages the information of the user terminal and the account of the user terminal, the user management unit for performing an authentication procedure of the user terminal An application unit for receiving an application for issuing the electronic card from the user terminal, an issuer for issuing the electronic card to the user terminal, and when the user terminal uses the electronic card to a user terminal, a request of the user terminal. And an approval processing unit for transmitting the approval for the use of the electronic card to the user terminal, and a settlement processing unit for calculating the amount of use of the electronic card by the user terminal to the user terminal.

The electronic card may be in the form of a code.

The code may include a one-dimensional code and a two-dimensional code.

The user terminal may include a terminal of a point of sales (POS) and an automatic teller machine (ATM).

The use of the electronic card may be performed by the user terminal paying a purchase price of a product using the electronic card or withdrawing cash using the electronic card.

The issuer may issue the electronic card after performing an authentication procedure for the user terminal.

The authentication procedure may be performed through a public certificate or a one time password (OTP) terminal.

The settlement processing unit may withdraw the use amount from the account of the user terminal and transmit it to the user terminal.

The settlement processing unit may settle the usage amount by subtracting a predetermined fee.

The settlement processing unit may settle the use amount in real time according to the use of the electronic card of the user terminal.

The settlement processing unit may settle the use amount after a predetermined time after the use of the electronic card of the user terminal.

It may further include a point processing unit for managing by earning a portion of the used amount as a point.

The point processing unit may convert the points into cash to be deposited into an account of the user terminal.

Electronic card issuing method according to another embodiment of the present invention is a method for issuing an electronic card to the user terminal by the electronic card issuing device, receiving an application for issuing the electronic card from the user terminal, the electronic through the authentication procedure Issuing a card, when the user terminal uses the electronic card to a user terminal, receiving a request for approval of the use of the electronic card from the user terminal, checking the user terminal, and to the user terminal. Sending an acknowledgment for use of the electronic card.

The electronic card is in the form of a code and may be stored in the user terminal.

The user terminal may include a terminal of a point of sales (POS) and an automatic teller machine (ATM).

The issuing step may be performed through an authentication procedure.

The checking may include checking an account number of the user terminal and an account password of the user terminal.

The method may further include calculating a use amount of the electronic card to the use terminal.

The calculating may include withdrawing the used amount from an account of the user terminal and transmitting the used amount to the used terminal.

The calculating may further include calculating the use amount by subtracting a predetermined fee.

The calculating may be performed in real time according to the use of the electronic card of the user terminal, or may be performed at a predetermined time.

The method may further include accumulating a portion of the use amount as a point.

An issuing device for issuing an electronic card stored in a user terminal, comprising: a storage device for implementing a memory, a user managing unit, an applying unit, an issuing unit, an approval processing unit, and a settlement processing unit, and the user managing unit, the applying unit, the issuing unit, and the And a processor configured to load and execute an approval processor and the settlement processor in the memory, wherein the user manager manages the information of the user terminal and the account of the user terminal, performs an authentication procedure of the user terminal, and the application unit comprises the user. Receiving an application for issuing the electronic card from a terminal, the issuing unit issues the electronic card to the user terminal, and the approval processing unit sends the electronic card to the user terminal when the user terminal uses the electronic card to the user terminal. Send the authorization for the use of the electronic card, and the settlement Portion settlement to the terminal Where Used for spinning liquid the UE using the electronic card.

The electronic card may be in the form of a code.

The user terminal may include a terminal of a point of sales (POS) and an automatic teller machine (ATM).

The settlement processing unit may withdraw the use amount from the account of the user terminal and transmit it to the user terminal.

According to the present invention, by providing an electronic card issuing system stored in the user terminal, it is possible to facilitate the user's convenience by enabling payment and cash withdrawal without carrying the actual card.

1 is a block diagram illustrating an environment in which an electronic card issuing apparatus according to an embodiment of the present invention operates.
2 is a block diagram of an electronic card issuing apparatus according to an embodiment of the present invention.
3 is a flowchart illustrating an electronic card issuing method according to an embodiment of the present invention.
4 is a schematic diagram of an electronic card issuing apparatus according to another embodiment of the present invention.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, without excluding other components unless specifically stated otherwise. Also, the terms " part, "" module," and " module ", etc. in the specification mean a unit for processing at least one function or operation and may be implemented by hardware or software or a combination of hardware and software have.

Hereinafter, an electronic card issuing apparatus and an issuing method thereof according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram illustrating an environment in which an electronic card issuing apparatus according to an embodiment of the present invention operates.

Referring to FIG. 1, an electronic card issuing apparatus 100 according to an embodiment of the present invention is connected to a user terminal 200 and a destination terminal 300 by a network.

The electronic card issuing apparatus 100 issues an electronic card stored in the user terminal 200 according to an application of the user terminal 200 and settles the terminal 300 according to the usage history of the electronic card of the user terminal 200. Server that handles

The user terminal 200 is a device in which a user connects to the electronic card issuing apparatus 100 through a network and communicates with the electronic card issuing apparatus 100 and the destination terminal 300. For example, the user terminal 200 may be a computer or a personal digital assistant. Various communication devices such as Personal Digital Assistant, PDA, and mobile communication terminal can be used.

The terminal 300 is a terminal used by a business operator using an electronic card issued from the electronic card issuing apparatus 100 by the user terminal 200, and is connected to the electronic card issuing apparatus 100 via a network. The card issuing device 100 and the user terminal 200 communicate with each other. For example, various communication devices such as a computer, a personal digital assistant, and a mobile communication terminal may be used. Here, the operator may be a convenience store, a mart and a bank, and the like. The terminal 300 may be a terminal of a sales information management system (point of sales, POS) used in convenience stores and marts or an automatic teller machine used by a bank. , ATM).

Now, the electronic card issuing apparatus 100 according to an embodiment of the present invention will be described in detail with reference to FIG. 2.

2 is a block diagram of an electronic card issuing apparatus according to an embodiment of the present invention.

Referring to FIG. 2, the electronic card issuing apparatus 100 may include a user managing unit 110, an application unit 120, an issuing unit 130, an approval processing unit 140, a settlement processing unit 150, and a point processing unit 160. Include.

The user manager 110 processes a member subscription request and a login request of the user terminal 200 and manages information and accounts related to the user terminal 200. The user manager 110 may perform an authentication procedure when registering for membership and logging in of the user terminal 200.

The application unit 120 receives an electronic card issuance request from the user terminal 100. The application unit 120 may notify the user terminal 100 of the description of the type and function of the electronic card.

When the application unit 120 receives the electronic card issuance request from the user terminal 100, the issuing unit 130 issues an electronic card to the user terminal 100 after a predetermined authentication procedure. In this case, the predetermined authentication procedure may be performed through a public certificate or a one time password (OTP) terminal.

The electronic card issued by the issuing unit 130 may be configured in various code forms, which are stored in the user terminal 200. Here, the code may be in the form of a one-dimensional code, for example, a barcode and a two-dimensional code, for example, a QR code. When the issuing unit 130 issues such a coded electronic card, the corresponding electronic card is stored in a code type in the user terminal 200. The user terminal 200 may use the coded electronic card to pay for the purchase price of the product to the user terminal 300, or withdraw cash from the user terminal 300.

When the user terminal 200 requests a payment by presenting an electronic card to the user terminal 300 as a price of a product purchase, or requesting a cash withdrawal from the user terminal 300, the approval processing unit 140 uses the user terminal 300. The approval will be processed according to the approval request. In this case, the approval process may be performed by checking the validity of the account number and the account password of the user terminal 200.

The settlement processing unit 150 performs a settlement process by withdrawing the corresponding amount from the account of the user terminal 200 and transmitting it to the usage terminal 300 at the request of the usage terminal 300. That is, when the user terminal 200 pays or withdraws the cash to the user terminal 300 using the electronic card, the settlement processing unit 150 sets the amount of the account in the account of the user terminal 300 in the account of the user terminal 200. Transfer to. Such payment may be made in real time or may be made over time according to the use of the electronic card of the user terminal 200.

At this time, the settlement processing unit 150 may settle the amount excluding a predetermined fee.

The point processor 160 may process a portion of the amount used by the user terminal 200 as points, and may accumulate or cash back the account of the user terminal 200. The accumulated points may be deposited in cash or used for future payments to the account of the user terminal 200 according to certain criteria.

Referring now to Figure 3 will be described in detail with respect to the electronic card issuing method according to an embodiment of the present invention.

First, the user terminal 200 accesses the electronic card issuing apparatus 100 and registers as a member (S310). In this case, the user terminal 200 receives user information and is authenticated. The user information includes an identifier (ID) of the user, a password of the user, a user's name, a user's social security number, and a user's account number. The account number of the user may be the number of an account opened to be managed by the electronic card issuing apparatus 100 according to an application of the user terminal 100. The electronic card issuing apparatus 100 stores and manages user information received from the user terminal 200 to which a member is registered.

The user terminal 200 accesses the electronic card issuing apparatus 100 and performs a login (S311). The login procedure is performed by the user terminal 200 transmitting the user's identifier and the user's password to the electronic card issuing apparatus 100, and the electronic card issuing apparatus 100 undergoes an authentication process of the received user's identifier and password. Can be.

Subsequently, the user terminal 200 requests issuance of the electronic card from the electronic card issuing apparatus 100 (S312). In this case, the electronic card issuing apparatus 100 may request an authentication procedure from the user terminal 200 using a public certificate or an OTP authentication method.

Then, the electronic card issuing apparatus 100 issues an electronic card to the user terminal 200 (S313). The electronic card is a coded electronic card that can be stored in the user terminal 100, and has a function of being used for payment at a POS terminal of a convenience store, or withdrawing cash from an ATM of a bank.

When the user terminal 200 makes a payment or cash withdrawal through the use terminal 300, the user terminal 200 transmits a use request by presenting an electronic card issued and stored (S314). That is, when a user purchases an item at a convenience store or the like and presents an electronic card stored in the user terminal 200, the POS terminal of the convenience store may receive a purchase request by scanning the electronic card. In addition, a user can scan an electronic card using a tool provided in the bank ATM, or input a serial number of a code constituting the electronic card into the bank ATM.

Then, the destination terminal 300 transmits a request for approval to the electronic card issuing apparatus 100 according to the use request from the user terminal 200 (S315).

When the electronic card issuing apparatus 100 receives the approval request, the electronic card issuing apparatus 100 checks the corresponding user terminal S316 (S316). This verification process may be performed by checking the validity of the account number and the account password of the user terminal 100.

Thereafter, the electronic card issuing apparatus 100 transmits an approval for allowing payment or cash withdrawal to the user terminal 300 (S317). Subsequently, the destination terminal 300 responds to the use request requested by the user terminal 200 by completing the payment or completing the cash withdrawal (S318).

Subsequently, the electronic card issuing apparatus 100 performs a settlement procedure on the details of the user terminal 200 using the electronic card to the user terminal 300 (S319). That is, the electronic card issuing apparatus 100 withdraws the amount used by the user terminal 200 from the account of the user terminal 200 and transmits it to the user terminal 300. If the use terminal 200 is a POS terminal, the electronic card issuing apparatus 100 may deposit a corresponding amount into the account of the operator using the POS terminal, and if the use terminal 200 is a bank ATM, the electronic card issuing apparatus ( 100) may deposit the amount in the bank's account.

This settlement process may be performed in real time at the time of settlement or cash withdrawal, or after a certain period of time.

In addition, the electronic card issuing apparatus 100 may deduct a predetermined fee and perform a settlement procedure.

Thereafter, the electronic card issuing apparatus 100 accumulates and manages a part of the amount used by the user terminal 200 as points (S320). These points may be accumulated and used as cash when the user terminal 200 makes a payment using an electronic card in the future, or may be converted into cash and deposited in an account of the user terminal 200.

At least some of the functions of the electronic card issuing device and the electronic card issuing method according to the embodiment of the present invention described above may be implemented in hardware or software coupled to the hardware. Hereinafter, an embodiment in which an electronic card issuing apparatus is coupled to a computer system will be described in detail with reference to FIG. 4.

4 is a schematic diagram of an electronic card issuing apparatus 1000 according to another embodiment of the present invention. The user management unit 110, the application unit 120, the issuer 130, the approval processor 140, Represents a system that can be used to perform at least some of the functions of the settlement processor 150 and the point processor 160.

Referring to FIG. 4, the electronic card issuing apparatus 1000 may include a processor 1110, a memory 1120, at least a storage device 1130, an input / output (I / O) interface 1140, and a network interface 1150. ).

The processor 1110 may be implemented with a central processing unit (CPU), other chipsets, microprocessors, or the like. The memory 1120 may be a medium such as RAM, such as dynamic random access memory (DRAM), rambus DRAM (RDRAM), synchronous DRAM (SDRAM), static RAM (SRAM), or the like. It can be implemented as. The storage device 1130 may include a hard disk, a compact disk read only memory (CD-ROM), a CD rewritable (CD-RW), a digital video disk ROM (DVD-ROM), a DVD-RAM, and a DVD-RW disk. The optical disk may be implemented as a permanent or volatile storage device such as an optical disk such as a blu-ray disk, a flash memory, or various types of RAM. The I / O interface 1140 also allows the processor 1110 and / or the memory 1120 to access the storage device 1130. The network interface 1150 allows the processor 1110 and / or the memory 1120 to access the network.

In this case, the processor 1110 may perform at least some of the functions of the user managing unit 110, the applying unit 120, the issuing unit 130, the approval processing unit 140, the settlement processing unit 150, and the point processing unit 160. The program command to be implemented is loaded into the memory 1120, and the user management unit 110, the application unit 120, the issuing unit 130, the approval processing unit 140, the settlement processing unit 150, and the point processing unit 160 The function may be located in the storage device 1130 to control the operation described with reference to FIGS. 1 to 3.

The processor 1110, the memory 1120, the storage device 1130, the I / O interface 1140, and the network interface 1150 illustrated in FIG. 4 may be implemented in one computer or distributed in a plurality of computers. It may be implemented.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements of those skilled in the art using the basic concepts of the present invention defined in the following claims are also provided. It belongs to the scope of rights.

Claims (27)

Issuing device for issuing an electronic card stored in the user terminal,
A user manager that manages information of the user terminal and an account of the user terminal, and performs an authentication procedure of the user terminal;
An application unit for receiving an application for issuing the electronic card from the user terminal;
Issuing unit for issuing the electronic card to the user terminal,
If the user terminal uses the electronic card to the destination terminal, the authorization processing unit for transmitting the approval for the use of the electronic card to the destination terminal in response to a request of the destination terminal, and
A settlement processing unit configured to settle the amount of use by the user terminal using the electronic card to the use terminal;
Electronic card issuing device comprising a. In claim 1,
The electronic card issuing device is made in the form of a code. In claim 2,
The code card issuing device comprising a one-dimensional code and a two-dimensional code. In claim 1,
The use terminal is an electronic card issuing device including a terminal of a point of sales (POS) and an automatic teller machine (ATM). 5. The method of claim 4,
The use of the electronic card
The user terminal is an electronic card issuing device made by paying the purchase price of goods using the electronic card, or withdraw cash using the electronic card. In claim 1,
And the issuing unit issuing the electronic card after performing an authentication procedure for the user terminal. The method of claim 6,
The authentication process is an electronic card issuing device made through a public certificate or a one time password (OTP) terminal. In claim 1,
And the settlement processing unit withdraws the use amount from the account of the user terminal and transmits it to the user terminal. In claim 1,
And the settlement processing unit settles the use amount by removing a predetermined fee. In claim 1,
And the settlement processing unit settles the use amount in real time according to the use of the electronic card of the user terminal. In claim 1,
The payment processing unit is an electronic card issuing device for calculating the amount of use after a predetermined time after the use of the electronic card of the user terminal In claim 1,
Electronic card issuing device further comprises a point processing unit for managing by earning a portion of the used amount as a point. The method of claim 12,
The point processing unit,
The point is converted into cash and the electronic card issuing device for depositing into the account of the user terminal. A method for issuing an electronic card to a user terminal by an electronic card issuing device,
Receiving an application for issuing the electronic card from the user terminal;
Issuing the electronic card through an authentication procedure;
When the user terminal uses the electronic card to a user terminal, receiving a request for approval of the use of the electronic card from the user terminal;
Identifying the user terminal, and
Sending an acknowledgment of the use of the electronic card to the usage terminal;
Electronic card issuing method comprising a. The method of claim 14,
The electronic card has a code form and is stored in the user terminal. The method of claim 14,
The use terminal is an electronic card issuing method comprising a terminal of a sales information management system (POS) and an automatic teller machine (ATM). The method of claim 14,
The issuing step is an electronic card issuing method that is performed through an authentication procedure. The method of claim 14,
The checking step,
Confirming the account number of the user terminal and the account password of the user terminal. The method of claim 14,
Calculating the amount of use of the electronic card to the terminal of use;
Electronic card issuing method comprising more. The method of claim 19,
The step of calculating,
Electronic card issuing method comprising the step of withdrawing the use amount from the account of the user terminal to the destination terminal. 20. The method of claim 20,
The step of calculating,
The electronic card issuing method further comprises the step of subtracting a predetermined fee and calculating the amount of use. 20. The method of claim 20,
The step of calculating,
Electronic card issuing method that is made in real time or made a certain time according to the use of the electronic card of the user terminal. The method of claim 14,
Electronic card issuing method further comprising the step of earning a portion of the use amount. Issuing device for issuing an electronic card stored in the user terminal,
Memory,
A storage device for implementing a user management unit, an application unit, an issuer, an approval processor, and a settlement processor; and
A processor configured to load and execute the user manager, the requester, the issuer, the approval processor, and the settlement processor in the memory
Including;
The user manager manages the information of the user terminal and the account of the user terminal, performs the authentication procedure of the user terminal,
The application unit receives an application for issuing the electronic card from the user terminal,
The issuing unit issues the electronic card to the user terminal,
When the user terminal uses the electronic card to the user terminal, the approval processing unit transmits the approval for the use of the electronic card to the user terminal,
The settlement processing unit for the user terminal to settle the amount of use by the user terminal using the electronic card
Electronic card issuing device. 25. The method of claim 24,
The electronic card issuing device is made in the form of a code. 25. The method of claim 24,
The use terminal is an electronic card issuing device including a terminal of a point of sales (POS) and an automatic teller machine (ATM). 25. The method of claim 24,
And the settlement processing unit withdraws the use amount from the account of the user terminal and transmits it to the user terminal.
KR1020100124400A 2010-12-07 2010-12-07 Device and method for issuing electric card KR20120076620A (en)

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KR1020100124400A KR20120076620A (en) 2010-12-07 2010-12-07 Device and method for issuing electric card

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Application Number Priority Date Filing Date Title
KR1020100124400A KR20120076620A (en) 2010-12-07 2010-12-07 Device and method for issuing electric card

Publications (1)

Publication Number Publication Date
KR20120076620A true KR20120076620A (en) 2012-07-09

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101522136B1 (en) * 2014-02-03 2015-05-20 (주)에이티솔루션즈 Method for Providing End-To-End Authentication Pass Through Assigned Terminal between Card and Server

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101522136B1 (en) * 2014-02-03 2015-05-20 (주)에이티솔루션즈 Method for Providing End-To-End Authentication Pass Through Assigned Terminal between Card and Server

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