KR20010035083A - Method and system for payment using electronic cash in off-line business - Google Patents

Abstract

PURPOSE: A method for processing a paying using an electronic money in off-line and a system thereof are provided to enable a user to purchase a commodity or a service freely by paying a cost for a commodity or a service bought in off-line by using an electronic money stored in a computer system in on-line. CONSTITUTION: A client requests a payment by electronic money and selects a kind of electronic money. An electronic money paying device connects to the corresponding electronic money box server. The electronic money box server requests a providing of data to the electronic money paying device. The electronic money paying device displays a requested data item and requests an input of data. The client inputs the requested data in the electronic money paying device by a keypad. The electronic money paying device transmits the data to the electronic money box server. The electronic money box server certifies a justifying of the client using the transmitted data. If the client is certified as a legitimate person, the offering of paying information is requested to the electronic money paying device. The electronic money paying device transmits money to be paid inputted in a bar code reader and paying information provided from a selling store information database. The electronic money box server extracts the corresponding electronic money through a user's account. The extracted electronic money is transmitted to the electronic money paying device. The electronic money paying device stores the electronic money in a storing device, and issues a receipt.

Description

Method and system for processing payment using electronic money offline {Method and system for payment using electronic cash in off-line business}

The present invention relates to a payment processing method and system using offline electronic money, and more particularly, to the payment of goods or services purchased offline using electronic money payment device without cash in electronic money. It relates to a method and a system that can process payment.

Recently, with the rapid growth of electronic commerce, electronic money is rapidly emerging as a new payment method. If the second monetary revolution began with the emergence of coins and banknotes followed by credit cards, the emergence of electronic money is interpreted as a sign of the opening of the third monetary revolution. Electronic money is becoming a universal means of payment in electronic commerce due to its unique advantage of being able to pay over time-based networks.

Electronic money systems include, for example, the Mondex method proposed by the British Mondex International and the Ecash method proposed in the Netherlands. Other methods have been proposed, but unlike any credit card, electronic money equivalent to cash is prepared first, and the prepared electronic money is stored in an IC card or a computer system for use.

As mentioned above, electronic money, which is becoming a universal means of payment online, will eventually be used as a payment method of offline commerce. Therefore, the current economic activity that mainly uses cash rapidly becomes economic activity that uses electronic money. Will be transferred. Economic activity by electronic money will solve the economic problems caused by the issuance of real money, the inconvenience of users who have to carry cash as it is, and guarantee the safety that the forgery and alteration of money is impossible.

Accordingly, it is time for a lot of effort to make electronic money available offline. The IC card type of electronic money can be used for offline payments in the same way as current prepaid cards because the electronic money of a certain value is pre-built in the card itself and the amount is immediately deducted upon payment. However, there has not been yet been proposed a method and a system for allowing electronic money to be used for offline payment, which is originally stored and stored in a computer system for which electronic commerce is a main purpose.

The present invention was devised to solve the above problems, and introduced an electronic money payment device, which stores the price of goods or services purchased offline in a computer system online without a user holding cash. An object of the present invention is to provide a method and a system capable of processing payment using its own electronic money.

It is still another object of the present invention to provide a method and a system for allowing a user who does not have any payment means such as cash, credit card, IC card, etc. to freely purchase a product or service without trouble.

Other objects and advantages of the invention will be described below and will be appreciated by the practice of the invention. Furthermore, the objects and advantages of the present invention can be realized by means and combinations indicated in the appended claims.

The accompanying drawings, which are incorporated in and constitute a part of the specification, illustrate the presently preferred embodiments of the invention and, together with the description of the following preferred embodiments, serve to explain the principles of the invention.

1 is a diagram showing the configuration of a payment processing system using electronic money offline according to the present invention.

2 is a view showing the appearance of the electronic money payment apparatus according to the present invention.

3 is a view schematically showing the functional configuration of the electronic money payment device according to the present invention.

4 is a flowchart illustrating a process of performing a payment processing method using electronic money offline according to the present invention.

<Description of Main Reference Signs in Drawings>

10: electronic money payment device 20: electronic vault server

30: network

In order to achieve the above object, a payment processing method using offline electronic money according to the present invention includes an electronic money settlement device comprising a user's electronic money settlement device, a plurality of electronic safe servers, and a network connecting them in common. A payment processing system using, (a) the electronic money payment device accessing the electronic safe box server that stores the user's electronic money; (b) the electronic vault server performing authentication to verify the legitimacy of the user; (c) transmitting, by the electronic money settlement device, payment amount information to the electronic safe server; (d) the electronic safe deposit server withdrawing the payment amount from the user's account and transmitting the withdrawn electronic money to the electronic money payment device; And (e) storing the electronic money transmitted by the electronic money settlement device in a storage device therein. It includes.

Preferably, the step (a) comprises the steps of selecting a type of electronic money for the user to use for payment; It further includes. The step (b) may include: (b.1) inputting, by the user, data necessary for authentication to the electronic money settlement device; (b.2) transmitting, by the electronic money settlement device, the input data to the electronic safe server; And (b.3) the electronic vault server performing user authentication using the transmitted data; Characterized in that consists of.

The offline payment processing system using the electronic money of the present invention, the user who purchased the goods or services to pay the purchase price in electronic money, for this purpose electronic safe server access module, payment processing module, electronic safe server location An electronic money payment device including an information DB and a store information DB; An electronic safe server for retrieving a corresponding payment amount from an electronic money account of a user for accessing the electronic money payment device; And a network interconnecting the electronic money settlement device and the electronic safe server. It includes.

Preferably, the electronic money payment device is composed of an electronic money selection button, a touch panel, a bar code reader, a security keypad, a specification table outlet, and includes an electronic money storage device.

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

Prior to this, terms or words used in the present specification and claims should not be construed as being limited to the common or dictionary meanings, and the inventors should properly explain the concept of terms in order to explain their invention in the best way. Based on the principle that can be defined, it should be interpreted as meaning and concept corresponding to the technical idea of the present invention.

Therefore, the embodiments described in the specification and the drawings shown in the drawings are only the most preferred embodiment of the present invention and do not represent all of the technical idea of the present invention, various modifications that can be replaced at the time of the present application It should be understood that there may be equivalents and variations.

1 shows the configuration of a payment processing system using electronic money offline according to the present invention.

The system consists of an electronic money payment device 10 on the user side, a plurality of electronic vault servers 20 and a network 30 interconnecting them.

The electronic money payment device 10 is a device that is located at a place selling goods or services, and allows a customer who purchases goods or services to pay their purchase price in electronic money.

The electronic vault server 20 is a server system for managing an electronic money vault that stores a user's electronic money in an electronic money account. The user accesses his or her electronic money through a network 30 through a predetermined authentication process. We can put in and out freely. That is, the electronic safe server 20 may be regarded as a system of an electronic money issuer, a financial institution, an electronic safe service provider, or the like.

In a typical online electronic money payment, a user purchases an item at a shopping mall, for example, and withdraws the electronic money from his / her account stored in the electronic safe. A feature of the present invention is that a user purchases an item off-line and pays the purchase price in electronic money using the electronic money settlement device 10 described above.

The network 30 interconnects the device 10 and the server 20 in common, and a public switched telephone network (PSTN), a wired internet network, a wireless internet network, and the like may be used.

Here, the device 10 and the server 20 are connected to the network 30 through various devices and methods currently known, such as a modem or a CSU / DSU (Channel Service Unit / Digital Service Unit).

Here, an example of the external configuration of the electronic money payment device described above is shown in FIG. 2, the electronic money payment device 10 includes an electronic money selection button 11 used to select a type of electronic money for the user to use for payment; The touch panel 12, the barcode reader 13, the security keypad 14, and the specification table outlet 15 may be configured.

The electronic money selection button 11 displays one type of electronic money on one button so that the user can easily select the electronic money to use for payment. Preferably, the electronic money selection button 11 is used in consideration of user convenience. As is provided separately outside the body of the device. Of course, the user can select the type of electronic money on the touch panel 12 described later.

The touch panel 16 is used to input information by a user operating a position on a display screen, and is generally provided on a display device composed of a CRT and a display surface, and a portion on which the user presses a finger. The touch panel is configured to detect the position of the operation unit. The display device displays and displays guide information for the user or a plurality of menus or buttons to be selected by the user. The user instructs the position of the displayed menu or button on the touch panel operation unit, and the touch panel operation unit detects the position to determine the instruction content of the user.

The barcode reader 13 is generally used in a point of sale (POS) system, and is used to automatically input information such as a price of a corresponding product by reading a barcode attached to the product. The multiple commodity prices read from the barcode reader 15 will be summed up via an operator (not shown) in the device 10.

The security keypad 14 is used to secretly enter the data required for the user to authenticate the user's electronic money account so that others cannot see it. It is connected to the body via a line to enable it.

The specification table discharge port 15 is a portion where the specification table printing the processing details is discharged at the time point at which the payment processing is completed, and is connected to a printer (not shown) in the apparatus 10. Here, the contents printed in the specification may include a payment date, a store name, a handle name, a payment amount, a payment history, a user payment account, and the like.

Although not shown, the electronic money settlement device 10 may further include a voice guide device for guiding a user with a keyboard and a voice as an input device.

In addition, an electronic money storage device (not shown) is provided inside the electronic money payment device 10. The electronic money storage device is constituted by a memory such as a RAM, and the electronic money is stored in the RAM and simultaneously stored in a memory pack. The memory pack is separated later so that the electronic money stored in a settlement institution such as a bank can be converted into cash.

3 is a view schematically showing the functional configuration of the electronic money payment apparatus according to the present invention.

The electronic money payment device 10 is composed of an electronic vault server access module 10a, a payment processing module 10b, an electronic vault server location information database (DataBase: DB) 10c, and a store information DB 10d.

The electronic vault server access module 10a, when the user selects the type of electronic money to be used for payment using the electronic money selection button 12 or the touch panel 16 of FIG. 2, the electronic safe server of the selected electronic money. A program that executes a process routine for executing a connection to 20, which is linked with the electronic safe server location information DB 10d for this purpose. Therefore, the electronic vault server location information DB 10d has a data structure in which the electronic money name and the electronic vault server location information are matched 1: 1.

The payment processing module 10b is a program that performs payment processing through mutual data communication with the electronic safe box server 20 while connected to the electronic safe box server 20.

The store information DB 10d stores the information of the store where the electronic money settlement device 10 is installed, that is, the name of each other, contact information, and the like, and online location information of the electronic money settlement device 10.

4 is a flowchart illustrating a process of performing a payment processing method using electronic money offline according to the present invention.

When the electronic money payment device 10 introduced in the present invention prompts the user to input or manipulate specific information, the electronic money settlement device 10 displays guide information or several menus or buttons to be selected on the touch panel 12. In the following description, when the guidance information or menu displayed when the device asks the user for an arbitrary operation is clear, the guidance information or menu is not explained, and only the operation of the user executed after the display may be described. Reveal

The touch panel 12 guides the user's operation using one or several of the conventionally known methods. For example, the instruction contents are displayed on the touch panel, the menu displayed on the touch panel or a display of a portion on the screen related thereto is flickered, or the instruction contents are notified to the user by voice.

As described above, a user who has his or her electronic money account in an electronic safe on-line can purchase various goods and services even if there is no payment means such as cash held in various stores.

In this case, it is assumed that a user buys a product at a store and takes a purchased product to a counter operator for payment. In the counter, the electronic money settlement device 10 introduced in the present invention is located, and the operator uses the barcode reader 15 attached to the device to read the barcode attached to the product as in a normal transaction. The selling price of is inputted and the sum is calculated. Of course, the agent can directly input the sales price using the touch panel 12 or the like.

The user (customer) requests payment in electronic money, not cash, and the customer selects the type of electronic money to be used for payment in the electronic money settlement device 10 (step S100). Of course, the agent may ask the customer what kind of electronic money to use for payment, so he or she may select the type of electronic money.

In response to the selection, the electronic money settlement device 10 connects to the corresponding electronic safe box server 20 of the selected electronic money (step S102).

Next, the electronic safe box server 20 requests the electronic money settlement device 10 to provide data necessary for user authentication (step S104).

In response to this, the electronic money settlement device 10 displays the requested data item and requests the customer to input data (step S106). A unique number is used as the authentication data, and another account number and a password may be used together. Preferably, the authentication data should be adopted as easily stored by the customer and not easily stolen by others. As such, in addition to a user authentication method using a personal identification number (PIN), a fingerprint, a iris authentication method, etc. using biological characteristics may be employed in the implementation of the present invention. For example, in the case of using a fingerprint, the electronic money settlement device 10 is provided with a transparent button pressed by the customer, and the fingerprint of the customer stamped on the transparent button is recorded by an optical system including a video camera. The information is transmitted to the credit card company and compared with the registered fingerprint information so that user authentication is performed.

Subsequently, the customer inputs the authentication data required for the electronic money payment device 10 using the keypad 13 (step S108), and the electronic money payment device 10 sends this data to the electronic safe server 20. Transmit (step S110). Preferably, the authentication data should be input directly by the customer, not the handler, and care should be taken not to expose the data to others.

The electronic vault server 20 performs authentication to verify the legitimacy of the user using the transmitted data (step S112). If the authentication result is not a legitimate user, the electronic vault server 20 requests data for authentication. If the user is authenticated as a legitimate user, the electronic money settlement device 10 is requested to provide the payment information including the payment amount (step S116).

On the other hand, the electronic money settlement apparatus 10 transmits the settlement information composed of the settlement amount previously inputted by the barcode reader 14 or the like and the store information provided from the store information DB 10d in itself to the electronic safe server. (Step S118).

The electronic safe server 20 withdraws the electronic money corresponding to the payment amount from the user's account according to the transmitted payment information (step S120), and transmits the withdrawn electronic money to the electronic money payment device 10 (step S122). ).

Next, the electronic money settlement device 10 stores and stores the transmitted electronic money in its own storage device (step S124), displays a display indicating that the payment processing is completed, and displays a specification table which is a kind of receipt that prints the details of the payment processing. It discharges (step S126). The released specification sheet will be received by the customer.

Thus, the payment processing process using the electronic money is completed offline. The electronic money stored in the storage device in the electronic money payment device 10 will be held and then exchanged for cash.

As mentioned above, although this invention was demonstrated by the limited embodiment and drawing, this invention is not limited by this, The person of ordinary skill in the art to which this invention belongs, Of course, various modifications and variations are possible within the scope of equivalent claims.

According to the payment processing method and system using offline electronic money of the present invention, it is possible to process the payment of goods or services purchased offline in electronic money, so that users who do not have cash can freely purchase them. You can do it.

And because electronic money is used for payment, unlike cash, no change occurs, so the store does not need to prepare change in advance, and there is no mistake in giving and receiving change. It is also possible to carry out more convenient trading.

Furthermore, the present invention can give a great benefit to the management of money at the national level, such as eliminating the economic problems of issuance costs and the possibility of forgery / falsification of the conventional economic activity of real money.

Claims (6)

In the payment processing system using the electronic money offline composed of the electronic money payment device of the user side, a plurality of electronic safe box server and a network connecting them in common, (a) connecting the electronic money settlement device to the electronic safe server where the user's electronic money is stored; (b) the electronic vault server performing authentication to verify the legitimacy of the user; (c) transmitting, by the electronic money settlement device, payment amount information to the electronic safe server; (d) the electronic safe deposit server withdrawing the payment amount from the user's account and transmitting the withdrawn electronic money to the electronic money payment device; And (e) storing the electronic money transmitted by the electronic money settlement device in a storage device in itself; Payment method using electronic money offline including The method of claim 1, The step (a) may include: selecting a type of electronic money by the user for payment; Payment processing method using an electronic money offline, characterized in that it further comprises The method according to claim 1 or 2, Step (b) is, (b.1) inputting, by the user, data necessary for authentication to the electronic money settlement device; (b.2) transmitting, by the electronic money settlement device, the input data to the electronic safe server; And (b.3) the electronic vault server performing user authentication using the transmitted data; Payment processing method using an electronic money offline, characterized in that consisting of An electronic money payment device for allowing a user who purchases goods or services to pay the purchase price in electronic money, and for this purpose, an electronic safe server connection module, a payment processing module, an electronic safe server location information DB, and a retailer information DB; An electronic safe server for retrieving a corresponding payment amount from an electronic money account of a user for accessing the electronic money payment device; And A network for mutually connecting the electronic money settlement device and the electronic safe box server; Payment processing system using electronic money offline including The method of claim 4, wherein The electronic money payment device is an electronic money selection button, a touch panel, a barcode reader, a security keypad, a payment processing system using an electronic money offline, characterized in that consisting of the specification table outlet. The method according to claim 4 or 5, The electronic money payment device is equipped with an electronic money storage device, characterized in that the payment processing system using the electronic money offline.