KR20160117820A - Remittance system small amount of money using cash card and method performing thereof - Google Patents

Remittance system small amount of money using cash card and method performing thereof Download PDF

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Publication number
KR20160117820A
KR20160117820A KR1020150045442A KR20150045442A KR20160117820A KR 20160117820 A KR20160117820 A KR 20160117820A KR 1020150045442 A KR1020150045442 A KR 1020150045442A KR 20150045442 A KR20150045442 A KR 20150045442A KR 20160117820 A KR20160117820 A KR 20160117820A
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user
terminal
account
remittance
cash card
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KR1020150045442A
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Korean (ko)
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KR101813320B1 (en
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박동현
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주식회사 우리은행
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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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • 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

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  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

According to an embodiment of the present invention, a method for sending a small amount of money using a cash card remits a small amount of money between first and second users. When a terminal of the first user is tagged with a cash card of the second user, the terminal receives a withdrawal account from the cash card. While the withdrawal account, and a deposit account related to the first user are set to the terminal of the first user, if an amount of remittance is input by the first user, the terminal requests an input of a password. When the second user inputs the password to the terminal of the first user, the terminal provides a remittance request message to a server of a financial company, and the server withdraws the amount of remittance from the withdrawal account and deposits the remittance to the deposit account. Thus, the present invention can enable an offline simple payment system to be constructed without a separate infrastructure such as a POS since a buyer tags a cash card or a mobile cash card on a terminal of a seller and the seller receives a password from the buyer and performs a payment at the payment between the seller and the buyer.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a remittance system,

Embodiments of the present invention relate to a microcredit system using a cash card and a method of executing the system.

Various remittance schemes have been developed and used to eliminate the inconveniences such as inconvenience caused by the use of cash and the possibility of returning unaccountable balances at the time of loss, and to lay the foundations of the credit society.

An example of this is the bank transfer method, which has the inconvenience of having to visit the bank and submit the relevant documents directly.

In order to improve the inconvenience, a bank transfer method using the Internet has recently been used. However, this method requires receiving a user certificate, storing the certificate on a diskette for use on another computer, inconvenience of memorizing the account number of the other party or storing the account number separately, In the same manner as in the first embodiment.

In order to improve the inconvenience of the account transfer method using the Internet, a smart money transfer method has recently been used. However, since the screen of the smartphone is very small, there is a problem that the possibility of error occurs in the process of inputting the account number by the user.

The present invention provides an offline simple payment system without a separate infrastructure such as POS by tagging a buyer's cash card or a mobile cash card at a seller's terminal and receiving a password from a buyer upon payment between a seller and a purchaser It is an object of the present invention to provide a small amount remittance system using a cash card and a method for executing the same.

In addition, the present invention deposits the withdrawn amount from the buyer's account in the escrow account and deposits the remaining amount of the withdrawn escrow account from the escrow account after the predetermined cancelable period to the deposit account, And a method for executing the method.

Also, the present invention provides a small amount remittance system using a cash card and a method of executing the system, in which a payment using a cash card is activated by a buyer by providing a tax benefit through a cash receipt after settlement between a seller and a purchaser is completed .

The problems to be solved by the present invention are not limited to the above-mentioned problem (s), and another problem (s) not mentioned can be clearly understood by those skilled in the art from the following description.

Among the embodiments, a small amount remittance method using a cash card that executes a small amount remittance between a first user and a second user is a method in which a terminal of a first user receives a withdrawal account from the cash card when a second user's cash card is tagged Requesting the terminal of the first user to input a password when the remittance amount is input by the first user in a state where the withdrawal account and the deposit account associated with the first user are set, Providing a remittance request message to a server of a financial company when the user terminal inputs a password by the second user and a server of the financial institution withdrawing the remittance amount from the remittance account in accordance with the validity of the password, .

Among the embodiments, a microcredit system using a cash card that performs a micro transfer between a first user and a second user receives a withdrawal account from the cash card when the second user's cash card is tagged, Requesting input of a password when the remittance amount is input by the first user in a state that the deposit account associated with the first user is set and providing a password transfer request message when the password is input by the second user And a server of a financial institution that, when receiving the account transfer request message from the terminal of the first user and the terminal of the first user, withdraws the remittance amount from the withdrawal account according to the validity of the password and deposits the remittance amount into the deposit account.

The details of other embodiments are included in the detailed description and the accompanying drawings.

BRIEF DESCRIPTION OF THE DRAWINGS The advantages and / or features of the present invention, and how to accomplish them, will become apparent with reference to the embodiments described in detail below with reference to the accompanying drawings. It should be understood, however, that the invention is not limited to the disclosed embodiments, but is capable of many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, To fully disclose the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. Like reference numerals refer to like elements throughout the specification.

According to the present invention, since the user can tag the cash card or the mobile cash card of the buyer in the terminal of the seller at the time of settlement between the seller and the purchaser, and execute the payment by inputting the password from the buyer, the offline easy payment system There is an advantage to be able to do.

In addition, according to the present invention, after depositing the withdrawn amount from the buyer's account in the escrow account and depositing the remaining amount in the escrow account after the predetermined cancelable period, excluding the predetermined fee, to the deposit account, Can be canceled.

Also, according to the present invention, after the payment between the seller and the purchaser is completed, the cashier can provide the tax benefit through the cash receipt so that the payment using the cash card can be activated by the purchaser.

1 is a network diagram illustrating a microcredit system using a cash card according to an embodiment of the present invention.
2 is a block diagram illustrating an internal structure of a server of a financial institution according to an embodiment of the present invention.
3 is a block diagram illustrating an internal structure of a terminal of a first user according to an embodiment of the present invention.
4 is a flowchart for explaining an embodiment of a small amount remittance method using a cash card according to the present invention.
FIG. 5 is a flowchart for explaining an embodiment of a small amount remittance method using a cash card according to the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a network diagram illustrating a microcredit system using a cash card according to an embodiment of the present invention.

Referring to FIG. 1, a microcredit system using a cash card includes a server 100 of a financial institution, a terminal 200 of a first user, and a terminal 300 of a second user.

When the account transfer request message is received from the terminal 200 of the first user or the terminal 300 of the second user, the server 100 of the financial institution executes the account transfer based on the account transfer request message.

When the cash card is tagged, the terminal 200 of the first user requests the transfer of a specific amount from the account associated with the cash card to his account through NFC communication. Examples of the terminal 200 of the first user may include an owner of an individual user, a seller, and an affiliate shop.

The terminal 300 of the second user is a terminal held by an individual user or a purchaser who presents a cash card to transfer a specific amount to the account of the first user.

If the first user and the second user are individual users, the transfer between the individual and the purchaser can be carried out between the seller and the purchaser when the first user is the seller and the second user is the purchaser.

The terminal 200 of the first user may store an application (e.g., a security access module) capable of reading a cash card through NFC communication. The terminal 200 of the first user may receive the withdrawal account from the cash card when the second user tags the cash card through the application or the terminal 300 of the second user may be stored in the terminal 300 of the second user The withdrawal account can be received from the mobile cash card.

In one embodiment, when the plastics cash IC card of the second user is tagged, the terminal 200 of the first user is prompted by the withdrawal account read from the plastics cash card, the deposit account associated with the first user, Set the remittance amount and ask for the password. When the password is input by the second user, the terminal 200 of the first user provides the account transfer request message to the server 100 of the financial company.

In another embodiment, when the terminal 300 of the second user is tagged, the terminal 200 of the first user can access the withdrawal account read from the mobile cash IC card stored in the terminal 300 of the second user, To the terminal 300 of the second user, an approval request message including the deposit account associated with the first user and the remittance amount input by the first user.

In this embodiment, when the processing for the approval request message is completed by two users, the terminal 300 of the second user provides the account transfer request message to the server 100 of the financial company.

2 is a block diagram illustrating an internal structure of a server of a financial institution according to an embodiment of the present invention.

2, a server 100 of a financial institution includes an account management unit 110, an authentication unit 120, a money transfer execution unit 130, and a control unit 140.

The account management unit 110 may open and manage an account for providing a currency deposit and withdrawal service. The type of account may include at least one of free deposit and withdrawal, deposit, trust and deposit. The account management unit 110 may additionally receive the additional information of the account from the user and apply it to the account. The additional information of the account may include at least one of a transfer limit amount for the account and a withdrawal limit amount. If the account is an account linked to an investment grade financial instrument, that is, if the account is at least one of a deposit, a trust, and a deposit, the account manager 110 may include financial instrument attribute information associated with the account.

The account management unit 110 may store the account opening history after the opening of the account is completed. The account opening history may include information about a user associated with the account. The information about the user may include at least one of a country code, a customer classification, a customer name, a customer address, a region identification code, a telephone number, a company address, a business telephone number, an account number, an initial transaction date and a final transaction date.

The account management unit 110 may open a minus account according to the rating of the user. A negative account is an account that allows you to deduct a certain amount of money within a predetermined maximum amount according to your credit rating.

The account management unit 110 may connect the account and the cash card at the request of the user.

In one embodiment, the account management unit 110 may connect the account and the cash card in a one-to-one relationship. For example, when the cash card A is used, the account management unit 110 can connect the cash to be withdrawn corresponding to the use of the cash card A in the account B.

In another embodiment, the account management unit 110 may connect the account of the user's name and the cash card N: 1. For example, when the cash card A is used, the account management unit 110 can connect the account C and the account D so as to be withdrawn. In this case, the card A is withdrawn from the account C if used, and withdrawn from the account D if the amount of the account C is insufficient.

When the remittance request message is received from the terminal of the first user terminal 200, the authentication unit 120 authenticates the remittance request message and provides the result of the authentication execution to the account transfer execution unit 130. Here, the remittance request message may include a withdrawal account, a password, a deposit account, and a remittance amount.

In one embodiment, the authentication unit 120 determines that the authentication is successful or unsuccessful according to whether the information included in the remittance request message matches the predetermined information, and provides the authentication execution result to the account transfer execution unit 130 .

The account transfer execution unit 130 can execute the account transfer according to the authentication result by the authentication unit 120. [ At this time, the account transfer execution unit 130 can withdraw the remittance amount from the withdrawal account and deposit it in the deposit account.

In one embodiment, the account transfer execution unit 130 can withdraw a remittance amount and an amount corresponding to a predetermined fee from a withdrawal account, and deposit the remittance amount in the deposit account.

In another embodiment, the account transfer execution unit 130 can withdraw the remittance amount from the withdrawal account and deposit the remaining amount, excluding the amount corresponding to the predetermined commission, in the transfer account.

The account transfer execution unit 130 deposits the remittance amount in the withdrawal account before depositing the remittance amount in the escrow account before depositing the deposit in the deposit account, and withdraws the remittance amount from the escrow account after the predetermined time elapses and deposits the remittance amount in the deposit account.

In one embodiment, if cancellation is not requested by the terminal 300 of the second user for a predetermined cancelable period, the account transfer execution unit 130 may withdraw the remittance amount from the escrow account and deposit the remittance amount in the deposit account .

In another embodiment, when cancellation is requested by the terminal 300 of the second user within the predetermined cancelable period, the account transfer execution unit 130 transfers the remaining amount excluding the predetermined cancellation fee from the deposited amount to the escrow account To the account associated with the second user.

The control unit 140 can control the other components of the server 100 of the financial institution to execute the account transfer.

3 is a block diagram illustrating an internal structure of a terminal of a first user according to an embodiment of the present invention.

3, the terminal 200 of the first user includes a screen output unit 210, a sound processing unit 220, a key input unit 230, a radio processing unit 240, a memory unit 250, a camera unit 260 And a control unit 270. [0033]

The screen output unit 210 is a liquid crystal display (LCD) driver for outputting a screen image to the key input unit 230 by a control unit 270 (e.g., a program routine for outputting predetermined information or data to the LCD) (E.g., text content, image content, or multimedia content) extracted or generated in the process of performing a predetermined function provided in the terminal 100 of the first user, And outputs it to a predetermined screen output device (e.g., an LCD panel).

Preferably, the screen output unit 210 performs a function of outputting predetermined information necessary for performing the account transfer by interlocking the screen output device (LCD).

The sound processing unit 220 encodes a predetermined sound signal input from a microphone provided in the terminal 200 of the first user and supplies the encoded sound signal to the control unit 270, The sound processing unit 220 is provided with a predetermined vocoder and a codec for decoding the sound signal and outputting it through a speaker.

The sound processing unit 220 performs a function of sound input means provided in the wireless terminal through a microphone or the sound processing unit 220 performs a function of a sound output means provided in the terminal 200 of the first user through a speaker .

The key input unit 230 may include a keypad having at least one key button including a predetermined number key, a character key, or a function key. (Or signal) from the predetermined key button provided on the keypad in a specific input mode or operation mode of the terminal 200 of the first user controlled by the controller 270 (E.g., MH_KEY_PRESSEVENT, MH_KEY_REPEATEVENT, and MH_KEY_RELEASEEVENT) corresponding to the input information (or signal), and provides the generated key event to the control unit 270. FIG.

The control unit 270 reads predetermined key data corresponding to a key event in the current input mode or operation mode of the first user terminal 200 (e.g., corresponding to a specific key event in each wireless terminal input mode or operation mode) And reading the key data from the key table storing (or managing) at least one key data of the at least one key data, or reading a command for executing a predetermined function defined by matching with the key event.

The keypad having the key input unit 230 and at least one or more key buttons performs a function of a key input unit included in the terminal 200 of the first user.

The radio processing unit 240 may perform location registration, slot mode, power control, or hand-off in conjunction with a control unit 270 (e.g., a program routine for providing a mobile communication service) Or a call processing procedure.

The radio processing unit 240 may perform an RF processing function (e.g., antenna control, modulation, synthesis, amplification, or the like) of a radio frequency signal to perform transmission and reception of a radio frequency signal with a base station corresponding to an end of the mobile communication network, Filtering, and the like).

In particular, the radio processor 240 processes the information or signals transmitted from the terminal 200 of the first user to the base station to provide a mobile communication service, or processes predetermined information or signals from the CDMA stack received from the base station And a function of reading out a signal is provided.

According to an embodiment of the present invention, the terminal 200 of the first user connects a predetermined radio section with a base station on a predetermined mobile communication network through a radio processing section 240, and transmits the radio section through a predetermined wired section including a base station It is preferable to connect a predetermined communication channel with a server 100 of a financial company provided on a predetermined communication network interlocked with a mobile communication network or a mobile communication network.

The memory unit 250 may store predetermined program routines (or codes) or program data (e.g., input / output data when an operation is performed by a program routine (or code)) to control the overall operation of the terminal 200 of the first user. Outputting information or data).

According to an embodiment of the present invention, the memory unit 250 preferably stores an application (for example, a security access module) that can perform the account transfer in conjunction with the server 100 of the financial company. Here, the memory unit 250 may include a memory unit 250 for storing the withdrawal account from the cash card when the second user tags the cash card through the application, or the mobile cash card stored in the terminal of the second user when the terminal 300 of the second user tags, Lt; RTI ID = 0.0 > a < / RTI >

The camera unit 260 reads raster-based CCD image information from a camera including a predetermined optical unit and a CCD (Charge Coupled Device) device in a bitmap format, and inputs image information to the control unit 270 .

The control unit 270 includes a processor including a CPU / MPU provided in a modem chip and an execution memory, and receives a predetermined function for providing a unique function of the terminal 200 of the first user from a predetermined memory element A bus (BUS) for inputting and outputting program routines or program data, and a predetermined electronic circuit (or an integrated circuit) provided for the bus (BUS) The control unit 270 realizes various functions to be implemented in the wireless terminal as a general term of a program routine or program data that is loaded and processed through a processor to perform a specific function, And controls and manages the overall operation of the terminal 200 of the first user .

Particularly, when the terminal 200 of the first user is powered on to perform the function of the controller 270 for controlling and managing the overall operation of the terminal 200 of the first user, Operating system routines, system management routines, or system variables may be variables loaded to and loaded into the execution memory to provide an operating system, system management program, or mobile communication service.

4 is a flowchart for explaining an embodiment of a small amount remittance method using a cash card according to the present invention.

Referring to FIG. 4, when the second user's cash card is tagged (step S410), the terminal 200 of the first user receives the withdrawal account from the cash card (step S420). If the remittance amount is input by the first user in a state where the withdrawal account and the deposit account associated with the first user are set (step S430), the terminal 200 of the first user requests the input of the password. If the password is input by the second user (step S440), the terminal 200 of the first user provides a remittance request message to the server 100 of the financial company (step S450). The server 100 of the financial company withdraws the remittance amount from the withdrawal account according to the validity of the password and deposits the remittance amount in the deposit account (step S460).

FIG. 5 is a flowchart for explaining an embodiment of a small amount remittance method using a cash card according to the present invention.

5, when the terminal of the second user is tagged (step S510), the terminal 200 of the first user receives the withdrawal account from the mobile cash card stored in the terminal 300 of the second user (step S520 ). If the remittance amount is inputted by the first user in a state in which the withdrawal account and the deposit account associated with the first user are set (step S530), the terminal 200 of the first user can use the withdrawal account, the deposit account associated with the first user And an approval request message including the remittance amount input by the first user to the terminal 300 of the second user (step S540).

When the processing for the approval request message is completed by the second user (step S550), the terminal 300 of the second user provides the approval completion message for the approval request message to the terminal 200 of the first user Step S560). When the terminal 200 of the first user receives the approval completion message from the terminal 300 of the second user, the terminal 200 provides a remittance request message to the server 100 of the financial company (step S570).

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined by the scope of the appended claims and equivalents thereof.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, Modification is possible. Accordingly, the spirit of the present invention should be understood only in accordance with the following claims, and all equivalents or equivalent variations thereof are included in the scope of the present invention.

100: Financial server
200: terminal of the first user
300: terminal of the second user

Claims (12)

A small amount remittance method using a cash card for performing a small amount remittance between a first user and a second user,
Receiving a withdrawal account from the cash card if the terminal of the first user is tagged with the cash card of the second user;
Requesting input of a password if the remittance amount is input by the first user in a state where the withdrawal account and the deposit account associated with the first user are set in the terminal of the first user;
If the terminal of the first user inputs a password by the second user, providing a remittance request message to the server of the financial company; And
The server of the financial institution withdraws the remittance amount from the withdrawal account according to the validity of the password and deposits the remittance amount in the deposit account
A small amount of remittance using a cash card.
The method according to claim 1,
The step of receiving the withdrawal account from the cash card when the terminal of the first user is tagged with the cash card of the second user
Receiving the withdrawal account from the mobile cash card stored in the terminal of the second user when the terminal of the second user is tagged to the terminal of the first user;
A small amount of remittance using a cash card.
3. The method of claim 2,
Further comprising the step of the terminal of the first user providing to the terminal of the second user an approval request message including the withdrawal account, the deposit account associated with the first user, and the remittance amount entered by the first user doing
A small amount of remittance using a cash card.
The method of claim 3,
Providing an approval message for the approval request message to the terminal of the first user when the terminal of the second user completes the processing of the approval request message by the second user;
When the terminal of the first user receives the approval completion message from the terminal of the second user, providing the remittance request message to the server of the financial company
A small amount of remittance using a cash card.
The method according to claim 1,
The server of the financial institution withdraws the remittance amount from the withdrawal account according to the validity of the password and deposits the remittance amount into the deposit account
The server of the financial institution withdraws the remittance amount from the withdrawal account and deposits it in the escrow account
And withdrawing the remittance amount from the escrow account and depositing the remittance amount in the deposit account if cancellation is not requested by the second user during the predetermined cancelable period
A small amount of remittance using a cash card.
6. The method of claim 5,
And if the cancellation is requested by the second user within the predetermined cancelable period, depositing the remaining amount excluding the predetermined cancellation fee from the deposited amount in the escrow account into the account associated with the second user
A small amount of remittance using a cash card.
A microdollution system using a cash card for performing a microdermount transfer between a first user and a second user,
Receiving a withdrawal account from the cash card when a second user's cash card is tagged, and when the remittance amount is input by the first user in a state where the withdrawal account and the deposit account associated with the first user are set, A first user terminal for providing an account transfer request message when a password is input by the second user,
And a server of a financial institution which, when receiving the account transfer request message from the terminal of the first user, withdraws the remittance amount from the withdrawal account according to the validity of the password and deposits the remittance amount into the deposit account
Cash transfer system using cash card.
8. The method of claim 7,
The terminal of the first user
When the terminal of the second user is tagged, receiving the withdrawal account from the mobile cash card stored in the terminal of the second user
Cash transfer system using cash card.
9. The method of claim 8,
The terminal of the first user
Providing an authorization request message including the withdrawal account, a deposit account associated with the first user, and a remittance amount entered by the first user to the terminal of the second user
Cash transfer system using cash card.
10. The method of claim 9,
The terminal of the second user
Providing an approval message for the approval request message to the terminal of the first user when the processing of the approval request message is completed by the second user,
The terminal of the first user
Upon receiving the approval completion message from the terminal of the second user, provides a remittance request message to the server of the financial company
Cash transfer system using cash card.
8. The method of claim 7,
The server of the financial company
Withdrawing the remittance amount from the withdrawal account and depositing the remittance amount in the escrow account, and if canceling is not requested by the second user within the preset cancelable period, withdrawing the remittance amount from the escrow account and depositing the remittance amount in the deposit account
Cash transfer system using cash card.
12. The method of claim 11,
The server of the financial company
If the cancellation is requested by the second user within the preset cancelable period, the remaining amount excluding the predetermined cancellation fee from the deposited amount in the escrow account is deposited into the account associated with the second user
Cash transfer system using cash card.
KR1020150045442A 2015-03-31 2015-03-31 Remittance system small amount of money using cash card and method performing thereof KR101813320B1 (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20200062133A (en) * 2017-12-20 2020-06-03 주식회사 플레이통 Deposit Device and deposit method

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20200062133A (en) * 2017-12-20 2020-06-03 주식회사 플레이통 Deposit Device and deposit method

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