KR101922913B1 - Cryptocurrency prepaid card transaction method and system - Google Patents

Cryptocurrency prepaid card transaction method and system Download PDF

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Publication number
KR101922913B1
KR101922913B1 KR1020160028965A KR20160028965A KR101922913B1 KR 101922913 B1 KR101922913 B1 KR 101922913B1 KR 1020160028965 A KR1020160028965 A KR 1020160028965A KR 20160028965 A KR20160028965 A KR 20160028965A KR 101922913 B1 KR101922913 B1 KR 101922913B1
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South Korea
Prior art keywords
digital money
prepaid card
card
amount
transaction server
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KR1020160028965A
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Korean (ko)
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KR20170105829A (en
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이승덕
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(주)모아정보기술
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards

Abstract

One embodiment of the present invention discloses a digital money prepaid card transaction method. The method includes obtaining a digital money prepaid card based on digital money purchased from a digital money exchange through a prepayment by accessing a credit card company web page through a user terminal, The present value of the digital money balance stored in the application card or the card company web page is displayed together with the cash amount based on the previous day's closing price of the digital money exchange of the digital money balance.

Description

TECHNICAL FIELD [0001] The present invention relates to a digital money prepaid card transaction method and system,

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a digital money system, and more particularly, to a system provided for convenient use of digital money in real life.

Recently, digital money (cryptocurrency) using various forms of cryptography has been attracting attention. In addition to bitcoin, which is the first and biggest in 2009, there are litecoin, peercoin and namecoin.

Bitcoin, developed by a writer named Satomi Nakamoto in January 2009, is not a currency used in real life, but a virtual currency used in online transactions. Bitcoin is known to have created an unidentified person named Nakamoto Satoshi in 2008 as a counter - reaction against the monetary policy of monopoly and arbitrary monetary policy by the central banks of each country. The MIT license was released as an open-source version of a computer that offers a bit coin in exchange for a very difficult math problem. Like Linux, which is a computer operating system (OS), bitcoin is also open to programming schematics, so any developer can participate in programming upgrades.

The process of making a bit coin is called 'mining' in the mining industry, and the person who makes a bit coin in this way is called a 'miner', or 'miner'. We started to catch up from 2009, and we have put a lot of bit coins to date. Since we have set a total of 21 million bits of coin to be available by 2145 at the time of initial design, bit coins will be depleted if we keep some bit coins in the future. Non-miners can buy and trade bit coins with money.

Bitcoin is the next famous light coin. In October 2011, Charlie Riga Bitcoin, an employee of the US company in the United States, developed a variant. Unlike the bit coin, where participants are soaring and difficult to dig, the mining efficiency is high.

Peer coin was developed last August by software developer Sunny King inspired by Bitcoin. It is an 'eco-friendly' system that can be mined as the computer energy efficiency increases.

New currencies such as Gridcoin, Fireflycoin and Zeuscoin have been developed in succession. The principle is mostly similar to the bit coin, but the value is determined by slight differences in the mining system or speed.

The Wall Street Journal recently reported that more than 80 virtual currencies have appeared on the market since the Bitcoin craze.

However, there is a lack of efforts to circulate and realize such digital money to purchase goods.

In addition, although the user should be able to easily pay for consuming digital money such as purchasing goods, there is a problem such as registration of accounts and exposure of private information for payment, and personal information is provided for each user of digital money There is a hassle.

Published Japanese Patent Application No. 10-2004-0073779 (Aug. 21, 2004)
Patent Registration No. 10-1591244 (Feb.
Japanese Patent Application Laid-Open No. 10-2015-0135147 (Feb.

SUMMARY OF THE INVENTION It is an object of the present invention to solve the above problems and provide a digital money prepaid card transaction method and system that enables a user to check digital money and a cash amount together to conveniently use digital money in a manner similar to cash .

According to an aspect of the present invention, there is provided a digital money prepaid card transaction method comprising: connecting to a credit card company web page through a user terminal; receiving digital money from a digital money exchange through a lead merchant; Receiving an issuance of a money prepaid card, wherein an application card implemented in a user terminal of the prepaid card, or a cashing-in transaction according to a previous day's closing price of a digital money exchange of a current digital money balance and a digital money exchange in a card company web page Possible amounts may be displayed together.

Wherein the digital money exchange manages real-time currency exchange information for a plurality of currency units of digital money, and the card company server receives advance currency deposit information for the prepaid card from the digital money exchange and the previous day closing price information The digital money balance and the cash amount of the prepaid card can be displayed in real time in a dual display mode.

The transaction according to the prepaid card may be performed by an anonymous transaction at a prepaid card merchant point device or a CD (Cash Dispenser) device.

The transaction according to the prepaid card can be performed through a kiosk.

According to an aspect of the present invention, there is provided a digital money prepaid card transaction system, comprising: a card issuer accessing a card company web page to transmit a digital money advance request to a digital money exchange; a prepaid card transfer And a card issuer server for issuing a digital money prepaid card based on the digital money purchased from the digital money exchange, wherein the application card or the card company web page implemented in the user terminal of the prepaid card The remaining amount of digital money and the amount of cash available according to the previous day's closing price of the digital money exchange of the digital money balance may be displayed together.

According to the digital money prepaid card transaction method and system of the present invention, the user can easily check the balance of the digital money he / she currently owns by using the prepaid card and the cash money amount that can be purchased and made cash using the same, And to reduce the user's efforts to do so.

1 is a view for explaining a prepaid card charging process of a digital money prepaid card system according to an embodiment of the present invention;
FIG. 2 is a conceptual diagram for explaining a real-time exchange market price of a digital money prepaid card,
FIG. 3 is a diagram illustrating a prepaid card using process of a digital money prepaid card system according to an embodiment of the present invention; FIG.
4 is a block diagram schematically illustrating a digital money exchange of a digital money prepaid card system according to an embodiment of the present invention.
5 is a block diagram schematically showing a card issuer server of a digital money prepaid card system according to an embodiment of the present invention;
FIG. 6 is a diagram illustrating a dual display of a balance of a prepaid card in a digital currency unit and a cash unit in accordance with a digital money prepaid card system according to an embodiment of the present invention.

While the invention is susceptible to various modifications and alternative forms, specific embodiments thereof are shown by way of example in the drawings and will herein be described in detail.

It should be understood, however, that the invention is not intended to be limited to the particular embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

The terms first, second, etc. may be used to describe various components, but the components should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, the first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component. And / or < / RTI > includes any combination of a plurality of related listed items or any of a plurality of related listed items.

It is to be understood that when an element is referred to as being "connected" or "connected" to another element, it may be directly connected or connected to the other element, . On the other hand, when an element is referred to as being "directly connected" or "directly connected" to another element, it should be understood that there are no other elements in between.

The terminology used in this application is used only to describe a specific embodiment and is not intended to limit the invention. The singular expressions include plural expressions unless the context clearly dictates otherwise. In the present application, the terms "comprises" or "having" and the like are used to specify that there is a feature, a number, a step, an operation, an element, a component or a combination thereof described in the specification, But do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, or combinations thereof.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. Terms such as those defined in commonly used dictionaries should be interpreted as having a meaning consistent with the meaning in the context of the relevant art and are to be interpreted in an ideal or overly formal sense unless explicitly defined in the present application Do not.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In order to facilitate the understanding of the present invention, the same reference numerals are used for the same constituent elements in the drawings and redundant explanations for the same constituent elements are omitted.

Digital money prepaid card charging

1 is a diagram for explaining a prepaid card charging process of a digital money prepaid card system according to an embodiment of the present invention. 1, a digital money prepaid card system according to an exemplary embodiment of the present invention may include a user terminal 110, a digital money exchange 130, and a card issuer server 140. Here, the digital money exchange 130 is an entity that trades digital money, and has the same meaning as a digital money transaction server. Therefore, in the following, the name of the digital money transaction server and the subject of the execution shall be described.

Referring to FIG. 1, a user terminal 110 is a portable terminal used by a customer. The user terminal 110 is connected to a communication network and can be connected to a credit card company homepage 120. A user uses the digital money purchase and the digital money transfer And so on. The user terminal 110 has a communication function as a digital device including a processor and a memory and may include devices such as a smart phone, a PDA, a personal computer (e.g., a tablet computer, a laptop, etc.), a web pad, and the like.

The user can access the card company homepage provided by the card issuer server 140 through the user terminal 110 to charge the digital money. The transaction system using the digital money prepaid card of the present invention can be used in connection with an affiliate terminal at an affiliated store with a card company, and may have a process of cashing in a deposit or credit using a bank or a credit card company in case of cash withdrawal, . However, since digital money is charged instead of being charged for use by a merchant or cash dispenser, digital money should be converted into cash. At this time, the digital money charged by the customer can be charged or used as cash, calculated as the previous day closing price at the time of charging or use, and the digital money itself is traded in the digital money transaction server 130 affiliated with the card company. Therefore, the user can see the case where the bit coin is traded at the previous day's closing price, and in such a case, the market profit may be generated, so that it is possible to receive consent for the user to bear such portion through the credit card company homepage 120 .

When accessing the card company homepage 120 through a wired and / or wireless network (not shown) through the user terminal 110, the system of the card issuer server 140 . ≪ / RTI > That is, a user connected to the first card company's homepage 120 can join the user through the user terminal 110 and generate a prepaid card of the card company through the identity authentication.

In addition, according to the embodiment of the present invention, membership in a card company can be automatically updated with the digital money transaction server 130 associated with the card company and automatically updated on the exchange. That is, the member information input through the credit card company homepage 120 can be provided to the digital money transaction server 130, which can be recorded in the authentication server 132 interlocked with the digital money transaction server 130.

The user can request the digital money transaction server 130 through the credit card company homepage 120 using the user terminal 110. [ If there is a preliminary request for digital money, it can be notified to the digital money transaction server 130. The user terminal 110 can purchase digital money through the card company homepage 120 anywhere in the world. The digital money purchased from abroad can be registered and traded in the digital money transaction server 130 when it is brought into the domestic market. The reverse is also true. As a result, it is possible to trade with foreign currencies in the form of digital currencies without any additional exchange fees.

The digital money transaction server 130 may include a computing device that trades and / or handles digital money such as bit coins. The digital money transaction server 130 can manage the currency exchange rate of the digital money in real time because the digital money is a kind of virtual money and the transaction type is the same as that of the stock exchange. The digital money transaction server 130 may interwork with the authentication server 132 and the database server 134. [ This may be via TCP / IP communication and / or other wired and wireless networks.

The authentication server 132 may store user authentication information for the digital money transaction server 130. As described above, the user authentication information can be shared with the card issuer server 140. [

The database server 134, in cooperation with the authentication server 134, stores the digital money account information of the specific user, the digital money amount contained in the deposit account, the log of usage logs, the card issuer and / or card identification number associated with the account, Quotes, currency records, and so on.

The digital money transaction server 130 may generate a deposit account for the user of the user terminal 110 in response to the digital money line transaction request to provide the deposit. At this time, since the digital money transaction server 130 manages the currency exchange rate in real time and / or periodically, it can convert the cash into digital money based on the exchange currency at the time of purchase. The digital money transaction server 130 generates a deposit account to the user and deposits the digital money according to the exchange fee when the user purchases the digital money pre-purchased and sold through cash. The information related to this may be stored in the database server 134. Since the digital money transaction server 130 manages digital money exchange transactions and the like from a plurality of user terminals 110, it is possible to manage the exchange money market according to the relationship between demand and supply, Can be reflected. However, since the point of time of cash conversion to digital currency may be different from the point of cash conversion of digital money, a profit margin may arise from the viewpoint of users, and accordingly, have.

According to the embodiment of the present invention, such a digital money account may be issued by a bank in conjunction with a bank account. That is, the deposit account and / or the prepaid card service may be linked with the bank service.

Digital money prepaid card real time currency exchange price

2 is a conceptual diagram for explaining a real-time exchange market price of a digital money prepaid card.

Referring to FIG. 2, the digital money transaction server can manage digital money (bit coin in the present embodiment) in real time and / or periodically and various currency units in various countries. For example, at 9:00 on February 14, a 100-bit coin was 5 million won in Korean won, but it could be 5,133 won in 10. At 9 o'clock, the 100-bit coin is US $ 4,300, but at 10 o'clock it could be US $ 4,325. The currency exchange information of the digital money managed in this manner can be provided to the user terminal and / or the card company server.

However, in the prepaid card transaction system according to the embodiment of the present invention, the digital money transaction server preempts the digital money for cash from the digital money transaction server at a closing price on the day before, When using a card, it is possible to process the use of the card by processing the advance purchase price as prepayment and post-settlement upon completion of the transaction. That is, a user requesting a 100-bit coin to be sold on the 2nd / 15th day may pre-sell the corresponding bit coin to the previous day's closing price of 5,235,427 won. Also, in case of purchasing goods or cashing with the card at a later use point (for example, 2/22 days at 14:00), the bit coin deposited according to the closing price of the previous day (2/21) You can use the money in cash.

According to another embodiment of the present invention, a digital money line for charging a prepaid card can be traded in accordance with a currency exchange rate that varies in real time in a charging flow.

According to one embodiment of the present invention, the user terminal may have a specific application installed for a particular prepaid card. The service provided on the credit card company's homepage can also be provided through the application.

The user terminal can receive exchange ticket information and previous day-end closing information from the digital money transaction server or from the card issuer server in real time and / or periodically via the card company's homepage and / or the application. Accordingly, the user can confirm the cash amount for the digital money to deposit or can always confirm the digital money amount corresponding to the cash amount that he / she holds. Based on this, it is possible to determine the appropriate amount of digital money to be pre-purchased and deposit the money in the digital money transaction server through the credit card company's homepage and / or application.

Referring back to FIG. 1, the user can pre-sell and buy digital money through the user terminal 110, and open a prepaid card based on the digital money. For this purpose, a prepaid card can be opened through the card issuer server 140 by entering the prepaid card opening menu on the card company's homepage 120. [

The user can pre-charge the digital money deposited in advance into the electronic wallet, and transfer the digital money charged in the electronic wallet to the prepaid card at the credit card company home page 120. [ According to the embodiment of the present invention, automatic transfer is possible. That is, at the issuance of the card, not only member interlocking between the digital money exchange transaction server 130 and the card issuer server 140, but also interlocking of the electronic wallet can be made through the system interlocking setting and / or system interlocking setting. Thus, the pre-sale deposit information and / or the personal authentication information associated therewith is provided to the card issuer server 140, and the card issuer server 140 issues an authentication review based on the received information and issues a prepaid card to the user And prepaid cards can be charged with digital money. The prepaid card can be issued by a plastic card, but it can also be issued by an application card (app card) operating in the user terminal 110.

The card issuer server 140 receives digital money deposit information, authentication information, currency exchange price information (for example, previous day-end closing price information at the time of use, etc.) for the individual from the digital money transaction server 130 and provides the user with a prepaid card to be. The card issuer server 140 communicates with the user terminal 110 and the digital money transaction server 130 through the wired and wireless network and provides the card company homepage 120 as a viewer for accessing the user terminal 110.

Use digital money prepaid card

3 is a diagram for explaining a prepaid card using process of the digital money prepaid card system according to an embodiment of the present invention.

3, a user can use an application card or a prepaid card in the user terminal 310 at an affiliate terminal 320 and / or a CD player associated with the card company server 340. At this time, the customer consent and the certification process may be necessary. However, based on the card identification information, transactions may be made under the bearer name without authentication of the person.

The user must use the diezotol currency charged in the card when using the card at the merchant terminal 320 and / or the CD device by converting it into cash. Accordingly, the terminal or the CD device provides the digital money transaction server 330 with the information that the user has used the prepaid card and the cash amount information. In addition, card identification information may be provided. The digital money transaction server 330 can advance the transaction based on the deposit account corresponding to the identification information of the prepaid card. When using the prepaid card, the merchant terminal 320 and / or the CD player may provide the card usage information and the cash amount information to the card issuer server 340 as well.

When the digital money transaction server 330 receives the information on the use of the prepaid card by the user, the digital money transaction server 330 searches for and extracts the previous day-end closing price information of the currency exchange time point at the point of use of the user. Then, the digital money that has been pre-deposited through pre-sale is converted into cash and processed as advance payment. That is, digital money equivalent to the usage amount calculated based on the previous day close price can be deducted from the user's deposit. This can be done after the card transaction approval from the card issuer server 340 is confirmed. The digital money transaction server 330 may provide the card issuer server 340 with the advance payment amount corresponding to the prepayment processing according to the use of the prepaid card together with the previous day's closing price information.

The card issuer server 340 can calculate the cash conversion possible amount based on the amount deposited at present based on the advance payment amount and the previous day closing price information. The card issuer server 340 compares the amount of cash usage with the amount of cash used by the user based on the calculated cashing conversion allowable amount (for example, purchase of goods or cash withdrawal) It can be judged. If the amount of cash used exceeds the cash changeable amount, it is determined that the approval is not possible, and the transaction is not made by transferring the money to the merchant terminal 320 or CD. If the amount is not exceeded, the transaction can be approved. The approval decision result may also be transmitted to the digital money transaction server 330.

At this time, a part of the card fee according to the prepaid card transaction may occur, and the card fee may be a percentage (for example, 2% of the transaction amount) through the cash conversion of the digital money from the digital money transaction server 330 as the full- Etc.).

Configuration of Digital Currency Trading Server

4 is a block diagram schematically illustrating a digital money transaction server of a digital money prepaid card system according to an embodiment of the present invention. 4, the digital money transaction server according to an embodiment of the present invention may include a currency exchange history management unit 410, a user authentication unit 420, a deposit management unit 430, and a communication unit 440 . The respective components may be implemented in one hardware processor and / or functionally divided in a plurality of hardware processors.

The currency exchange time management unit 410 manages currency exchange information that varies according to the manner of a securities transaction based on a currency exchange request from a plurality of user terminals (client devices). This can be done in real time or periodically. In addition, it is possible to provide the user with currency exchange information in real time or periodically so as to enable the user to pre-purchase and sell digital money of a desired amount.

The user authentication unit 420 can process the authentication information of the user received through the communication unit 440. [ User authentication can be done when pre-paid deposits are made for the initial prepaid card or when the card is used.

However, according to another embodiment of the present invention, after the prepaid card is opened, the prepaid card transaction can be performed under the bearer name. Therefore, user authentication is required only when opening a deposit account for the first prepaid card, and then user authentication may not be required. This makes it easier to use digital money like cash.

The deposit management unit 430 can manage the digital money deposit of the user. That is, it manages the deposit linked to the user's account. The deposit management unit 430 may include an account management unit 432 and a cash amount calculation unit 434. [ The account management unit 432 opens an account based on the deposit request from the user, and generates a deposit for the digital money corresponding to the cash received from the user. Then, the user can manage the deposit account associated with the prepaid card opened to each user and the current digital money balance amount. The cash amount calculation unit 434 converts the cash amount requested to be deposited into the corresponding digital money amount based on the real time currency market information or the previous day closing price information from the currency cost management unit 410 or uses the currently pre- Based on the previous day-end closing price information of the point-in-time, to the account management unit 432 or to the outside through the communication unit 440.

The communication unit 440 may include a communication processor and / or an antenna for communicating with a user terminal, an affiliate terminal, a CD device, a credit card company, and the like through a wired / wireless network. The communication unit 440 can receive various information such as user authentication information and deposit request information from the user terminal, and can be informed of the prepaid card usage information from the merchant terminal or the like. That is, reception of information from outside and transmission of information to the outside can be performed through the communication unit 440.

Card issuer server configuration

5 is a block diagram schematically illustrating a card issuer server of a digital money prepaid card system according to an embodiment of the present invention. 5, the card company server according to an embodiment of the present invention includes a digital money deposit information management unit 510, a web page management unit 520, a settlement unit 530, a prepaid card management unit 540, A management unit 550, a currency exchange price information management unit 560, and a communication unit 570. [ The components of the card issuer server may also be implemented in one hardware processor and / or functionally in a plurality of hardware processors.

Referring to FIG. 5, the digital money deposit information management unit 510 receives and manages a deposit account balance associated with a specific prepaid card from a digital money transaction server.

The web page management unit 520 manages the card company homepage and / or the prepaid card web page such as modification and update.

The settlement unit 530 records and manages charge details and usage details related to the prepaid card based on the digital money charge and the cash payment amount of the prepaid card.

The prepaid card management unit 540 can open and charge the digital money prepaid card based on the preprogrammed amount information received from the digital money transaction server. At this time, the amount of the electronic wallet can be automatically charged to the amount of the prepaid card in cooperation with the electronic wallet of the digital money transaction server. This can be changed to user settings.

Also, when the amount of money to be used is notified from the merchant terminal or the CD device, the information on the previous day at the time of use and the digital money deposit amount information currently being pre-purchased are received from the digital money transaction server and the amount of money to be paid and the amount It is possible to determine whether the transaction is approved or not, and notify it to the merchant terminal or the CD unit.

The authentication information management unit 550 can receive and manage the user authentication information from the digital money transaction server when opening the prepaid card, and manage the identification information of the prepaid card associated with each user.

The currency exchange information management unit 560 can receive the currency exchange information from the digital money transaction server in real time or periodically, and in particular, manages the currency exchange information and the previous day closing price information at the charging time or the use point, (510) and the prepaid card management unit (540).

The communication unit 570 may include a communication processor and / or an antenna for communicating with a user terminal, an affiliate terminal, a CD device, a digital money transaction server, and the like through a wired / wireless network. The communication unit 570 can receive authentication information for joining a card company from the user terminal, and receives authentication information related to the deposit account and the prepaid card establishment from the digital money transaction server. In addition, it can receive card charging request, preprogrammed amount information, card usage information, and the like. That is, reception of information from outside and transmission of information to the outside can be performed through the communication unit 570.

Dual display of digital currency and cash balance

FIG. 6 is a diagram illustrating a dual display of a balance of a prepaid card in a digital currency unit and a cash unit in accordance with a digital money prepaid card system according to an embodiment of the present invention.

Referring to FIG. 6, the user terminal may display the digital money balance and its corresponding cash balance as a dual on the digital money prepaid card by accessing the card company's homepage or through a prepaid card application provided by the card company. That is, the card company server can provide the cash balance information calculated based on the digital money balance information and the previous day close price to the user terminal at all times or when there is a request from the user terminal through the card company homepage. In addition, it is possible to display the balance of prepaid card cash by converting into a plurality of denominations required by the user so as to be available both at home and abroad.

According to another embodiment of the present invention, the issuance of the prepaid card can be performed through the kiosk device. The kiosk device can be placed near the merchant terminal, near the CD device, and can be operated as an unmanned issuer for 24 hours. The kiosk can be provided with a desired language according to the user's selection including a plurality of languages. The user can select the prepaid card digital money line purchase menu and display the desired digital money amount in a plurality of national currencies according to the exchange price information (for example, previous day close price information) provided by the digital money transaction server. The user can purchase the prepaid card by pre-selling the digital money of the corresponding amount using cash settlement. Upon completion of payment processing, prepaid cards and receipts may be released and the user may receive the card and utilize it at the merchant or CD machine.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the inventions as defined by the following claims It will be understood that various modifications and changes may be made thereto without departing from the spirit and scope of the invention.

110: user terminal 120: card company homepage
130: Digital money transaction server 132: Authentication server
134: Database server 140: Card issuer server
310: User terminal 320: Merchant terminal
330: Digital money transaction server 332: Authentication server
334: Database server 340: Card issuer server
410: currency exchange market management unit 420: user authentication unit
430: Deposit management unit 432: Account management unit
434: Cash amount calculation part 440: Communication part
510: Digital money deposit information manager
520: Web page management unit 530:
540: prepaid card management unit 550: authentication information management unit
560: Currency exchange price information management unit 570:

Claims (5)

In a digital money prepaid card transaction method,
Receiving a digital money prepaid card through a card issuer server based on digital money purchased from a digital money transaction server through a prepayment by accessing a card company web page through a user terminal,
The digital money balance currently held in the application card implemented in the user terminal of the prepaid card or in the card company web page is displayed together with the cash amount in accordance with the full-day closing price of the digital money transaction server of the digital money balance, Wherein the digital money transaction server receives the advance payment information for the prepaid card and the previous day closing price information according to the currency exchange history of the digital money transaction server in real time or at a specific period to output the digital money balance and the cash amount of the prepaid card in real time dual)
The use of digital money in the prepaid card,
The digital money transaction server may preliminarily use the amount of the digital money to be used at the previous day closing price of the currency exchange transaction server and after the digital money transaction server completes the transaction through the prepaid card, ,
Wherein the digital currency transaction server exchanges digital money between the digital money and the real money in real time or periodically from the opening time to the closing time according to the securities transaction type based on the exchange request from the plurality of user terminals,
The digital money transaction server manages real-time currency exchange information for a plurality of currency units of digital money,
When prepaid card of digital money through the prepaid card is used in a merchant point device or a CD device,
The card identification number of the prepaid card is provided to the digital money transaction server in the prepaid card merchant point device or the CD device,
The digital money transaction server searches and extracts the advance deposit amount information and the previous day closing price information of the digital money at the point of use based on the card identification number, converts the pre-deposited digital money into cash, Processing,
Providing the advance payment amount according to the down payment processing to the card company server together with the previous day close price information,
The card company server compares the cash amount of user's use by the calculated cash amount changeable amount of the digital money based on the received advance payment information and the previous day close price information to determine whether the amount of cash used by the user exceeds the convertible amount, And transmits the digital money to the digital money transaction server,
(i) if the cash use amount exceeds the switchable amount, it is determined that the approval is not possible and the transaction is not made,
(ii) if the cash usage amount does not exceed the convertible amount, the digital money transaction server determines that approval is possible, and the digital money transaction server subtracts the digital money from the user's deposit by the usage amount calculated based on the previous day-end closing price information Wherein the digital money prepaid card transaction method comprises: delete The method according to claim 1,
Wherein the transaction according to the prepaid card is performed by an anonymous transaction at a prepaid card merchant point device or a CD (Cash Dispenser) device. The method according to claim 1,
Wherein the transaction according to the prepaid card is performed through a kiosk. In a digital money prepaid card transaction system,
A user terminal connected to a card company web page to transmit a digital money preprocessing request to a digital money transaction server and to transmit a prepaid card transfer request for digital money pre-purchased by a card company server; And
And a card issuer server for issuing a digital money prepaid card based on the digital money purchased from the digital money transaction server,
A digital money balance currently held in an application card or a card company web page implemented in the user terminal of the prepaid card is displayed together with a cash amount based on the previous day's closing price of the digital money transaction server of the digital money balance,
The card company server receives the advance deposit information for the prepaid card and the previous day closing price information based on the currency exchange transaction of the digital money transaction server from the digital money transaction server at a real time or at a specific period to record the digital money balance and the cash amount of the prepaid card in real time To a dual display,
The use of digital money in the prepaid card,
The digital money transaction server may preliminarily use the amount of the digital money to be used at the previous day closing price of the currency exchange transaction server and after the digital money transaction server completes the transaction through the prepaid card, ,
Wherein the digital currency transaction server exchanges digital money between the digital money and the real money in real time or periodically from the opening time to the closing time according to the securities transaction type based on the exchange request from the plurality of user terminals,
The digital money transaction server manages real-time currency exchange information for a plurality of currency units of digital money,
When prepaid card of digital money through the prepaid card is used in a merchant point device or a CD device,
The card identification number of the prepaid card is provided to the digital money transaction server in the prepaid card merchant point device or the CD device,
The digital money transaction server searches and extracts the advance deposit amount information and the previous day closing price information of the digital money at the point of use based on the card identification number, converts the pre-deposited digital money into cash, Processing,
Providing the advance payment amount according to the down payment processing to the card company server together with the previous day close price information,
The card company server compares the amount of cash used by the user with the converted cash amount of the digital money exceeding the convertible sum amount based on the received advance payment information and the previous day closing price information, And transmits the digital money to the digital money transaction server,
(i) if the cash use amount exceeds the switchable amount, it is determined that the approval is not possible and the transaction is not made,
(ii) if the cash usage amount does not exceed the convertible amount, the digital money transaction server determines that approval is possible, and the digital money transaction server subtracts the digital money from the user's deposit by the usage amount calculated based on the previous day-end closing price information Wherein the digital money prepaid card transaction system comprises:
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