KR100918024B1 - System for creating an escrow of smartcard with electronic money and method thereof - Google Patents

Abstract

An escrow executing system of a smart card including an electronic cash function and a method thereof are provided to prevent the money for an article from being used as the money except for the escrow payment. A smart card(300) stores the amount of electronic money. A portable terminal(200) of a buyer comprises a smart card. An escrow server(100) communicates with the portable terminal through a communication network, and controls the portable terminal so as to set up at least a part of the amount of electronic money of the smart card as money for the escrow payment.

Description

SYSTEM FOR CREATING AN ESCROW OF SMARTCARD WITH ELECTRONIC MONEY AND METHOD THEREOF}

The present invention relates to a smart card escrow execution system and method including the electronic money function, in particular by applying the escrow depositing the payment for a certain period to the smart card containing the amount of electronic money, the seller through the electronic money and The present invention relates to a smart card escrow execution system and method including an electronic money function that can secure transaction stability even in a buyer's transaction.

In the related art, in order to trade goods, a seller and a buyer meet in person and exchange a price for the goods. The society is complicated, and the development of various electronic devices including the Internet enables sellers and buyers to trade goods through the Internet without meeting in person. By the way, such a transaction through the Internet, such as 'prepaid and post-delivery' or 'prepaid and post-paid', there is bound to time gap in payment of goods and payment. Using these weaknesses, cases of damage are increasing because the seller does not pay the goods even when the seller receives the payment, or the buyer does not pay the money when the buyer receives the goods. Therefore, Escrow is the system introduced in the transaction through the Internet to solve these problems. Escrow is a payment deposit system where a third party, such as a bank, takes charge of the goods paid by the buyer, and deposits it into the seller's account when the delivery is completed normally.

However, such escrow is a third party deposits the price of the goods for a certain period of time, there is a problem that the money value is transferred to the third party, such as payment made to the goods without receiving the goods from the buyer's point of view is unreasonable. In addition, if you cancel the escrow because the transaction is not established, such as the seller does not pay the goods, the process was complicated because the third party had to pay back the money.

In addition, the escrow system is used for transactions through the Internet, and there is a problem that the transaction stability cannot be secured because there is no method to use the escrow system for transactions between individuals through electronic money stored in the mobile terminal.

The present invention is to solve the above problems, by setting the escrow payment price for the goods price to block the use of other than the escrow payment corresponding to the escrow payment price to secure the payment price to the seller, such escrow payment The smart card escrow execution system, which includes the electronic money function, in which the payment is not deposited to a third party but exists in the buyer's electronic money but the payment is delayed so that the buyer may not pay the goods until the goods are received. It is an object to provide a method.

According to an embodiment of the present invention, the escrow setting command, the escrow payment command, and the escrow cancellation command are made of a SIM type command, so that the escrow system that can guarantee transaction stability between the parties can be executed in the smart card including the electronic money function. An object of the present invention is to provide an escrow execution system and method of a smart card that includes an electronic money function.

According to another embodiment of the present invention, if the escrow server does not receive a request for purchase approval from the buyer within a certain period of time, it is regarded as the purchase approval and pays for the escrow payment price, thereby enabling to establish an unstable transaction quickly. Another object is to provide an escrow execution system and method for a smart card that includes the function.

According to another embodiment of the present invention, when the buyer's mobile terminal purchases the mobile content and the buyer's mobile terminal downloads the mobile content, the buyer compares the original attribute data with the download attribute data downloaded by the buyer. Another object is to provide an escrow execution system and method for a smart card that includes an electronic money function that can promptly establish an unstable transaction without requesting purchase approval from the purchaser.

According to another embodiment of the present invention, when the buyer's mobile terminal purchases the mobile content and the buyer's mobile terminal downloads the mobile content, the buyer only compares the original attribute data with the download attribute data downloaded by the buyer. By deeming that the item has been delivered, if the buyer fails to download the mobile content due to an error during the mobile content download or the mobile content download process, the buyer does not perform the escrow payment and the buyer is inadvertently damaged. Another object of the present invention is to provide an escrow execution system and method for a smart card that includes an electronic money function that can prevent wearing.

Lastly, according to another embodiment of the present invention, when the buyer's mobile terminal purchases the mobile content and is transmitted to the buyer's mobile terminal, the escrow server automatically cancels the escrow command when the buyer requests to cancel the purchase of the mobile content. Another object of the present invention is to provide an escrow execution system and method for a smart card including an electronic money function, which can be prepared in case the mobile content is not deleted from the mobile terminal by transmitting.

In order to achieve the above object, an escrow execution system of a smart card including an electronic money function according to an embodiment of the present invention includes a smart card in which an electronic money amount is stored, a mobile terminal of a buyer including the smart card, and a communication network. An escrow server that communicates with the portable terminal and controls the portable terminal to set at least a portion of the amount of the electronic money of the smart card as an escrow payment price; wherein the escrow server includes the escrow payment price Escrow Set ID that identifies the transaction type of Escrow Settlement for escrow, Escrow ID that identifies the escrow transaction corresponding to the escrow payment amount, and Escrow Set message that includes the Escrow payment amount, Payment for the escrow payment amount Escrow payment Escrow payment ID that identifies the transaction type of and Escrow payment message that includes the escrow ID or Escrow cancellation ID that identifies the transaction type of escrow cancellation that cancels the probation for payment of the escrow payment and the escrow ID An escrow message generation module for generating a cancellation message and a first sending module for transmitting the escrow setting message, the escrow payment message, or the escrow cancellation message to the portable terminal, wherein the portable terminal includes the escrow setting message; A first receiving module for receiving an escrow payment message and an escrow cancellation message, an escrow setting instruction for controlling the smart card to suspend payment for the escrow payment according to the escrow setting message, and the escrow payment Generating an escrow payment instruction for controlling the smart card to pay for the escrow payment amount according to the message or an escrow cancellation instruction for controlling the smart card to cancel the suspension of payment for the escrow payment amount according to the escrow cancellation message; And an smart card interface module for transmitting an escrow command generation module, the escrow setting command, the escrow payment command, or the escrow cancellation command to the smart card, wherein the smart card includes the escrow setting command from the portable terminal; A mobile terminal interface module for receiving an escrow payment instruction or the escrow cancellation instruction and an escrow for executing the escrow setting instruction, the escrow payment instruction or the escrow cancellation instruction And a command execution module, wherein the mobile terminal or the smart card includes an electronic money management module for subtracting an amount corresponding to a payment price from the electronic money amount according to a purchaser's request. When the escrow is set according to the escrow setting instruction, the module may block the escrow payment price from being used as a price other than the escrow ID.

The escrow execution system of the smart card including the electronic money function communicates with the mobile terminal through a smart card in which the electronic money value is stored, the mobile terminal of the buyer including the smart card, and a communication network, and the electronic money of the smart card. Escrow server for controlling the mobile terminal to set at least a portion of the amount of the escrow payment price, wherein the escrow server, escrow identifying the transaction type of escrow setting to suspend payment for the escrow payment price An escrow ID identifying an escrow transaction corresponding to the escrow payment amount, an escrow setting message including the escrow payment amount, an escrow payment ID identifying the transaction type of the escrow payment for the escrow payment amount, and the s An escrow message generating module for generating an escrow cancellation message including an escrow ID and an escrow cancellation message identifying an escrow payment message including an escrow ID or an escrow cancellation transaction type that cancels a probation for the escrow payment amount and the escrow ID; And a first transmitting module for transmitting an escrow setting message, the escrow payment message, or the escrow cancellation message to the mobile terminal, wherein the mobile terminal receives the escrow setting message, the escrow payment message, and the escrow cancellation message. A first receiving module, an escrow setting instruction for controlling the smart card to suspend payment for the escrow payment according to the escrow setting message, and a payment for the escrow payment according to the escrow payment message An escrow command generation module for generating an escrow payment command for controlling the smart card or an escrow cancellation command for controlling the smart card to cancel a probation for payment of the escrow payment according to the escrow cancellation message; And a smart card interface module for executing the escrow payment command or the escrow cancellation command and a smart card interface module for transmitting the escrow setting command, the escrow payment command, or the escrow cancellation command to the smart card. Is a portable terminal interface module for receiving the escrow setting instruction, the escrow payment instruction or the escrow cancellation instruction from the portable terminal and the escrow setting instruction; An escrow setting command response to cause the escrow command execution module to execute the escrow setting command in response to the escrow payment command response to cause the escrow command execution module to execute the escrow payment command in response to the escrow payment command; An escrow instruction response module for generating an escrow cancellation instruction response for causing the escrow execution module to execute the escrow cancellation instruction in response to an escrow cancellation instruction, wherein the mobile terminal or the smart card is configured to And an electronic money management module for subtracting an amount corresponding to a payment amount from the electronic money amount, wherein the electronic money management module is set to escrow according to the escrow setting command. Cracked characterized in that the block is used as a value other than the escrow ID.

The escrow execution system of the smart card including the electronic money function is characterized in that the escrow server grants the escrow ID.

An escrow execution system and method of a smart card including an electronic money function is characterized in that the escrow setting instruction, the escrow payment instruction and the escrow cancellation instruction are SIM type instructions according to the definition of TTAS.KO-12.0022 / R1. .

The escrow execution system and method of the smart card including the electronic money function, wherein the escrow setting command is configured to include CLA, INS, P1, P2, Lc, Data and Le, wherein the INS identifies the escrow setting ID It is a command identifier, and the data is characterized in that it comprises a BAL _EP , the electronic money balance in the smart card, EM _PDA payment escrow and EBAL _EP , the balance of the electronic money in the smart card after escrow setting.

The escrow execution system and method of the smart card including the electronic money function, the escrow payment instructions are configured to include CLA, INS, P1, P2, Lc, Data and Le, the INS identifies the escrow payment ID It is a command identifier, characterized in that the data is configured to include BAL _EP , the electronic money balance in the smart _phone and EM _PDA payment escrow.

The escrow execution system and method of the smart card including the electronic money function, the escrow cancellation instruction is configured to include CLA, INS, P1, P2, Lc, Data and Le, the INS identifies the escrow cancellation ID BAL _EP , which is a command identifier and the balance of electronic money in the smart _phone and EM _PDA where the data is the escrow payment Characterized in that comprises a.

The escrow execution system of the smart card including the electronic money function, when the escrow message generation module receives an escrow setting request from the buyer's terminal or the seller's terminal communicating with the escrow server through a communication network, for the escrow payment price And generating the escrow setting message to be deposited.

The escrow execution system of the smart card including the electronic money function, when the escrow message generation module receives a purchase approval request from the buyer's terminal or the seller's terminal communicating with the escrow server through a communication network, It characterized in that for generating the escrow payment message to pay for.

The escrow execution system of the smart card including the electronic money function, when the escrow message generation module does not receive a purchase approval request from the buyer within a certain period of time, generates the escrow payment message that pays for the escrow payment amount. It features.

The escrow execution system of the smart card including the electronic money function, when the escrow message generation module receives a purchase cancellation request from the terminal of the buyer communicating with the escrow server through a communication network, cancels the deposit on the escrow payment price. The escrow cancellation message is generated.

In the smart card escrow execution system including the electronic money function, when the purchaser's mobile terminal purchases the mobile content, the escrow server receives the original attribute data of the mobile content from the seller's terminal, Receiving the download attribute data for the mobile content transmitted from the seller from the mobile terminal, and further comprises an attribute data determination module for comparing the original attribute data and the download attribute data to determine whether the match, the attribute data determination If it is determined by the module that the mobile content is transmitted to the mobile terminal of the buyer, the escrow message generation module, characterized in that for generating and transmitting an escrow payment message to the mobile terminal.

In the smart card escrow execution system including the electronic money function, when the purchaser's mobile terminal purchases the mobile content, the mobile terminal stores the mobile content in the temporary memory until the mobile terminal receives the escrow payment or escrow cancellation command. Storing and transmitting the mobile content stored in the temporary memory to the main memory when receiving the escrow payment command, and automatically deleting the mobile content stored in the temporary memory when receiving the escrow cancellation command. do.

The escrow execution system of the smart card including the electronic money function, if the portable terminal accesses the temporary memory to execute the mobile content, or a predetermined time after the access to the storage memory, escrow payment request is escrow It is characterized in that the transmission automatically to the server.

The escrow execution system of the smart card including the electronic money function includes a transaction ID, a escrow payment amount, and a seller ID for a transaction for which the escrow setting message, the escrow payment message, and the escrow cancellation message have requested an escrow. , At least one of a buyer ID for identifying a buyer and a transaction date and time.

The smart card escrow execution system including the electronic money function, the buyer and seller authentication server capable of authenticating the buyer and seller; characterized in that the configuration further comprises.

The escrow execution system of the smart card including the electronic money function is characterized in that the escrow setting message, the escrow payment message and the escrow cancellation message are transmitted via a short message service or wireless Internet.

The method of executing an escrow of a smart card including an electronic money function may be configured to communicate with the mobile terminal through a smart card in which an electronic money value is stored, a mobile terminal of a buyer including the smart card, and a communication network, and the electronic money of the smart card. A method of executing an escrow of a smart card including an electronic money function, the escrow server configured to control the portable terminal to set at least a portion of an amount of money as an escrow payment price, wherein the escrow server is configured to execute the escrow server. A first step of receiving a request for escrow setting from the terminal of a buyer or the terminal of a seller to suspend payment of the escrow payment; A second step of generating, by the escrow server, an escrow setting message for controlling the portable terminal or the smart card so as to suspend the payment for the escrow payment; A third step of receiving, by the portable terminal, the escrow setting message and generating an escrow setting command for controlling the smart card to suspend payment of the escrow payment according to the escrow setting message to the smart card; A fourth step of the smart card receiving the escrow setting command and executing the escrow setting command; And a fifth step of blocking the escrow payment price from being used as a payment other than the escrow payment corresponding to the escrow payment price when the portable terminal or the smart card is set to the escrow according to the escrow setting instruction. It features.

In the method of executing an escrow of a smart card including an electronic money function, after the fifth step, the escrow server receives an escrow payment request for payment of the escrow payment from the buyer's mobile terminal or the buyer terminal. Sixth step; A seventh step of generating, by the escrow server, an escrow payment message for controlling the portable terminal or the smart card to pay for the escrow payment; An eighth step of the mobile terminal receiving the escrow payment message and generating an escrow payment command for controlling the smart card to pay for the escrow payment according to the escrow payment message to the smart card; And the ninth step of receiving, by the smart card, the escrow payment command to execute the escrow payment command.

The escrow execution method of the smart card including the electronic money function may include, after the fifth step, the escrow server receiving an escrow cancellation request for canceling the probation of payment for the escrow payment from the buyer terminal or the seller terminal. 10 steps; An eleventh step of generating, by the escrow server, an escrow cancellation message for controlling the portable terminal or the smart card to cancel the suspension of payment for the escrow payment; The twelve step of receiving, by the portable terminal, the escrow cancellation message and generating an escrow cancellation command for canceling the probation for payment of the escrow payment according to the escrow cancellation message and transmitting it to the smart card; And the thirteenth step of receiving, by the smart card, the escrow cancellation command and executing the escrow cancellation command.

The escrow execution method of the smart card including the electronic money function is characterized in that the escrow setting command, the escrow payment command and the escrow cancellation command are SIM type commands according to the definition of TTAS.KO-12.0022 / R1.

In a method of executing an escrow of a smart card including an electronic money function, when the purchaser's portable terminal purchases mobile content and the purchaser's portable terminal receives the mobile content, after the fifth step, the escrow server is executed. A first sub-step of receiving original attribute data on the mobile content from a seller's terminal and receiving download attribute data on the mobile content downloaded from the seller by the buyer's mobile terminal from the buyer's portable terminal; And a second substep of comparing the original property data and the download property data to compare whether the original property data and the download property data are matched, and as a result of performing the second substep, the original property data and the download property data coincide with each other. If it is determined that the escrow server receives the escrow payment request step 6; characterized in that to perform.

In a method of executing an escrow of a smart card including an electronic money function, when the buyer's mobile terminal purchases mobile content and the buyer's mobile terminal downloads the mobile content, the buyer's mobile terminal executes the escrow payment command. Storing the mobile content in a temporary memory until receiving and receiving the escrow payment command, and after the ninth step, transmitting the mobile content stored in the temporary memory to main memory after the ninth step; Characterized in that.

In a method of executing an escrow of a smart card including an electronic money function, when the purchaser's mobile terminal purchases mobile content and the purchaser's mobile terminal downloads the mobile content, the purchaser's mobile terminal issues the escrow cancellation command. Storing the mobile content in a temporary memory until receiving and receiving the escrow cancel command, after the thirteenth step, automatically deleting the mobile content stored in the temporary memory; It is characterized by.

ESCROW execution system and method of the smart card including the electronic money function according to the present invention, the payment to the seller by blocking the use of the payment other than escrow payment corresponding to the escrow payment price by setting the escrow payment price for goods The escrow payments are secured, and these escrow payments remain in the buyer's electronic money rather than deposited to a third party, but withhold the payment, giving the buyer the effect of not paying the goods until the goods are received.

In accordance with another embodiment of the present invention, a system and method for executing an escrow in a smart card including an electronic money function include escrow setting instructions, escrow payment instructions, and escrow cancellation instructions comprising SIM type instructions, thereby ensuring stable transaction between the parties. It provides the effect that the escrow system can be executed in the smart card with electronic money function.

The escrow execution system and execution method of the smart card including the electronic money function according to an embodiment of the present invention, if the escrow server does not receive a request for purchase approval from the buyer within a certain period of time, it is regarded as the purchase approval for the escrow payment price By making a payment, it provides an effect that can quickly establish an unstable transaction relationship.

According to another embodiment of the present invention, a system and method for executing an escrow for a smart card including an electronic money function include original attribute data when a purchaser's mobile terminal purchases mobile content and the purchaser's mobile terminal downloads the mobile content. Compared with the download attribute data downloaded by the buyer, the buyer regards the goods as being delivered, thereby providing an effect of promptly establishing an unstable transaction without requesting the purchase approval of the buyer.

In accordance with another embodiment of the present invention, a system and method for executing an escrow for a smart card including an electronic money function may include original attribute data when the purchaser's mobile terminal purchases mobile content and the purchaser's mobile terminal downloads the mobile content. By comparing the download attribute data downloaded by the buyer, the buyer considers the item to have been delivered only if the buyer has received the item. If you do not download the escrow payment is not performed to provide an effect that can prevent the buyer from being injured.

Lastly, according to another embodiment of the present invention, the system and the execution method of the smart card including the electronic money function, when the buyer's mobile terminal purchases the mobile content and is transmitted to the buyer's mobile terminal, the buyer is mobile When the content is requested to cancel the purchase, the escrow server automatically transmits an escrow cancellation command, thereby providing an effect in case the mobile content is not deleted from the mobile terminal.

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

As shown in FIG. 1, when there is a request for escrow setting between a buyer and a seller, escrow payment may be made. The escrow setting request may be made through the purchaser terminal or the seller terminal.

As shown in FIG. 2, an escrow execution system of a smart card including an electronic money function according to an embodiment of the present invention includes an escrow server 100, a portable terminal 200, and a smart card 300. .

The escrow server 100 communicates with the mobile terminal 200 through a communication network and controls the mobile terminal 200 to set at least a part of the amount of the electronic money of the smart card 300 as the escrow payment price.

More specifically, in order to control the mobile terminal 200, the mobile terminal 200 transmits an escrow setting message, an escrow payment message, or an escrow cancellation message.

Such escrow ID is preferably assigned by the escrow server 100 to identify the escrow transaction.

That is, when two parties, sellers and buyers of an item transaction, receive an escrow request for escrow payment for the item price, the buyer sets the amount of the electronic money, which corresponds to the item price, as the escrow payment amount, and the escrow setting message Performs a function of transmitting to the mobile terminal 200. The amount of electronic money set for escrow payment may not be used for any purpose other than payment of goods transactions between seller and buyer.

According to this embodiment, by setting the escrow payment price for the goods price to block the use of other than the escrow payment corresponding to the escrow payment price to provide the seller with the effect of securing the payment price.

However, if you later cancel the escrow setting by agreement between the seller and the buyer, the escrow payment will be reduced to the amount of electronic money that the buyer can use without such restrictions.

At this time, the type of the article is not limited, and may be mobile content existing on the mobile terminal as well as a real thing (object).

The escrow server 100 may be an electronic money operator, and the electronic money operator may have a separate consignment agency that manages escrow payment.

The escrow setup message includes an escrow setup ID that identifies the transaction type of escrow setup that defers payment to the escrow payment, an escrow ID that identifies an escrow transaction that corresponds to the escrow payment, and an escrow payment.

The escrow payment message includes an escrow payment ID and the escrow ID that identify the transaction type of the escrow payment that pays for the escrow payment.

The escrow cancellation message includes an escrow cancellation ID and an escrow ID identifying the transaction type of escrow cancellation that cancels the probation for the escrow payment.

The escrow setting message, the escrow payment message, and the escrow cancellation message may further include at least one of a seller ID, a buyer ID, and a transaction date and time, and may be transmitted through a short message service or wireless Internet.

Meanwhile, the escrow server 100 may be configured to include an escrow message generating module 110 and a first transmitting module 130.

The escrow message generating module 110 performs a function of generating an escrow setting message, an escrow payment message, and an escrow cancellation message.

Escrow message is a deferred payment for escrow payments, Escrow payment message is a payment for deferred escrow payments, Escrow cancellation message is a message for canceling escrow for a deferred escrow payment to be.

The first transmission module 130 transmits the escrow message to the mobile terminal 200.

The mobile terminal 200 may include a first receiving module 210, an escrow command generation module 130, a smart card interface module 250, and an electronic money management module 290.

According to such an embodiment of the present invention, the escrow setting command, the escrow payment command and the escrow cancellation command are composed of a SIM type command, thereby executing an escrow system that can guarantee transaction stability between parties on a smart card including an electronic money function. It provides the effect.

The first receiving module 210 performs a function of receiving an escrow setting message, an escrow payment message, and an escrow cancellation message transmitted from the escrow server 100.

The escrow command generation module 130 performs a function of generating an escrow setting command to be transmitted to the smart card in response to the escrow setting message received through the first receiving module 210. The escrow command is a SIM type command according to the TTAS.KO-12.0022 / R1 standard and may include an escrow setting command, an escrow payment command, or an escrow cancellation command as shown in FIG. 5.

The escrow setting command is a command corresponding to the escrow setting message, which causes the payment of the escrow payment to be suspended. In other words, if the buyer receives a request for escrow setting, the payment of the goods should be suspended until the buyer's approval.

For example, the escrow setup instruction includes CLA, INS, P1, P2, Lc, Data and Le as shown in FIG. 4 to conform to the SIM type instruction structure, where INS identifies the escrow setup ID. Command identifier. The data may include BAL _EP , the balance of electronic money in the smart card, EM _PDA , the escrow payment amount, and EBAL _EP , the balance of electronic money in the smart card after escrow setting. In this case, the balance of electronic money in the smart card is BAL _EP = EM _PDA + EBAL _EP .

An escrow payment command is a command for making a payment for an escrow payment, which is deferred to a command corresponding to an escrow payment message. That is, when a purchase approval request is received from the buyer that the goods have been delivered, the payment for the goods is made.

For example, the escrow payment instruction includes CLA, INS, P1, P2, Lc, Data and Le as shown in FIG. 4 to conform to the SIM type instruction structure, where INS identifies the escrow payment ID. Command identifier. Data can be configured to include BAL _EP , the balance of electronic money in EM _PDA and smart card, which are escrow payments. In this case, the balance BAL _EP of the electronic money in the smart card = EBAL _{EP which} is the balance of the electronic money in the card after setting escrow. After the execution of the escrow payment command, the escrow payment is paid to the seller, and the payment method may be charged by the seller's electronic money or transferred to an account number of a pre-registered bank.

In addition, when the escrow server does not receive a purchase approval request from the buyer within a certain period of time, the escrow server may settle the uncertain transaction at a certain time by allowing the escrow payment to be settled. If a buyer prevents the deduction of electronic money, such as turning off the mobile terminal for a certain period of time after receiving the goods, the smart card is registered as an accident card and the electronic money stored in the smart card registered as the accident card is stored. You can pay the seller for the escrow set amount out of the amount.

According to this embodiment, when the escrow server does not receive a purchase approval request from the buyer within a certain period of time, the escrow server regards the purchase approval and pays for the escrow payment price, thereby providing an effect of promptly establishing an unstable transaction relationship.

The escrow cancellation command is a command for canceling the escrow setting for the escrow payment amount set as the command corresponding to the escrow cancellation message. That is, when a purchase cancellation request is received from the buyer, the probation of payment for the goods is canceled.

For example, the escrow cancel instruction includes CLA, INS, P1, P2, Lc, Data and Le as shown in FIG. 4 to conform to the SIM type instruction structure. At this time, the INS is a command identifier for identifying the escrow cancellation ID, Data may be configured to include BAL _{EP '} which is the electronic money balance in the EM _PDA and smart card payment escrow payment. In this case, the balance of electronic money in the smart card is the balance of electronic money BAL _EP in the smart card, which is the balance before setting the escrow.

The smart card interface module 250 transmits an escrow setting command, an escrow payment command, and an escrow cancellation command to the smart card 300.

The electronic money management module 290 performs a function of subtracting the amount corresponding to the payment price from the electronic money amount at the request of the buyer. In particular, according to an embodiment of the present invention, when escrow is set according to an escrow setting instruction, the escrow payment can be secured by blocking the escrow payment price from being used as a price other than the escrow ID. On the other hand, the electronic money management module 290 may be included in the smart card 300 according to the embodiment.

According to an embodiment of the present invention, by setting the escrow payment price for the goods price to block the use of other than the escrow payment corresponding to the escrow payment price to secure the payment price to the seller, such escrow payment price is It is not deposited in the purchaser but remains in the buyer's electronic money, but withholding the payment gives the buyer the effect of not paying the goods until the goods are received.

The smart card 300 is an IC card that stores the electronic money amount included in the smart card 200.

The smart card 300 may include a portable terminal interface module 310 and an escrow instruction execution module 330.

The mobile terminal interface module 310 receives an escrow setting instruction, an escrow payment instruction, and an escrow cancellation instruction from the portable terminal 200.

Meanwhile, as shown in FIG. 3, an escrow execution system of a smart card including an electronic money function according to another embodiment of the present invention includes an escrow server 100, a portable terminal 200, and a smart card 300. It is configured by.

Components that perform the same functions as described above will be omitted below.

The mobile terminal 200 may include an escrow instruction execution module 270. The escrow instruction execution module 270 performs a function of executing an escrow setting instruction, an escrow payment instruction, or an escrow cancellation instruction.

The smart card 300 may further include an escrow command response module 350. The escrow instruction response module 350 responds to the escrow setting instruction by the escrow instruction execution module 270 to execute the escrow setting instruction, and the escrow instruction execution module 270 responds to the escrow payment instruction by the escrow payment instruction. In response to the escrow payment command response and the escrow cancellation command to execute the command, the escrow execution module 270 performs the function of generating an escrow cancellation command response to execute the escrow cancellation command.

Meanwhile, according to another embodiment of the present invention, the buyer's mobile terminal may purchase mobile content, and the seller may transmit the mobile content to the buyer's mobile terminal.

In this case, the escrow server 100 may further include an attribute data determination module.

The attribute data determination module receives the original attribute data for the mobile content from the seller's terminal or the buyer's mobile terminal, receives the download attribute data for the mobile content transmitted by the seller from the buyer's mobile terminal, and downloads the original attribute data and the download. The attribute data is compared to determine whether there is a match.

According to this embodiment, an escrow execution system and a method of executing a smart card including an electronic money function according to another embodiment of the present invention, when the buyer's mobile terminal purchases the mobile content and the buyer downloads the mobile content In this case, if the original attribute data is compared with the downloaded attribute data downloaded by the buyer, the buyer regards the goods as being delivered, thereby providing an effect of promptly establishing an unstable transaction without requesting the purchase approval of the buyer.

Also, according to this embodiment, when the buyer's mobile terminal purchases mobile content and the buyer downloads the mobile content, the buyer receives the goods only if the buyer compares the original attribute data with the download attribute data downloaded by the buyer. To prevent the buyer from inadvertent damages by not making an escrow payment when the mobile content is not downloaded by the seller or the error occurs during the mobile content download process and the buyer fails to download the mobile content. It provides an effect that can be done.

Meanwhile, according to another embodiment of the present invention, the buyer's mobile terminal may purchase mobile content, and the seller may transmit the mobile content to the buyer's mobile terminal 200.

In this case, the mobile terminal 200 may store the mobile content in a temporary memory until an escrow payment command or an escrow cancellation command is received. Thereafter, when the mobile terminal 200 receives the escrow payment command, the mobile terminal 200 transmits the mobile content stored in the temporary memory to the main memory. On the contrary, when the mobile terminal 200 receives the escrow cancellation command later, the mobile content stored in the temporary memory may be automatically deleted.

The buyer may not perform any additional actions such as approving or canceling the purchase for a certain period of time. In this case, the mobile terminal 200 accesses the temporary memory to execute mobile content or after a certain time after accessing the storage memory, It is characterized in that the purchase approval for the mobile content is automatically transmitted to the escrow payment command to the escrow server (100).

When the buyer's mobile terminal purchases the mobile content and is transmitted through the mobile terminal, the item is stored in the temporary memory of the mobile terminal and when the buyer requests to cancel the purchase of the mobile content, the escrow server automatically transmits an escrow cancellation command. It provides an effect that can be prepared in case the mobile content is not deleted from the mobile terminal.

On the other hand, according to another embodiment of the present invention, the smart card escrow execution system including the electronic money function may be configured to further include an authentication server. The authentication server performs the function of authenticating the buyer and seller. The buyer and seller can authenticate using the mobile terminal number, social security number or PIN.

6 and 8 illustrate an escrow setting and payment method of a smart card including an electronic money function according to an embodiment of the present invention.

First, the escrow server 100 performs a first step S10 of requesting escrow setting to suspend payment of the escrow payment from the buyer's mobile terminal, the buyer's terminal, or the seller's terminal.

The escrow setting request is not limited to the mobile terminal of the buyer or seller, and includes a terminal capable of communicating with the escrow server 100 through a communication network.

Next, the escrow server 100 sets at least a part of the electronic money amount of the buyer's smart card as the escrow payment price, and sets an escrow setting message for controlling the mobile terminal or the smart card to suspend the payment for the escrow payment price. A second step (S20) of transmitting the generated mobile terminal 200 is performed.

Next, the mobile terminal 200 receives the escrow setting message and generates an escrow setting command for controlling the smart card 300 to suspend payment for the escrow payment according to the escrow setting message and transmits it to the smart card. (S30).

The escrow setting instruction may be a SIM type instruction according to the definition of TTAS.KO-12.0022 / R1.

When receiving the request for the payment of the goods from the buyer, generates an escrow setting instruction for depositing the payment for the goods.

Next, the smart card 300 receives the escrow setting command and performs the fourth step S40 of executing the escrow setting command.

Next, when the mobile terminal 200 or the smart card 300 is escrowed according to the escrow setting command, the fifth step (S50) of blocking the escrow payment price from being used as a payment other than the escrow transaction corresponding to the escrow payment price Perform

According to this embodiment, by setting the escrow payment price for the goods price to block the use of other than the escrow payment corresponding to the escrow payment price to provide the seller with the effect of securing the payment price.

On the other hand, the escrow execution method of the smart card including the electronic money function according to an embodiment of the present invention, after the fifth step (S50) the escrow server 100 further receives the step 6 escrow payment request (S60) Can be done. In a sixth step (S60), the escrow server 100 receives an escrow payment request from the buyer's mobile terminal or the buyer's terminal to pay for the escrow payment. The escrow payment request is not limited to the purchaser's portable terminal, but includes a purchaser's terminal that can communicate with the escrow server 100 through a communication network.

On the other hand, according to an embodiment of the present invention, the smart card including the electronic money function, the escrow execution method, the buyer's mobile terminal can purchase the mobile content, the buyer's mobile terminal or the buyer's terminal can receive the mobile content have.

In this case, after the fifth step, the escrow server 100 receives the original attribute data for the mobile content from the seller's terminal or the buyer's mobile terminal, and the mobile content downloaded from the seller by the buyer's mobile terminal from the seller's mobile terminal. The first sub-step of receiving the download attribute data for may be further performed.

The escrow server 100 may further perform a second sub-step of comparing the original attribute data and the download attribute data to compare whether they match.

Thereafter, when it is determined that the original attribute data and the download attribute data match as a result of performing the second sub-step, the escrow server 100 may receive the sixth step of receiving the escrow payment request.

Next, a seventh step S70 of generating an escrow payment message for controlling the mobile terminal 200 or the smart card 300 so that the escrow server 100 pays for the escrow payment price (S70). Perform

Next, the mobile terminal 200 receives the escrow payment message and generates an escrow payment command for controlling the smart card 300 to pay for the escrow payment according to the escrow payment message, and then transmits it to the smart card. S80).

The escrow determination instruction may be a SIM type instruction as defined in TTAS.KO-12.0022 / R1.

Next, the smart card 300 receives the escrow payment command and performs the ninth step S90 of executing the escrow payment command.

On the other hand, the smart card including the electronic money function according to an embodiment of the escrow execution method, the article is a mobile content, when the buyer's mobile terminal downloads the mobile content, when the mobile terminal receives the escrow payment instructions Until the mobile content is stored in the temporary memory. When receiving the escrow payment command, after the ninth step S90, the third substep of transmitting the mobile content stored in the temporary memory to the main memory may be further performed.

Meanwhile, according to FIGS. 7 and 9, the escrow execution method of the smart card including the electronic money function according to the embodiment of the present invention includes, after the fifth step S50, the escrow server 100, the purchaser terminal or the seller terminal. A tenth step (S100) for receiving an escrow cancellation request for canceling a probation for escrow payment from the client.

Next, an eleventh step in which the escrow server 100 generates an escrow cancellation message for controlling the mobile terminal 200 or the smart card 300 to cancel the suspension of payment for the escrow payment, and transmits it to the mobile terminal 200. (S110).

Next, the mobile terminal 200 receives the escrow cancellation message and generates an escrow cancellation command for canceling the probation of payment for the escrow payment according to the escrow cancellation message and transmits it to the smart card 300 (S120). Perform

The escrow cancel instruction may be a SIM type instruction according to the definition of TTAS.KO-12.0022 / R1.

Finally, the smart card 300 receives the escrow cancellation command and performs the thirteenth step S130 of executing the escrow cancellation command.

On the other hand, a method of executing an escrow of a smart card with an electronic money function according to an embodiment of the present invention, when the article is mobile content and the buyer's mobile terminal has downloaded the mobile content, until the mobile terminal receives the escrow cancellation command If the mobile content is stored in the temporary memory and an escrow cancellation command is received, the fourth sub-step of automatically deleting the mobile content stored in the temporary memory may be further performed after the thirteenth step S130.

In addition, preferred embodiments of the present invention are disclosed for the purpose of illustration, those skilled in the art will be able to various modifications, changes, additions, etc. within the spirit and scope of the present invention, such modifications, changes, etc. fall within the scope of the claims Should be seen.

1 is an overall configuration diagram showing an escrow execution system of a smart card with an electronic money function according to an embodiment of the present invention.

Figure 2 is a detailed configuration diagram showing an escrow execution system of a smart card with an electronic money function according to a first embodiment of the present invention.

Figure 3 is a detailed configuration diagram showing an escrow execution system of a smart card with an electronic money function according to a second embodiment of the present invention.

4 is a block diagram showing a structure of a SIM type transmission protocol according to an embodiment of the present invention.

5 is a block diagram showing an escrow instruction structure according to an embodiment of the present invention.

Figure 6 is a flow chart illustrating an escrow setting and payment method of a smart card with an electronic money function according to an embodiment of the present invention.

7 is a flowchart illustrating a escrow setting and canceling method of a smart card including an electronic money function according to an embodiment of the present invention.

8 is a transaction illustrating an escrow setting and payment method of a smart card including an electronic money function according to an embodiment of the present invention.

9 is a transaction illustrating a method of setting and canceling escrow of a smart card including an electronic money function according to an embodiment of the present invention.

<Description of Symbols for Major Parts of Drawings>

100: escrow server 110: escrow message generating module

130: first transmission module 200: portable terminal

210: first receiving module 230: escrow command generation module

250: smart card interface module 270: escrow instruction execution module

300: smart card 310: mobile terminal interface module

330: escrow command response module

Claims (24)

A smart card that stores an electronic money amount; A purchaser's portable terminal including the smart card; And And an escrow server configured to communicate with the portable terminal through a communication network, and control the portable terminal to set at least a portion of the amount of the electronic money of the smart card as an escrow payment price. The escrow server may include an escrow setting ID for identifying a transaction type of escrow setting for deferring payment for the escrow payment, an escrow ID for identifying an escrow transaction corresponding to the escrow payment amount, and an escrow setting including the escrow payment amount. Identify the transaction type of the message, the escrow payment ID that identifies the transaction type of escrow payment for the escrow payment, and the escrow payment message that includes the escrow ID, or the escrow cancellation transaction that cancels the probation for the escrow payment. An escrow message generation module for generating an escrow cancellation message including the escrow cancellation ID and the escrow ID and the escrow setting message, the escrow payment message, or the escrow cancellation message to the mobile terminal; Comprising: a first transmission module for transmitting, The mobile terminal comprises: a first receiving module for receiving the escrow setting message, the escrow payment message and the escrow cancellation message, an escrow setting instruction for controlling the smart card to suspend the payment for the escrow payment according to the escrow setting message, Escrow payment instruction for controlling the smart card to pay for the escrow payment amount in accordance with the escrow payment message or Escrow cancellation instruction for controlling the smart card to cancel the suspension of payment for the escrow payment amount in accordance with the escrow cancellation message It comprises a smart card interface module for generating an escrow command generating module, the escrow setting command, the escrow payment command or the escrow cancellation command to the smart card, The smart card executes an escrow instruction for executing the escrow setting instruction, the escrow settlement instruction or the escrow cancellation instruction and the escrow setting instruction, the escrow settlement instruction or the escrow cancellation instruction from the portable terminal. Including modules, The mobile terminal or the smart card includes an electronic money management module for subtracting an amount corresponding to a payment price from the electronic money amount according to a buyer's request, wherein the electronic money management module includes an escrow according to the escrow setting command. If set, the escrow execution system of the smart card with an electronic money function, characterized in that the payment block is used as a payment other than the escrow ID. A smart card that stores an electronic money amount; A purchaser's portable terminal including the smart card; And And an escrow server configured to communicate with the portable terminal through a communication network, and control the portable terminal to set at least a portion of the amount of the electronic money of the smart card as an escrow payment price. The escrow server may include an escrow setting ID for identifying a transaction type of escrow setting for deferring payment for the escrow payment, an escrow ID for identifying an escrow transaction corresponding to the escrow payment amount, and an escrow setting including the escrow payment amount. Identify the transaction type of the message, the escrow payment ID that identifies the transaction type of escrow payment for the escrow payment, and the escrow payment message that includes the escrow ID, or the escrow cancellation transaction that cancels the probation for the escrow payment. An escrow message generation module for generating an escrow cancellation message including the escrow cancellation ID and the escrow ID and the escrow setting message, the escrow payment message, or the escrow cancellation message to the mobile terminal; Comprising: a first transmission module for transmitting, The mobile terminal comprises: a first receiving module for receiving the escrow setting message, the escrow payment message and the escrow cancellation message, an escrow setting instruction for controlling the smart card to suspend the payment for the escrow payment according to the escrow setting message, Escrow payment command for controlling the smart card to pay for the escrow payment according to the escrow payment message or Escrow cancellation for controlling the smart card to cancel the suspension of payment for the escrow payment according to the escrow cancellation message Escrow command generation module for generating a command, Escrow command execution module for executing the escrow setting command, the escrow payment command or the escrow cancellation command and the escrow setting command, escrow It is configured to include a smart card interface module for transmitting a black payment command or the escrow cancellation command to the smart card, The smart card may include a portable terminal interface module for receiving the escrow setting instruction, the escrow payment instruction or the escrow cancellation instruction from the portable terminal, and the escrow instruction execution module executing the escrow setting instruction in response to the escrow setting instruction. An escrow setting instruction response to cause the escrow payment instruction to execute the escrow payment instruction and an escrow payment instruction response to the escrow instruction execution module in response to the escrow payment instruction; An escrow command response module for generating an escrow cancel command response to execute, The mobile terminal or the smart card includes an electronic money management module for subtracting an amount corresponding to a payment price from the electronic money amount according to a buyer's request, wherein the electronic money management module includes an escrow according to the escrow setting command. If set, the escrow execution system of the smart card with an electronic money function, characterized in that the payment block is used as a payment other than the escrow ID. The escrow server of claim 1 or 2, wherein the escrow server comprises: Escrow execution system of the smart card with an electronic money function, characterized in that to give the escrow ID. The method of claim 1, wherein the escrow setting instruction, the escrow payment instruction, and the escrow cancellation instruction, Escrow execution system of a smart card with an electronic money function, characterized in that the SIM type instructions according to the definition of TTAS.KO-12.0022 / R1. The method of claim 4, wherein The escrow setting instruction includes CLA, INS, P1, P2, Lc, Data, and Le, The INS is a command identifier for identifying the escrow setting ID, The data includes the electronic money function comprising BAL _EP , the electronic money balance in the smart card, EM _PDA , the escrow payment amount, and EBAL _EP , the balance of the electronic money in the smart card after escrow setting. Execution system of smart card. The method of claim 4, wherein The escrow payment command is configured to include CLA, INS, P1, P2, Lc, Data and Le, The INS is a command identifier for identifying the escrow payment ID, The data is escrow execution system of the smart card with an electronic money function, characterized in that it comprises the electronic money balance BAL _EP in the electronic _PDA and the smart card payment settlement escrow. The method of claim 4, wherein The escrow cancel instruction is configured to include CLA, INS, P1, P2, Lc, Data and Le, The INS is an instruction identifier for identifying the escrow cancellation ID, The data is BAL _{EP which is the} balance of electronic money in the EM _PDA and the smart card. Escrow execution system of the smart card with an electronic money function, characterized in that comprises a. The escrow message generating module of claim 1, wherein the escrow message generating module comprises: When receiving the escrow setting request from the terminal of the buyer or the seller of the terminal communicating with the escrow server through a communication network, the smart money with the electronic money function, characterized in that for generating the escrow setting message for depositing the escrow payment Escrow execution system of the card. The escrow message generating module of claim 1, wherein the escrow message generating module comprises: When receiving a purchase approval request from a terminal of a buyer or a seller of a terminal communicating with the escrow server through a communication network, the smart money function including the electronic money function characterized in that for generating the escrow payment message to pay for the escrow payment Escrow execution system of the card. The escrow message generating module of claim 1, wherein the escrow message generating module comprises: If the buyer does not receive a request for approval from the purchaser within a certain period of time, the escrow execution system of the smart card with an electronic money function, characterized in that for generating the escrow payment message to pay for the escrow payment. The escrow message generating module of claim 1, wherein the escrow message generating module comprises: When receiving a purchase cancellation request from the terminal of the buyer communicating with the escrow server through a communication network, the smart card including the electronic money function characterized in that for generating the escrow cancellation message for canceling the deposit for the escrow payment price Escrow Execution System. The method according to claim 1 or 2, If the buyer's mobile terminal has purchased mobile content, The escrow server receives the original attribute data for the mobile content from the seller's terminal, receives the download attribute data for the mobile content transmitted by the seller from the portable terminal of the buyer, and the original attribute data and the Further comprising an attribute data determination module for comparing the download attribute data and determining whether to match. If it is determined by the attribute data determination module that the mobile content has been transmitted to the mobile terminal of the buyer, the escrow message generation module generates and transmits an escrow payment message to the mobile terminal. Escrow execution system of the included smart card. The method according to claim 1 or 2, If the buyer's mobile terminal has purchased mobile content, The mobile terminal stores the mobile content in a temporary memory until receiving the escrow payment instruction or the escrow cancellation instruction, When the escrow payment command is received, the mobile content stored in the temporary memory is transmitted to the main memory, When the escrow cancellation command is received, the smart card escrow execution system including an electronic money function, characterized in that for automatically deleting the mobile content stored in the temporary memory. The method of claim 13, When the portable terminal accesses the temporary memory to execute the mobile content or after a predetermined time has passed after accessing the storage memory, Escrow execution system of the smart card with an electronic money function, characterized in that for automatically transmitting the request for escrow to the escrow server. The method of claim 1 or 2, wherein the escrow setting message, the escrow payment message, and the escrow cancellation message, Smart money with electronic money, characterized in that it comprises at least one of the transaction ID, the escrow payment amount, the seller ID to identify the seller, the buyer ID to identify the buyer and the transaction date and time for the transaction that made the escrow request Escrow execution system of the card. The escrow execution system of claim 1 or 2, wherein the escrow execution system comprises: Buyer and seller authentication server that can authenticate the buyer and seller; Escrow execution system of a smart card with an electronic money function, characterized in that it further comprises. The method of claim 1 or 2, wherein the escrow setting message, the escrow payment message, and the escrow cancellation message, Escrow execution system of a smart card with an electronic money function, characterized in that transmitted via a short message service or wireless Internet. The mobile device communicates with the mobile terminal through a smart card in which an electronic money amount is stored, a mobile terminal of a buyer including the smart card, and a communication network, and sets at least a portion of the amount of the electronic money of the smart card as an escrow payment price. In the escrow execution method of the smart card including the electronic money function configured to include an escrow server for controlling the terminal, A first step of receiving, by the escrow server, an escrow setting request from the portable terminal of the buyer, the terminal of the buyer, or the terminal of the seller to suspend payment of the escrow payment; A second step of generating, by the escrow server, an escrow setting message for controlling the portable terminal or the smart card to suspend payment of the escrow payment to the portable terminal; A third step of receiving, by the portable terminal, the escrow setting message and generating an escrow setting command for controlling the smart card to suspend payment of the escrow payment according to the escrow setting message to the smart card; A fourth step of the smart card receiving the escrow setting command and executing the escrow setting command; And A fifth step of blocking the escrow payment price from being used as a payment other than the escrow payment corresponding to the escrow payment price when the portable terminal or the smart card is set to escrow according to the escrow setting instruction; ESCROW execution method of a smart card with an electronic money function. The method of claim 18, wherein after the fifth step, A sixth step of receiving, by the escrow server, an escrow payment request for payment for the escrow payment from the mobile terminal of the buyer or the terminal of the buyer; A seventh step of generating, by the escrow server, an escrow payment message for controlling the portable terminal or the smart card to make a payment for the escrow payment; An eighth step of the mobile terminal receiving the escrow payment message and generating an escrow payment command for controlling the smart card to pay for the escrow payment amount according to the escrow payment message to the smart card; And And executing, by the smart card, the escrow payment command to execute the escrow payment command. The method further comprises escrow execution of the smart card. The method of claim 18, wherein after the fifth step, A tenth step of receiving, by the escrow server, an escrow cancellation request for canceling the probation of payment for the escrow payment from the purchaser terminal or the seller terminal; An eleventh step of generating, by the escrow server, an escrow cancellation message for controlling the portable terminal or the smart card to cancel the suspension of payment for the escrow payment; The twelve step of receiving, by the portable terminal, the escrow cancellation message and generating an escrow cancellation command for canceling the suspension of payment for the escrow payment price according to the escrow cancellation message and transmitting it to the smart card; And And the thirteenth step of receiving, by the smart card, the escrow cancellation command and executing the escrow cancellation command. 21. The method according to any one of claims 18 to 20, wherein the escrow setting instruction, the escrow payment instruction and the escrow cancellation instruction are: ESCRO execution method of a smart card with an electronic money function, characterized in that the SIM type instructions according to the definition of TTAS.KO-12.0022 / R1. The method of claim 19, When the purchaser's mobile terminal purchases mobile content and the purchaser's mobile terminal or the purchaser terminal receives the mobile content, After the fifth step, the escrow server receives the original attribute data of the mobile content from the seller's terminal, and the mobile content of the buyer's mobile terminal downloaded from the seller from the buyer's mobile terminal. A first substep of receiving download attribute data; And And performing, by the escrow server, comparing the original attribute data and the download attribute data to compare whether or not they match. If it is determined that the original attribute data and the download attribute data are identical as a result of performing the second sub-step, the escrow server performs a sixth step of receiving an escrow payment request; How to run the escrow of the smart card included. The method of claim 19, When the buyer's mobile terminal purchases the mobile content and the buyer's mobile terminal downloads the mobile content, the buyer's mobile terminal stores the mobile content in the temporary memory until the buyer receives the escrow payment command, And receiving the escrow payment command, after the ninth step, a third sub-step of transmitting the mobile content stored in the temporary memory to a main memory; and further comprising a smart card including an electronic money function. How to Run Escrow. The method of claim 20, When the buyer's mobile terminal purchases mobile content and the buyer's mobile terminal downloads the mobile content, the buyer's mobile terminal stores the mobile content in a temporary memory until receiving the escrow cancellation command, And a fourth sub-step of automatically deleting the mobile content stored in the temporary memory after the thirteenth step when the escrow cancellation command is received. How to Run Escrow.

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