KR20020083317A - Method of charging client'smart card using electronic purse - Google Patents

Method of charging client'smart card using electronic purse Download PDF

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Publication number
KR20020083317A
KR20020083317A KR1020010022824A KR20010022824A KR20020083317A KR 20020083317 A KR20020083317 A KR 20020083317A KR 1020010022824 A KR1020010022824 A KR 1020010022824A KR 20010022824 A KR20010022824 A KR 20010022824A KR 20020083317 A KR20020083317 A KR 20020083317A
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South Korea
Prior art keywords
operator
electronic wallet
customer card
charging
card
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KR1020010022824A
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Korean (ko)
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현운혁
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주식회사 케이디이컴
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Priority to KR1020010022824A priority Critical patent/KR20020083317A/en
Priority to CN01124237A priority patent/CN1383100A/en
Publication of KR20020083317A publication Critical patent/KR20020083317A/en

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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
    • G06Q20/22—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
    • G06Q20/349—Rechargeable cards

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

PURPOSE: A method for charging a client card using an electronic wallet is provided to construct a stable security system although a charging device or an electronic wallet are lost together by charging a client card using the electronic wallet and checking a security state of the charging device or the electronic wallet at a power-on state. CONSTITUTION: In a method for charging an amount of money in a client card using an operator electronic wallet for storing an amount of money transferred through a calculating center connected to a bank computing network, it is authenticated whether the operator electronic wallet is a registered in the calculating center(S102). It is checked whether the operator is a designated operator of the operator electronic wallet by receiving a personal identification code set in a registration process from the operator(S105). If the operator is confirmed, a wanted charging amount of money is charged in the client card from the operator electronic wallet(S109,S113).

Description

전자지갑을 이용한 고객카드 충전방법 { Method of charging client'smart card using electronic purse }How to charge customer card using electronic wallet {Method of charging client'smart card using electronic purse}

본 발명은 고객카드 충전방법에 관한 것으로, 매 전원 온동작시 전자지갑과 정산센터간에 인증이 완료된 경우에만 충전장치가 동작가능하며, 운영자의 전자지갑 내 기록된 개인식별정보를 입력받아 일치하는 경우만 전자지갑이 동작되도록 구성하여 운영자가 충전장치, 전자지갑(Electronic Purse) 또는 이 둘을 함께 분실하는 경우에도 안정적인 보안시스템을 구축할 수 있도록 하기 위한 전자지갑을 이용한 고객카드 충전방법에 관한 것이다.The present invention relates to a method of charging a customer card, the charging device is operable only when the authentication is completed between the electronic wallet and the settlement center at every power-on operation, when the personal identification information recorded in the operator's electronic wallet is input and matched Only the electronic wallet is configured to operate to operate the customer card charging method, the electronic wallet (Electronic Purse) or even if they both together to relieve the customer card charging method using the electronic wallet to build a stable security system.

일반적으로, 전자지갑(Electronic Purse)은 서비스의 종류별로 카드를 휴대해야 되고 서비스에 맞는 카드시스템을 준비해야 하는 자기카드(Magnetic Card)의 불편성을 극복하기 위해 개발된 스마트카드(Smart Card)로 이루어져 있으며, 금액정보를 저장하는 기능뿐만 아니라 자료처리 및 암호처리 등의 기능까지도 갖추고 있다.In general, an electronic purse is a smart card developed to overcome the inconvenience of a magnetic card that requires carrying a card for each type of service and preparing a card system suitable for the service. It is equipped with functions such as data processing and encryption processing as well as the function of storing the amount information.

종래에는 소규모 상거래 사업장 또는 카드 충전소에 설치되어 직불카드, 교통카드 등을 충전하는 고객카드 충전장치를 운영하는 운영자가 지정된 은행에 계좌를 개설한 후 그 계좌에 충전에 필요한 충분한 금액을 먼저 저축한다. 운영자자는 충전장치를 통해 은행전산망과 연결된 정산센터에 접속하여 저축된 금액 중 원하는 충전금액을 운영자의 전자지갑에 이체한다. 고객이 충전을 원하는 경우, 운영자는 전자지갑을 통해 고객이 원하는 충전금액을 고객카드에 충전시킨다.In the related art, an operator operating a customer card recharging device installed at a small commerce establishment or a card recharging station to charge a debit card, a transportation card, etc., opens an account at a designated bank, and then first stores a sufficient amount for recharging the account. The operator accesses the settlement center connected with the bank computer network through the charging device and transfers the desired amount of the stored money to the operator's electronic wallet. If the customer wants to recharge, the operator charges the customer card with the desired amount of charge through the electronic wallet.

그러나, 이러한 방식은 전자지갑 또는 충전장치를 도난 또는 분실하는 경우, 타인에 의해 불법적인 충전이 이루어질 수 문제점이 있다.However, this method has a problem that illegal charging may be performed by another person when the electronic wallet or the charging device is stolen or lost.

본 발명은 전술한 문제점을 해결하기 위한 것으로, 본 발명의 목적은 전자지갑을 이용하여 고객의 카드를 충전할 수 있을 뿐만 아니라, 매 전원 온 동작시 충전장치가 소정의 보안동작에 의해 충전장치 및 전자지갑의 보안상태를 확인할 수 있도록 구성하여 충전장치, 전자지갑 또는 이 둘을 함께 분실하는 경우에도 안정적인 보안시스템을 구축하도록 하는 데 있다.The present invention is to solve the above-described problems, the object of the present invention is not only to charge the card of the customer by using the electronic wallet, the charging device and the charging device by a predetermined security operation at every power-on operation It is configured to check the security status of the electronic wallet to build a stable security system even if the charging device, electronic wallet, or both together lost.

도 1은 본 발명에 따른 전자지갑을 이용한 고객카드 충전장치에 대한 블록도이다.1 is a block diagram of an apparatus for charging a customer card using an electronic wallet according to the present invention.

도 2는 본 발명에 따른 전자지갑을 이용한 고객카드 충전장치의 제어방법에 대한 흐름도이다.2 is a flowchart illustrating a control method of a customer card charging device using an electronic wallet according to the present invention.

*도면의 주요 기능에 대한 부호의 설명** Description of the symbols for the main functions of the drawings *

100 : 입력수단101 : 표시수단100: input means 101: display means

102 : 운영자 전자지갑103 : 제 1카드리더기102: operator electronic wallet 103: the first card reader

104 : 고객카드105 : 제 2카드리더기104: customer card 105: second card reader

106 : 제 1저장수단107 : 제 2저장수단106: first storage means 107: second storage means

108 : 네트워크109 : 정산센터108: network 109: settlement center

110 : 통신수단111 : 제어수단110: communication means 111: control means

전술한 목적을 달성하기 위한 본 발명은 은행 전산망과 연결된 정산센터를 통해 이체된 금액을 저장하기 위한 운영자 전자지갑을 이용하여 고객의 카드에 금액을 충전하는 방법에 있어서, 상기 운영자 전자지갑이 상기 정산센터에 등록된 운영자 전자지갑인지를 인증받는 단계, 운영자로부터 등록시 설정된 개인식별코드를 입력받아 상기 운영자가 상기 운영자 전자지갑의 지정된 운영자인지를 확인하는 단계 및 상기 확인결과 확인된 운영자인 경우, 운영자 전자지갑에서 희망하는 충전금액을 고객카드로 충전하는 단계를 포함하는 것을 특징으로 한다.The present invention for achieving the above object is a method for charging the amount of money in the customer's card using the operator's electronic wallet for storing the amount transferred through the settlement center connected to the bank computer network, the operator's electronic wallet is the settlement Authenticating whether the operator is an electronic wallet registered in the center, receiving a personal identification code set at the time of registration from the operator to confirm whether the operator is a designated operator of the electronic wallet, and in the case of the confirmed operator, Charging the desired amount of money in the wallet with a customer card characterized in that it comprises a.

본 발명의 실시예에서의 전자지갑은 마이크로프로세서, 카드운영체제, 보안 모듈, 메모리 등을 갖춤으로써 특정 업무를 처리할 수 있는 능력을 가진 집적회로 칩(Integrated Circuit Chip)을 내장한 신용카드 크기의 플라스틱 카드인 스마트카드가 사용된 것을 보이고 있다.The electronic wallet in the embodiment of the present invention has a microprocessor, a card operating system, a security module, a memory, and the like, and a credit card sized plastic having an integrated circuit chip having an ability to handle a specific task. It shows that a smart card is used.

이하에서는 본 발명의 바람직한 실시예를 본 도면을 참조하여 상세하게 설명하도록 한다.Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the drawings.

도 1은 본 발명에 따른 운영자 전자지갑을 이용한 고객카드 충전장치에 대한 블록도이다. 도 1에 도시된바와 같이, 본 발명은 운영자가 충전비용에 관한 데이타를 입력하기 위한 입력수단(100), 충전안내 및 충전상황을 표시하기 위한 표시수단(101), 운영자 전자지갑(102)을 읽기 위한 제 1카드리더기(103), 고객카드(104) 내의 데이타를 읽고 쓰기 위한 제 2카드리더기(105), 충전장치의 프로그램이 저장된 제 1저장수단(106), 충전거래가 완료되면 생성되는 거래 내역을 저장하기 위한 제 2저장수단(107), 소정의 통신방식에 따라 네트워크(108)상의 정산센터(109)로 거래 데이터를 송신하며, 운영자 전자지갑(102)과 정산센터(109)간에 인증이 이루어지도록 인증정보를 송수신하기 위한 통신수단(110) 및 각각의 구성요소들을 제어하는 제어수단(111)을 포함하여 구성되어 있다.1 is a block diagram of an apparatus for charging a customer card using an operator electronic wallet according to the present invention. As shown in FIG. 1, the present invention provides an input means 100 for the operator to input data relating to the charging cost, a display means 101 for displaying the charging guide and the charging status, and an operator electronic wallet 102. The first card reader 103 for reading, the second card reader 105 for reading and writing data in the customer card 104, the first storage means 106 in which the program of the charging device is stored, and the transaction generated when the charging transaction is completed. Second storage means 107 for storing the details, the transaction data is transmitted to the settlement center 109 on the network 108 in accordance with a predetermined communication method, authentication between the operator electronic wallet 102 and the settlement center 109 It comprises a communication means 110 for transmitting and receiving authentication information and the control means 111 for controlling each component to achieve this.

운영자 전자지갑(102)은 운영자의 예금을 저장 및 처리할 수 있도록 정보저장, 자료처리 및 암호처리 등의 기능을 구비한 스마트카드이며, 구입시 등록된 고유코드와 사용자의 개인식별코드가 저장되어 있다.The operator electronic wallet 102 is a smart card with functions such as information storage, data processing, and encryption processing to store and process the operator's deposit, and the unique code registered at the time of purchase and the user's personal identification code are stored. have.

고객카드(104)는 고객이 교통요금 및 소규모상거래에서 사용하기 쉽도록 정보처리 기능에 필요한 연산소자와 기억소자는 접촉식 카드와 동일하지만 카드내의 칩을 구동하기 위한 전원공급이 카드 내의 코일의 전자결합을 통해 이루어지고 인터페이스 장치와의 통신을 위해 전자유도 방식을 이용하는 형태의 비접촉식 아이씨카드 또는 접촉방식과 비접촉방식이 혼합된 콤비(Combi) 스마트카드이다.The customer card 104 is a computing device and memory device required for the information processing function to facilitate the customer to use in transportation fare and small commerce is the same as the contact card, but the power supply for driving the chip in the card is the electronic of the coil in the card It is a contactless IC card in the form of a combination and using an electromagnetic induction method for communication with an interface device, or a Combi smart card which is a mixture of contact and contactless methods.

제 2저장수단(107)은 고속, 고집적 구현이 가능하고 비휘발성이며 내구성이좋은 플래쉬 메모리이며, 거래 관련 데이터가 저장된다. 또한, 제 1저장수단(106)은 ROM(Read Only Memory)과 같은 형태이며, 통신수단(110)은 전화선을 통해 데이터를 송수신하는 모뎀이다.The second storage means 107 is a flash memory capable of high speed, high integration, nonvolatile and durable, and stores transaction related data. In addition, the first storage means 106 is in the form of a ROM (Read Only Memory), the communication means 110 is a modem for transmitting and receiving data over a telephone line.

도 2의 본 발명에 따른 전자지갑을 이용한 고객카드 충전방법에 대한 흐름도이다. 도 2에 도시된바와 같이, 전원이 공급되면, 제어수단(111)은 제 1저장수단(106)에 저장된 프로그램에 따라 모드를 초기화한 후 운영자 전자지갑(102)의 정보내용을 판독한다(S100). 제어수단(111)은 운영자 전자지갑(102)과 운영자에 의해 미리 소정의 금액이 예치된 지정은행전산망과 연결된 정산센터(109)간에 소정의 인증절차를 수행할 수 있도록 통신수단(110)을 통해 정산센터(109)에 접속한다(S101). 이때, 제어수단(111)은 모뎀을 통해 운영자 전자지갑(102)의 고유코드를 정산센터(109)에 전송하고, 정산센터(109)로부터 등록된 운영자 전자지갑(102)이라고 확인하는 인증확인정보의 수신여부에 따라 인증여부를 확인한다(S102). 만약, 인증확인정보가 수신되지 않으면, 제어수단(111)은 상기 고유코드를 전송하며 인증확인정보의 수신여부를 확인하는 인증절차의 횟수를 카운트하여 소정횟수 이상인지를 판단한다(S103). 만약, 소정횟수를 넘지 않았으면 제어수단(111)은 다시 고유코드를 전송하고, 소정횟수이상 인증에 실패하면, 제어수단(111)은 스스로 충전장치를 잠김 모드상태로 전환하여 충전기능을 수행하지 않으며, 다음에 전원을 다시 켜도 동작되지 않는다(S104). 이러한 잠김모드는 서비스 센터에서만 해결할 수 있으며, 본 충전장치가 도난 또는 분실되는 경우 운영자 전자지갑(102)이 없으면 충전을 수행할 수 없도록 하기 위한 목적이다.2 is a flowchart illustrating a method of charging a customer card using an electronic wallet according to the present invention. As shown in FIG. 2, when the power is supplied, the control means 111 reads the information content of the operator electronic wallet 102 after initializing the mode according to the program stored in the first storage means 106 (S100). ). The control means 111 communicates with the operator electronic wallet 102 through the communication means 110 to perform a predetermined authentication procedure between the settlement center 109 connected to the designated bank computer network in which a predetermined amount of money is deposited by the operator. It connects to the settlement center 109 (S101). At this time, the control means 111 transmits the unique code of the operator electronic wallet 102 to the settlement center 109 through a modem, and confirms the authentication electronic information 102 to be registered as the operator electronic wallet 102 from the settlement center 109. The authentication is confirmed according to whether the reception (S102). If the authentication confirmation information is not received, the control means 111 transmits the unique code and counts the number of authentication procedures for confirming whether the authentication confirmation information has been received (S103). If it does not exceed the predetermined number of times, the control means 111 transmits the unique code again, and if the authentication fails more than the predetermined number of times, the control means 111 does not perform the charging function by switching the charging device to the locked mode state by itself. And, even if the power is turned on again next time (S104). This locked mode can be solved only in the service center, the purpose is to not be able to perform charging without the operator electronic wallet 102 when the present charging device is stolen or lost.

소정의 인증절차에 따라 운영자 전자지갑(102)과 정산센터(109)간에 인증이 이루어지면, 도난 및 분실에 대해 안전하도록 운영자 전자지갑(102)의 지정된 운영자인지를 확인하기 위해 제어수단(111)은 운영자로부터 계약 체결시 미리 설정된 개인식별코드(Personal Identification Number)를 입력받고, 이를 운영자 전자지갑(102)에 기록된 식별코드와 비교하여 지정된 운영자인지를 확인한다(S105). 만약, 비교결과 식별코드가 틀리게 되면, 제어수단(111)은 개인식별코드의 재입력횟수를 카운트하여 소정 횟수 이상인지를 판단한다(S106). 만약, 소정횟수를 넘지 않았으면, 제어수단(111)은 다시 개인식별코드를 입력을 요구하고, 소정횟수이상 운영자 확인에 실패되면, 제어수단(111)은 운영자 전자지갑(102)과 충전장치를 함께 잠김 모드상태로 전환하여 다음에 전원을 다시 켜도 동작되지 않도록 한다(S104).When authentication is made between the operator electronic wallet 102 and the settlement center 109 according to a predetermined authentication procedure, the control means 111 to confirm whether the operator is a designated operator of the operator electronic wallet 102 to be safe from theft and loss. The user receives a preset personal identification number (Personal Identification Number) at the time of conclusion of the contract from the operator, and compares it with the identification code recorded in the operator electronic wallet 102 to determine whether the designated operator (S105). If, as a result of the comparison, the identification code is wrong, the control means 111 counts the number of times of re-entry of the personal identification code to determine whether or not the predetermined number or more (S106). If the number of times does not exceed a predetermined number of times, the control means 111 requests an input of a personal identification code again, and if the operator check fails for a predetermined number of times, the control means 111 controls the operator electronic wallet 102 and the charging device. By switching to the locked mode together, the next time the power is turned on again, it is not operated (S104).

운영자임이 확인되면, 제어수단(111)은 운영자 전자지갑(102)을 이용하여 정산센터(109)와 연결되지 않은 오프라인상태에서도 고객카드(104)를 충전할 수 있도록 정상 충전모드로 전환한다(S107).If it is confirmed that the operator, the control means 111 switches to the normal charging mode so that the customer card 104 can be charged even in the offline state not connected to the settlement center 109 using the operator electronic wallet 102 (S107). ).

운영자는 고객카드(104)를 충전하기 위해 고객에게 카드를 수취한 후, 제 2카드리더기(105)에 고객카드(104)를 입력하면, 제어수단(111)은 제 2카드리더기(105)에 입력된 고유코드와 미리 저장된 고유코드를 비교하여 고객카드(104)를 인식한다(S108). 고객카드(104)가 인식되면, 제어수단(111)은 제 2카드리더기(105)를 통해 고객카드(104)의 정보내용을 판독하여 고객카드(104)내의 잔액을 표시함과 함께 운영자로 하여금 고객카드(104)에 충전할 희망충전 금액을입력하도록 요구한다(S109).After the operator receives the card to the customer to charge the customer card 104, the operator inputs the customer card 104 into the second card reader 105, and the control means 111 enters into the second card reader 105. The customer card 104 is recognized by comparing the inputted unique code with a pre-stored unique code (S108). When the customer card 104 is recognized, the control means 111 reads the information contents of the customer card 104 through the second card reader 105 to display the balance in the customer card 104 and causes the operator to display the remaining amount. It is required to input the desired charge amount to be charged to the customer card 104 (S109).

운영자에 의해 희망충전 금액이 입력되면(S110), 제어수단(111)은 먼저 운영자 전자지갑(102)내의 금액에서 그 입력된 희망충전 금액만큼을 감액하도록 요구하고(S111), 감액요구에 따라 운영자 전자지갑(102)에서 감액 후 전송되는 충전을 허가하는 충전승인정보를 수신한다(S112). 제어수단(111)은 수신된 충전승인정보에 기초하여 고객카드(104)를 충전한다(S113). 이때, 제어수단(111)은 고객카드(104)의 잔액에 운영자에 의해 입력된 충전금액을 가산하여 제 2카드리더기(105)로 전송함으로써 제 2카드리더기(105)는 합산된 총금액을 고객카드(104) 내의 총금액으로 갱신한다.When the desired charge amount is input by the operator (S110), the control means 111 first requests to reduce the input desired charge amount from the amount in the operator electronic wallet 102 (S111), and according to the reduction request The electronic wallet 102 receives the charge approval information for allowing the charge transmitted after the reduction (S112). The control means 111 charges the customer card 104 on the basis of the received charge approval information (S113). At this time, the control means 111 adds the charge amount input by the operator to the balance of the customer card 104 and transmits it to the second card reader 105 so that the second card reader 105 adds the total amount summed to the customer card. The total amount of money in 104 is updated.

충전거래가 완료되면, 제어수단(111)은 충전승인정보와 거래 데이터와 같은 거래 내역을 제 2저장수단(107)에 저장한다(S114). 이때, 제 2저장수단(107)에 저장된 거래 내역이 전체 저장용량의 일정용량(약 80%)이상인 경우 자동으로 통신수단(110)을 통해 정산센터(109)에 접속하여 거래 내역을 업로드(Upload)한다.When the filling transaction is completed, the control means 111 stores transaction details such as charging approval information and transaction data in the second storage means 107 (S114). At this time, if the transaction history stored in the second storage means 107 is more than a certain amount (about 80%) of the total storage capacity automatically accesses the settlement center 109 through the communication means 110 to upload the transaction history (Upload) )do.

이상에서 상세히 설명한 바와 같이, 본 발명은 전자지갑을 이용하여 고객의 카드를 충전할 수 있는 효과가 있다.As described in detail above, the present invention has the effect of charging the customer's card using the electronic wallet.

본 발명은 매 전원 온 동작시 소정의 보안동작에 의해 충전장치 및 전자지갑의 보안상태를 확인할 수 있도록 구성하여 운영자가 충전장치, 전자지갑 또는 이 둘을 함께 분실하는 경우에도 안정적인 보안시스템을 구축할 수 있는 효과가 있다.The present invention is configured to check the security state of the charging device and the electronic wallet by a predetermined security operation at every power-on operation to build a stable security system even if the operator loses the charging device, electronic wallet or both together. It can be effective.

Claims (9)

은행 전산망과 연결된 정산센터를 통해 이체된 금액을 저장하기 위한 운영자 전자지갑을 이용하여 고객의 카드에 금액을 충전하는 방법에 있어서,In the method of recharging money in the customer's card using the operator's electronic wallet for storing the money transferred through the settlement center connected to the bank computer network, 상기 운영자 전자지갑이 상기 정산센터에 등록된 운영자 전자지갑인지를 인증받는 단계,Authenticating whether the operator electronic wallet is an operator electronic wallet registered in the settlement center; 운영자로부터 등록시 설정된 개인식별코드를 입력받아 상기 운영자가 상기 운영자 전자지갑의 지정된 운영자인지를 확인하는 단계,Checking whether the operator is a designated operator of the operator electronic wallet by receiving a personal identification code set during registration from an operator; 상기 확인결과 확인된 운영자인 경우, 운영자 전자지갑에서 희망하는 충전금액을 고객카드로 충전하는 단계를 포함하는 것을 특징으로 하는 전자지갑을 이용한 고객카드 충전방법.In the case of the operator confirmed as a result of the check, the customer card charging method using the electronic wallet, characterized in that for charging the desired amount of charge in the operator's electronic wallet with the customer card. 제 1항에 있어서,The method of claim 1, 상기 인증단계에서는 상기 운영자 지갑의 고유코드를 상기 정산센터로 전송하고, 상기 전송된 고유코드에 기초하여 상기 정산센터로부터 전송되는 인증확인정보의 수신여부에 따라 인증이 이루어지는 것을 특징으로 하는 전자지갑을 이용한 고객카드 충전방법.In the authentication step, the electronic wallet, characterized in that for transmitting the unique code of the operator wallet to the settlement center, the authentication is made according to whether or not to receive the authentication confirmation information transmitted from the settlement center based on the transmitted unique code. How to charge your customer card. 제 2항에 있어서,The method of claim 2, 상기 인증단계에서는 소정시간 이상 상기 인증확인정보가 수신되지 않으면,상기 고유코드를 재전송하고 상기 인증확인정보의 수신여부를 체크하는 인증절차를 반복 수행하며, 상기 인증절차가 수행되는 횟수를 카운트하여 상기 카운트된 횟수가 소정횟수 이상이면, 상기 운영자 전자지갑을 잠김모드로 설정하는 것을 특징으로 하는 전자지갑을 이용한 고객카드 충전방법.In the authentication step, if the authentication confirmation information is not received for a predetermined time, the authentication procedure for retransmitting the unique code and checking the reception of the authentication confirmation information is repeatedly performed, and counting the number of times that the authentication procedure is performed is performed. If the count is more than a predetermined number of times, the customer card charging method using the electronic wallet, characterized in that for setting the operator electronic wallet in the locked mode. 제 1항에 있어서,The method of claim 1, 상기 운영자 확인단계는 계약시 부여된 상기 운영자의 개인식별코드를 입력받는 단계, 상기 입력된 개인식별코드를 미리 설정된 개인식별코드와 비교하는 단계, 상기 비교결과에 상기 운영자 전자지갑이 고객카드 충전에 이용될 수 있도록 정상충전모드로 설정하는 단계를 포함하는 것을 특징으로 하는 전자지갑을 이용한 고객카드 충전방법.The operator confirmation step includes receiving an input of the personal identification code of the operator given in the contract, comparing the input personal identification code with a predetermined personal identification code, the operator electronic wallet in the comparison result to the charge of the customer card Charging the customer card using the electronic wallet, characterized in that it comprises the step of setting to normal charging mode to be used. 제 4항에 있어서,The method of claim 4, wherein 상기 비교결과 개인식별코드가 일치하지 않는 경우, 상기 개인식별코드를 재입력받아 비교하는 확인절차를 소정횟수동안 반복수행하고, 상기 수행된 횟수를 카운트하여 소정횟수이상이면, 상기 충전장치와 운영자 전자지갑을 잠김모드로 설정하는 것을 특징으로 하는 전자지갑을 이용한 고객카드 충전방법.If the personal identification code does not match as a result of the comparison, the confirmation procedure for re-input and comparing the personal identification code is repeated for a predetermined number of times, and if the number of times performed is counted or more than the predetermined number, Charging a customer card using an electronic wallet, characterized in that the wallet is set to the locked mode. 상기 충전단계는 상기 고객카드를 인식하여 상기 고객카드 정보내용을 판독한 후 상기 판독된 정보내용을 표시하는 단계, 상기 고객카드에 충전하기를 원하는희망충전금액을 입력받는 단계, 상기 운영자 전자지갑에서 상기 입력된 희망충전금액의 감액을 요청하는 단계, 상기 감액요청에 따라 상기 운영자 전자지갑에서 상기 희망충전금액을 감액 후 전송되는 고객카드에 대한 충전승인정보를 수신하는 단계, 상기 수신된 충전승인정보에 따라 상기 고객카드의 잔액에 희망충전금액을 가산하여 상기 고객카드의 총금액을 갱신하는 단계, 상기 충전 거래내역을 저장하는 단계를 포함하는 것을 특징으로 하는 전자지갑을 이용한 고객카드 충전방법.In the charging step, the customer card information is read and the customer card information is read, the read information content is displayed, a desired charge amount desired to be charged to the customer card is input, and the operator electronic wallet Requesting a reduction of the input desired charge amount, receiving charge approval information for a customer card transmitted after reducing the desired charge amount in the operator electronic wallet according to the reduction request, and receiving the received charge approval information And updating the total amount of the customer card by adding a desired charge amount to the balance of the customer card, and storing the charge transaction. 제 6항에 있어서,The method of claim 6, 상기 저장단계에서 상기 저장된 거래 내역이 일정량이상인 경우, 상기 거래 내역을 상기 정산센터에 자동으로 업로드하는 것을 특징으로 하는 전자지갑을 이용한 고객카드 충전방법.If the stored transaction details in the storage step is a certain amount, customer credit card charging method using an electronic wallet, characterized in that for automatically uploading the transaction details to the settlement center. 제 1항에 있어서,The method of claim 1, 상기 운영자 전자지갑은 구입시 등록된 고유코드와 사용자의 개인식별코드를 저장하며, 운영자의 예금을 저장 및 처리할 수 있도록 정보저장, 자료처리 및 암호처리를 수행하는 스마트카드인 것을 특징으로 하는 전자지갑을 이용한 고객카드 충전방법.The operator's electronic wallet is a smart card that stores a unique code registered at the time of purchase and a user's personal identification code, and performs information storage, data processing and encryption processing to store and process the operator's deposit. How to charge customer card using wallet. 제 1항에 있어서,The method of claim 1, 상기 고객카드는 접촉식과 비접촉식이 통합된 콤비 스마트카드인 것을 특징으로 전자지갑을 이용한 고객카드 충전방법.The customer card is a customer card charging method using an electronic wallet, characterized in that the combination of contact and contactless smart card.
KR1020010022824A 2001-04-27 2001-04-27 Method of charging client'smart card using electronic purse KR20020083317A (en)

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CN101604467B (en) * 2008-06-10 2011-03-16 关贸网路股份有限公司 Method for processing consumer information
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KR100811833B1 (en) 2006-04-24 2008-03-10 주식회사 한국스마트카드 Method and system for charging service fees, terminal for that service and charging/settlement center

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