KR20000030727A - Card for money exchange and method for electronic settlement using the same - Google Patents

Abstract

PURPOSE: A financial transaction card having a function of cyber cash and an electronic settlement method thereby are provided to carry out a variety of electronic settlements with one card, by mounting a storage media containing various authentication information and programs to a financial transaction card. CONSTITUTION: A financial transaction card(1) having a function of cyber cash comprises an optical storage media(2) containing credit information for electronic settlement. The front surface of the financial transaction card(1) is embossed with character and number(3) to indicate the serial number of the card and the name of a user. A magnetic tape(4) recording credit information for general card transaction, and a hologram sticker(5) and a sticker for signature(6) to prevent illegal reproduction of the card are attached on the front surface of the financial transaction card(1).

Description

Card for financial transaction with electronic money function and electronic payment method using the same {CARD FOR MONEY EXCHANGE AND METHOD FOR ELECTRONIC SETTLEMENT USING THE SAME}

The present invention relates to a financial transaction card having an electronic money function and an electronic payment method using the same, and more particularly, in a cyber space through a computer communication network in addition to a credit transaction or a bank payment transaction in the existing real life using a single card. The present invention relates to a card for financial transactions having an electronic money function capable of electronic payments such as credit transactions, debit transactions, securities transactions and bank payment transactions, and information authentication and electronic payment methods using the same.

Generally, cards used for financial transactions include credit cards, debit cards, bank payment cards, prepaid cards, and securities cards. Such financial transactions cards generally have a rectangular shape, as shown in FIG. The user's name and the serial number of the card are engraved on a thin plate of a certain material (for example, plastic), and a hologram sticker (HS) is attached to prevent the copying of the card. Magnetic information tapes (MT) and signature stickers (SB) containing information are attached.

The credit card of the above-mentioned financial transaction cards, when the user presents the credit card at the merchant of the credit card, inquires the presented card through a card reader connected to the credit card company online, Credit cards that allow credit transactions to the extent possible and do not exceed the usable amount limit are used for credit transactions, which are credited by credit card companies to card users after a certain period of time.

And, debit card (EFT / POS, eletronic funds transfer at the point of sales), when the user presents the debit card at the merchant of the debit card, the card presented to the financial institution (for example, bank) If the balance is inquired through the card reader connected online and online, and the balance over the transaction amount is left in the financial account connected to the debit card, the amount traded from the financial account is immediately withdrawn to the merchant.

In addition, a debit card is a card used to withdraw cash from a financial account or transfer money through an automatic teller machine, a bank, and recently, a phone banking or a customer computer. Home banking using a network with a communication network is widely used, but it has a disadvantage in that it is difficult to encrypt authentication information such as a password and is vulnerable to security.

A prepaid card is a card that allows a user to freely purchase goods or services from time to time within the balance of the card by receiving a card in which the user pays a certain amount in advance and records the corresponding amount. There are telephone cards, bus cards, and subway tickets.

In addition, the securities card is a card made to verify the authentication information for the cyber trading (cybertradig card) and is mainly in the form of the securities company account number is processed as embossed letters or stored in the magnetic recording tape.

On the other hand, in recent years, as the electronic commerce through the computer and communication network (for example, the Internet, etc.) is activated, the necessity for electronic payment through the computer and communication network is emerging, and research on this is being actively conducted.

Electronic payment systems used in cyberspace such as the Internet include electronic money systems, credit card payment systems, electronic checks, and the like.

The electronic money system converts cash into electronic signals and is mainly used to purchase relatively small products. Electronic money, like cash in the real world, is suitable for small transactions, individual purchases or services, and is used as a means of payment for purchase of very small items or use of information products in electronic commerce.

The credit card payment system is a method of transferring credit card information to a store and using it as a payment method of electronic commerce. This system works in the same way as the existing credit card use. In the transaction, information about the user's name, address, credit card number and expiration date is transferred through the network. However, it is vulnerable to security because personal information is entered or stored on a computer whenever a transaction occurs.

The electronic check system is used for issuing checks on the Internet. The electronic check system can be used only by people who have a credit account in the bank, and unlike the electronic cash system, the electronic check system is a suitable payment method for large transactions. There are many aspects that are difficult to apply in Korea.

Electronic money is a money issuer, such as a bank, that guarantees payment and stores and delivers the value of money as a digital signal using various media connected to the information and communication network. There are two types: IC card type, which stores and uses monetary values on a chip, and network type, which stores and uses values on a PC connected to an information and communication network.

In order to use network type electronic money, when a consumer opens an account and deposits a certain amount in the account, the electronic money is issued as much as the amount deposited, and the electronic money in the form of a file entered with a special code moves to generate a transaction. It is to be paid later.

The IC card type can be divided into a closed loop and an open loop. The closed type is used until the money value stored in the IC card is used up. The existing credit card system can be used for payment. In other words, the value transfer is carried out from issuer to consumer to seller to bank to issuer.

The open type uses the IC card that stores the currency value by using a dedicated terminal or a dedicated device, and has a feature of transferring value between consumers. In other words, value transfer is possible from one consumer's card to another. Therefore, it is anonymity like cash and can be used freely.

On the other hand, the IC card is also called a smart card by having functions of credit card, debit card, and prepaid card, which are used instead of cash, and functions as electronic money, identification card, and medical welfare card. The use of IC cards is active in Europe, mainly for the payment of utility bills and service charges.

In recent years, research has been actively conducted to integrate various existing financial transaction cards for electronic payment into many types of financial transactions and electronic commerce using computer communication. Different information storage media such as chips must be implemented in one card. Traditional credit cards, bank payment cards, and cyber trading cards are made of plastic cards with magnetic recording tapes, while prepaid cards or debit cards are mainly made of IC chips.

In addition, in the case of magnetic recording tape or IC chip, the recording storage requirement is not large, and an automatic connection program should be provided so that anyone can use the electronic commerce easily during e-commerce. However, existing products do not provide such various services. . Therefore, a mass storage medium capable of storing a lot of information must be introduced.

Recently, smart card type using IC chip has been developed. However, this type of card cannot be used in the customer's computing environment. Therefore, a new card reader must be newly attached to the computer for electronic commerce. This is a major obstacle to popular dissemination. Therefore, in order for electronic commerce to become popular, electronic commerce should be possible with only the existing computing environment without the need for a separate peripheral device.

In the case of network-type electronic money, it is necessary to purchase electronic money again using credit cards in cyberspace, which has the disadvantage of double inconvenience and weakness in security during various procedures such as key stroke in the purchase process.

Likewise, payment system using credit card in electronic commerce requires user to input credit card number, credit card company, customer name and password by operating keyboard, which is inconvenient to use and vulnerable to security.

In order to solve this problem, it is necessary to be able to transmit data directly to an information authentication server or an electronic payment server without a keyboard operation.

For secure e-commerce, information about credit information, authentication information, and other electronic money is sent directly to the authentication server or electronic payment server without going through the shopping mall creator, and at the same time, the authentication information sent by the customer and the purchase from the shopping mall creator The electronic payment system must be developed to accurately match the commerce information such as price and related information.

Accordingly, the present invention has been made in view of the above-mentioned points, and by attaching a storage medium containing various authentication information and programs for electronic payment to a card for financial transactions, a general bank cash transaction and credit using a single card It is possible to conduct electronic payments such as direct debit, credit, securities, and bank payment transactions in the cyber space using transaction or computer communication, and make electronic payment more convenient without adding additional equipment to home computer. It is an object of the present invention to provide a financial transaction card having an electronic money function that can be safely performed and an electronic payment method using the same.

1 (a) and (b) is a front and rear view showing a conventional financial transaction card,

Figure 2 (a) and (b) is a front and rear view showing a card for a financial transaction having an electronic money function according to a preferred embodiment of the present invention,

Figure 3 is a schematic diagram showing an embodiment of an electronic payment device that can use the financial transaction card of the present invention shown in FIG.

4 is a schematic control block diagram of FIG. 3;

5 is a flowchart illustrating an electronic payment method using a financial transaction card having an electronic money function according to an embodiment of the present invention;

Figure 6 (a) and (b) is a front and rear view showing a card for a financial transaction having an electronic money function according to another embodiment of the present invention.

<Explanation of symbols for the main parts of the drawings>

1: financial card 2: optical storage media

10: optical reading device 20: control unit

30: communication unit 40: display unit

50: control panel 100: personal computer

200: authentication server 300: electronic payment server

Financial transaction card having an electronic money function according to the present invention for achieving the above object, the financial information that is attached to the magnetic recording tape containing credit information for general card transactions such as credit transactions, cash withdrawal or debit transactions, etc. In the transaction card, authentication information and a program for information authentication and electronic payment through computer communication are recorded on the card, and the authentication information and program are optically readable by a computer.

Electronic payment method using a financial transaction card having an electronic money function according to the present invention for achieving the above object, the financial information recorded in the cyber space through the computer authentication and various authentication information and programs recorded When the transaction card is inserted into the optical reader of the computer, the computer accesses the electronic commerce site through a communication network and performs electronic payment with the data and credit information recorded on the financial transaction card. .

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

2 (a) and 2 (b) is a front and back views showing a financial transaction card having an electronic money function according to a preferred embodiment of the present invention, wherein (a) of FIG. (b) is a rear view.

In Fig. 2, the financial transaction card 1 having the electronic money function according to the present invention is made of a predetermined material (for example, plastic, etc.) that is light and has a high hardness for easy portability. Is the same as a standard financial card.

Here, the card 1 includes an optical storage medium 2 on which credit information for electronic payment is recorded, and on the front thereof, letters and numbers 3 indicating the card serial number and the user's name, etc. Engraved with Embossing.

The optical storage medium 2 includes a compact dick storage medium such as a CD, a CD-ROM, a CD-R, a CD-RW, a digital variable disk ("DVD"), and a magneto-optical device. The present invention can be practiced as long as it is an optically readable medium of any kind developed to date such as a disk (Magneto Optical).

In addition, the front of the card 1 is attached with a magnetic recording tape (4) on which credit information for general card transactions is recorded, and a hologram sticker (5) and a signature sticker (6) to prevent unauthorized copying of the card. have.

On the other hand, since there are no printed contents or attachments on the rear surface of the card 1, the contents recorded on the optical storage medium 2 can be read or recorded by the optical pickup method.

Here, the storage medium 2 has an access program for accessing an authentication server through a computer communication network and an authentication number of a card to be used for debit transactions, credit transactions, securities transactions and bank payment transactions (aka Home Banking) through computer communication. Communication programs that execute pop-up menus for accessing a computer communication network, data stored in the address of an e-commerce site, and copy protection codes for preventing duplication of the recorded contents of the storage medium (2). The authentication number of the card is encrypted by a predetermined encryption algorithm.

On the other hand, Figure 3 is a schematic diagram showing an embodiment of an electronic payment device that can use the financial transaction card of the present invention shown in Figure 2, Figure 4 is a schematic control block diagram of Figure 3, Figure 3 And as can be seen with reference to Figure 4, the electronic payment device that can use the financial transaction card of the present invention, a personal computer 100 having an optical reader 10, a keyboard (KB) and a mouse (M) And an authentication server 200 and a financial transaction server 300 connected to the computer 100 through a predetermined communication network N (for example, the Internet).

As can be seen with reference to FIG. 4, the computer 100 includes an optical reader 10, a control unit 20, a communication unit 30, a display unit 40, and an operation unit 50. 10 reads the data recorded on the storage medium 2 of the card 1 by an optical pickup method, and the control unit 20 stores the card 1 read by the optical reader 10. Communication through the computer communication network N is performed in accordance with the data stored in the medium 2.

Here, the reader 10 may implement the present invention by using any type of optically readable, such as a compact disc drive, a DVD player, or an MO drive, depending on the type of the storage medium 2 included in the card 1. Can be.

The communication unit 30 connects the electronic commerce site, the authentication server 200 and the electronic payment server 300 through the communication network N, and transmits and receives data under the control of the control unit 20.

In addition, the display unit 40 displays a program, an operation state, and the like driven on the computer 100 by a control signal from the control unit 20, and the operation unit 50 includes the keyboard KB and the mouse ( M), and when the user manipulates the keyboard KB and the mouse M, a corresponding operation signal is generated and input to the controller 20.

The authentication server 200 authenticates the card 1 by comparing the authentication number of the card 1 transmitted from the computer 100 through the communication network (N) with the previously stored authentication numbers, and the electronic payment server 300 checks the balance of the corresponding account for the card of the authentication number authenticated through the authentication server 200 and performs the electronic payment.

An electronic commerce method using a financial transaction card having an electronic money function of the present invention configured as described above will be described with reference to FIGS. 2 to 5.

First, when the user inserts the card 1 of the present invention into the optical reader 10 of the personal computer 100 (S10), the contents recorded on the storage medium 2 of the card 1 are read by the optical reader ( The content read and read by 10) is transmitted to the control unit 20 (S20).

At this time, since the communication connection program for accessing the computer communication network among the data stored in the storage medium 2 of the card 1 is an automatic execution file, the control unit 20 of the personal computer 100 has no user operation. In the state, the communication connection program is automatically executed and the communication unit 30 is controlled to connect to the computer communication network N (S30).

The menu of the communication connection program executed as described above is displayed on the display unit 40 under the control of the control unit 20. In this way, while the user views the menu displayed on the display unit 40, the user of the keyboard of the operation unit 50 By inputting a communication network address (e.g., an IP address, etc.) of the e-commerce site by operating the KB) and the mouse M, etc., the e-commerce site can be toured.

As described above, when the user browses the merchandise displayed on the electronic commerce site on the communication by the communication program read from the storage medium 2 of the personal computer 100 and the card 1, the operation unit 50 By operating the keyboard (KB) and the mouse (M) and the like to order the goods you wish to purchase.

As described above, when a user orders a product to be purchased at an e-commerce site, the electronic commerce site requests an electronic payment for an amount corresponding to the product ordered by the user. In this case, the controller 20 of the personal computer 100 is requested. In step S50, the authentication server access program stored in the storage medium 2 of the card 1 is read and executed through the optical reading device 10 (S50).

The computer 100 is connected to the authentication server 200 through the computer communication network (N) by the authentication server connection program executed by the control unit 20 of the personal computer 100, from the personal computer 100 to the card ( The authentication number of the card recorded in the storage medium 2 of 1) is transmitted to the authentication server 200.

The authentication server 200 compares the authentication number of the card transmitted from the personal computer 100 with the registered authentication number and transmits the matching result to the computer 100, the e-commerce site, and the electronic payment server 300. In addition, if the authentication is successful, the connection between the computer 100 and the electronic payment server 300 requesting the authentication.

The control unit 20 of the personal computer 100 determines whether the authentication result of the verification by the authentication server 200 is successful (S60), and if the determination is successful, the card (1) for the electronic payment server 300 Inquires whether or not the balance remaining more than the amount of goods ordered from the e-commerce site in the payment account of the (S70).

The electronic payment server 300 checks the remaining balance of the corresponding account in response to the account inquiry request from the personal computer 100 and transmits the checked result to the personal computer 100 through the computer communication network (N), The control unit 20 of the personal computer 100 determines whether the balance of the account checked through the electronic payment server 300 is greater than or equal to the amount of goods ordered from the e-commerce site (S80).

If it is determined in step S80 that the balance of the ordered product amount remains, the control unit 20 of the personal computer 100 will electronically pay the purchase price of the product to the electronic commerce site. Request to 300, the electronic payment server 300 in accordance with the payment request from the personal computer 100 electronic payment to the corresponding e-commerce site (S90).

At this time, in the case of direct payment, the payment amount is immediately withdrawn from the financial institution to the e-commerce site, whereas in the case of credit payment, the electronic payment is made to the e-commerce site on the predetermined settlement date with the credit card company. Withdrawn.

On the other hand, if the authentication fails in the step S60, an error message indicating that the authentication of the card failed through the display unit 40 of the personal computer 100 is displayed (S100).

In the above-described operation example of the present invention, a case of performing a debit or credit transaction using the financial transaction card of the present invention during electronic commerce through computer communication is described as an example, but the present invention is not limited thereto. The financial transaction card of the invention can be used for bank payment transactions (aka, home banking) or securities transactions through computer communication.

On the other hand, the financial transaction card having an electronic money function according to another embodiment of the present invention is as shown in Figure 6, according to another embodiment of the present invention, the financial transaction card (1) for financial transactions An RF (Radio Freuency) transmit / receive integrated circuit chip (7) and an RF antenna (8) storing data can be embedded, and in this case, a general bank payment transaction and a credit transaction using the financial transaction card (1) of the present invention. In addition to performing electronic payment of direct debit transactions, credit transactions, securities transactions, and bank payment transactions in cyberspace using computer communication or computer communication, it can also function as a prepaid card using RF transmission / reception methods such as buses and subway cards.

As described above, according to the present invention, it is possible to attach a magnetic recording tape storing credit information for bank payment transactions and credit card transactions in general real life to a card for financial transactions, and to store a large amount of data, An optical storage medium that can be read or written by a reader is included, and the recording area of the storage medium includes encrypted authentication information and automatic access program for direct debit and credit transactions and securities and bank payment transactions in cyberspace. Equipped with a variety of information, such as a single card, you can freely use the e-commerce of cyber space using computer communication such as the real life as well as the real life, and more convenient and safe e-commerce without adding additional equipment to the home computer Has the effect of performing .

In addition, according to the present invention, the function of the prepaid card to pay the amount by RF transmission and reception method, such as bus or subway card by embedding the RF transmission and reception integrated circuit chip and antenna embedded in the financial transaction data inside the financial transaction card There is an effect that can serve.

In addition, according to the present invention, the recording medium is distributed to the optical storage medium, magnetic recording tape and RF transmission / reception integrated circuit chip, etc., making it difficult to duplicate and to secure all encrypted customers embedded in the compact disc during electronic payment or credit information authentication Since the authentication information is directly connected to the authentication server or payment server without going through the hands of the mall creator, the security is greatly enhanced.

Claims (9)

In the one side of the financial transaction card with a self-recording tape containing credit information for general credit card transactions such as credit, cash withdrawal or debit transactions, The card records authentication information and a program for information authentication and electronic payment through computer communication, wherein the authentication information and program are optically readable by a computer. The financial transaction card having an electronic money function according to claim 1, wherein the financial transaction card is optically readable by a device that reads a compact disc. The financial transaction card having an electronic money function according to claim 1, wherein the financial transaction card is optically readable by a device that reads a digital barrier disc. 2. The electronic transaction function according to claim 1, wherein the financial transaction card has a server automatic connection program for allowing a user's computer to automatically connect to an authentication server or an electronic payment server through a communication network. Card for financial transactions. The financial transaction card of claim 4, wherein the financial transaction card further includes a communication program for enabling a customer's computer to automatically access a specific electronic commerce site through a communication network. Trading card. 6. The financial transaction card having an electronic money function according to claim 4 or 5, wherein a copy protection code is further stored in the financial transaction card. The financial transaction card having an electronic money function according to claim 1, wherein the financial transaction card further includes an integrated circuit chip and an antenna for wirelessly transmitting and receiving data for financial transactions. In the electronic payment method, a card for financial transactions in which information authentication in cyberspace through computer communication and various authentication information and programs for electronic payment are recorded is inserted into an optical reader of a computer. An electronic payment method using a financial transaction card having an electronic money function, characterized in that the electronic payment is performed by accessing an electronic commerce site and data recorded on the financial transaction card and credit information. The method of claim 8, wherein the electronic payment method, The user inserting the financial transaction card into an optical reading device of a computer; A computer executing a communication connection program to access an e-commerce site through a communication network; When the electronic payment is made in the e-commerce site, the computer reads the authentication number and the server connection program from the card for financial transactions through the optical reading device, and executes it; The electronic payment method using a financial transaction card having an electronic money function characterized in that the computer is connected to the authentication server and the electronic payment server by the executed server connection program to perform authentication and electronic payment of the card. .