KR100549209B1 - Card transaction system and method on on-line and/or off-line - Google Patents

Abstract

The present invention relates to a system and method for trading a card online and / or offline using a non-rechargeable electronic money card. The present invention provides a unique card number for each card and assigns a card account corresponding to the card number. A card issuing unit for setting and issuing a card; A card settlement unit which receives a usage transaction history by the card and performs settlement in a card account associated with the card according to the transaction history; A flag generator which generates a permission flag for the card according to the deposit amount remaining in the card account based on the offline reference amount set for offline transaction and the online reference amount set for online transaction; And a card information transmitter for transmitting flag information for the cards, thereby overcoming a time difference occurring between a real-time transaction on the network type electronic money and a transaction process by batch transmission on the offline.

Card, Online, Offline, Card Terminal, Electronic Money

Description

Card transaction system and method thereof online / offline {Card transaction system and method on on-line and / or off-line}

1 is a block diagram schematically showing the configuration of a non-rechargeable electronic money system of the present invention;

2 is a flow chart of cyber account application in the method of operating the non-rechargeable electronic money system of the present invention;

3 is a schematic diagram of a process for remittance processing to a cyber account in a method of operating a non-rechargeable electronic money system according to the present invention;

Figure 4 is a flow chart of the two-step customer DB management method in the non-rechargeable electronic money system operating method according to the present invention,

Figure 5 is a flow chart of the download process in the operation method of the non-rechargeable electronic money system of the present invention,

6 is a flow chart of the use and settlement process in the non-rechargeable electronic money system operating method according to the present invention;

Figure 7a, b is a flow chart of the processing of online transactions and ATM transactions in the non-rechargeable electronic money system operating method according to the present invention,

8 is an overall schematic diagram of a card transaction system according to an embodiment of the present invention;                 

9 is a block diagram of a card terminal according to an embodiment of the present invention;

10A, B, and C are diagrams for explaining types of data stored in a database;

11A and 11B are flowcharts illustrating a process of setting flag information for each card use authority in a main server;

12 is a flowchart for explaining a method of updating data in a memory pack of a card terminal;

13 is a flowchart illustrating a process of approving the offline use of a card in a card terminal.

The present invention relates to a system and method for card transaction online and / or offline using a non-rechargeable electronic money card.

As the industry develops, a system of paying by electronic wallet or electronic money such as a transportation card is taking place instead of bringing cash as a payment method for general bus fare. However, these transportation cards or other prepaid electronic money go to the charging station when the built-in fare is exhausted, and use the cash or credit card to charge as much as you want, and after that, the user repeats the charging process again. Had to visit in person and had to save money on the card before use.                         

In addition, with the rapid spread of the Internet culture in socio-economics and our daily lives, various e-commerce such as shopping malls, B2B, B2C, etc. have been riding on the cyber space, and the day and time are expanding in kind and scale. As a payment method, cyber money or e-money has appeared in recent years in place of the existing cash transfer or credit card payment, but its use is extremely sluggish, especially in the offline state. The reality is that it is not being used.

An object of the present invention is to provide a card transaction system and a transaction method thereof capable of processing card transactions online and / or offline.

Another object of the present invention is to provide a card terminal and a card usage determination method capable of processing a card transaction offline according to flag information stored in a database.

In order to achieve the above object, a card transaction system according to the present invention comprises: a card issuing unit for assigning a unique card number to each card and setting a card account corresponding to the card number to issue a card; A card settlement unit which receives a usage transaction history by the card and performs settlement in a card account associated with the card according to the transaction history; A flag generator which generates a permission flag for the card according to the deposit amount remaining in the card account based on the offline reference amount set for offline transaction and the online reference amount set for online transaction; And a card information transmitter for transmitting flag information for the cards.

The offline threshold amount (negative amount) is set based on the minimum unit amount that can be generated during the offline transaction by the card, and the online threshold amount (yellow amount) is set as a deposit amount in the card account for offline transaction. It is preferably set to the minimum amount that should be left, and it is preferable that the deposit amount is not smaller than the online reference amount as a result of the online transaction by the card.

In addition, when there is a transaction request by the card in an online manner, the account information for payment for the use of the card is inquired to confirm the deposit amount, and the transaction request amount by using the online card is equal to the deposit amount. If the online reference amount is greater than the subtracted amount, the use of the online card may be rejected; otherwise, the online processing unit may further include a transaction amount that is established by deducting the transaction amount from the deposit amount of the card account. In addition, the flag generation unit, if the deposit amount is less than the online threshold amount and greater than the offline threshold amount that is set lower than the online threshold amount, the automatic debit to the card account more than the online threshold amount from the card user's account to the card account; It is desirable to try.

The card transaction system may include: a fixed data storage unit for dividing a memory area into block units and storing flag information corresponding to the card number sequentially in each block in response to the card number; And a change data storage unit for temporarily storing the changed data when data on the card number and flag information stored in the fixed table is changed, and fixing the block unit based on the data stored in the change data storage unit. It is desirable to update the data in the data storage.

In order to achieve the above object, the card transaction processing method according to the present invention comprises the steps of: (a) checking the amount of money deposited in the card account used to pay for the use of the card; (b) generating a positive flag indicating that the card can be used if the deposit amount is equal to or greater than a negative amount set to a predetermined amount; (c) if the deposit amount is greater than the negative amount and less than a yellow amount set to a higher amount than the negative amount, attempting a transfer from the card user's account to the card account equal to or greater than the yellow amount; And (d) upon receiving the information on the usage history of the card, calculating the usage amount from the deposit amount of the card account and updating the flag information on the card by repeating from the step (b). .

In order to achieve the above object, the online / offline combined card trading method according to the present invention is a method of trading using a card that can be traded online and offline, where there is a transaction request by the card in an online manner. Checking the deposit amount by inquiring account information for payment of the use of the card through a communication network; And deny the use of the online card if the transaction amount by using the online card is greater than the amount deducted from the deposit amount for the off-line transaction, otherwise, deduct the transaction amount from the card payment account to establish a transaction. And a step of generating a positive flag capable of offline transactions if the deposit amount is greater than a second amount set smaller than the amount set for the offline transaction.                     

In accordance with another aspect of the present invention, there is provided a method of determining whether to use a card according to the present invention, including a fixed table for dividing a memory area into blocks and storing flag information corresponding to each card number, and a card number and a flag stored in the fixed table. Providing a change table for storing data for a card number whose flag information is changed when data for the information is changed; Reading a card number of the card when there is a request for use by the card; Checking whether there is data for the card number in the variation table; Determining whether a card is used according to flag information in the variation table, if not, checking data of the fixed table; And reading flag information of the card number from the fixed table and determining whether to use a card accordingly.

According to another aspect of the present invention, there is provided a card terminal including: a fixed table database storing flag information on availability of each card in correspondence with a card number; A variation table database that stores data on card numbers whose flag information is changed when data on card numbers and flag information stored in the fixed table is changed; A card reader for reading a card number of the card when a use request by the card is made; Check whether there is data for the card number in the variation table, and if there is any, determine whether the card is used according to the flag information in the variation table; otherwise, check the data of the fixed table to check the card number in the fixed table. The card control unit reads the flag information for and determines whether to use the card accordingly.                     

The database of the card terminal further includes version information indicating an update history of data in each block unit in which a memory area of the fixed table is divided into blocks, and version information indicating an update history of data in the variation table. When updating the data of the fixed table and the variation table from the table, the version information of the fixed table and the variation table provided in the server is compared with the version information stored in the database, and only the portions having different version information are updated. Preferably, the flag information is a positive flag indicating that an offline transaction of a card corresponding to the card number is possible.

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

The non-rechargeable electronic money system of the present invention includes a client connected to a non-rechargeable card management server, a non-rechargeable card management server connected to a bank or each means of transportation based on the information from the client, a network, and the personal information of the member. Include a currency database. In addition, the on / offline integrated operation method of the non-rechargeable electronic money system of the present invention, the customer opens a cyber account on the network using a mobile communication device such as the Internet or a mobile phone, and then use the Internet banking, phone banking and mobile communication devices, etc. Through a certain amount, a certain amount of money is attracted to the account in advance, and the use of payments for transportation fees such as buses and subways, online e-commerce payments, or payments using a distribution terminal at offline merchants can be made within the amount of the applicable amount. Allow.

According to the non-rechargeable electronic money system and on / offline integrated operation method of the present invention, the client opens a cyber account on the network using a mobile communication device such as the Internet or a mobile phone, and the corresponding account through Internet banking or phone banking. If a certain amount of money is held in advance, payment of transportation charges such as buses and subways using electronic money, payment of e-commerce online, or payment at merchants in the offline area can be made within the amount of the relevant amount. Thus, it is possible to solve the problem of the cumbersome and investment cost of the continuous repetitive charging operation of the existing bus card and prepaid electronic money.

In addition, by applying the deposit method, positive and yellow list two-step customer DB management techniques, existing electronic money such as cyber money or money with limited transactions on the offline can be integrated and used online / offline.

1 is a block diagram schematically showing the configuration of a non-rechargeable electronic money system of the present invention.

Non-rechargeable electronic money system of the present invention, the client (110-1, 110-2, ..., 110 to connect as a member to the non-rechargeable card management server centered on the cyber account linked to the account opened in the bank) -n) and a non-rechargeable card management server which processes the information transmitted from the clients 110-1, 110-2, ..., 110-n, downloads it to the bank and the server of each transportation, and receives the result ( 130, the network 120 connecting the clients 110-1, 110-2,..., 110-n with the non-rechargeable card management server 130, the clients 110-1, 110-2, ..., 110-n) of the member to store the personal information, electronic money information of each member processed in the network 120 and the non-rechargeable management server 130 connecting the non-rechargeable card management server 130 In addition, the electronic money database 140 is included.

2 is a flowchart illustrating a process of applying for a cyber account in a method of operating a non-rechargeable electronic money system according to the present invention.

When the client connects to the non-rechargeable card management server through the network and applies (step 201), the non-rechargeable card management server generates a DB (202) and uses the member's name, social security number, and account number to query the bank. (203) It is confirmed whether or not the real name of the person (204).

If it is confirmed to be normal, the bank requests a transfer of the contract amount (205) to create a database for the normal transfer (206), and sends normal data to the charging system (207), the charging system generates a non-rechargeable card database And (208) after confirming whether or not the new member (209), the initialization flag setting and issuing (210), after the delivery (211) the application is completed.

Here, if the client is not a new member but is an existing card holder, a request for registration to add an initialization function key to the terminal is performed (212), and then the non-rechargeable card database is searched (213) for registration response (214). An initialization flag is set and issued to the rechargeable card (215).

In this case, as an example, the initialization flag is set to 0: general, 1: new card student, 2: initialized student card, 3: college student (but it is necessary to decide whether all applicants for college / graduate students are non-rechargeable cards), It can be set as 4: spare, 5: non-rechargeable card for students, and 6: non-rechargeable card for general use.                     

Figure 3 is a block diagram of a process of processing the transfer to the cyber account in the operation method of the non-rechargeable electronic money system according to the present invention.

With the application of non-rechargeable electronic money, non-rechargeable electronic money in any way possible by clients through banks, ATMs, Internet banking, phone banking and mobile communication devices, and other cyber accounts 310 through banks or the Internet network 320, etc. When the remittance is made to the designated cyber account 330 of the system, the non-rechargeable electronic money management server 340 receives the deposit processing result and updates the amount 350 in the client's DB.

Figure 4 is a flow chart of a two-step customer DB management method in the operation method of the non-rechargeable electronic money system according to the present invention.

While using non-rechargeable electronic money in the positive state of the client, search the customer's DB on the non-rechargeable electronic money management server (401) to check whether it is equal to or greater than the yellow amount (402), and when the amount is less than the set amount, the client is automatically The bank account of the bank requests a money transfer to the cyber account of the non-rechargeable electronic money system (403).

At this time, if the transfer is normal according to the request for the account transfer (404), it is returned to the positive state again to generate a positive list DB (405), the client can use the non-rechargeable electronic money without a separate charging action.

In addition, if the amount is not normal transfer in the client's bank account, the client is separated into a yellow list (406) and sends a warning message indicating that the client has been converted to a yellow list by an e-mail or mobile communication device capable of contacting the client. Notifies the client to remain positive (407).                     

5 is a flowchart illustrating a process of downloading a positive list and a yellow list in a terminal of a traffic field in a method of operating a non-chargeable electronic money system according to the present invention. Referring to the first-phase positive list download process of FIG. 5A, when the positive list of the client is generated (501) and transmitted to the main server of the bus association or the transportation institution (502), the bus company's bus management system (BMS) or subway management is performed. The system transmits to the system SMS 503, and downloads the final traffic card reader and the bitmap data in the form of bit map data to the subway gate (504). At this time, the downloaded positive list is updated daily with an expiration date of 1 day.

Herein, a method of compressing and storing data of a positive list and a yellow list in a terminal of a traffic field in a method of operating a non-chargeable electronic money system according to the present invention will be described.

The existing postpaid transportation card requires at least 5 bytes to store one postpaid card data in the blacklist storage method in the terminal. Therefore, to store 2 million pieces of blacklist card data, a capacity of about 10MByte is required, and the search speed is slow because it is classified into a card number for retrieval of a blacklist card number, stored in a traffic card terminal, and searched by a binary search method. The capacity to store data in the current traffic card terminal is 5MByte. Since the postpaid transportation card requires at least 5 bytes per card to store the black list like the card number of the ledger, the number of cards that can be stored in the traffic card terminal is About 1 million copies.

However, in the method of operating the non-rechargeable electronic money system according to the present invention, the method of storing the positive list and the yellow list in the traffic card terminal is different from the method of storing the black list of the postpaid transportation card. First, a unique serial number (E-traffic card number) is assigned to a non-charged electronic money card, which is a number unique to each card starting from 1 and no card having the same number can be provided.

The blacklist management of post-paid transportation card determines whether the card is normal by using a pure card number storage method. However, in the present invention, the memory area of the transportation card terminal is configured as a bitmap so that a positive or yellow list check is not performed. Positive and yellow data are determined according to the logic state of the bit in the memory area corresponding to the E-transport card number assigned to the charging electronic money card.

Therefore, when the memory capacity is 5MByte, about 43 million pieces of positive and yellow data (flags) of one card can be compressed, and about 21.5 million pieces of non-charged electronic money card data can be compressed when two bits are processed. In addition, when searching for a positive or yellow list, the bit rate of the position allocated to the memory corresponding to the Alias No is read immediately by reading the Alias No. of the card to determine the positive and yellow flags, so that the search speed is extremely high.

6 is a flowchart of a usage and settlement process in the method of operating a non-chargeable electronic money system according to the present invention.

The data that the client uses the non-rechargeable electronic money in the transportation card terminal installed in the bus (601) is collected in the bus management system of the transportation company (602) and transmitted to the bus association server (603) to display the non-rechargeable electronic money usage history. Classified (604). In addition, the data used at the subway gate (605) is collected at the station-based subway checker (606) and transmitted to the institution management server (607) to classify the usage history of the non-rechargeable electronic money. Subsequently, each classified data is collected by the non-rechargeable management server (608) and the usage history is settled (609), and the settlement amount is processed for each bus combination and subway institution (610).

7 a and b are flowcharts illustrating a process of online transaction and ATM transaction in a method of operating a non-rechargeable electronic money system according to the present invention.

First, in the case of an online transaction, when a client requests the use and approval of non-rechargeable electronic money at an online shopping mall, online e-mail transfer or online merchant (701), the client is connected to a non-rechargeable electronic money management server through an online network (702). ) If the client's database is searched (703) by subtracting the yellow amount from the positive amount, or greater than or equal to the card use request amount (704), the corresponding bank account and multiple banks are linked from the database amount (705) of the cyber account. A virtual account, the amount transfer 706 to the merchant, is authorized (707). At this time, if the usage request amount is greater than the amount of the database amount (deposit amount or balance of the card account) less the yellow amount, the transaction request is rejected (708).

In addition, when a client withdraws cash or requests a remittance transaction from a third party using a bank teller or ATM (711), the client is connected to a non-rechargeable electronic money management server through a network (712) to search a member database (713). If the amount less than the amount of yellow is equal to or greater than the requested amount (714), the amount of payment (716) is approved (717) from the database amount of the cyber account to the bank or ATM management company. At this time, if the requested amount is larger than the amount of the yellow amount subtracted from the database amount, the transaction request is rejected (718).

Hereinafter, the integrated processing of real-time online transactions and batch offline transactions in the method of operating the non-chargeable electronic money system according to the present invention will be described. In the non-rechargeable electronic money system according to the present invention, the balance (deposit amount) of the cyber account should always be greater than the negative amount for offline transactions, and for online transactions, the amount after deducting the online transaction request amount from the balance is greater than or equal to the yellow amount. It is configured to keep the same amount. This means that the balance of the cyber account is always kept a certain amount, and not only online e-commerce that requests and approves transactions in real time, but also offline transactions that do not process transactions in real time and batch processing can be integrated.

In other words, in the offline state of keeping the used history in a batch state and comparing it with the ledger of the host after a predetermined time, an error occurs due to a time difference between the time of use history and the deduction from the ledger of the host. However, in the present invention, the positive list of the client is downloaded every day with a validity period of 1 day and the terminal is downloaded to the terminal, and the balance of the client's cyber account is always configured to maintain a minimum amount of money. You can buffer the difference.

Referring to FIGS. 7A and 7B, an online transaction method using a card considering not only online but also offline use with one card is described.

When there is a transaction request by a card through an online method such as a direct debit transaction or cash withdrawal by an ATM, the account information for payment of the use of the card is searched online through a communication network and the deposit amount (balance) of the card can be retrieved. After confirming, if the transaction request amount by using the online card is greater than the amount deducted from the deposit amount of the card account, the use of the online card is rejected, otherwise the transaction is made by deducting the amount of the online transaction from the deposit amount of the card account. . Even during online transactions, it is possible to trade cards online / offline without causing problems due to lack of balance by always leaving a certain amount in the card account on the premise of using the card offline.

8 is a view showing an overall schematic diagram of a card transaction system according to an embodiment of the present invention. The financial period 810 for the payment of the card use price is connected to the main server 830, and a management server 850 is provided to manage the use of the card 890 by the card terminal 870. The management server 850 performs an intermediate role between the card terminal 870 and the main server 830, and downloads the card authentication data to the card terminal 870 and the card usage data stored in the card terminal 870 Receive The function of such a management server 850 can be integrated in the main server 830 to operate without having a separate server.

In order to use the card 890 issued to the user, the card account 814 for card payment must be linked, and the card user's account 812 for transferring funds to the card account 814 can be linked. have. Alternatively, the user may transfer funds to the card account 814 by a general remittance method 816 such as bank account transfer or credit transfer. When the settlement is made according to the card usage history, the card use price is automatically transferred to the account 820 of each card merchant where the card is used or transferred to a separate account.

The main server 830 performs a process of issuing a card, generating data related to a card transaction approval, and settlement of a card transaction.

The card issuing unit 838 assigns a card number to each card, sets a card account 814 corresponding to the card number, and issues a card. In addition, the card user account information 812 for the automatic transfer of funds to the card account 814 may also be set.

The account processor 831 connects with the financial institution 810 to check the balance (deposit amount) remaining in the card account 814 or to request a deduction of the amount of the card used. The financial institution 810 transmits and receives necessary data at the request of the account processor 831.

The flag generation unit 832 generates a usage right flag for the card according to the deposit amount remaining in the card account 814. The flag is generated based on the offline threshold amount (negative amount) set for offline transaction and the online threshold amount (yellow amount) set for online transaction. Here, the offline threshold amount is set based on the minimum unit amount that can be generated during offline transactions by the card, the online threshold amount is set to the minimum amount that must be left as a deposit in the card account for offline transactions, As a result of the online transaction by the card, it is desirable that the deposit amount is not smaller than the online reference amount.                     

Flags sent to the card terminal for offline transactions include a positive flag that allows the use of the card offline and a negative flag that does not allow the offline use. If the deposit amount is more than the negative amount, a positive flag is generated to indicate that the card can be used offline, and if the deposit amount is less than the negative amount, a negative flag is generated to indicate that the offline use of the card is impossible. Information about the positive flag or the negative flag corresponding to each card number is transmitted to the card terminal, and the card permission is determined according to the flag information during off-line transactions in the card terminal. In this case, the negative amount is a minimum amount for offline card transactions. For example, when the card is for subway use, one or two subway fees may be set as a negative amount.

Meanwhile, the yellow amount is an amount set to secure a safer offline transaction even during online transactions. In other words, even when the card is used for online transactions, the amount remaining in the card account does not fall below the yellow amount as a result of the payment for the card use transaction. In other words, if the amount of the transaction by the online card use is subtracted from the deposit amount of the card account and the remaining balance becomes less than the yellow amount, the online transaction is not allowed. Since the card transaction by the offline usually performs the settlement process with the server for a certain time (for example, 24 hours), the yellow amount is set to the normal amount or the maximum amount that can be used offline during that period. For example, when the card is for offline subway use, the amount of money available per day may be set as a yellow amount based on the average number of times of use per day. This allows you to securely trade online and offline simultaneously using a single card.

In addition, if the deposit amount of the card account is less than the yellow amount and larger than the negative amount, the flag generation unit 832 passes through the financial institution 810 to be equal to or greater than the yellow amount from the card user's account 812 to the card account 814. Try to transfer the amount automatically. If the transfer is successful, a positive flag is generated indicating that the card can be used; otherwise, a yellow flag is generated. On the other hand, the yellow flag is a flag for approving online transactions in consideration of offline transactions. Even if it belongs to the yellow flag, the flag for approving offline transactions is set as a positive flag if the deposit amount is larger than the negative amount as described above. do.

The notification unit 839 periodically or intermittently informs the user of the card with the yellow flag about the replenishment of the deposit amount. The user who receives the notice may deposit funds in the card user account 812 to be automatically transferred to the card account 814 or may deposit a predetermined amount or more into the card payment account 814 by the general remittance method 816. Then, the flag generation unit 832 checks the balance of the card account from time to time or periodically to update the flag information for the card.

The fixed DB 835 divides the memory area into block units, and then stores in each block flag information corresponding to the card number sequentially in correspondence with the card number, and the variable DB 836 is stored in the fixed DB 835 table. When data on the stored card number and flag information is changed, the data on the changed card number and flag information is temporarily stored.                     

10B is a diagram illustrating a data storage method of a fixed table stored in the fixed DB 835. The memory area is divided into n blocks, each block is assigned a block number, and a version number for the data update history of each block is stored. For example, assume that one block is assigned (M + 1) bits. Then, blocks 1 to 0 are allocated bits having an M th address. The first bit of the block 1 stores the flag information for the card corresponding to the card number "0000". If it has a positive flag, logic "1" is stored. If it has a negative flag, logic "0" is stored. Thus, flag information for one card can be stored with only one bit. If the card number is "0009", the corresponding flag information is stored in the second bit of the second byte of block 1. In order to find the flag information, the card number is used as the memory address to find out which block belongs to which byte, which byte belongs to, and which bit corresponds to.

10C is a diagram illustrating a data storage method of the variation table stored in the variation DB 836. The variation table stores a card number and a block number in which flag information about the card number is stored, and a changed flag for the card number. On the other hand, when the flag information is limited to two types of positive flag and negative flag, only the card number may be stored and the changed flag information may not be stored. This is because the flag stored in the fixed table is inverted with respect to the card number. Also, the block number can be calculated computationally given the card number, so it does not need to be stored.                     

The card DB control unit 833 stores the card number whose flag information is changed in the variation DB 836, and updates the data of the fixed DB 835 in block units using the data stored in the variation DB 836. If the card number stored in the variable DB 836 is examined and a predetermined number of card numbers belonging to the same block are stored, the data of the fixed DB 835 is collectively stored for the card numbers belonging to the block. While updating, the version of the block is increased by "1" while the version of the variation table is increased by "1" while the card number information used for the update is deleted from the variation table.

FIG. 10A is a diagram showing the type of data stored in the card information DB 834, which is a database in which overall information on the card and the user is stored. The card information DB 834 stores information such as a card number, a user ID such as a user name, a card payment account number, a deposit amount (balance), a flag, a user account number or a credit card number, a user contact information, and the like.

The main control unit 837 performs a process of issuing a card, notifying a yellow flag, updating data by the card DB control unit, and transmitting card information. In addition, the transaction information receiving unit 840 receives the usage transaction history by the card, according to the transaction history and performs the settlement in the card account associated with the card. On the other hand, the main controller 837 may also perform a process for online card use as described with reference to Figure 7a, b. In other words, by transmitting information about the card provided in the main server 830 to the card terminal to perform a card transaction off-line from the card terminal, while being connected to the card terminal online to establish a card transaction, in this case The processing is performed as described in 7a and b. As a result, if the flag information of the card is changed, data is updated in the variation DB 836.

The transaction information receiver 840 receives transaction history information generated by the card transaction from the management server 850 and transmits the transaction history information to the main controller 837, and the card information transmitter 841 flags the cards stored in the databases. The information is transmitted to the management server 850. The management server 850 receives the fixed table and the variation table from the main server 830 and downloads them to the memory pack mounted on the card terminal 870.

11A and 11B are flowcharts illustrating a process of setting flag information on each card use authority in the main server 830.

While issuing a card, the card account used to pay for the use of the card is opened (111), and the deposit amount for the card payment is deposited into the card account (112). The main server checks the current deposit amount remaining in the card account (113). Flag information for each card is generated 114 according to the deposit amount. A detailed process is shown in FIG. 11B.

If the deposit amount is greater than or equal to the first amount (yellow amount) (1141), a positive flag indicating that the card can be used is generated (1142); if the deposit amount is less than the second amount set lower than the first amount (1143) A negative flag is generated (1144) indicating that the use of is unavailable.

On the other hand, if the deposit amount is less than the first amount and larger than the second amount (1145), an attempt is automatically made (1145) to transfer the amount to be greater than or equal to the first amount from the card user's account to the card account, and the transfer is successful. A back flag 1146 generates a positive flag indicating that the card can be used (1147), otherwise informs the card user of the lack of etch amount (1148) and generates a yellow flag (1149). The flag information of the generated card is stored in the database. On the other hand, the database in which data to be used for offline approval is stored is stored as a positive flag indicating that offline transactions are possible unless a negative flag is provided, and these flag information is transmitted to the card terminal. Since the information about the yellow flag is used for online transactions, it does not need to be transmitted to the card terminal and is managed separately by the server.

When receiving information on the usage history of the card from the card terminal, the amount of use is settled from the deposit amount of the card account, and the flag information on the card is updated by repeating the above process.

9 is a block diagram illustrating a configuration of a card terminal according to an embodiment of the present invention. The card reader 92 reads a card number, such as a card number, from the card 91. The card 91 may be of a non-contact type which communicates by an RF signal or a contact type in which information is stored in a magnetic strip. The fixed DB 951 and the variable DB 952 are databases used to confirm whether or not each card is authenticated for offline use, and are periodically or intermittently updated by the latest data in the main server. The transaction information DB 953 stores information on the card transaction history traded by the card terminal, and is periodically or intermittently transmitted to the main server (or management server). The storage unit for storing the fixed DB 951, the variation DB 952, and the transaction information DB 953 may be implemented to be inserted into and detached from the card terminal in the form of a memory pack 95. Data transmission between the card terminal and the management server (or main server) is performed through an online communication network, or the memory pack 95 is removed from the card terminal and the memory pack 95 is inserted into the management server (or main server) to insert data. You can send and receive.

12 is a flowchart for explaining a method of updating data in a memory pack of a card terminal. In order to update the data in the variable DB 952 and transaction information DB 953 provided in the card terminal, the management server shown in FIG. 8 (the database updated with the latest one in the main server has been downloaded in advance). It can be done through or directly from the main server.

Each of the server (main server or management server) and the card terminal has a fixed table and a change table. The fixed table divides the memory area in blocks and then sequentially corresponds to each card number in correspondence with the card number. The flag information is stored, and version information indicating the update history of each block data is stored together, and in the variation table, the data of the card number whose flag information is changed when the data of the card number and flag information stored in the fixed table is changed The version information on the update history of the variation table is also stored. The terminal must update data periodically or intermittently from the server to maintain the sameness of data between the server and the terminal. The data update method is as follows.

First, the process of updating the fixed table will be described. The update process starts from block number 1 of the fixed table (121). The version information of each block of the fixed table stored in the memory pack of the terminal is compared with the version information of each block of the latest fixed table stored in the server (122). If the version information of the block matches (123), it means that the block data in the terminal is up-to-date and does not need to be downloaded separately. However, if it does not match (123), the data of the server corresponding to the block is downloaded to the block of the fixed table of the memory pack and updated (124). It checks whether it is the last block of the fixed table (125) and increases the block number (126) and repeats the block data update process.

When the update on the fixed table is completed, the update on the variation table is performed. The version information of the variation table of the terminal is compared with the version information of the variation table of the server (127). If the version information does not match (128), the data in the variation table of the terminal is updated according to the data in the variation table of the server (129).

13 is a flowchart illustrating a process of approving the offline use of a card in a card terminal. In the memory pack of the card terminal, the memory area is divided into block units, and the data of the card number and flag information stored in the fixed table and the fixed table in which flag information corresponding to each card number are sequentially changed corresponding to the card number are changed. A change table in which data on the card number whose flag information is changed is stored (S131).

If there is a use request by the card (132), the card number is read from the card (133). It is checked whether there is flag information for the card number in the variation table (134). If it is present (135), it is judged whether or not it is used according to the flag information in the variation table. Check flag information about the processor 137 to determine whether it is used. That is, if flag information is positive information (137), card use is allowed (139), and if negative information (137), card use is not allowed (138). After the transaction history information about the use of the card is stored (140), the details are transmitted to the server when the card terminal communicates with the server (141).

In checking whether the card is approved using the fixed table and the variation table, only data of the fixed table may be referred to as necessary. Compared to the variation table, since there is more data in the fixed table, it can be usefully applied when the time required for the interface with the user card is particularly short. Alternatively, the fixed table may be referred to first, and then the variation table may be referred to.

The invention can also be embodied as computer readable code on a computer readable recording medium. The computer-readable recording medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, and the like, which are also implemented in the form of a carrier wave (for example, transmission over the Internet). It also includes. The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

As described above, according to the non-rechargeable electronic money system and the on / offline integrated operation method of the present invention, a customer opens a cyber account on a network using a mobile communication device such as the Internet or a mobile phone, internet banking, phone banking and If a certain amount of money is held in advance in a corresponding account through a mobile communication device, payment of a bus or subway transportation fee, an e-commerce payment on-line, or a distribution terminal at an offline merchant may be used within the amount of the attracted amount. As a system that enables payment, and on / offline integrated operation method, management of deposit, positive and yellow list customer management technique, compression technology of the corresponding list for storage management at the terminal for paying the transportation fee, and free transfer of deposit Withdrawal and general distribution of the deposit through a bank cash dispenser Due to the hassle and blacklist of recurring recharging of existing prepaid electronic money, through the development of a settlement technique that overcomes the time difference between real-time online transaction and batch transaction through real-time transaction through the internet connection at the end. As a solution to the problem in the field of transportation of illegal credit cards and the limited use of network money online, it is expected to be used and applied in related fields.

We solved customer's hassle due to continuous recharging of existing bus card and prepaid electronic money, and investment cost and operation cost to build such charging infrastructure by pre-paying a certain amount. We solved the blacklist real-time management problem and the loss caused by using the card in the transportation fee payment field by managing the positive list and storing the information in the card reader by compressing the list highly. Development of integrated list processing system and yellow list technique to overcome the time difference between the real-time transaction online and the transaction processing by offline batch transfer of network-type electronic money such as cyber money and money, which were limited in use. To overcome these limitations Will.

Claims (24)

A card issuing unit for assigning a unique card number to each card and setting a card account corresponding to the card number to issue a card; A card settlement unit which receives a usage transaction history by the card and performs settlement in a card account associated with the card according to the transaction history; A flag generation unit for generating a permission flag indicating whether the card can be used by comparing the offline reference amount set for offline transaction and the online reference amount set for online transaction with the deposit amount remaining in the card account; And Card information transmitting unit for transmitting the flag information generated for the cards. The card transaction system according to claim 1, wherein the offline reference amount is set based on a minimum unit amount that can be generated during an offline transaction by the card. The online threshold amount according to claim 1, wherein the online threshold amount is set to a minimum amount that should be left as a deposit amount in the card account for offline transactions, and the deposit amount is less than the online threshold amount as a result of the online transaction by the card. Card trading system, characterized in that not to. According to claim 1, If there is a transaction request by the card in an online manner, the account information for payment for the use of the card is inquired to confirm the deposit amount, the transaction request amount by using the online card is the If the deposit amount is greater than the amount of the online reference amount is less than the amount declined to use the online card, otherwise the card transaction further comprises the online processing unit for reducing the transaction amount from the deposit amount of the card account to establish a transaction system. According to claim 1, wherein the flag generation unit And generating a positive flag indicating that the card can be used if the deposit amount is equal to or greater than the offline reference amount. According to claim 1, wherein the flag generation unit When the deposit amount is less than the online threshold amount and greater than the offline threshold amount set lower than the online threshold amount, the automatic transfer is attempted to be equal to or more than the online threshold amount from the card user's account to the card account. Card trading system. The method of claim 6, wherein the flag generation unit If the automatic transfer is not made, the card transaction system characterized in that to inform the user of the card information about the replenishment of the deposit periodically or intermittently. The method of claim 1, A fixed data storage unit for storing the flag information corresponding to the card number sequentially in accordance with the card number after dividing the memory area in block units; And If the data on the card number and the flag information stored in the fixed table is changed further comprises a change data storage for temporarily storing the changed data, And updating the data of the fixed data storage unit on a block-by-block basis based on the data stored in the variable data storage unit. The method of claim 8, wherein the fixed data storage unit The memory areas are sequentially allocated in the order of the card numbers, and data representing flag information corresponding to the card number is stored in each memory area. (a) identifying the amount deposited in the card account used to pay for the use of the card; (b) generating a positive flag indicating that the card can be used if the deposit amount is equal to or greater than a negative amount set to a predetermined amount; (c) if the deposit amount is greater than the negative amount and less than a yellow amount set to a higher amount than the negative amount, attempting a transfer from the card user's account to the card account equal to or greater than the yellow amount; And (d) if the information on the usage history of the card is received, calculating the usage amount from the deposit amount of the card account and then repeating the step (b) to update the flag information for the card. Card transaction processing method characterized in that. The card transaction processing method according to claim 10, further comprising periodically or intermittently notifying the user of the card about replenishment of the deposit amount if the transfer is not made in the step (c). Each of the server and the terminal is provided with a fixed table and a variation table. The fixed table divides the memory area into block units and stores flag information corresponding to each card number sequentially in correspondence with the card number. Version information indicating the update history of the data is stored together. When the data of the card number and flag information stored in the fixed table is changed, the variation table stores data on the card number whose flag information is changed. In the method for maintaining the sameness of the data between the server and the terminal, and storing version information indicating the update history of Comparing version information of each block of the fixed table of the terminal with version information of each block of the fixed table of the server; Updating the block data in the fixed table of the terminal with the block data in the fixed table of the server, for the block whose version information does not match in the comparing step; Comparing version information of the variation table of the terminal with the version information of the variation table of the server; And And if the version information does not match in the comparing step, updating the data in the variation table of the terminal by the data in the variation table of the server. After dividing the memory area in units of blocks, a fixed table for storing flag information corresponding to each card number, and data for a card number whose flag information is changed when the data on the card number and flag information stored in the fixed table are changed. Providing a change table; Reading a card number of the card when there is a request for use by the card; Checking whether there is data for the card number in the variation table;  Determining whether a card is used according to flag information in the variation table, if not, checking data of the fixed table; And And determining whether to use a card according to reading flag information about the card number from the fixed table. A fixed table database that stores flag information on whether each card is available in correspondence with the card number; A variation table database that stores data on card numbers whose flag information is changed when data on card numbers and flag information stored in the fixed table is changed; A card reader for reading a card number of the card when a use request by the card is made; And Check whether there is data for the card number in the variation table, and if there is any, determine whether the card is used according to the flag information in the variation table; otherwise, check the data of the fixed table to check the card number And a card controller to read flag information and determine whether to use the card accordingly. 15. The apparatus of claim 14, wherein the database further includes version information indicating an update history of data in each block unit in which the memory area of the fixed table is divided into blocks, and version information indicating an update history of data in the variation table. , When updating the data of the fixed table and the variation table from the server, the version information of the fixed table and the variation table provided in the server is compared with the version information stored in the database to update only the portions having different version information. Card terminal. 15. The card terminal of claim 14, wherein the flag information is a positive flag indicating that offline transactions of a card corresponding to the card number are possible. 15. The fixed table database of claim 14, wherein the fixed table database is And a memory area is allocated in order of the card number, and data representing flag information corresponding to the card number is stored in each memory area. In how to trade using a card that can trade online and offline, If there is a transaction request by the card in an online manner, checking the deposit amount by inquiring account information for payment of the use of the card through a communication network; And If the amount of the transaction by using the online card is greater than the amount deducted from the deposit amount for the off-line transaction, the use of the online card is rejected; Online / offline combined card trading method comprising the steps. The method of claim 18, And generating a positive flag capable of offline transactions if the deposit amount is larger than a second amount set smaller than the amount set for the offline transaction. A computer-readable recording medium having recorded thereon a program for realizing the method according to any one of claims 10 to 13, 18 or 19. A fixed table dividing the memory area in units of blocks, and sequentially storing flag information corresponding to each card number in correspondence with the card number, and storing version information indicating an update history of data in each block unit; And And a change table for storing data on a card number whose flag information has been changed when data on the card number and flag information stored in the fixed table is changed, and storing version information indicating an update history of the change table. , The data of the fixed table and the variation table is updated based on the version information for each block of the fixed table and the version information for the variation table, and the data of the fixed table is updated by the data stored in the variation table. Recording medium having a data structure characterized in that it is processed in units of blocks. Setting flag information on whether the card can be used for a card number uniquely assigned to each card when the card is issued; Storing flag information of the card in a first memory, and storing flag information of the card number in a bitmap manner in a memory address corresponding to the card number; If the flag information about the card number stored in the first memory is changed, storing the changed information in the second memory; And And updating flag information for each card number stored in the first memory according to the change information stored in the second memory. 23. The method of claim 22, wherein the memory for storing flag information corresponding to the card number is divided into a plurality of memory blocks having a predetermined size, and wherein the updating is performed in units of blocks. Setting flag information on whether the card can be used for a card number uniquely assigned to each card when the card is issued; Storing flag information on the card number in a bitmap manner at a memory address corresponding to the card number; Reading a card number from a user's card; Reading flag information stored in a memory address corresponding to the read card number; And And determining whether the card is usable according to the flag information.

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