KR100855744B1 - Electronic money system and operation method the same - Google Patents

Electronic money system and operation method the same Download PDF

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Publication number
KR100855744B1
KR100855744B1 KR1020070024645A KR20070024645A KR100855744B1 KR 100855744 B1 KR100855744 B1 KR 100855744B1 KR 1020070024645 A KR1020070024645 A KR 1020070024645A KR 20070024645 A KR20070024645 A KR 20070024645A KR 100855744 B1 KR100855744 B1 KR 100855744B1
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South Korea
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electronic money
information
card
user
operation server
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KR1020070024645A
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Korean (ko)
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안경대
김태진
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이머니금융(주)
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication

Abstract

An electronic money system and an operation method thereof are provided to recharge/pay/transfer cash and accumulate cashback with magnetic or IC card type electronic money, and restore transaction data promptly when an IC card is damaged by storing the transaction data in an operation server managing electronic money. Electronic money stores user and amount information by using a magnetic or IC card(300). A user PC(100) includes a reader(110) for reading the information from the electronic money, updates the user information and transaction information, such as recharging, transfer, and repayment information, to the magnetic or IC card through the reader, and performs an electronic money service. An operation server(200) is connected to the user PC and a member terminal(400) through the network, and performs authentication/confirmation procedures and stores electronic money balance/cashback information received from the member shop terminal in real-time when the electronic money is used. The member shop terminal performs settlement of the electronic money and provides the electronic money information to the operation server in real-time. The transaction is implemented through the authentication/confirmation procedures in an ATM(500) when a user withdraws cash by using the IC card.

Description

전자화폐 시스템 및 그 운용 방법{Electronic money system and operation method the same}Electronic money system and operation method the same

도 1 은 본 발명의 전자화폐 시스템을 보인 도.1 is a view showing an electronic money system of the present invention.

도 2 는 전자화폐의 등록 및 인증 과정을 보인 흐름도.2 is a flowchart illustrating a process of registering and authenticating electronic money.

도 3 은 가맹점에서의 전화 화폐 사용 상태의 흐름을 보인 도.3 is a view showing the flow of telephone money use state at the merchant.

<도면의 주요부분에 대한 부호설명><Code Description of Main Parts of Drawing>

100 : 사용자 컴퓨터 110 : 카드 리더기100: user computer 110: card reader

200 : 운영 서버 300 : 전자화폐 카드200: operation server 300: electronic money card

400 : 가맹점 단말기 500 : 현금 인출기400: merchant terminal 500: cash dispenser

본 발명은 전자화폐 시스템 및 그 운용 방법에 관한 것으로, 특히 마그네틱 카드 또는 IC 카드 형태의 전자 화폐를 통하여 화폐의 충전, 결제, 이체, 그리고 캐시백의 적립이 가능토록 하며, 이러한 데이터를 전자 화폐를 운용하는 운영 서버 에 남겨두어 전자화폐 카드의 소손시에 이를 즉시 복구할 수 있도록 하는 전자화폐 시스템 및 그 운용 방법에 관한 것이다. The present invention relates to an electronic money system and a method of operating the same, and in particular, it is possible to charge, settle, transfer, and accumulate cash through electronic money in the form of a magnetic card or IC card. The present invention relates to an electronic money system and a method of operating the same, which can be left in an operation server to immediately recover a card when it is burned out.

기존의 전자화폐는 선불카드 혹은 신용카드와 같은 카드형 매체를 채용하고 있다.Existing electronic money employs card type media such as prepaid card or credit card.

이러한 전자화폐는 미리 일정 금액을 카드형 매체에 저장하여 놓고, 이 저장된 금액 데이터를 소비함으로써 결제를 행한다. Such electronic money stores a predetermined amount of money in a card-type medium in advance and makes a payment by consuming the stored amount of data.

금액 데이타의 총액을 소비한 후에는 이를 다시 충전을 행하게 된다.After the total amount of money data is consumed, it is charged again.

그런데, 이러한 전자화폐는 단순히 금액을 충전하여 결제를 위한 용도로만 사용하고 있어서, 더 많은 기능을 부여하여 사용하는 방안이 강력히 요구된다.However, these electronic money is simply used for the purpose of payment by charging the amount, it is strongly required to give more functions to use.

따라서, 본 발명은 마그네틱 카드 또는 IC 카드 형태의 전자 화폐를 통하여 화폐의 충전, 결제, 이체, 그리고 캐시백의 적립이 가능토록 하며, 이러한 데이터를 전자 화폐를 운용하는 운영 서버에 남겨두어 IC 카드의 소손시에 이를 즉시 복구할 수 있도록 하는 전자화폐 시스템 및 그 운용 방법을 제공한다. Therefore, the present invention enables charging, payment, transfer, and cashback of money through electronic money in the form of magnetic cards or IC cards, and leaving such data on an operation server operating electronic money to burn out IC cards. The present invention provides an electronic money system and a method of operating the same so that it can be recovered immediately.

본 발명의 전자화폐 시스템은,Electronic money system of the present invention,

마그네틱 카드, IC 등으로 대용되어 각종 사용자 정보 및 금액 정보를 저장하고 있는 전자화폐;Electronic money, which is substituted with magnetic cards, ICs, etc. and stores various user information and money information;

전화화폐로 대용된 카드의 정보를 읽어들일 수 있도록 리더기가 마련되고, 이를 통하여 운영서버와의 개인 정보, 금액 충전, 이체 및 환불 등의 정보를 카드에 업데이트함과 아울러 PC기반에서 전자화폐 서비스를 수행하는 사용자 PC; A reader is provided to read the information of the card replaced by telephone currency, which updates personal information with the operation server, charges, transfers and refunds to the card, and provides electronic money services based on PC. Performing a user PC;

사용자 PC 및 가맹점 단말기 등과 통신망으로 연결되고, 전자화폐 사용시 인증 및 확인 절차를 수행하며, 가맹점 단말기로부터 실시간으로 제공되는 전자화폐의 잔액 및 캐시백 정보를 저장하는 운영서버;An operating server connected to a user PC, a merchant terminal, and the like, a communication network, performing authentication and verification procedures when using electronic money, and storing balances and cashback information of electronic money provided in real time from the merchant terminal;

운영서버와 통신망으로 연결되고, 전자화폐의 결제를 담당하며, 운영서버로 전자화폐의 정보를 실시간으로 제공하는 가맹점 단말기;로 구성된다.It is connected to the operating server and the communication network, responsible for the payment of electronic money, merchant terminal providing information of the electronic money to the operation server in real time; consists of.

또한, 이렇게 구성된 시스템을 운용하기 위한 방법으로는,In addition, to operate the system configured as such,

사용자 PC에서 카드가 읽혀지면, 통신망을 통해 운영서버로 접속하여 전자화폐 서비스 프로그램을 다운로드하며, 카드에 개인 데이터가 존재하는 경우 충전, 이체, 환불 등의 전자화폐 서비스를 개시하고, 개인 데이터가 존재하지 않는 경우 입력되는 사용자 개인 정보에 의하여 운영서버에서 개인 데이터를 생성한 다음 사용자 PC로 다운로드 하여 사용자 PC를 통하여 전자화폐 서비스를 개시하는 제 1 과정;When the card is read from the user's PC, it connects to the operation server through the network to download the electronic money service program.If personal data exists on the card, it starts electronic money services such as charging, transfer, and refund, and personal data exists. If not, a first step of generating personal data from the operation server according to the input personal information of the user and downloading the personal data to the user PC to start the electronic money service through the user PC;

전자화폐의 정보를 가맹점 단말기에서 읽어들이는 경우 인증 및 확인 과정을 통하여 사용 금액을 결제하고, 그에 따른 캐시백을 전자화폐에 적립함과 아울러 결제 및 캐시백 정보를 통신망을 통하여 운영서버로 제공하여 운영서버가 이를 저장하도록 하는 제 2 과정;으로 수행된다.In case of reading the information of the electronic money from the merchant terminal, the amount of payment is paid through the authentication and verification process, the cashback is accumulated in the electronic money, and the payment and cashback information is provided to the operation server through the communication network. Is a second process for storing it.

이와 같이 구성된 본 발명을 첨부한 도면을 참조하여 상세히 설명한다.The present invention configured as described above will be described in detail with reference to the accompanying drawings.

도 1 은 본 발명의 시스템 구성을 보인 도로서, 사용자 PC(100)에는 전자화폐로 대용되는 마그네틱 카드, IC 카드 등으로부터 정보를 읽어들이거나 또는 정보를 기록할 수 있도록 하는 리더기(110)가 마련되어 있다.1 is a diagram showing the system configuration of the present invention, the user PC 100 is provided with a reader 110 to read or record information from a magnetic card, IC card or the like substituted for electronic money have.

사용자가 카드를 리더기(110)를 통해 읽히게 되면, 사용자 PC(100)는 전자화폐 서비스 프로그램을 통신망으로 연결된 운영서버(200)로부터 다운로드하게 되어 저장한 다음 이 프로그램을 활성화하여 수행하게 된다.When the user reads the card through the reader 110, the user PC 100 downloads and stores the electronic money service program from the operation server 200 connected through a communication network, and then activates the program.

사용자 PC(100)는 프로그램의 수행에 의하여 전자화폐 카드(300)에 개인 데이터가 있는지를 판단하게 되는데, 개인 데이터는 공인인증서, ID정보 등의 개인 정보, 캐시백 정보, 잔액 정보, 이체 및 환불 등의 각종 정보가 될 수 있을 것이다. The user PC 100 determines whether there is personal data in the electronic money card 300 by executing the program. The personal data includes personal information such as a certificate, ID information, cashback information, balance information, transfer and refund, etc. Can be a variety of information.

사용자 PC(100)의 판단에 의하여 개인 데이터가 카드(300)에 존재하는 경우, 그 개인 데이터에 의하여 PC 기반으로 충전, 이체, 환불 등의 전자화폐 서비스를 운영서버(200)와 연동되어 수행하게 된다.When the personal data exists in the card 300 according to the judgment of the user PC 100, the electronic money service such as charging, transfer, refund, etc. based on the personal data is performed in conjunction with the operation server 200. do.

그러나, 카드(300)에 사용자의 개인 데이터가 존재하지 않는 경우, 사용자 PC(100)는 운영 서버(200)로 사용자의 개인 정보를 입력하여 운영서버(200)로부터 생성된 개인 데이터를 다운로드하여 카드(300)에 이를 저장한 다음 충전, 이체, 환불 등의 전자화폐 서비스를 수행하게 된다.However, if the personal data of the user does not exist in the card 300, the user PC 100 inputs the personal information of the user to the operation server 200 to download the personal data generated from the operation server 200 to the card After storing it in the 300, the electronic money service such as charging, transfer, refund, etc. will be performed.

이는 곧, 사용자 PC(100)를 기반으로 전자화폐 서비스를 이용하는 경우에도 전자화폐 카드(300)를 통하여 인증 및 확인을 행하는 과정인 것이다.This is a process of performing authentication and confirmation through the electronic money card 300 even when using the electronic money service based on the user PC 100.

한편, 사용자가 가맹점에서 전자화폐 카드(300)를 사용하는 경우 전자화폐 카드(300)는 이미 인증 및 확인 절차를 거친 상태이므로, 가맹점 단말기(400)를 통하여 곧바로 결제가 이루어지며, 가맹점 단말기(400)는 결제후에 일정 포인트의 캐시백을 전자화폐 카드(300)에 적립하여 저장하게 된다.On the other hand, when the user uses the electronic money card 300 in the merchant, since the electronic money card 300 has already undergone the authentication and verification process, payment is immediately made through the merchant terminal 400, and the merchant terminal 400 ) Is to store and store the cashback of a certain point in the electronic money card 300 after payment.

이와 함께, 가맹점 단말기(400)는 운영서버(200)로 통신망을 통하여 결제정보 및 캐시백 정보를 전송하게 되면, 운영서버(200)는 이를 자체적으로 저장하여 놓게 된다.In addition, when the affiliated store terminal 400 transmits the payment information and the cache back information to the operation server 200 through the communication network, the operation server 200 stores the information on its own.

이는 곧 전자화폐 카드(300)에 저장된 개인 데이터 및 각종 금액 정보, 그리고 캐시백 정보 등이 거래 도중에 문제가 발생하거나 또는 전자화폐 카드(300)의 소손에 의하여 망실되더라도, 운영서버(200)에 저장된 정보로서 즉시 복구가 가능한 것이다.This means that the personal data stored in the electronic money card 300, various amounts of money information, and cashback information are stored in the operation server 200 even if a problem occurs during the transaction or is lost due to the burnout of the electronic money card 300. As soon as it is possible to recover.

또한, 현금 인출기(500)에서도 전자화폐 카드(300)를 이용하여 현금의 인출시에도 운영서버(200)의 인증 및 확인 과정을 통하여 거래가 이루어지게 되는 것이다.In addition, even when the cash machine 500 withdraws cash using the electronic money card 300, the transaction is made through the authentication and verification process of the operation server 200.

결국, 본 발명의 전자화폐는, 현금 카드, 충전식 카드, 캐시백 카드 등의 개념을 통합한 카드인 것이며, 모든 거래 정보 및 데이터 정보는 전자화폐 카드(300)에 자체 저장됨과 아울러 운영서버(200)로 제공되어 저장되는 것이다.After all, the electronic money of the present invention is a card incorporating the concept of a cash card, a rechargeable card, a cashback card, etc., all the transaction information and data information is stored in the electronic money card 300 itself and the operation server 200 To be provided and stored.

이상에서 설명한 바와 같이, 본 발명은 마그네틱 카드 또는 IC 카드 형태의 전자 화폐를 통하여 화폐의 충전, 결제, 이체, 그리고 캐시백의 적립이 가능토록 하며, 이러한 데이터를 전자 화폐를 운용하는 운영 서버에 남겨두어 전자화폐 카드의 소손시에 이를 즉시 복구할 수 있도록 하는 효과가 있다. As described above, the present invention enables the charging, settlement, transfer, and cashback of money through electronic money in the form of magnetic cards or IC cards, and leave such data in an operation server operating electronic money. When an electronic money card is burned out, it is possible to recover it immediately.

Claims (2)

삭제delete 마그네틱 카드 또는 IC 카드로 대용되는 전자화폐, 상기 전자화폐의 정보를 읽어들일 수 있도록 하는 카드 리더기가 마련된 사용자 PC, 상기 전자화폐의 결제 및 캐시백 정보를 운영서버로 제공하는 가맹점 단말기, 상기 전자화폐의 금액 충전, 이체, 환불, 결제, 캐시백 등의 정보를 저장하고, 전체 시스템을 운영하는 운영서버로 구성된 전자화폐 시스템에 있어서,Electronic money that is used as a magnetic card or IC card, a user PC equipped with a card reader for reading the information of the electronic money, a merchant terminal providing payment and cashback information of the electronic money to an operation server, and the electronic money In the electronic money system consisting of the operation server that stores the information, such as charges, transfers, refunds, payments, cash back, operating the entire system, 사용자 PC에서 마그네틱 카드 또는 IC 카드가 읽혀지면, 통신망을 통해 운영서버로 접속하여 전자화폐 서비스 프로그램을 다운로드하며, 다운로드된 전자화폐 서비스 프로그램에 의해 카드에 개인 데이터가 존재하는 경우에는 충전, 이체, 환불 등의 전자화폐 서비스를 개시하고, 개인 데이터가 존재하지 않는 경우에는 입력되는 사용자 개인 정보에 의하여 운영서버에서 개인 데이터를 생성한 다음 사용자 PC로 다운로드 하여 사용자 PC 기반의 전자화폐 서비스를 개시하는 제 1 과정;When the magnetic card or IC card is read from the user's PC, it connects to the operation server through the communication network to download the electronic money service program, and if there is personal data on the card by the downloaded electronic money service program, charge, transfer, refund In the case of starting an electronic money service, such as a personal data, if the personal data does not exist, the first step of generating personal data from the operation server according to the user's personal information inputted and then downloading it to the user's PC to start the electronic money service based on the user's PC process; 상기 전자화폐의 정보를 가맹점 단말기에서 읽어들이는 경우 인증 및 확인 과정을 통하여 사용 금액을 결제하고, 그에 따른 캐시백을 전자화폐에 적립함과 아울러 결제 및 캐시백 정보를 통신망을 통하여 실시간적으로 운영서버로 제공하여 운영서버가 이를 저장하도록 하는 제 2 과정;으로 수행되는 것을 특징으로 하는 전자화폐 운용방법.When the information of the electronic money is read from the merchant terminal, the amount used is paid through the authentication and verification process, the cashback is accumulated in the electronic money, and the payment and cashback information is transferred to the operation server in real time through the communication network. Providing a second process for the operation server to store it; electronic money operating method characterized in that performed as.
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