KR20030083805A - Electronics coin dealings system and method for a future payment - Google Patents

Abstract

PURPOSE: A system and method for electronic money transaction by deferred payment are provided to execute a deferred payment of electronic money after searching a credit rating of a card possessor based on a resident registration number of the card possessor. CONSTITUTION: A credit information company server(10) including resident registration numbers of credit bankrupts and a card company server(20) including robbery/loss card information capable of being connected in real time are provided. A central terminal(30) includes a control unit which receives credit bankrupt information and robbery/loss card information transmitted from the servers, stores the information in an internal memory, controls an update of data stored in the internal memory, and collects/outputs stored data. An RF deferred payment card(50) includes a card identification having a resident registration number of a card possessor and a bank identification of a card issuing company. If a resident registration number or a card identification read from the RF deferred payment card(50) is identified with a resident registration number of a credit bankrupt or a robbery/loss card information transmitted from the central terminal(30) and stored in the internal memory, card terminals(40) output a transaction suspension.

Description

Post payment electronic money trading system and method thereof {ELECTRONICS COIN DEALINGS SYSTEM AND METHOD FOR A FUTURE PAYMENT}

The present invention relates to a postpaid electronic money transaction system, and more particularly, to a system and method for performing electronic money transactions while performing dual authentication for a bad credit card and a stolen card.

The current public transportation fare collection methods include the traditional method of using cash or tokens, the prepaid transportation card, and the postpaid RF credit card. A representative example of the method of using a post-payment RF credit card is a "contactless wireless recognition credit card system (application number 1996-0006854) filed with the Korean Intellectual Property Office.

In the case of collecting the fee by the postpaid card method, the public transportation fee collection method is based on the check of the black list data. Black List data storage module is installed and operated. It is obvious that the faster the update cycle is, the faster the fare or charge collection will be.

However, in the conventional toll collection system using a postpaid card method, a black list is received from each card issuer and used to search for a bad credit. In this case, since the update period of the black list transmitted from each card issuer has a difference as well as the update period is long, the reliability of the system is deteriorated. In addition, in the case of bad credit for one card, even if the bad credit must be processed for the other card, there is no way to detect this in the current toll collection system using the postpaid card method. The reason for this is that the creditors are identified based on the card number. If it is possible to determine whether the credit is defective by the unique information of the credit defect, such as the social security number of the credit defector, it is more accurate to detect the credit defect. The loss of toll collection will be minimized.

The contradiction of the postpaid traffic fare collection process is not a phenomenon that can occur only in the collection of traffic fare, but a phenomenon that occurs in all electronic money trading systems that make payments in a postpaid manner.

Accordingly, an object of the present invention is to provide a post-payment type electronic money transaction system and method for performing post-payment of electronic money by searching for a credit failure based on the cardholder's social security number.

Still another object of the present invention is to provide a post-payment type electronic money transaction system and method for retrieving the authenticity of stolen electronic money, as well as searching for credit defects based on the social security number of the electronic money user. have.

1 is a block diagram of a postpaid electronic money trading system according to an embodiment of the present invention.

2 is an exemplary configuration diagram of data transmitted from the central terminal 30 to the card terminal 40 in FIG. 1.

3 is a configuration diagram of a card terminal mounted in a bus as an example of the card terminal 40 shown in FIG.

4 is an operation flowchart of the bus card terminal shown in FIG.

The postpaid electronic money transaction system according to an embodiment of the present invention for achieving the above object is capable of real-time access to a server that stores the social security number of the creditors and a server that stores stolen / lost card information.

A central terminal which receives credit defect information and stolen / lost card information transmitted from each of the servers, stores them in an internal memory, controls updating of data stored in the internal memory, and collects and outputs the stored data;

An RF postpaid card in which the card issuer's social security number and card identification information including bank identification information are recorded;

If the resident registration number and card identification information read from the RF deferred payment card are transmitted from the central terminal and match any of the resident registration number, stolen or lost card information of the defective credit card stored in the internal memory, the transaction is stopped and vice versa. Card terminals having a control unit for; characterized in that it comprises a.

Therefore, the present invention is to check the state of credit failure with the resident registration number, it is possible to prevent in advance the loss that may occur due to the use of a card that is not yet noticed bad credit when using multiple cards.

In addition, since the present invention can detect not only a bad credit status but also a stolen or lost card, it is possible to minimize damages to property caused by theft or loss of the card.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily understand and reproduce the present invention.

First, FIG. 1 illustrates a configuration diagram of a postpaid electronic money transaction system according to an embodiment of the present invention, and FIG. 2 illustrates a configuration of data transmitted from the central terminal 30 to the card terminal 40 in FIG. 1. It is.

Referring to FIG. 1, the server 10 of a credit information company receives credit defect information from various financial institutions as well as a card company server and makes a database thereof. The bad credit database includes at least a social security number for identifying the bad credit, and the bad credit information is transmitted to the central terminal 30 through a leased line or an internet network.

The plurality of card company servers 20 issue an RF postpaid card through a financial institution such as a bank, and if there is a report of theft or loss of the issued card, database the stolen / lost card information accordingly, and database theft / The lost card information is transmitted to the central terminal 30 through a dedicated line or an internet network. For reference, the RF postpaid card has a resident registration number and card identification information of a card issuer for implementation of the present invention. For reference, the card identification information includes a bank issuer (BIN) of the card issuer, a unique number assigned to the card, and a check digit. An example of the RF postpaid card is an RF debit card for driving an internal integrated circuit with an induced voltage wirelessly received by an antenna coil. Since the RF debit card is already known in the art, a detailed description thereof will be omitted.

Meanwhile, the central terminal 30 receives credit defect information and theft / lost card information transmitted from each of the credit card company's server 10 and the card company's server 20 and stores the data in the internal memory and stores the data stored in the internal memory. The controller may be configured to control update or collect stored data according to credit release information and theft / lost card release information. The central terminal 30 may be classified as follows according to the system builder.

First, the above-described central terminal 30 may be a terminal operated by a bus company. In this case, the central terminal 30 performs a wireless transmission of bad credit information and theft / lost card information to card terminals mounted on vehicles located in a garage. To this end, the central terminal 30 further includes a wireless communication unit for wireless data communication with card terminals mounted in vehicles.

Meanwhile, the above-described central terminal 30 may be a terminal located in the subway station. In this case, the central terminal 30 located in the station may perform data communication with the card terminal installed at the ticket gate through the wireless communication unit, but may be connected with the card terminal installed at the ticket gate through an interface unit such as a network connection unit.

That is, the above-described central terminal 30 further includes a communication unit for transmitting the credit information and the stolen / lost card information to the card terminal 40 through wired or wireless data communication. For reference, a structure of data transmitted from the central terminal 30 to the card terminal 40 will be described with reference to FIG. 2.

First, as shown in FIG. 2, the central terminal 30 transmits the data collected in the order of bad credit information, header information, and data information to each card terminal 40. In this case, the bad credit information is an arrangement of a plurality of social security numbers provided by a credit information company. The data information is an array of lost or stolen card numbers provided from the card company server 20, and the header information is an array of BIN (Banking Identification Number) information / size information / pointer information. The BIN information may be used as information for identifying the card company, the size information indicates the size of the lost or stolen card number sent by each card company, the pointer information indicates the initial position information of the lost card number sent by each card company It can be seen that.

Therefore, the card terminal 40 may store the bad credit information and the stolen / lost card number for each card company when receiving the data as shown in FIG. 2.

In addition, the central terminal 30 may make a list by configuring the bad credit information with a BIN number and a social security number. In this case, a BIN number may be added with a bit for indicating a bad credit.

On the other hand, each of the plurality of card terminals 40, the resident registration number and card identification information lead from the RF postpaid card 50 is transmitted from the central terminal 30 of the resident registration number, stolen or lost card information of the poor credit card already stored in the internal memory If any one is matched, it outputs a transaction stop and vice versa.

The card terminal 40 should also be provided with a wired / wireless communication unit according to a location and a traffic system used together with the central terminal 30. This is because the card terminal through the wired / wireless communication unit receives the bad credit information and the stolen or lost card information transmitted from the central terminal 30. For reference, in the embodiment of the present invention, the operation of the present invention will be described by exemplifying the configuration of a card terminal mounted on a bus and collecting a traffic fare.

First, FIG. 3 illustrates a configuration of a card terminal mounted in a bus as an example of the card terminal 40 shown in FIG. 1, and FIG. 4 shows an operation flowchart of the bus card terminal shown in FIG.

Referring to Figure 3, the card reader 41 serves to lead a variety of information recorded on the postpaid RF card, that is, resident registration number and card identification information.

The ride fare settlement unit 42 calculates and calculates a ride fare corresponding to the rider information input from the user (ie, driver) interface unit 44 under the control of the controller 47.

The ride fare information storage unit 43 stores user information based on the use of a postpaid RF card and ride fare information or ride fare information according to the use of a traffic card.

The user interface unit 44 includes a plurality of key buttons for controlling the overall operation of the card terminal, as well as a display unit for displaying various operation states.

The bad credit information memory 45 stores the bad credit information and the stolen / lost card information transmitted from the central terminal 30. To this end, the memory 45 may be configured to include a flash RAM for storing bad credit information and stolen / lost card information, and a DRAM for updating. That is, the update may be completed by storing the bad credit information and the stolen / lost card information updated in the update operation DRAM in the storage flash RAM. That is, when the central terminal 30 intermittently transmits the additional information of the bad credit person and the stolen / lost card additional information or release information for a predetermined time, the card terminal 40 uses the DRAM for the update operation and the central terminal 30. The update of credit defect information and theft / lost card information can be completed by accumulating additional / release information such as credit defectors, which are transmitted from the accumulator, in a flash RAM for a predetermined time and then storing them in flash RAM.

The GPS receiver 46, which is a GPS receiver module, receives the latitude and longitude data of the vehicle, that is, the vehicle position information through a GPS antenna (not shown), and outputs the same to the controller 47. The wireless communication unit 80 is a component for updating the bad credit information and the stolen / lost card information. The wireless communication unit 80 performs data communication with the wireless communication unit included in the central terminal 30 in a predetermined frequency band.

In addition, the control unit 47 includes a memory terminal in which the control program data for implementing the method according to the embodiment of the present invention and the control program data for controlling the operation of each unit are stored therein, thereby providing the card terminal 40 installed in the vehicle. Overall control of the operation. For example, if the social security number and card identification information read from the RF postpaid card 50 match with any one of the bad ID, stolen or lost card information stored in the memory 45, the user interface unit 44 stops the transaction. If the output is reversed and vice versa, the fare settlement unit 42 and the fare information storage unit 43 are controlled to perform the fare settlement.

Hereinafter, the operation of the card terminal 40 described above with reference to FIG. 4 will be described in more detail.

First, the central terminal 30 of the bus vehicle company receives the resident registration number of the creditors and the card number of the stolen / lost card from the server 10 and the card company server 20 of the credit information company and stores them in a memory provided therein. In this case, as shown in FIG. 2, the control unit of the central terminal 30 collects the data received in the order of the bad credit information, the header information, and the data information, and transmits the data to each of the card terminals 40. In the memory 45 of 40), the social security number of the creditors and the card number of the stolen / lost card are stored.

When the vehicle is driven in this state, the controller 47 receives the card information through the card reader 41 when the passenger boards (step 70). In this case, the card information includes the resident registration number and card identification information of the postpaid RF card issuer. Therefore, the controller 47 detects the resident registration number from the received card information and compares it with the resident registration numbers of the poor credit card stored in the internal memory 45 and checks whether it matches with any one (step 72). If the resident registration number received as a result of the test is the resident registration number of the poor credit card, the control unit 47 proceeds to step 78 and notifies the outside of the error message through the user interface unit 44. In this case, it would be desirable to notify the driver of the cause of the error (step 80) in order to identify whether the credit card is bad or if the lead card is stolen or lost.

On the other hand, if the received resident registration number does not match the resident registration number of the poor credit card control unit 47 proceeds to step 74 and checks whether the received card identification information matches any of the stolen / lost card information stored in the internal memory (45). . If it matches any one, as described above, an error message is notified through steps 78 and 80 as well as an error cause to the outside.

However, if it is determined that the normal card user and the card are the result of the sequential inspection of steps 72 and 74, the control unit 47 proceeds to step 76 to control the ride fare settlement unit 42 and the ride fare information storage unit 43 to collect the traffic fare. do.

Therefore, in the present invention, when a card user who uses a plurality of credit cards is found to be inadequate credit for any one card, the card company that has not yet been notified of the credit card is not determined because the state of the credit failure is determined using his social security number. It is possible to prevent the damage that can occur in advance.

As described above, the present invention checks the credit status as the social security number of the creditors in the card terminal, so that a user who has become a credit status at a card company can prevent the damage that may occur by using a card that is not yet notified of the credit failure. There is an advantage to this.

In addition, since the present invention can detect the bad credit by the resident registration number, it is possible to reduce the size of the data for managing the bad credit, as well as to prevent duplicate management of the black list.

In addition, the present invention can detect whether the credit card with the resident registration number of the electronic money user, as well as detect the stolen / lost electronic money as the electronic money identification information, thereby preventing damage to the card issuer in advance. It also works.

On the other hand, the present invention has been described with reference to the embodiments shown in the drawings, which are merely exemplary, and those skilled in the art will understand that various modifications and equivalent other embodiments are possible therefrom. For example, in the exemplary embodiment of the present invention, the credit information company and the card company server receive the credit card information and theft / lost card information, respectively, but all the information can be received from the credit information company, and the credit card ID number of the credit card company from the card company. You may also receive theft / card loss information. Therefore, the true technical protection scope of the present invention should be defined only by the appended claims.

Claims (7)

In the postpaid electronic money transaction system that can be connected in real time to the first server that stores the social security number of the creditors and the second server that stores the theft / loss card information, A central terminal having a control unit for receiving bad credit information and theft / lost card information transmitted from each of the servers and storing them in an internal memory, controlling update of the data stored in the internal memory, and collecting and outputting the stored data; ; An RF postpaid card in which card identification information including a card issuer's social security number and card issuer's bank identification information is recorded; If the resident registration number and card identification information read from the RF deferred payment card are transmitted from the central terminal and match any one of the resident registration number, theft or lost card information of the poor credit card stored in the internal memory, the transaction is stopped and vice versa. Card terminals having a control unit for; a postpaid electronic money trading system comprising a. The method of claim 1, wherein the central terminal; The data collected in the order of bad credit information, header information and data information is transmitted to each card terminal, wherein the bad credit information is an array of social security numbers, and the data information is an arrangement of lost or stolen card numbers. Post payment type electronic money trading system characterized in that the array of BIN information / size information / pointer information. The method according to claim 1, wherein the central terminal, Receiving credit release information and theft / lost card release information from each of the servers, controlling update of data stored in the internal memory, and outputting the received release information to each of the card terminals. Trading system. The post-payment type electronic money transaction according to claim 2 or 3, wherein the central terminal further comprises a communication unit for transmitting credit defect information and theft / lost card information to the card terminal through wired or wireless data communication. system. The card terminal of claim 4, wherein the card terminal includes a card terminal mounted on a bus, and the bus-mounted card terminal further includes a wireless communication unit for receiving wireless transmission of credit defect information and theft / lost card information transmitted from the central terminal. Postpay electronic money trading system, characterized in that. In the electronic money transaction method of the card terminal which can read the record information from the RF postpaid card, which records the card identification information including the card issuer's social security number and the card issuer's bank identification information, Receiving bad credit information and theft / lost card information through either wired or wireless data communication and storing them in an internal memory; Reading the social security number and card identification information from the RF postpaid card; Comparing the read resident registration number and card identification information with each of the bad credit information and the stolen / lost card information stored in the memory to check whether they match; Outputting an error message to the outside if any one of the resident registration number and the card identification information read matches the value stored in the memory; And processing the fee according to the transaction if the read resident registration number and the card identification information do not match the values stored in the memory. The method of claim 6, further comprising: outputting an error cause if any one of the read social security number and card identification information matches a value stored in a memory.