KR100792959B1 - Filling money, payment and supplement service system using ic-card and method using the same at on-line and off-line - Google Patents

Abstract

The present invention relates to a system and a method for providing charging, payment and additional services in an online and offline manner using an IC card, comprising: an online money value charging system 100 for charging a money value in an IC card online; An offline money value charging system 200 for charging money value in an IC card offline; An online payment system 300 that pays for the purchase of goods or services using an IC card online; Offline payment system 400 for paying the purchase price of goods or services using IC card in offline and transaction performance integrated management and additional service providing system for integrated management of the online and offline transaction records and providing additional services to customers ( 500). According to the present invention, it is possible to use the IC card for online and offline commerce, to receive financial services such as recharging money and retrieving transaction details, and to provide various additional services to customers by managing integrated transaction information. It works.

Online, Offline, Charging, Payment, Value Added Services, E-Commerce, Internet, Authentication

Description

FILLING MONEY, PAYMENT AND SUPPLEMENT SERVICE SYSTEM USING IC-CARD AND METHOD USING THE SAME AT ON-LINE AND OFF-LINE}

1 is a schematic structural diagram of a system for providing charging, payment and additional services online and offline using an IC card according to the present invention.

2 is a block diagram of an online money value charging system using an IC card.

3 is a flow chart showing an online money value charging method using an IC card.

4 is a block diagram of an offline money value charging system using an IC card.

5 is a flowchart illustrating a method of charging offline money value using an IC card.

6 is a configuration diagram of an online payment system using an IC card.

7 is a flowchart showing an online payment method using an IC card.

8 is a configuration diagram of an offline payment system using an IC card.

9 is a flowchart showing an offline payment method using an IC card.

10 is a flowchart showing a payment authentication process using an IC card.

11 is a configuration diagram of a transaction performance integrated management and additional service providing system that occurs online and offline.

The present invention relates to a system and method for providing charging, payment and additional services in an online and offline manner using an IC card, and more particularly, using an IC card to prevent illegal copying of a card, A system for providing money value charging, payment and additional services using a remote security module (SAM) for operating software to authenticate user information and to prevent illegal leakage of information that may occur during data transmission. The present invention relates to a method of using a system to add money, pay for goods or services, and provide additional services.

In general, the conventional payment means can be divided into two types.

First, in the form of paper, money, checks and bills, etc. belong, and second, in the form of cards, credit cards, debit cards, and prepaid cards.

An IC card that can be used as an integrated payment means combining the payment means in the form of paper and card has been developed and used in various countries around the world for various purposes.

In general, the use that can be used as an IC card is shown in Table 1.

function Usage finance Amount card Public phone card Traffic Card Electronic wallet Loyalty Card gift card Bank card Credit card Debit card Identification Government / State Issue Electronic pension transfer Health / Medical Card driver's license Third Party Issuance ID card Membership card Access Access to the campus Electronic key / pass Network access card Wide Area Network Access Pay TV Card GSM, PCS Card

The IC card is a plastic card that has a microprocessor and a memory that can store and process information in the card. IC cards are most commonly used in the same shape and size as credit cards, but some are quite small, such as those used in European GSM mobile phones.

The IC card is divided into two types according to the communication method with the outside. There are a contact card that communicates through a gold-plated contact surface and a contactless card that communicates through radio frequency using an antenna embedded in the card. The contact card is a method of inserting an IC card into a card reader, while the contactless card is exchanged by placing the contact card in the vicinity of the contactless card reader.

There is no built-in battery in the IC card, and power is supplied from the outside by the reader. The memory uses an electrically erasable programmable read only memory (EEPROM) that can retain its contents even when no voltage is provided. EEPROM is a nonvolatile memory used to store all data and programs similar to a PC hard disk. IC cards will evolve into memory cards, single function IC cards, and multifunction IC cards.

The technical content to be dealt with in the present invention relates to the application field of the multifunction IC card.

Memory cards have built-in memory ICs and sometimes are supplemented by logic circuitry for security or other functions, but do not include microprocessors or microcontrollers. Usually, the density is quite low, only tens to hundreds of bits. Unlike standard memory components, chip card memory ICs are designed to increase security to prevent unauthorized access or data modification by physical or electronic methods.

The memory card is most commonly used for public phone cards, health cards, disposable money cards (gift certificates) and the like. The memory card has a certain amount of credit that can be used as a token that can be paid for a specific service or as an electronic money that can be used to purchase goods or services. The card reader signals the counter to properly reduce the value stored on the card.

The single function IC card combines a microcontroller and volatile / nonvolatile memory for data / code storage on the chip. The single function IC card is capable of securely storing, managing or processing data. Because of this, it is an active device that can exchange data with other electronic equipment. The single function IC card can store values such as tokens and electronic money like memory cards, but the management of these values is performed by on-chip microcontrollers. Therefore, new values can be reloaded and used over and over again. Because of its on-chip processing capability, it can be used in much more variety than a memory card. Sequential inference machine (SIM) cards and bank cards for GSM cellular phones are common applications. However, the short-function IC card has a disadvantage that cannot be used by changing the function after it is manufactured and issued.

Multifunction IC cards are chip cards that can support one or more applications using an open application program interface (API), operating system (OS), or both, allowing new program code to be downloaded and executed in the field. The multifunction IC card is much different from the single function IC card. In the case of a single function IC card, its function is determined during design or manufacture, whereas a multifunction IC card can be changed or added at any time, as long as it does not reach the end of its life. Therefore, there is an advantage that can be used more flexible and useful for various purposes.

The present invention is a transaction that occurs on-line and off-line using the IC card, the value of money in the IC card, payment in the commerce with the IC card, online and offline transactions using the IC card The objective is to provide a way to consolidate performance management and provide additional services to customers.

In addition, to solve the security problems that may occur in the existing payment means (credit card, cash, online remittance, etc.), to reduce the communication-related costs, and to manage the integrated online and offline.

The present invention reinforces the security aspect when using an IC card as a micropayment means, and at the same time, it is possible to continuously charge the gift card or electronic wallet beyond the concept of a prepaid card. It is also possible to use it, and to provide a way to replace existing small cash or gift certificates.

In order to achieve the object of the present invention, in the electronic commerce method through the IC card and the network, a secure commerce is provided by providing an authentication system for authenticating data and terminals transmitted at each transaction step such as sales, charging, and settlement. It secures the foundation to enable the real time recharging of the IC card and solves all the hassles when using cash in real life. In addition, it is possible to integrate and manage transaction performance information generated online and offline, and merchants can use the additional services freely online and offline by providing various additional services to customers and storing them directly on the IC card. It is characterized by being able to raise one dimension.

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

1 is a schematic structural diagram of a system for providing charging, payment and additional services online and offline using an IC card according to the present invention.

The present invention provides an online money value charging system 100 for charging money value into an IC card online. An offline money value charging system 200 for charging money value in an IC card offline; An online payment system 300 that pays for the purchase of goods or services using an IC card online; Offline payment system 400 for paying the purchase price of goods or services using IC card in offline and transaction performance integrated management and additional service providing system for integrated management of the online and offline transaction records and providing additional services to customers ( And 500).

2 is a configuration diagram of an online money value charging system 100 using an IC card.

The online money value charging system 100 includes an IC card 110 that stores a balance of money value and receives a money value; An IC card reader 120, which is a hardware interface device that reads the balance in the IC card 110 and transfers the money value into the IC card 110; A customer client PC (130) for inserting the IC card (110) to check the balance of the IC card (110), selecting a charging method and a charging amount, and requesting a currency value charge; An internet charging server 140 receiving a charging request of the customer client PC 130 to perform a charging process; Internet charging authentication system 150 for verifying the validity of the IC card 110 in response to the request of the Internet charging server 140; IC card currency value management system 160 for receiving charge information from the Internet charging server 140 to manage the charging and balance status for each IC card; It consists of a customer transaction bank (170) holding a currency value to be charged in the IC card 110 and an IC card issuer transaction bank (180) receiving a transfer of money value from an account of the customer transaction bank (170).

An online currency value charging method using an IC card according to the present invention will be described with reference to FIG.

3 is a flowchart illustrating an online currency value charging method using an IC card by the online currency value charging system.

First, when the customer accesses the Internet charging server 140 from the customer client PC 130 and selects the IC card 110 to be charged, the IC card 110 insertion message is displayed on the customer client PC 130. When the customer inserts the IC card 110 in the IC card reader 120, the customer client PC 130 reads and displays the currently stored balance from the IC card (110). If the reading is not successful, an error message is displayed. If the balance is successful, select the charging method. The charging method may be selected by selecting an account or credit card and entering an account number or credit card number. Next, the charge amount is selected. If the selected charge amount does not exceed the charge limit, the card information, account information, and the charge amount are transmitted to the Internet charge server 140. If the selected charge amount exceeds the charge limit, the screen for selecting the charge amount is repeated. The Internet charging server 140 transmits the customer account information to the customer transaction bank 170 to check whether the customer holds a monetary value equal to or greater than the selected charging amount. As a result of the check, if the customer has a monetary value of more than the selected amount, payment is possible, but if the customer has a monetary value less than that, he / she will send a complete non-payment message. If payment is possible, the Internet charging server 140 transfers the amount of the charge from the customer's account to the IC card issuer account of the IC card issuer trading bank 180 and records it in the transaction database. In addition, the charge transaction history is transmitted to the IC card money value management system 160. The IC card currency value management system 160 aggregates the charges received from each Internet charging server 140 and manages the balance status for each IC card. Thereafter, the Internet charging server 140 generates a full text message using the Internet charging authentication system 150 and transmits the generated full text message to the customer client PC 130. The client client PC 130 transfers the received charge message to the IC card 110 to charge the money value in the IC card 110. If the charging is successful, the balance is displayed on the screen of the client client PC 130, the transaction statement is displayed, and the charging is completed. If the charging is not successful, an error message is displayed and a request for canceling the charge is sent to the Internet charging server 140, and the Internet charging server 140 transfers the charging amount from the IC card issuer account to the customer's account and sends it to the transaction database. Record it.

By using the online money value charging method using the above-described IC card, it is possible to charge at any place through the network without having to go to a specific place in order to charge the money value of the IC card. In addition, since the security is secured in the IC card itself, a safe monetary value charging is possible without a separate security system on a public network, and thus a monetary value charging system can be easily used.

4 is a block diagram of an offline money value charging system using an IC card.

The offline money value charging system 200 includes an IC card 110 for storing a balance of money value and receiving a money value; A charging SAM (Security Access Module) 210 for generating a certificate name for storing a monetary value in the IC card; A currency value charger 220 such as an ATM (automatic teller machine) or a CD dispenser (cash dispenser) that manages the IC card 110 and the charging SAM 210 and controls the charging process; A bank host 230 for processing a request for charging a money value of the money value charger; Bank charge server 240 for receiving and managing the money value charging transaction history from the money value charger 220; Another bank host 250 that provides a currency value when a customer transfers a currency value from another bank and charges the IC card 110; IC card currency value management system 160 for receiving the charge details from the bank charging server 240 to manage the charging and balance status for each IC card; It consists of an IC card issuer trading bank 180 that receives money transfers from an account of the bank host or another bank host.

An offline currency value charging method using an IC card according to the present invention will be described with reference to FIG.

5 is a flowchart illustrating an offline currency value charging method using an IC card by the offline currency value charging system.

First, the deposit value withdrawal or service withdrawal is selected on the task selection screen of the money value charger 220. The money value charger 220 is an ATM or CD device. When the withdrawal method selection screen is displayed on the money value charger 220, the user selects the charging of money value. The monetary value charger 220 performs other existing tasks when the customer does not select the monetary value charging.

Selecting the charging of money value displays the insertion message of the IC card 110 on the screen of the money value charger 220, and inserting the IC card 110 in the money value charger 220, the money value charger 220 ) Reads the remaining balance from the IC card 110 and displays it on the screen. If the balance reading is successful, select the charging method and select the amount of recharge. The money value charger 220 transmits the card information, the account information, and the recharge amount to the bank host 230 or the other bank host 250 to check whether the customer holds a monetary value greater than the recharge amount. If the customer has enough money value in the account to create a chargeable full text and transmits to the monetary value charger 220. When the money value charger 220 receives the full text of charging, the charging value is charged in the IC card 110 using the charging SAM 210, and the amount of money charged from the customer account of the bank or another bank is issued by the IC card issuer transaction bank. Transfer to the account of 180, and transmits the charge transaction history to the bank recharge server 240. The bank charge server 240 aggregates the charge transaction history and transmits the credit transaction to the IC card money value management system 160, and the money value management system 160 manages the charge status of each card.

If the charging is successful in the IC card 110, after the charge, the balance is displayed on the screen of the money value charger 220, and when the transaction statement is output, the charging ends.

The offline charging method using the above-described IC card uses an existing online method when checking whether the value of money is retained, but when processing the value of the money in the IC card 110, the processing is performed offline. A stable charging process may be performed by solving a communication error problem that may occur between the charger 220 and the bank HOST. In addition, since the transfer of the monetary value in the IC card 110, the withdrawal method that is currently applied is possible only in a fixed amount, it is possible to transfer the monetary value in the form of a non-seated unit can increase the convenience of the customer.

6 is a configuration diagram of an online payment system using an IC card.

The online payment system 300 includes an IC card 110 that stores a monetary balance and pays monetary value in exchange for providing goods or services; An IC card reader (120) which is a hardware interface device for subtracting the monetary value from the IC card (110); Inserting the IC card 110 to check the balance of the IC card 110, select a payment method and the amount of payment request a payment, control the IC card reader 120 and manages the currency payment process (client client PC) 310); An internet payment server 320 which receives payment details from the customer client PC 310 and processes a payment process; An Internet payment authentication system 330 for verifying the validity of the IC card 110 in response to the request of the Internet payment server 320; IC card currency value management system 160 for receiving the payment history from the Internet payment server 320 to provide the sale price to the online merchant; An IC card issuer bank 180 holding the IC card 110 issuance price; The IC card issuer trading bank 180 is composed of an online merchant trading bank 340 that transfers the amount to the online merchant account.

An online payment method using an IC card in an electronic commerce according to the present invention will be described with reference to FIG.

7 is a flowchart showing an online payment method using an IC card by the online payment system.

First, a customer accesses an internet shopping mall from a customer client PC 310 and selects an item or a service to purchase and applies for a purchase. When the application for purchase is made, a payment method is selected. When the customer selects the IC card 110 as the payment method, the IC card 110 insertion message is displayed on the screen, and the IC card reader 120 displays the IC. Insert card 110. The customer client PC 310 reads and displays the currently stored balance from the IC card 110, checks the balance held in the IC card 110, and if it is possible to purchase the goods or service information to be purchased, the IC card information and the purchase amount To the Internet payment server 320. The Internet payment server 320 records the transaction in the transaction database using the Internet payment authentication system 330, and generates the deduction text and transmits it to the customer client PC 310. The customer client PC 310 transfers the received amount of money deduction to the IC card 110 to subtract the amount from the IC card 110, and transmits the result of the deduction to the Internet payment server 320. If the deduction is successful, the Internet payment server 320 transmits to the Internet payment authentication system 330 to verify the validity of the generated purchase signature, and if the signature is verified by the Internet payment authentication system 330, the Internet charging server. In step 140, the purchase success message is generated and transmitted to the customer client PC 310. In addition, the Internet payment server 320 stores the purchase history when the payment is completed, aggregates the purchase history and transmits to the IC card money value management system 160. The IC card currency value management system 160 receives the purchase history from the Internet payment server 320 and checks the validity of the purchase history. If there is no abnormality, the IC card issuer transaction bank 180 receives the purchase price from the IC card issuer transaction bank 180. Transfer to the online merchant bank (340) account. In addition, when the payment is completed, the balance after the deduction is displayed on the screen of the client client PC 310, the transaction statement is displayed, and the payment ends.

Using the online payment system using the above-described IC card ensures the security of the transaction procedure in the IC card 110, thereby enabling secure electronic commerce without a separate security device on an open network such as the Internet. In addition, since the IC card currency value management system 160 is responsible for the purchase price payment, the online merchant can easily configure the online merchant without a separate system for the purchase price collection.

8 is a configuration diagram of an offline payment system using an IC card.

The offline payment system 400 includes an IC card 110 for storing money value and paying the money value in return for goods or services; An IC card reader 410, which is a hardware interface device having a sales SAM 420 embedded therein to subtract money value from the IC card 110; A sales SAM 420 that verifies the validity of the IC card 110 and generates a signature for subtracting the amount from the IC card 110; A sales client PC 430 for controlling the IC card 110 and the sales SAM 420 and managing a payment processing process; An IC card currency value management system 160 that aggregates payment details from the sales client PC 430 and provides sales payouts to affiliated stores; An IC card issuer transaction bank holding the IC card 110 issuance price; It is composed of a merchant bank 440 that transfers the amount of money from the IC card issuer trading bank 180 to the merchant.

An offline payment method using an IC card according to the present invention will be described with reference to FIG.

9 is a flowchart showing an offline payment method using an IC card by the offline payment system.

The IC card is selected as the payment means for the purchase of the goods or the service at the sales client PC 430 in order to purchase the goods at the dealership and pay using the IC card as the payment means. The IC card 110 insertion message is displayed on the screen of the sales client PC 430. When the IC card 110 is inserted into the IC card reader 410, the sales client's PC 430 reads the current balance stored from the IC card 110, is displayed on the screen, and sells the contents and services to be purchased. Enter the amount. The sales client PC 430 generates a signature for the deduction of money using the sales SAM 420 to deduct the monetary value of the IC card 110 by the amount of goods or services sold. If the amount stored in the IC card is insufficient for the purchase amount, two or more IC cards may be used or additional payment may be made in cash.

When the deduction of money is successfully performed, the IC card 110 responds to the sales signature, and the sales client PC 430 verifies the validity of the IC card 110 by verifying the sales signature using the sales SAM 420. do. When the sales signature is confirmed, the sales client PC 430 stores the transaction details in a database, periodically collects the transaction details and transmits the transaction details to the IC card currency value management system 160 to recover the sales price, and the IC card. The monetary value management system 160 receives the transaction history from the sales client PC 430 and confirms the validity of the transaction history. If there is no abnormality, the money value management system 160 receives an amount corresponding to the transaction history from the IC card issuer transaction bank 180 and the merchant transaction bank. Transfer to account 440.

In addition, if the sales signature is confirmed, the balance of the IC card 110 and the remaining sales amount are displayed on the sales client PC 430, and the transaction details are output to end the payment.

By using the offline payment system using the above-described IC card, merchants can immediately verify the validity at the merchant without having to verify the validity of the IC card by accessing the IC card issuing system for each sale, enabling fast and safe transactions. The number of times of using value-added networks is much reduced, which reduces the cost of communication.

Fig. 10 is a flowchart showing a payment authentication process using an IC card, which illustrates in detail the authentication process for online and offline payment using an IC card.

When the sales program is inquired about the sales SAM, the sales SAM / authentication system responds with the sales SAM number and the number of sales SAM transactions. The sales program receives the response and initializes the sales amount and the sales SAM number. The IC card generates a random number and responds to the random number and the number of card transactions. When the sales program requests the sales signature by inputting the random number, the number of card transactions, the sales amount, the sales SAM number, and the sales date and time, the sales SAM / authentication system generates a temporary key and signature. The random number, the number of card transactions, the number of sales SAM transactions, the sales key are included, and the signature includes the sales amount, the sales SAM number, the date and time of sale and the temporary key. The sales SAM / authentication system responds with the generated signature.

Once the signature is verified, the sales program processes the sales by the number of sales SAM transactions, the date and time of the sale, and the signature. The sales process is input to an IC card, which generates a temporary key, a signature ', a sales signature, a settlement signature, and responds to the sales signature and the settlement signature. And the random number, the number of card transactions, the number of sales SAM transactions, and the sales key. The signature includes a sale price, a sale SAM number, a sale date and time, and a temporary key. If the signature is a signature, an error is generated, and the balance is deducted from the existing balance. The sales signature includes a sale price and a temporary key. The settlement signature includes the number of card transactions, the amount of sales, the number of sales SAM, the number of sales SAM transactions, the date of sale and the settlement key.

When the sales signature and the settlement signature are returned from the IC card, the sales program requests the sales SAM / authentication system to confirm the sales signature. The sales SAM / authentication system generates a sales signature. The sales signature includes the sale amount and the temporary key. In the sales SAM / authentication system, if the sales signature is confirmed to be normal, and the sales signature is confirmed as normal, the transaction is successful. The sales program stores the transaction history and the computer signature in the database when the transaction is successful.

11 is a block diagram illustrating a method for integrated transaction management and additional service providing that occurs online and offline.

The transaction record integrated management and additional service providing system 500 may include: an IC card 510 for storing additional services provided by an affiliate store and inquiring transaction records and related information at the affiliate store; An IC card reader 520 which is a hardware interface device that reads the information stored in the IC card 510 and stores additional services provided on the Internet in the IC card 510; A client PC 530 that controls the IC card reader 520 and provides an additional service program; IC card currency value management system 160 for integrated management of the purchase and sales performance by customer and merchants for transactions occurring online and offline; Online and offline merchants 540 for generating transactions using the IC card 510; Settlement SAM (550) for checking the validity of the transaction results transmitted from the online and offline merchants 540 and authenticating them; An additional service program 560 for managing additional services provided by the online and offline affiliated stores 540; An internet supplementary service program server 570 for providing the transaction information stored in the IC card currency value management system 160 and supplementary services provided by the supplementary service program on the Internet; An IC card issuer trading bank holding the IC card 510 issuance price; It consists of online and offline merchant banks 580 that receive the money from the IC card issuer trading bank 180 and transfer the selling price.

The integrated management and additional service providing method according to the above-described integrated management and additional service providing system will be described in detail as follows.

When the transaction results generated from the online and offline affiliated stores 540 are transmitted to the IC card currency value management system 160 at regular intervals, the transaction results generated from the online and offline affiliated stores 540 are settled using the SAM 550. Therefore, the validity of the transaction is judged by checking the abnormality of the transaction performance. If there is no abnormality in the transaction results, transfer the amount corresponding to the transaction results from the IC card issuer trading bank 180 to the online and offline merchant trading bank 580 and store information on the online and offline merchants, 580 ) Inputs a service to be provided to the additional service program to provide the additional service to the customer, and manages the corresponding information in the additional service program 560. The IC card 510 is inserted into the IC card reader 520 to read the information stored in the IC card 510 and transmitted to the Internet additional service program server 570, and the information stored in the IC card 510. The IC card is transmitted to the monetary value management system 160 to go through the authentication process. When it is confirmed that there is no abnormality in the authentication procedure, the information stored in the IC card 510 and the information stored in the additional service program are transmitted to the internet additional service program server 570, and the internet additional service program server 570 Transmits relevant information corresponding to the information stored in the IC card 510 to the client PC 530. The client PC 530 stores the received additional service in the IC card 510 through the IC card reader 520. Customers can use their IC cards with additional services stored at online and offline merchants.

By using the above-mentioned online and offline transaction record integrated management or additional service providing method, the customer can search the transaction record through the Internet, which is a public network, and receive the additional service provided by the merchant according to his transaction results. In addition, the online and offline affiliated stores 540 may analyze and manage information related to sales information or sales performance through the client PC 530, and use the information to increase the revisit rate of customers and increase sales. As it can provide various value-added services for each customer, it can be easily installed without the need to build a separate sales management system. Therefore, it can reduce the cost of system construction or the cost of managing it. Individual marketing because marketing can be more effective than merchants When you can see a bigger effect than with less than the cost.

The present invention relates to a system and method for providing charging, payment, and additional services online and offline using an IC card, and can be sufficiently changed, converted, replaced, and replaced in consideration of the above, and only the above. It is not limited.

 As described above, the present invention can be used for commerce online and offline using the IC card, and can receive financial services such as recharging of money value and inquiry of transaction history, and provide various additional services to customers by managing integrated transaction information. There is an effect that can be provided.

In addition, the conventional online payment means has been a hindrance to the spread of electronic commerce due to the weakness of security when using the IC card, the secure electronic commerce can be guaranteed by the payment method using the IC card, credit card Since the means of payment had to go through the VAN route whenever a transaction occurred, the credit card handling service provider had to pay a certain fee to the additional communication provider every time a transaction occurred. Since it is possible to check whether the transaction is certified or approved, there is no need to use the additional communication network every time a transaction occurs, so the IC card handling company can selectively use the additional communication network according to a predetermined rule, thereby reducing the fees paid to the additional communication service provider. There is.

When recharging money using IC card, the IC card can be recycled by directly transferring the currency value from online and offline to IC card, and it can be used like real money to reduce the cost of banks issuing money. And, the user can solve the inconvenience of carrying cash, IC card handling operators can solve the currency or security problems caused by the storage of money. In addition, when withdrawing money by other payment means (credit card or debit card, etc.), only a certain amount or more is possible, but when charging with an IC card has the advantage of charging a small amount of money.                     

The transaction history or balance inquiry of the IC card can search offline the transaction history or balance stored in the EEPROM embedded in the IC card without accessing the server and inquiring information through the communication network.

In the case of providing additional services using an IC card, the service provider manages only the transaction results generated by the service provider only with a card issued by the service provider to provide the additional service to the customer. However, the IC card has a memory or arithmetic function that can be managed by integrating multiple operators. Built-in CPU that can perform the service provider can reduce the cost of card issuance, value-added service operation or management, etc., customers can solve the inconvenience of having to individually issue cards issued by each operator, transactions As the results are integrated and managed, the customer can integrate and receive the additional services provided by the operator.                     

Claims (11)

It is equipped with a first IC card reader for reading the currency value stored in the IC card, transferring the money value to the IC card, and transfers the requested recharge amount from the customer bank account to the IC card issuer bank. An online money value charging system that controls the IC card reader to charge the IC card according to an amount of money; And a money value charger for reading the money value stored in the IC card and charging the money value in the IC card, and transferring the requested amount of money from the customer account to the IC card issuer transaction bank through an offline charging SAM. An offline money value charging system for controlling the money value charger so that the money value according to the charged amount is charged to the IC card; A second IC card reader which reads the money value stored in the IC card and subtracts the money value stored in the IC card, the goods according to the purchase goods and service information supplied from the outside with the money value stored in the IC card An online payment system for controlling the IC card reader so that the monetary value corresponding to the price of the goods and the price of the service is deducted from the IC card when the amount is greater than the price and the price of the service; A third IC card reader which reads the money value stored in the IC card and subtracts the money value stored in the IC card, and the goods according to the purchase goods and service information supplied from the outside with the money value stored in the IC card An offline payment system for controlling the IC card reader so that the money value corresponding to the price of the goods and the price of the service is deducted from the IC card through the offline sales SAM when the price is higher than the price and the price of the service; And Integrated management of transaction performance in online and offline through the charge and payment history of the IC card provided from the online money value charging system, the offline money value charging system, the online payment system and the offline payment system, and the IC Charge, payment and addition in online and offline using IC card, characterized in that it comprises a transaction record integrated management and additional service providing system that provides additional services to customers with the IC card according to the transaction performance of the card Service delivery system. The method of claim 1, wherein the online money value charging system A customer client PC displaying the remaining balance of the IC card read through the first IC card reader on a screen and requesting a charging method and a charging amount from the outside; An internet charging server for transferring the recharge amount from a customer transaction bank account to an IC card issuer transaction bank according to a recharging method provided from the customer client PC and recharging the monetary value according to the recharge amount to the IC card; An internet charging authentication system for verifying whether the IC card is valid from the Internet charging server when the IC card is charged; And If the IC card is legitimate by the Internet charging authentication system, the IC card currency value management system that receives the charge transaction history of the IC card from the Internet charging server and manages the charge history and balance status for each IC card Charging, payment and additional service providing system in online and offline using IC card. The method of claim 1, wherein the offline money value charging system A charging SAM for generating a certificate name for storing a monetary value in the IC card; Bank charging server for receiving the charge transaction history of the IC card from the currency value charger; And The IC card currency value management system for receiving the charge transaction history of the IC card from the bank charging server and manages the charge history and balance status for each IC card, online and offline using the IC card Charging, payment and value added service system. The system of claim 1, wherein the online payment system is Display the balance of the IC card read through the IC card reader on the screen, receive a payment method and a payment amount for the selected goods or services, and the monetary value corresponding to the payment amount is deducted from the IC card. A customer client PC controlling the reader; An internet payment server that generates a deduction text and provides the deceased telegram to the customer client PC such that a monetary value corresponding to the payment amount provided from the customer client PC is deducted from the IC card; An internet payment authentication system that verifies the validity of the IC card according to a request of the internet payment server; And If the IC card is justified by the Internet payment authentication system, the purchase price is received from the Internet payment server, and the payment amount is transferred from the IC card issuer transaction bank that issued the IC card to the online merchant transaction bank, and the article or A system for providing charging, payment and additional services in an on-line and off-line system using an IC card, characterized in that it comprises an IC card currency value management system for paying a sale price for a service to an online merchant. The system of claim 1, wherein the offline payment system is A sales SAM embedded in the third IC card reader to verify the validity of the IC card and generate a signature for deducting money for deducting the currency value stored in the IC card; A sales client PC displaying the balance of the IC card read through the IC card reader on the screen, receiving a request for a sale price of goods or services, and controlling the IC card reader; And If the IC card is legitimate, the IC card receives transaction details from the sales client PC and transfers the sales amount from the IC card issuer's bank to the account of the merchant's bank to pay the merchant for the goods or services. A system for providing charging, payment and additional services in an online and offline manner using an IC card, comprising a currency value management system. The system of claim 1, wherein the transaction record integrated management and additional service providing system is A client PC displaying the balance of the IC card on a screen and providing an additional service program; Settlement SAM that checks the validity of the transaction results generated in the online and offline merchants by the IC card and authenticates them; If there is no abnormality in the transaction performance, the amount corresponding to the transaction performance is transferred from the IC card issuer bank to the online or offline merchant bank, and the purchase and sales performance by the customer and the merchant for the transaction generated in the online and offline are displayed. IC card money value management system to manage; And An on-line and off-line charging, payment and supplementary service providing system using an IC card comprising a supplementary service program server for providing transaction information and supplementary services stored in the IC card currency value management system to the client PC. . Steps for connecting the client client PC to the Internet Charging Server: Receiving a request for charging an IC card by the customer client PC; Displaying an insertion message of the IC card on a screen of the customer client PC; Inserting the IC card into an IC card reader; Displaying the balance of the IC card on a screen of the customer client PC; Receiving, by the customer client PC, a request for charging the IC card and a charge amount; Transmitting the card information, the account information, and the recharge amount to the Internet recharging server when the recharge amount does not exceed the recharge limit of the IC card; Checking, by the Internet recharging server, the customer account information to the customer transaction bank to hold a monetary value equal to or greater than the recharge amount; If the customer value of the customer transaction bank has a monetary value equal to or greater than the charge amount, the charge amount is transferred from the customer account to the IC card issuer transaction bank that issued the IC card and charged to the transaction database of the Internet charging server. Recording the details; Generating, by the Internet charging server, a charge message according to the charge transaction history using an internet charge authentication system, and then transmitting the charge message to the customer client PC; Charging the IC card with a currency value according to the charge amount according to the charge message; Displaying a balance and a transaction statement on a screen of the customer client PC when charging is successful; And On-line charging method using an IC card, characterized in that performed including the step of terminating the charging of the IC card. Displaying a withdrawal method selection screen such as deposit withdrawal or service withdrawal on a business selection screen of a money value charger; Receiving, by the money value charger, a request for charging a money value; Displaying an insertion message of an IC card on a screen of the money value charger; Inserting an IC card into the money value charger; Displaying the current balance of the IC card on a screen of the money value charger; Receiving, by the money value charger, a request for a charging method and a charging amount; Confirming whether the money value charger transmits card information, account information, and the amount of money to a bank host or another bank host to determine whether the value of money is greater than the amount of money; Transmitting a chargeable telegram to the money value charger; A charge amount is transferred to the IC card issuer transaction bank which issued the IC card from the bank or another bank account in the IC card by the charging SAM in the money value charger, and the charge amount is charged to the IC card; Displaying a balance of the IC card on a screen of the money value charger; Outputting a transaction specification according to the charge transaction details from the money value charger; And Offline charging method using an IC card, characterized in that performed including the step of terminating the charging of the IC card. Connecting the client client PC to the Internet shopping mall; Requesting purchase of goods or services from the customer client PC; Selecting an IC card as a payment means for purchasing the goods or services; Displaying an insertion message of the IC card on a screen of the customer client PC; Inserting the IC card into an IC card reader; Displaying the current balance of the IC card on the screen of the customer client PC; Transmitting goods or service information, the IC card information, and the purchase price to be purchased from the customer client PC to an Internet payment server; Generating, by the Internet payment server, a transaction database and an amount of money deduction telegraph according to the item or service information to be purchased, the IC card information and the purchase amount, and transmitted to the customer client PC; Subtracting the purchase amount from the IC card according to the full amount deduction; The result of the subtraction of the IC card is transmitted to the Internet payment server through the customer client PC; Generating, at the internet payment server, a purchase name according to the deduction result and transmitting it to an internet payment authentication system; Verifying the purchase name in the internet payment authentication system; If the purchase name is verified, transmitting the full purchase success message generated by the Internet payment server to the customer client PC; Displaying the balance and transaction specification after the deduction of the IC card on the screen of the customer client PC; And An online payment method using an IC card, characterized in that performed including the step of ending the payment of the IC card. Selecting an IC card as a payment method for the purchase of goods or services in the sales client PC; Displaying an insertion message of the IC card on a screen of the sales client PC; Inserting the IC card into an IC card reader; Displaying the current balance of the IC card on the screen of the sales client PC; Inputting contents and sales amount of the goods or services to be purchased into the sales client PC; Deducting a monetary value by the sales client PC by the sales client PC as much as the sales value of the goods or services according to the signature for the deduction of the sales amount generated by the sales SAM; Transmitting a sales signature response from the IC card to the sales client PC according to the success of the deduction of the monetary value; Verifying the sales signature by the sales SAM; If the sales signature is confirmed, storing the transaction details in the sales client PC; Displaying the balance of the IC card and the remaining sales amount on the sales client PC, and outputting a transaction statement from the sales client PC; And Offline payment method using the IC card, characterized in that performed including the step of ending the payment of the IC card. Transmitting the transaction results generated from the client PCs of the online and offline merchants to the IC card currency value management system at regular intervals; Determining, by the settlement SAM in the IC card currency value management system, whether the transaction record is abnormal or not, thereby validating the transaction record; If there is no abnormality in the transaction performance, the IC card currency value management system transferring the amount corresponding to the transaction performance from the IC card issuer transaction bank to the online and offline merchant transaction bank and storing the transfer information; Reading, by the IC card reader, the IC card and transmitting the information stored in the IC card to an internet service program server; Transmitting, by the Internet supplementary service program server, the information stored in the IC card to the IC card currency value management system so that the information stored in the IC card is authenticated by the settlement SAM; Transmitting the information stored in the IC card and the information stored in the additional service program to the internet additional service program server when the authentication procedure is confirmed; Transmitting information corresponding to the information stored in the IC card from the Internet supplementary service program server to the client PC; Storing the additional service transmitted to the client PC in the IC card through the IC card reader; And And the IC card storing the additional service is used in the client PC of the online and offline affiliated stores.

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