KR100485939B1 - Smart card for member stores which join electric money chargig service - Google Patents

Abstract

The present invention relates to a smart card, and more particularly to a smart card for charging electronic money.

The present invention stores electronic money amount information / card information / linked account number information / security key information in a conventional smart card, and also stores program data describing encryption / verification (LSAM) program data / electronic money charging procedure. It is an object of the present invention to provide a smart card for a charging merchant to store the smart card so that the controller of the smart card performs an electronic money charging procedure with an external charging terminal (usually provided with a smart card input unit).

Electronic money charging merchant smart card according to the present invention, electronic money amount information, card information, connection account number information, security key information for storing (EPROM); A ROM storing program data describing card operating system (COS) program data, encryption / verification (LSAM) program data, and electronic money charging procedures; RAM for temporarily storing data generated during the program execution; An interface unit to interface signal transmission / reception with an external charging terminal; And executing a program stored in the ROM, performing the electronic money charging procedure with the external charging terminal through the interface unit, and storing electronic money amount information, card information, and a linked account stored in the EEPROM. And a control unit that guarantees the integrity of the number information and transmits it, and performs verification on the received information.

Accordingly, the electronic money amount information / card information / linked account number information / security key information is stored in a conventional smart card, and also the program data describing the encryption / verification (LSAM) program data / electronic money charging procedure is stored. The controller of the smart card can perform an electronic money charging procedure with an external charging terminal (which is usually provided with a smart card input unit).

Description

Smart card for electronic money recharge merchants {SMART CARD FOR MEMBER STORES WHICH JOIN ELECTRIC MONEY CHARGIG SERVICE}

The present invention relates to a smart card, and more particularly to a smart card for charging electronic money.

Existing real money not only has problems such as inconvenience of transaction, inconvenience of carrying and cost of making money, but also is inadequate for purchasing goods from far away. In addition to supplementing these problems, research and development of electronic money, a new concept of money, is an important payment method in providing many convenient services such as electronic commerce for economical shopping around the world. Is in progress. Electronic money is a currency composed of digital data to play the role of coins or banknotes in the virtual space of digital society based on digital data. More specifically, electronic money refers to goods that can be traded through a network such as the Internet or a communication network. . The need for such electronic money is greatly increased due to the rapid development of the Internet and electronic commerce, and it is also mainly used as a means for micropayment, especially in the transactions between individuals and companies. In other words, electronic money is widely used for payment methods of several hundred won to tens of thousands of won.

Currently, payment system using electronic money used in communication service, electronic commerce, financial field, transportation field is classified into electronic money, credit card, electronic check system, and complex payment system combining these basic forms according to their diversity. This can be developed. Typically, these complex or basic forms of payment can be implemented more securely with smart cards, and are expected to be deployed in this direction in the future. In general, smart cards are defined as `` credit card-sized plastic cards with integrated circuit chips that have the ability to handle specific transactions by having a microprocessor, card operating system, security module, memory, etc. '' . Types of such smart cards are classified into contact cards, contactless cards, and mixed cards according to data reading methods.

The contact card refers to an interface device that accommodates it, that is, a card that is activated by contact of the card with the contact of the interface device when inserted into the card terminal. There is a risk of damage, but it is used in a field that requires a high level of security and needs to perform a specific encryption algorithm in the card.

On the other hand, in the non-contact card, the computing element and the memory element required for the information processing function are the same as the contact card, but the power supply for driving the chip in the card is made through the electromagnetic coupling of the coils in the card, It means a card of the type using an electromagnetic induction method. The non-contact card is strong in the external environment because there is no direct contact with the interface device, and there is an advantage that the chip in the card is broken by the static electricity induced at the contact point, but the manufacturing cost and the interface device accommodating it are The disadvantage is that it is 1.5 to 2.5 times more expensive. Generally, a contactless card is applied to traffic, parking, access control, or the like, which is a type of service which directly manipulates information in the card or requires less confirmation.

Finally, the hybrid card is a type of card that supports both contact and contactless card types, such as a Combi card (Combi card) and a hybrid card (Hybrid card). The two cards have something in common in that they support both contact and contactlessness, but the architecture is slightly different. Combi cards are chemically combined cards that share parts that can be shared by contact / contactless cards within a single card.The combination card allows the integration of heterogeneous applications (eg chip operating system, same key or password) through internal resource sharing. Can bring However, if the shared memory area is compromised, both contact / contactless card functionality can be paralyzed. In a hybrid card, a contact card and a contactless card are physically separated from each other in a single card. Therefore, it is inefficient in utilizing hardware resources (eg, use of independent memory) and software resources (eg, a separate operating system must exist), and manufacturing costs are also rather high. Currently, Busan Hanaro Transportation Card is a representative example of a hybrid card.

In addition, the electronic money using the contact, contactless, and mixed cards described above can be divided into two types according to the distribution paths: first, card-type electronic money and second, network-type electronic money. Card-type electronic money can be used online and offline with the value of money on the card. Examples include companies such as Mondex, K-CASH, and V-CASH. Transportation cards are also included in the card type. On the other hand, network-type electronic money is used as a means that can be used only on the Internet, such as Internet e-commerce, and may include companies such as coin and yen-cash.

The card-type electronic money can be used in traffic, communication and general stores in a manner that can be used in real life, and the network-type electronic money can be used in virtual shops and the like on a computer that can communicate.

Each of the above two methods has advantages and disadvantages. Since card-type electronic money can be used closely in real life and operates off-line, it is very convenient in terms of use and familiarity, while the card terminal infrastructure is built up. The disadvantage is that it must be.

Network type electronic money is easy to build infrastructure and can be spread quickly because it is not subject to physical and time constraints, but there are disadvantages of weaknesses in security (such as electronic values located on PCs) and connection with real life.

On the other hand, the method of charging the card-type electronic money is to receive the electronic money as much as the amount paid by the customer from the charging terminal while the customer smart card is inserted into the charging terminal provided in the charging merchants.

Looking at the prior art for charging the card-type electronic money as follows. In other words, the merchant charging terminal is connected to the card issuer (bank, etc.) computer directly or via a value-added communication network (VAN network). In addition, the merchant charging terminal is provided with an on-line communication unit, and the procedure for inquiring a customer electronic money card inserted in the merchant charging terminal between the merchant charging terminal and the card issuer computer is performed on-line. Is done.

However, since the on-line smart card charging method must use the on-line communication line, the cost of constructing the communication line is expensive, and the fee for charging merchants is too low. It acts as a stumbling block to spreading money cards. Therefore, since there are not many charging merchants, there is a difficulty in recharging electronic money, so that not only new electronic money sales but also already available electronic money cards cannot be used smoothly, and even reusable electronic money cards are discarded. The wind caused a huge loss of card production costs. In particular, most electronic money cards rely on imports, causing huge foreign currency waste.

In order to solve the problems of the prior art, Korean Patent Publication No. 10-0292016 (2001.03.19) discloses a technology related to a charging branch storage medium and an off-line prepaid card charging system using the same.

The gist of the technique of Korean Patent Publication No. 10-0292016 is an off-line that does not use a communication line by using a charge-value storage medium that can store or read a value corresponding to cash when an interface by an external device is supported. This way you can easily charge your prepaid card.

However, the charge value storage medium, as described in claim 1, the value storage means for recording or reading the charge value corresponding to cash; An off-line security circuit (SAM) having decoding logic for validating a data storage system for the value storage unit or a unique number (or code) unique to a memory; The value storage unit is accessed through communication with an external device to access the value storage unit, and the validity control in the off-line security circuit is controlled for the accessed result, or the charging value provided from the external interface circuit is stored. Memory control means for recording in the; including, to charge and store the value corresponding to the amount already paid to the card issuer or card operating entity, characterized in that to reduce the charge value step by step or at a time do.

However, these charging value storage media have various problems. That is, since the off-line security circuit is configured separately from the value storage unit and the memory control unit and is configured independently, as described in claim 1, a data storage system for the value storage unit or a unique number unique to the memory itself ( Or a function of verifying the value storage unit itself, i.e., must be provided in the off-line security circuit.

However, the function of verifying the value storage unit itself is inevitable since the off-line security circuit is configured separately from the value storage unit, and may be an unnecessary function depending on the implementation method. In addition, in order to install a security circuit having a decoding logic unit, the charging value storage medium must be implemented in the form of a PCB module.

Therefore, the charging time is extended, the manufacturing cost of the charge value storage medium is increased, and the charge value storage medium of the PCB module type is inconvenient to carry, resulting in low product competitiveness.

In addition, in order to charge electronic money in such a PCB module type charging value storage medium at the card issuer side, the charging terminal (or the same applies to a charging terminal using a card issuance) is used for a charging terminal. In addition to (47), a memory I / F unit 48 for inserting the charge value storage medium should be further provided (see FIG. 5 of Korean Patent Publication No. 10-0292016).

Therefore, the charging terminal also increases the manufacturing cost, the product competitiveness is lowered.

SUMMARY OF THE INVENTION The present invention is derived from this situation, and an object thereof is to provide a smart card for a charging merchant for charging a customer's electronic money card off-line.

Furthermore, the present invention stores electronic money amount information / card information / linked account number information / security key information in a conventional smart card, and also program data which describes encryption / verification (LSAM) program data / electronic money charging procedure. It is an object of the present invention to provide a smart card for charging merchants to store the electronic card, the control unit of the smart card to perform the electronic money charging procedure with the external charging terminal (usually provided with a smart card input unit).

Furthermore, the present invention is that the smart card is inserted into the charging terminal (usually equipped with a smart card input unit) on the card issuer side so that the amount of money deducted from the linked account can be charged with electronic money. The purpose.

Furthermore, an object of the present invention is to enable the smart card to be refunded to the charging terminal (usually equipped with a smart card input unit) of the card issuer so that the amount of money deposited in the linked account can be refunded. .

Furthermore, the present invention is that the smart card is inserted into the charging terminal (usually equipped with a smart card input unit) of the charging merchant side so that the amount corresponding to the customer's electronic money card can be charged with electronic money. The purpose.

According to an aspect of the present invention for achieving the above object, an electronic money charging merchant smart card according to the present invention, electronic money amount information, card information, connection account number information, security key information for storing EPIROM (EEPROM) ); A ROM storing program data describing card operating system (COS) program data, encryption / verification (LSAM) program data, and electronic money charging procedures; RAM for temporarily storing data generated during the program execution; An interface unit to interface signal transmission / reception with an external charging terminal; And executing a program stored in the ROM, performing the electronic money charging procedure with the external charging terminal through the interface unit, and storing electronic money amount information, card information, and a linked account stored in the EEPROM. It is characterized in that it comprises a control unit for ensuring the integrity of the number information transmitted, and performs the verification on the received information.

Accordingly, the electronic money amount information / card information / linked account number information / security key information is stored in a conventional smart card, and also the program data describing the encryption / verification (LSAM) program data / electronic money charging procedure is stored. And, the control unit of the smart card can perform the electronic money charging procedure with the external charging terminal (which is usually provided with a smart card input unit).

According to an auxiliary aspect of the present invention, the control unit does not verify the validity of the information stored in the EEPROM.

Accordingly, the decoding logic for validating the data storage system for the information stored in the EEPROM or the unique number (or code) of the EPIROM is not necessary, thereby providing a smart card that is simple to implement. It becomes the number.

According to an auxiliary aspect of the present invention, when response information indicating that the amount of money is deducted from the card issuer is received from the card issuer charging terminal, the controller increases the electronic money balance stored in the EEPROM by the amount of money charged. It features.

Accordingly, the smart card is inserted into the charging terminal (usually provided with a smart card input unit) on the card issuer side, so that the amount of money deducted from the linked account can be charged by electronic money.

According to an auxiliary aspect of the present invention, when the card information / electronic money amount information of the customer electronic money is received from the merchant charging terminal, the control unit reduces the electronic money balance stored in the EEPROM by a charging amount It is characterized by.

Accordingly, the smart card is inserted into a charging terminal (normally equipped with a smart card input unit) of the charging merchant side to charge the amount corresponding to the electronic money card of the customer with electronic money.

According to an auxiliary aspect of the present invention, when response information indicating that the amount of money is deducted from the card issuer is received from the card issuer charging terminal, the controller increases the electronic money balance stored in the EEPROM by the amount of money charged. It features.

Accordingly, the smart card is inserted into the charging terminal (usually provided with a smart card input unit) on the card issuer side to refund the amount of money deposited in the linked account.

This, a further additional aspect of the present invention will become more apparent through the preferred embodiments described below with reference to the accompanying drawings. Hereinafter, the present invention will be described in detail to enable those skilled in the art to easily understand and reproduce the present invention.

1 illustrates a configuration stored in a smart card according to the present invention.

As shown in FIG. 1, the smart card for merchants charging electronic money includes an electronic money amount information, card information, connection account number information, security key information, and an EEPROM 101 and a card operating system. (COS) ROM 103 for storing program data, encryption / verification (LSAM) program data, and program data describing an electronic money charging procedure, and RAM for storing data temporarily generated during execution of the program. (RAM) 105, an I / O interface unit 109 for interfacing a signal transmission / reception with an external charging terminal, and a program stored in the ROM, to execute the external charging terminal through the interface unit. Perform the electronic money charging procedure with the electronic money amount information, the card information, and the connection account number information stored in the EEPROM To the information characterized by comprising a controller 107 that performs the verification.

In this case, the encryption / verification (LSAM) Load Secure Application Module (LSAM) program data stored in the ROM (103) is typically encrypted with respect to information transmitted / received in order to verify a customer's electronic money card at a charging merchant side. And LSAM function to verify is implemented. Thus, the control unit 107 performs the encryption / verification (LSAM) program, encrypts and transmits the electronic money amount information, card information, and connection account number information, and performs verification on the received information. The security module that verifies the charging merchant at the card issuer side is commonly referred to as PPSAM (Purse Provider SAM).

On the other hand, the electronic money amount information stored in the EEPROM (101) may be made up of the current balance information and the maximum amount information that can be fully charged at one time. Further, the card information stored in the EEPROM 101 may include load secure application module (LSAM) identification information, card issuer (for example, Chohung Bank) identification information, password information, and card holder (charging merchant owner) information. It can be done as Here, the password information may be divided into a password for accessing the LSAM and a password of the connection account. In addition, the linked account number information stored in the EEPROM (101) may be an account number opened by the charging merchant owner to the card issuer in order to pay the amount of the charge. In addition, the security key information stored in the EEPROM (EEPROM) 101 is charged key information / refund key information for receiving or refunding the electronic money in the smart card for the charging merchant itself, the amount of money in the customer's electronic money card Charging key information for charging the can be made. At this time, if the smart card for charging merchants to implement the charging can be performed in both the RF type electronic money card and the contact type electronic money card, the security key information for charging the electronic money card of the customer is for contact (IC) It can be divided into card charging key information and contactless (RF) card charging key information.

The COS program data stored in the ROM 103 is an operating program required for overall control of the smart card. As described above, the encryption / verification (LSAM) program data stored in the ROM (ROM) 103 is implemented as a function that is typically used to verify a customer's electronic money card at the charging merchant side.

In addition, as described above, the ROM 103 stores program data describing an electronic money charging procedure. When the electronic card charging merchant smart card is inserted into an input unit (normal smart card input unit, not shown in FIG. 1) of the external charging terminal, the control unit 107 operates the charging procedure according to the charging procedure program. Will be performed. In addition to the charging procedure for charging the electronic money in the charging merchant smart card itself, which is performed in the charging merchant charging terminal as described above, a procedure for refunding the charged electronic money in the charging terminal using the card issuance, and the customer's electronic money card A charging procedure may be performed to recharge the amount.

EEPROM (101), ROM (103), RAM (105), the interface unit 109, the control unit 107 of the smart card for merchants charging electronic money consists of a single chip package do.

1, the smart card stores electronic money amount information / card information / connection account number information / security key information in a conventional smart card, and also encrypts the smart card. Stores program data describing the LSAM program data / electronic money charging procedure and allows the control of the smart card to perform an electronic money charging procedure with an external charging terminal (which is normally equipped with a smart card input). Will be.

2 is a view illustrating a procedure of charging / refunding electronic money between a card issuing computer by inserting a smart card for an electronic money recharging merchant into a card issuing charging terminal. Hereinafter, a description will be given with reference to FIG. 1.

The electronic card charging merchant smart card 100 is put into the input portion of the card issuing charge terminal 200. The card issuing charging terminal 200 includes a conventional smart card input unit. Card issuing charging terminal 200 may be implemented as a conventional ATM terminal. However, the card issuing charging terminal 200 should be provided with a program for recognizing the smart card 100 for electronic money charging merchants according to the present invention. The card issuing charging terminal 200 serves to pass information transmitted / received between the electronic card charging merchant smart card 100 and the card issuing computer 300, and a key input unit is provided so that the owner of the charging merchant is a key. Generates the password / charge amount key data to enter and deliver it to the smart card 100 for electronic money charging merchants (see Figure 4).

The electronic card charging merchant smart card 100 and the card issuer computer 300 is provided with a configuration for encrypting and verifying the information transmitted and received. That is, as described above, the electronic card charging merchant smart card 100 has a built-in LSAM program, and the card issuer computer 300 is provided with a PPSAM module for verifying the LSAM. In other words, the operation for encrypting and verifying the information transmitted / received by the electronic card charging merchant smart card 100 and the card issuer computer 300 is the same as that of a normal one.

For reference, a process of encrypting (verifying) information (for example, card information) transmitted by the SAM algorithm will be briefly described. That is, the sender encrypts the information to send using a cryptographic key (preferably using a one-time session key to maintain a higher level of security) to create a sign (electronic signature). When the information is transmitted, an operation of attaching a generated sign value to the card information is performed to secure and transmit the integrity of the transmission information. The sign value is generated to ensure the integrity of the transmission information.

Briefly describing the process of verifying the received information, a signature is generated by encrypting the received information using an encryption key held by the receiver. And the verification is performed by comparing the generated sign value and the received sign value (digital signature value). If both sign values are the same as the result of the verification, the integrity of the data transmitted and received is secured. Validation is properly performed when the encryption key is present on the sending side (e.g. electronic money card) and the receiving side (e.g. charging card).

Hereinafter, the charging procedure between the electronic card charging merchant smart card 100 and the card issuer computer 300 will be described with reference to FIG. 2A.

For example, when the card issuing charging terminal 200 receives the amount of money information and password information to be charged while the smart card 100 for the electronic money charging merchant is input (201a), the card issuing charging terminal 200 ) Transmits the charged amount information and the password information to the smart card 100 for the electronic money charging merchant (203a).

Then, the electronic card charging merchant smart card 100 checks the received password information (204a), the card information stored in the EPI rom 101, connection account number information, electronic money amount information and charge amount information The card issuance is transmitted to the charging terminal 200 (205a). Of course, at this time, the electronic card charging merchant smart card 100 ensures the integrity of the information to be transmitted, according to the encryption / verification program stored in the ROM 103, for example, encrypted or digitally signed and encrypted information ( And random number information) together with the information. Hereinafter, the operation of encrypting the specific information and the operation of transmitting the encrypted information (with the digital signature) together are obvious, and thus, the description will be omitted for convenience of description. In addition, the charge amount information and password information is the information generated by the charging merchant owner key-in the amount to be charged to the card issuing charge terminal 200 (see steps 201a, 203a).

Then, the card issuing charging terminal 200 transmits the received information to the card issuer computer 300 (207a). When the card issuer computer 300 receives the information, the card issuer computer 300 subtracts the charge amount from the connection account of the charging affiliate store (209a). Of course, at this time, the card issuer computer 300 performs an operation of verifying the received information. Since the operation of verifying the specific received information in relation to the electronic money is naturally performed in the normal PPSAM, a description thereof will be omitted below.

Then, the card issuer computer 300 transmits a response signal for the processing result (that is, the result of the deduction) to the smart card 100 for the electronic money charging merchant through the card issuing charging terminal 200 (211a, 213a). . When receiving the response signal, the electronic money charging merchant smart card 100 increases the amount of charge from the electronic money amount information stored in the EPI rom 101 (215a).

Next, with reference to Figure 2b will be described for the refund procedure between the electronic card charging merchant smart card 100 and the card issuer computer (300).

For example, when the card issuing charging terminal 200 receives the amount of money information and password information to be refunded while the smart card 100 for the electronic money charging merchant is input (201b), the card issuing charging terminal 200 ) Transmits the refund amount information and the password information to the smart card charging merchant smart card 100 (203b).

Then, the electronic card charging merchant smart card 100 checks the received password information (204b), the card information, the connection account number information, the electronic money amount information and the refund amount information stored in EPI rom 101 The card issuance is transmitted to the charging terminal 200 (205b). Here, the refund amount information and the password information are information generated by keying the amount to be refunded to the card issuer using the charging terminal 200 (see steps 201b and 203b).

Then, the card issuing charging terminal 200 transmits the received information to the card issuer computer 300 (207b). When the card issuer computer 300 receives the information, the card issuer computer 300 deposits a refund amount from the connected account of the charging affiliate store (209b). Then, the card issuer computer 300 transmits a response signal for the processing result (that is, the refund result) to the smart card 100 for electronic money charging merchant through the card issuing charging terminal 200 (211b and 213b). . When receiving the response signal, the electronic card charging merchant smart card 100 reduces the amount of charge in the electronic money amount information stored in the EPI rom 101 (215b).

In the description of Figure 2, the smart card for electronic money charging merchants according to the present invention is put into the charging terminal (usually equipped with a smart card input unit) of the card issuer as much as the amount deducted from the linked account Can be charged with electronic money, and also the electronic money can be refunded as much as the money deposited from the linked account.

In addition to the case where the self-charging / refund procedure for the smart card for charging can be performed through the card issuing charging terminal as described above, communication between the card issuer computer (PPSAM) and the smart card for charging is performed by connecting the charging merchant terminal online. Self-charging / refund can be implemented to be made through the terminal for the charging merchant.

3 is a diagram illustrating a procedure of charging an electronic money between a customer electronic money card by inputting a smart card for an electronic money charging merchant into a charging terminal for a charging merchant. Hereinafter, a description will be given with reference to FIGS. 1 and 2.

The electronic money charging merchant smart card 100 and the customer electronic money card 400 is input to the input unit of the electronic money charging merchant 500. The charging terminal 500 includes a conventional smart card input unit for the input of the smart card 100 for the electronic money charging merchant (see FIG. 4).

The electronic money charging merchant terminal 500 serves to pass information transmitted / received between the electronic money charging merchant smart card 100 and the customer electronic money card 400, and is provided with a key input unit for charging merchants. The owner generates key data such as a password / charge amount inputted by the owner and transmits it to the smart card 100 for the electronic money charging merchant.

The card information, the electronic money amount information, and the charge amount information, in which the customer electronic money card 400 is stored, are transmitted to the charging terminal 200 for the electronic money charging merchant (305). Herein, the charge amount information is information generated by keying a charge amount to be charged in the charging terminal 500 for the electronic money charging affiliate store owner (301 and 303).

Then, the electronic money charging merchant charging terminal 500 transmits the received information to the electronic money charging merchant smart card 100 (307). When the electronic card charging merchant smart card 100 receives the information, the electronic money amount is reduced by the charged amount in the electronic money amount information stored in the EEPROM (101) (309).

And the smart card charging merchant smart card 100 transmits a response signal for the processing result (that is, the reduction result) to the customer electronic money card 400 through the electronic money charging merchant charging terminal 500 ( 311, 313). When the customer electronic money card 400 receives the response signal, the customer electronic money card 400 increases the charge amount from the stored electronic money amount information (315).

As described above, according to the present invention, the electronic money amount information / card information / connection account number information / security key information is stored in a normal smart card, and also encryption / verification (LSAM) program data / electronic money charging procedure The program data described are stored, and the control unit of the smart card can perform an electronic money charging procedure with an external charging terminal (having a normal smart card input unit).

In addition, the decoding logic for validating the data storage system for the information stored in the EEPROM or the unique number (or code) of the EPIROM becomes unnecessary, thereby simplifying the implementation of the smart card.

In addition, the smart card is inserted into a charging terminal (usually provided with a smart card input unit) of the card issuer side, so that the amount of money deducted from the linked account can be charged by electronic money.

In addition, the smart card is inserted into a charging terminal (usually equipped with a smart card input unit) of the charging merchant side to charge the amount corresponding to the customer's electronic money card with electronic money.

In addition, the smart card is inserted into the charging terminal (usually equipped with a smart card input unit) of the card issuer side can be refunded as much as the amount deposited in the linked account.

In addition, according to the present invention, there is an effect that the smart card for the charging merchant for charging the customer's electronic money card off-line, there is an advantage that it is possible to simply implement a terminal for charging electronic money.

1 is a view showing a configuration stored in the smart card according to the present invention.

2 is a diagram illustrating a procedure of charging / refunding electronic money between card issuing computers by inserting a smart card for an electronic money charging merchant into a card issuing charging terminal.

3 is a diagram illustrating a procedure for charging an electronic money between a customer electronic money card is put into a charging terminal for a charging merchant smart card for the electronic money charging merchant.

4 is a view showing a state in which a smart card for charging electronic money merchants are put into the charging terminal.

Claims (6)

delete delete EEPROM for storing electronic money amount information, card information, security key information; A ROM storing program data describing card operating system (COS) program data, encryption / verification (LSAM) program data, and electronic money charging procedures; RAM for temporarily storing data generated during the program execution; An interface unit to interface signal transmission / reception with an external charging terminal; And The program stored in the ROM is executed to perform the electronic money charging procedure through the interface unit, and the electronic money amount information and the card information stored in the EEPROM are guaranteed and transmitted. A control unit which performs verification on the information to be used, and decreases the electronic money balance stored in the EEPROM by a charging amount when the electronic money card information and the charging amount information for the customer are received from the charging terminal for the merchant; Smart card charging merchants characterized in that the electronic money. The method according to claim 3, The EEPROM further includes connection account information, The control unit, When the card issuer charging terminal receives the response information indicating that the amount is deducted from the connection account, the electronic money charging merchant smart card, characterized in that for increasing the electronic money balance stored in the EEPROM by the amount charged. The method according to claim 4, The control unit, If the card issuer charging terminal receives response information indicating that the amount of money has been deposited from the linked account, the electronic money charging merchant smart card may be reduced by a refund amount of the electronic money balance stored in the EEPROM. . The method according to any one of claims 3 to 5, The EEPROM, ROM, RAM, interface unit, the control unit, Smart card charging merchant credit card, characterized in that consisting of one chip package.