KR101199000B1 - System and method for managing electronic cash using attribute information - Google Patents

Abstract

PURPOSE: An electronic cash managing system using attribute information and a method thereof are provided to assign the attribute information in electronic cash, thereby enabling a provider of the electronic cash to induce a receiver to use the electronic cash the provider intends. CONSTITUTION: A receiving unit(210) provides an input window inputting attribute information of electronic cash to a first communication terminal of a first user. The receiving unit receives the attribute information from the first communication terminal with inherent identifying information of the electronic cash. A registering unit(220) corresponds to the received inherent identifying information and the attribute information each other. The registering unit registers the corresponded information in a database. A managing unit(230) limits use of the electronic cash based on a searched attribute information. [Reference numerals] (210) Receiving unit; (220) Registering unit; (230) Managing unit; (240) Controlling unit

Description

Electronic money management system and method using attribute information {SYSTEM AND METHOD FOR MANAGING ELECTRONIC CASH USING ATTRIBUTE INFORMATION}

Embodiments of the present invention relate to electronic money, and more particularly, to a system and method for managing electronic money using attribute information.

Electronic money is a means of payment and payment, which converts the nature of existing money into electronic information instead of money. Electronic money is a kind of cash that replaces current coins and paper money. Its purpose is mainly small transactions. In other words, it inherits the attributes of coins or paper money. The only means of expressing value is digital information, not paper or metal.

Electronic money is divided into a network type that is stored on a PC hard disk and an IC card type (chip card, smart card, intelligent card) that stores and uses value on a chip card, depending on its operation method.

Networked electronic money allows you to store value on your PC and make online payments. A customer transfers a certain amount of money from a bank account to an electronic money company installed on the Internet, and then transfers the money to the seller's account every time a purchase is made.

The IC card type is a method of transferring cash to a card with a built-in semiconductor chip, and then putting it in a computer or card recognizer every time a transaction occurs. In addition to the Internet, retailers with devices that can read IC cards can pay and exchange value between individuals. Unlike a postpaid credit card, it is a kind of prepaid card that can be used in the amount of money after depositing the money in advance.

To use an IC card, you need to get an IC card from your bank or credit card company that is linked to your account. If you run out of money, you can recharge it and continue using it. The advantage is that there is no problem with micro transactions or security.

Such electronic money is mainly used in the transportation field and is also used in cafeterias, shopping malls, PC rooms, and the like. Electronic money can be used like cash or credit cards. However, there is a risk of just using it, and that may come with greater inconvenience.

One embodiment of the present invention, by assigning the attribute information to the electronic money, induces the electronic money to be used as intended, and the receiving electronic money can be used as intended in the first place, to make a transparent and secure payment An electronic money management system and method using attribute information are provided.

The problem to be solved by the present invention is not limited to the problem (s) mentioned above, and other object (s) not mentioned will be clearly understood by those skilled in the art from the following description.

Electronic money management system using the attribute information according to an embodiment of the present invention provides an input window for inputting the attribute information of the electronic money to the first communication terminal of the first user, the attribute input through the input window A receiving unit which receives information from the first communication terminal together with the unique identification information of the electronic money; A register configured to register the received unique identification information and the attribute information in a database in correspondence with each other; And when the electronic money is used by a second user, receive unique identification information of the used electronic money from a second communication terminal of the second user or a third communication terminal associated with the use of the electronic money, and And a management unit for retrieving attribute information corresponding to the received unique identification information from a database, and for limiting use of the electronic money based on the retrieved attribute information.

The attribute information may be used, time, grade, age, available / non-available category setting, the number of times of use, the expiration date, the method of recovery, the reimbursement conditions of the remaining amount, whether or not the attribute is inherited and the number of inheritances, how to handle if left unchanged, regional or It may include at least one of a country code, an authentication method.

The electronic money stores the attribute information in the form of an encrypted file, and when the encryption is released by the first user, the electronic money can be restored to its original form from which the attribute information has been removed.

The electronic money stores the attribute information in the form of an encrypted file, and when the password is released by the first user, the attribute information can be changed.

The first communication terminal may input the attribute information through the input window only when accessing the electronic money management server through the member authentication of the first user.

When the use of the electronic money is limited based on the attribute information, the manager may return the balance remaining in the electronic money to the electronic wallet of the first user.

When the second user pays for the purchased item using the electronic money, the management unit transmits a payment message regarding the purchased item to the first communication terminal of the first user, so that the first user receives the payment. Through the NFC (Near Field Communication) function of the first communication terminal may be to pay for the purchased goods.

Electronic money management method using the attribute information according to an embodiment of the present invention, the electronic money management server, providing an input window for inputting the attribute information of the electronic money to the first communication terminal of the first user; Receiving, at the electronic money management server, attribute information input through the input window from the first communication terminal together with unique identification information of the electronic money; Registering, at the electronic money management server, the received unique identification information and the attribute information in a database in correspondence with each other; In the electronic money management server, when the electronic money is used by a second user, a unique identification of the used electronic money from the second communication terminal of the second user or a third communication terminal associated with the use of the electronic money Receiving information; Retrieving, from the database, attribute information corresponding to the received unique identification information from the database; And limiting the use of the electronic money in the electronic money management server based on the retrieved attribute information.

The attribute information may be used, time, grade, age, available / non-available category setting, the number of times of use, the expiration date, the method of recovery, the reimbursement conditions of the remaining amount, whether or not the attribute is inherited and the number of inheritances, how to handle if left unchanged, regional or It may include at least one of a country code, an authentication method.

The electronic money stores the attribute information in the form of an encrypted file, and when the encryption is released by the first user, the electronic money can be restored to its original form from which the attribute information has been removed.

The electronic money stores the attribute information in the form of an encrypted file, and when the password is released by the first user, the attribute information can be changed.

The first communication terminal may input the attribute information through the input window only when accessing the electronic money management server through the member authentication of the first user.

In the electronic money management method using the attribute information according to an embodiment of the present invention, when the use of the electronic money is limited in the electronic money management server based on the attribute information, the balance remaining in the electronic money is determined by the first user. The method may further include returning to the electronic wallet.

Electronic money management method using the attribute information according to an embodiment of the present invention, in the electronic money management server, when the second user to pay for the purchases using the electronic money, the first user of the first user The method may further include transmitting a payment message regarding the purchased item to a communication terminal to allow the first user to make a payment for the purchased item through a Near Field Communication (NFC) function of the first communication terminal. have.

Specific details of other embodiments are included in the detailed description and the accompanying drawings.

Advantages and / or features of the present invention and methods for achieving them will become apparent with reference to the embodiments described below in detail in conjunction with the accompanying drawings. It should be understood, however, that the invention is not limited to the disclosed embodiments, but is capable of many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, To fully disclose the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. Like reference numerals refer to like elements throughout.

According to an embodiment of the present invention, by assigning attribute information to electronic money, the electronic money giving side can be used as intended and the electronic money receiving side can be used as originally intended, transparent and secure payment To do this.

1 is a diagram illustrating a network configuration of an electronic money management system using attribute information according to an embodiment of the present invention.
FIG. 2 is a detailed block diagram illustrating an internal configuration of the electronic money management server of FIG. 1.
3 is a flowchart illustrating a method of managing electronic money using attribute information according to an embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings will be described embodiments of the present invention;

1 is a diagram illustrating a network configuration of an electronic money management system using attribute information according to an embodiment of the present invention.

Referring to FIG. 1, the first user 101 accesses the electronic money management server 120 through the first communication terminal 110. In this case, the first user 101 undergoes a member authentication process, and when the member authentication is normally performed, the first user 101 can access the electronic money management server 120.

The first user 101 may assign attribute information (value) to electronic money owned by the first user 101. To this end, the first user 101 can input the attribute information related to the restriction of the use of electronic money in the input window displayed on the screen of the first communication terminal 110 and transmit it to the electronic money management server 120. have. In this case, the first communication terminal 110 may transmit the unique identification information (number) of the electronic money to the electronic money management server 120 together with the input attribute information.

After assigning attribute information to the electronic money, the first user 101 can transfer the electronic money to the second user 102 on-line or off-line. The second user 102 may receive the electronic money and use the electronic money through the second user terminal 130 to purchase goods and the like (including goods and services). Alternatively, when the electronic money is an IC card type, the second user 102 may use the electronic money through the third communication terminal 140.

Here, the first and second communication terminals 110 and 130 may include a computer, a notebook computer, a tablet PC, a mobile phone, and the like as the terminal of the user. In addition, the third communication terminal 120 is a terminal of a seller who sells goods and the like, and may include an offline merchant terminal or a traffic card terminal.

When the electronic money is used by the second user 102, the electronic money management server 120 uniquely identifies the electronic money from the second communication terminal 130 or the third communication terminal 140. Receive the information and retrieve the attribute information from the database. The electronic money management server 120 may manage the electronic money in a manner that limits the use of the electronic money according to the retrieved attribute information.

Hereinafter, the electronic money management server 120 will be described in detail with reference to FIG. 2.

2 is a block diagram illustrating in detail the internal configuration of the electronic money management server 120 of FIG.

1 and 2, the electronic money management server 120 includes a receiver 210, a registerer 220, a manager 230, and a controller 240.

The reception unit 210 provides an input window for inputting attribute information of electronic money to the first communication terminal 110 of the first user 101. Accordingly, when the first communication terminal 110 displays the input window on the screen and the first user 101 inputs the attribute information of the electronic money into the input window, the first communication terminal 110 displays the input information in the electronic money. It transmits to the electronic money management server 120 with the unique identification information of.

In this case, the first communication terminal 110 may input the attribute information through the input window only when accessing the electronic money management server 120 through the member authentication of the first user 101.

The receiving unit 210 receives the attribute information input through the input window from the first communication terminal 110 together with the unique identification information of the electronic money.

Here, the attribute information may be used, time, grade, age, available / not available category setting, the number of times of use, the expiration date, the method of recovery, the refund condition of the remaining amount, whether or not the attribute inheritance and the number of inheritance, processing method when left as change, It may include at least one of a region, a country code, and an authentication method.

In addition, the electronic money stores the attribute information in the form of an encrypted file. The electronic money can be restored to its original form from which the attribute information has been removed only when the password is released by the first user 101 or the attribute information can be changed.

The registerer 220 registers the received unique identification information with the attribute information in a database (not shown). To this end, the registerer 220 may create a table in which the unique identification information and the attribute information are matched with each other and store the table in the database.

When the electronic money is used by the second user 103, the management unit 230 may include a second communication terminal 130 of the second user 103 or a third communication terminal associated with the use of the electronic money ( 140, unique identification information of the used electronic money is received.

The management unit 230 retrieves attribute information corresponding to the received unique identification information from the database. The manager 230 restricts the use of the electronic money based on the retrieved attribute information.

In this case, when the use of the electronic money is limited based on the attribute information, the manager 230 may return the balance remaining in the electronic money to the electronic wallet of the first user 101. That is, when the use of the electronic money is limited, the management unit 230 generates a signal related to the use restriction of the electronic money. When the signal is generated, the first user 101 displays the balance remaining in the electronic money. Can be returned to the electronic wallet.

Meanwhile, when the second user 103 makes a payment for a purchased item using the electronic money, the management unit 230 sends the purchased item to the first communication terminal 110 of the first user 101. The payment message may be transmitted to allow the first user 101 to make a payment for the purchased item through a near field communication (NFC) function of the first communication terminal 110.

The controller 240 may control overall operations of the electronic money management server 120, that is, the receiver 210, the registerer 220, and the manager 230.

3 is a flowchart illustrating a method of managing electronic money using attribute information according to an embodiment of the present invention.

1 and 3, in step 310, the electronic money management server 120 receives the attribute information of the electronic money together with the unique identification information of the electronic money. To this end, the electronic money management server 120 provides an input window for inputting the attribute information of the electronic money to the first communication terminal 110 of the first user 101, and through the input window Information can be received.

Next, in operation 320, the electronic money management server 120 registers the received unique identification information and the attribute information in a database in correspondence with each other.

Next, in step 330, the electronic money management server 120 determines whether the electronic money is used by the second user 103.

As a result of the determination, when the electronic money is used (YES direction 330), the electronic money management server 120 at step 340 is the second communication terminal 130 of the second user 103 or Receive unique identification information of the used electronic money from the third communication terminal 140 associated with the use of the electronic money.

On the other hand, if the electronic money is not used ("No" direction 330), the electronic money management server 120 waits until the electronic money is used.

Next, in step 350, the electronic money management server 120 retrieves attribute information corresponding to the received unique identification information from the database.

Next, in step 360 the electronic money management server 120 limits the use of the electronic money based on the retrieved attribute information.

In this case, when the use of the electronic money is limited based on the attribute information, the electronic money management server 120 may return the balance remaining in the electronic money to the electronic wallet of the first user 101.

Hereinafter, an electronic money management system and method using attribute information according to an embodiment of the present invention will be described in more detail.

end. Attribute value (information)

Give an attribute value to electronic money so that it cannot be used anywhere. For example, minors can purchase goods that can only be purchased by those over 20 years old. However, if you give the electronic money the property that cannot be purchased by minors, it will not be able to buy alcohol or tobacco.

I. Attribute value  How to grant

end. online:

On-line, when electronic money is transferred between A and B, a property value is available for the amount of money that is allowed to use in server C, or A's account or A's account, and funds are transferred to the virtual account. For example, after B obtains the accredited certificate or password or A's certificate, it can be used by B. At this time, the authentication of A can be authenticated by using one or more methods such as a text message, a QR code, a face picture, a fingerprint picture, a pupil picture, and voice recognition.

In this case, the use of electronic money by B on his smartphone or PC is actually taking money out of A's account.

offline:

In the offline state, money is transferred between A and B using wireless communication such as NFC, so the attribute value should be assigned to the electronic money itself. As with the file's attribute value, the funding is the same. When issuing a check, the amount of funds to be delivered to B is given to A, as if it is issued in units of 100,000 won or 1 million won. When the electronic money is used, it is discarded after use. You can manage your money as you do. This electronic money file is an encrypted file, and only the created A can decrypt it and restore it. That is, the file attribute value can be removed, changed, or modified.

The cryptocurrency with the cryptocurrency removed comes back into the account and is used like regular electronic money. At this time, the attribute value of the electronic money is used, time, grade, age, available category / unusable category setting, the number of times, due date, recovery method, refund conditions according to the remaining amount%, attribute value inheritance and inheritance number grant, change If you have left, the treatment method (when the change is up to what percentage of the principal is to be treated as a change and how to recover the change or use it like a general currency) It can be delivered to third parties offline, offline authentication method (authentication using text or SNS), and various attribute values such as whether to use OTP.

The electronic money delivered offline from A to B is automatically registered on the server or A account or virtual account derived from A account when A is connected online, and B uses NFC in a restaurant. As soon as the tag is applied, it is connected to the server or virtual account derived from A's account or A's account to check its availability and if A is registered normally (i.e. after A delivers funds offline, As soon as you check-out that you have transferred to B offline while you are connected to B, payment of B becomes normal. At this time, payment notification is sent to both B and A online (text message or SNS). Delivered.

However, B cannot, in principle, use the electronic money if A cannot verify that A has not made an online connection and has transferred the funds to B. However, if A has given an attribute of "Authenticating by Text or SNS" among the attributes of electronic money, it is possible to make a normal payment by inputting a password or authentication number, QR code, etc. delivered by A.

All. Example of using electronic money attribute 1

1. The child received $ 100,000 electronic money from his mother using NFC on his smartphone.

2. The child purchased a reference book and textbook worth 80,000 won using electronic money.

3. When the child tried to pay the comic book for the remaining 20,000 won, the payment was not made and the 20,000 won was returned to the mother's electronic wallet through the Wi-Fi network of the bookstore.

la. Example 2 Use of Electronic Money Attributes

1. 300,000 won was deposited on the welfare card linked to the smartphone from the payday company.

2. Because I have received the school tuition fees and the cost of purchasing books, I cannot use them for meals, snacks, or entertainment expenses other than the above items.

3. Welfare card can be used like a credit card, you can use the NFC of your smartphone, you can also make electronic payments using the Internet.

hemp. Example 3 Use of Electronic Money Attributes

1. A Mo in Busan bought a used laptop from B Mo in Seoul.

2. The deposit of electronic money, which has the characteristics of time and personal goods transactions, will result in the binding of electronic money from the time of deposit to the time agreed by both parties.

3. When Mr. A receives the goods well and confirms that the goods are intact, and then connects to the Internet with his smartphone or PC and performs "approval", the electronic money is approved before the agreed time. It will be transferred to your electronic wallet and payment will be completed.

4. However, if the delivery is delayed or the goods are not received within the agreed time due to the shipping accident, Mr. A handles the shipping accident and Mr. B is reimbursed for the goods by the shipping company. Is returned.

bar. category

In trading electronic money like this, it is possible to induce electronic money so that the money can be used as intended by the giver of the electronic money, and the recipient can use it as originally intended so that transparent and safe payments can be made. do.

The attributes of electronic money can be divided into large / medium / small categories by category, have the property value as desired for each item in the large / medium / small category, and can also give an attribute value of time. The attribute value of this time is returned to the electronic wallet of the giver if it is not used by the time limit.

The nature of electronic money is not generally inherited, and electronic money issued by a government, agency or a specific company may continue to have that property until it is recovered.

Since the nature of electronic money can be bothersome or even more inconvenient, it can be handed out after removing all of the property value if it is used by oneself or generally paid to another person.

In other words, an attribute value of electronic money gives an attribute value only when it has an intended attribute when passing its electronic money to another person, and can be used without any inconvenience.

In addition, the attribute value may be limited to a specific product, a specific company, a specific shopping mall, a specific department store, a specific mart, or the like, or may be given an attribute value limited to a specific region or a specific country.

In addition, you can specify a time zone that can be used as an attribute value. In this case, you can give an attribute for use during the day or an attribute for use only at night to make the intended consumption.

four. Form of payment

A: I wait to buy something at the department store and check it out.

B: The person with real money wants to make A's payment remotely.

A buys goods at a department store in Japan and is waiting to make a payment through NFC on A's smartphone. At this time, A asks B to make payments in various ways such as text messages, SNS, and phone calls.

2. While walking through the street in Seoul, B stops at the convenience store in front of him and places B's smartphone on the NFC payment terminal attached to the card checker. Receiving the encrypted data transmitted by A, B makes a payment through a payment system of a convenience store for NFC of his smartphone.

3. At this time, payment is made in NFC of B's smartphone in real time, and payment is completed in department stores in Japan. As such, A and B can complete real-time payment online via NFC from both remote locations.

4. A can use B to make the same payment as NFC payment not only in department store, but also in front of his PC or through his smartphone's wireless. You can make the same payment using an online payment system in front of your PC.

Embodiments of the present invention include computer readable media including program instructions for performing various computer implemented operations. The computer-readable medium may include program instructions, local data files, local data structures, etc., alone or in combination. The media may be those specially designed and constructed for the present invention or may be those known to those skilled in the computer software. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD-ROMs and DVDs, magneto-optical media such as floppy disks, and ROMs, And hardware devices specifically configured to store and execute the same program instructions. Examples of program instructions include machine language code such as those produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like.

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined not only by the claims below, but also by the equivalents of the claims.

As described above, the present invention has been described by way of limited embodiments and drawings, but the present invention is not limited to the above-described embodiments, which can be variously modified and modified by those skilled in the art to which the present invention pertains. Modifications are possible. Accordingly, the spirit of the present invention should be understood only in accordance with the following claims, and all equivalents or equivalent variations thereof are included in the scope of the present invention.

110: first communication terminal
120: electronic money management server
130: second communication terminal
140: third communication terminal
210:
220: register
230: management
240:

Claims (14)

Provide an input window for inputting the attribute information of the electronic money to the first communication terminal of the first user, and the attribute information input through the input window together with the unique identification information of the electronic money from the first communication terminal Receiving unit for receiving;
A register configured to register the received unique identification information and the attribute information in a database in correspondence with each other; And
When the electronic money is used by a second user, receiving the unique identification information of the used electronic money from the second communication terminal of the second user or a third communication terminal associated with the use of the electronic money, and the database A management unit for retrieving attribute information corresponding to the received unique identification information from the controller, and limiting the use of the electronic money based on the retrieved attribute information
Including,
The electronic money management server
When the use of the electronic money is restricted based on the attribute information, the balance remaining in the electronic money is returned to the electronic wallet of the first user, and the second user pays for the purchased item using the electronic money. In case of, the payment message about the purchased goods is transmitted to the first communication terminal of the first user, the first user through the NFC (Near Field Communication) function of the first communication terminal for the purchased goods Make a payment,
The attribute information is
Usage, time, grade, age, available / disabled category setting, usage count, expiration date, collection method, refund condition of remaining amount, property inheritance and inheritance count, how to handle if left over, area or country code, certification At least one of the methods,
The electronic money
When the attribute information is stored in the form of an encrypted file and the password is released by the first user, the attribute information may be restored to its original form from which the attribute information has been removed or the attribute information may be changed. Withdrawal of the deposited payment amount for a period of time from when the payment was made when the payment was made to
The electronic money management server
When the approval process for the purchased goods is made through the Internet connection of the buyer's smartphone or computer within the time until the predetermined time point, the payment is transferred to the seller's electronic wallet, and the payment is completed, If the purchased goods are not delivered to the buyer within the time until the predetermined time point due to the delivery accident process to send the goods compensation order to the shipping company or return the payment to the electronic wallet of the buyer,
The first communication terminal
And the attribute information can be input through the input window only when accessing the electronic money management system through the member authentication of the first user.
delete delete delete delete delete delete Providing, at the electronic money management server, an input window for inputting attribute information of electronic money to the first communication terminal of the first user;
Receiving, at the electronic money management server, attribute information input through the input window from the first communication terminal together with unique identification information of the electronic money;
Registering, at the electronic money management server, the received unique identification information and the attribute information in a database in correspondence with each other;
In the electronic money management server, when the electronic money is used by a second user, a unique identification of the used electronic money from the second communication terminal of the second user or a third communication terminal associated with the use of the electronic money Receiving information;
Retrieving, from the database, attribute information corresponding to the received unique identification information from the database;
Limiting the use of the electronic money based on the retrieved attribute information in the electronic money management server;
At the electronic money management server, when the use of the electronic money is restricted based on the attribute information, returning the balance remaining in the electronic money to the electronic wallet of the first user; And
In the electronic money management server, when the second user pays for the purchased item using the electronic money, the payment message about the purchased item is transmitted to the first communication terminal of the first user. 1 allowing a user to make a payment for the purchased item through a Near Field Communication (NFC) function of the first communication terminal
Including,
The attribute information is
Usage, time, grade, age, available / disabled category setting, usage count, expiration date, collection method, refund condition of remaining amount, property inheritance and inheritance count, how to handle if left over, area or country code, certification At least one of the methods,
The electronic money
When the attribute information is stored in the form of an encrypted file and the password is released by the first user, the attribute information may be restored to its original form from which the attribute information has been removed or the attribute information may be changed. Withdrawal of the deposited payment amount for a period of time from when the payment was made when the payment was made to
The electronic money management server
When the approval process for the purchased goods is made through the Internet connection of the buyer's smartphone or computer within the time until the predetermined time point, the payment is transferred to the seller's electronic wallet, and the payment is completed, If the purchased goods are not delivered to the buyer within the time until the predetermined time point due to the delivery accident process to send the goods compensation order to the shipping company or return the payment to the electronic wallet of the buyer,
The first communication terminal
And the attribute information can be input through the input window only when accessing the electronic money management system through the member authentication of the first user. delete delete delete delete delete delete

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