KR20040035518A - Blocking technology and the method using the method using transferable card with blocking technology - Google Patents

Abstract

PURPOSE: A blocking technology and a method for using the unregistered transferable card cash using the same are provided to use the card cash and exchange the card cash with cash in anywhere equipped with a card reader by enabling anybody to make/distribute the card case. CONSTITUTION: A card cash account matched with the card cash is prepared(S22). To buy an article or withdraw the cash, withdrawal of a purchase price or the cash is requested by making a terminal read the card cash in a contact/non-contact mode(S23). The withdrawal of the purchase price or the cash is approved if a balance of the card cash account is larger that the purchase price or the requested cash(S24). The approved price is transferred to a deposit account matched with the terminal or is withdrawn from an ATM(Automated Teller Machine) by subtracting the approved price from the cash card account(S25). The approved price is subtracted from a record storage of the card cash.

Description

BLOCKING TECHNOLOGY AND THE METHOD USING THE METHOD USING TRANSFERABLE CARD WITH BLOCKING TECHNOLOGY}

The present invention relates to electronic money and electronic commerce using the same, and more specifically, to provide a distribution function by applying a limit technology, which is the core technology of the present invention, to a widely distributed cash (debit) card.

In the magnetic card of the prior art in this field, account information is inputted on the magnetic strip on the back, and the cash withdrawal, balance check, deposit and withdrawal history can be known through the reader or ATM installed in the bank, and also used through the reader installed in the card merchant. We confirmed the amount and paid the bill by the broker of VAN company located in the middle of the payment.

However, these existing bank cards are organic name cards, which require prior bank approval and input of a password, especially if there is no balance in the bankbook or if the balance is not available, the card cannot be used for a fixed amount and a withdrawal limit is set when the deposit amount is high. It was difficult for the card to be blinded and given the distribution function.

In addition, transportation cards, phone cards, and electronic money with IC chips made to solve these shortcomings have the advantage that they can be distributed because of advanced technology and bearer technology, but they are expensive and difficult to make due to less localization of technology. Since a separate recognizer is required, it requires a huge cost to build a distribution network and it is difficult to activate until the electronic mind of the public is formed.

In addition, a prepaid card such as a department store, which is a prior art and similar characteristics, and a road traffic card are similar in that they are a bearer card having a distribution function, but can be used only as a purpose product in a specific area with a separate payment method. As a function is very lacking. The technical problem to be achieved by the present invention has been invented to solve these problems of the prior art, and to achieve this purpose, a technique for limiting the use of strips of existing magnetic cards has been implemented. By assigning the distribution function of the bearer of the bearer to the existing card as a technical problem to achieve the present invention.

The present invention is an information technology of the magnetic tape attached to the back of the magnetic card

In the input part, it is about BLOCKING TECHNOLOGY which limits the usage of deposit account connected online with the card according to the present invention by inputting a regulatory device that can limit the deposit usage limit. The purpose is to create a convenient alternative currency that can be used anywhere in the country where a card recognizer is installed and exchanged for cash by making a securable card currency that is transferable as much as possible.

1A to 1D are the meanings of the blocking technique, which is the main subject of the present invention, and a process diagram for implementing the technique on the magnetic strip.

2 and 3 are process diagrams for a method of giving a transfer function of an anonymous bearer to an existing card using a card and a bank system to which the present technology is applied directly or indirectly.

The limiting technique of the present invention is an application of some semiconductor technologies, especially trenches in magnetic tapes and source and drain regions on the sides, so that the junction depth of the source and drain regions is thinner than the gate oxide interface, so that even minute regions can be obtained. By combining the semiconductor-related technology, which improves reliability without the short channel characteristic, and the number-plate arrangement method that is also recognized by the flow of microcurrent, the blocking function is given to the conventional magnetic card by storing information on the recording tape of the magnetic tape.

The method for forming blocking, which is the main subject of the present invention,

1) After the nitride film is deposited on the magnetic tape, the surface of the nitride film is patterned to form a nitride film mask, and the recording tape is etched using the nitride film mask to form a number plate.

2) After making the side wall next to the number plate, the ion layer is formed and the ions remain attached to the side wall.

3) Recognize the numbers by detecting the rate of change according to the flow of the micro-current detected by the electrode and the electrodes, and use them even if the current is no longer recognized until the recognized numbers are reduced one by one according to use. By not being able to

4) Regardless of the number of accounts connected online, the limit of the amount of money that can be recognized is determined by the record of the number plate originally entered on the card.

Hereinafter, with reference to the drawings will be described a blocking technique that is the main content of the present invention.

1A to 1D are manufacturing process diagrams illustrating a semiconductor and a number plate adhesion technique applied to the present invention.

FIG. 1A shows that a nitride film is deposited on a magnetic tape to form an insulating film 12, and then a photoresist pattern of a region wider than the gate area by an LLD length is formed on the insulating film 12 to form a gate pattern. Using the pattern as a mask, the insulating film 12 under the pattern is etched to expose a card plate with magnetic tape, thereby forming an insulating film mask. Since the gate pattern is formed longer than the actual length, the gate manufactured after the completion of the process may be formed to a size much smaller than the limit of the photo process. After removing the photoresist, the exposed portion of the card substrate is etched thinly using an insulating film mask to insert a numeric plate.

In FIG. 1B, an oxide film is deposited on the magnetic card plate including the surface of the first hole 13 by CVD and then etched back to form sidewalls 15 on the sidewalls of the first hole 13. Therefore, the magnetic substrate 12 of the card remains only in the side wall 15 where the gate electrode in the center of the first hole 13 is to be formed. Then, ion implantation for forming a punch through stop ion layer is performed to form an ion layer (not shown) recognized in the number plate in the region where the gate is to be formed, that is, under the hole of the card substrate 11.

Next, the gate oxide film 14 is formed on the surface of the hole and the sidewall by oxidation by an oxidation process. After depositing the polysilicon, the polysilicon is etched so that the polysilicon remains at a predetermined height to form the gate electrode, that is, the number plate 16, by filling the polysilicon into the hole. At this time, the gate electrode 16 is formed in a recessed etched hole having a width less than the etching limit of the equipment, so that the length of the gate electrode 16 has a width less than the etching limit of the equipment.

Next, as shown in FIGS. 1C and 1D, the nitride film 12 and the oxide sidewall 15 on the substrate are sequentially removed by wet etching to form a groove, and a low concentration source and drain region of the -region in the groove. (18-2), again the high concentration source and drain region (18-1) of the + region and several or dozens of these holes are made to recognize the code according to the flow of minute currents identified by numbers. Let's do it.

The present invention also relates to a method of imparting an anonymous and transferable distribution function to an existing card by combining a card currency to which the above-mentioned blocking technology is applied and a banking system. FIGS. 2 and 3 respectively describe the method. It is.

Figure 2 relates to a method for regulating the withdrawal of an online linked account using the card implemented limit limit technology in a total amount in a method of realizing anonymity by connecting several cards with the limit limit technology implemented in a single account Conceptual diagram.

Hereinafter, the matters shown in FIG. 2 will be described.

S21 is a step of providing a semen-type card currency to which the limiting technology, so-called blocking technology applied to the magnetic strip applied; S22 forming a deposit account for the card money corresponding to the card money; S23 requesting the withdrawal of the item purchase amount or cash by recognizing the card currency as contact or contactless through a normal dedicated terminal at the time of purchase or withdrawal of the item; S24 confirms the balance of the deposit account for the card money and approves the withdrawal of the purchase amount or cash if the purchase amount or cash amount is greater than that; S25 deducts the approved amount from the deposit account for card money and transfers the approved amount to the deposit account corresponding to the dedicated terminal, or withdraws the approved amount through the ATM device and withdraws the approved amount from the card money. Provided is a payment and settlement method using a transferable card currency, including the step of subtracting from a record storage unit of.

In the present invention, the card currency, which is able to limit the amount of withdrawal by applying the blocking technology, can be purchased by the consumer through an online or offline application. The consumer of the actual card currency pays the amount of a certain fixed limit of the card currency to the seller of the card currency online or offline, and the seller of the card currency pays the fixed amount account corresponding to the amount paid by the consumer. Form a savings account (Figure 3)

For reference, the deposit account for the card currency, when the consumer of the card currency requests a transaction such as the actual purchase or cash withdrawal, the range of the withdrawal amount is limited or regulated by the blocking technique described above.

In the payment and settlement method according to the present invention, the financial networking between the card account deposit account, the ordinary dedicated terminal (card reader) and the merchant's deposit account or ATM device uses the payment path of the conventional debit or cash card as it is. Is implemented.

This limiting technology is not only controllable by limiting or managing the withdrawal of all network accounts connected online by cards issued for independent purposes, but also expensive and difficult to make by using magnetic cards that are currently widely distributed. It can satisfy the distribution function of the bearer electronic currency, and it can solve the side effects of the credit card which is becoming a social issue by competitive issuance.

Claims (3)

After depositing a nitride film on the magnetic tape, patterning bar that can recognize the number on the surface of the nitride film to form a nitride film mask, using the nitride film mask to etch the recording tape to form a number plate, and the side wall next to the number plate After forming the ion layer, the ions remain attached to the sidewalls and then detect the rate of change according to the flow of the electrode and the microcurrent detected by the electrode, and recognize the numbers. In order to determine the limit of the amount that can be recognized by the number plate that was originally entered on the card, regardless of the number of accounts connected online, the current can be used even when no more current is recognized until no one is left. A blocking technology and card currency manufactured using the same. Providing a card currency according to claim 1; Forming a deposit account for the card currency corresponding to the card currency; Requesting the withdrawal of goods purchase amount or cash by recognizing the card currency as contact or contactless through a conventional dedicated terminal at the time of purchase or withdrawal of cash; Confirming the balance of the deposit account for card money and approving the withdrawal of the purchase amount or cash if the purchase amount or cash amount is larger than the purchase amount or cash amount; Deducting the approved amount from the deposit account for card money and transferring the approved amount to the deposit account corresponding to the dedicated terminal, or withdrawing the approved amount through an ATM device, and recording the approved amount in the card money. Deducting from the storage unit, the payment and settlement method using a card currency. The method according to claim 2, Create a cyber account (or merchandise account) under the same operator's name and enter the serial number and account number corresponding to each card into each card to automate the card. Payment method and payment method that realizes anonymity by connecting to a product account)