KR20090000067A - Method for using electronic cash in on-line - Google Patents

Abstract

A method for utilizing e-cash through online is provided to automatically perform the upgrade, drive and termination of an e-cash application by connecting e-cash to an Internet communications terminal and removing the e-cash, thereby improving the utilization of the e-cash online. An e-cash application is installed in a communications terminal(S10). The communications terminal automatically recognizes the connection of e-cash as the operation of a tray program(S20). The permission of access to services mounted in the e-cash through the authentication of the e-cash is determined. If the authentication of the e-cash is accomplished, a management server managing the services enforces the function upgrade of the services(S40). The e-cash application is driven to enforce the services mounted in the e-cash(S50). If the e-cash is removed from the communications terminal, the tray program automatically terminates the drive of the e-cash application(S60).

Description

How to use electronic money online {Method for Using Electronic Cash In On-Line}

1 is a schematic diagram of a system to which a method of using electronic money through online according to the present invention is applied;

2 is a flow chart of a method of using electronic money through online according to the present invention.

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

1: system of the present invention

10: Electronic Money

11: Communication interface (e.g. USB)

20: communication terminal

30: management server

(Technology)

The present invention relates to a method of using electronic money online, and more particularly, by connecting and removing electronic money to and from the Internet communication terminal, the upgrade, operation, and termination of the electronic money application is automatically executed. The present invention relates to a method of using electronic money through online which can improve usability online.

(Background)

The most commonly used electronic money in everyday life is a smart card type of transportation card, and such a transportation card has a widely known RFID (Radio Frequency Identification).

RFID is a system that processes information in a non-contact manner through wireless communication, and is composed of an RF reader (for example, card reader) having a reading function and an RF transponder (for example, a traffic card) incorporating unique information. The RF reader includes a transceiver, a decoder, an antenna, and the like, and reads unique information recorded in the RF transponder through wireless communication with the RF transponder. The RF transponder includes an electronic chip and an RF antenna. Provides unique information recorded through communication with RF transponders come in many forms, including card, tag, and label.

RFID communicates certain information through wireless communication between the RF reader and the RF transponder, but its superficial function is executed, but it is not until the RF reader delivers the relevant information to the management server that manages the function. Finally finished.

For example, in the case of an electronic money transit card, when an amount of money is to be charged on the transit card, an RF reader (card reader) reads the information recorded on the transit card through wireless communication, and between the RF reader and the management server. Through communication, charging is realized through authentication procedures of the corresponding transportation card.

As such, smart card-type electronic money is required for the RF reader during its use, but in general, an individual does not have an RF reader, so if you want to check the information or charge the information recorded on the smart card, You must visit the place where it is located (eg charging station).

In order to alleviate the inconvenience associated with the use of the RF reader, it is possible to monitor the recorded information by reading a transportation card (electronic money) while connected to a communication terminal (e.g. a personal computer), and recording it on the transportation card as necessary. A personal RF reader has been proposed that can update information, and in some cases, charge a transit card via the Internet and settle a transaction on the internet with the transit card.

Recently, a technology for integrating an RF reader into a mobile communication terminal (e.g., a mobile phone), which is widely used as a daily necessity, has been proposed to utilize a mobile communication terminal for reading a transportation card (electronic money).

In addition, the transportation card is used in various forms, such as the form of a plastic card from the traditional plastic card, as well as a variety of accessories, and a transportation card with an RF reading function and a USB communication function has been proposed. The services installed on the Internet can be used via the Internet, and the types of services mounted on the transportation card are becoming more diverse.

However, in the case of electronic money such as transportation cards so far, consumers often do not know how to use such online in using online services provided through internet communication terminals (personal computers or portable terminals). However, it is not widely used because of its complexity of use and difficulty in accessibility.

An object of the present invention, by using the various services mounted on the electronic money online, by the upgrade, operation and termination of the electronic money application is automatically executed as the electronic money is connected and removed from the Internet communication terminal, The aim is to improve the usability of electronic money online.

According to the present invention, a method of using electronic money online is provided.

The method of using electronic money through online according to the present invention is to access electronic money loaded with various services including electronic money service to a communication terminal capable of internet communication, and execute the services mounted on the electronic money online. As a method of using electronic money through

Installing an electronic money application program related to the execution of the services including a tray program for sensing the electronic money on the communication terminal; Connecting the electronic money to the communication terminal to automatically recognize the connection of the electronic money by the operation of the tray program; Determining whether to allow access to the services mounted on the electronic money through authentication of the electronic money (eg, input of a personal identification number); If the electronic money is available and the authentication is made, accessing a management server managing the services to perform a function upgrade of the services; Driving the electronic money application program to execute the services mounted on the electronic money; And when the electronic money is removed from the communication terminal, terminating the driving of the electronic money application by recognizing the removal of the electronic money by the tray program. Characterized in that it comprises a.

Preferably, the service mounted on the electronic money is a digital copyright authentication service of digital rights management, and in order to use the digital money stored in the electronic money or the communication terminal, the electronic money may be authenticated.

Hereinafter, a method of using electronic money through online according to the present invention will be described in detail with reference to the accompanying drawings. The following embodiments are merely illustrative of the method of using electronic money online according to the present invention, and are not intended to limit the scope of the present invention.

Referring to Fig. 1, a schematic illustration of a system to which an exemplary method of using electronic money is applied according to the present invention is applied.

As shown, the system 1 to which the method of using electronic money online according to the present invention is applied includes an electronic money 10, a communication terminal 20, and a management server 30.

The electronic money 10 is, for example, a smart card type electronic money, such as a transportation card, which is equipped with an electronic money service and its accompanying services, as well as various services that can be executed by RFID.

As is widely known, the electronic card 10 of the smart card method includes: (1) an electronic payment service such as an electronic signature, certificate storage, Internet payment, etc .; ② e-commerce services such as authentication, point-up services, cashback and discount services; ③ Medical welfare services such as prescription delivery, medical records, medical insurance card management, automatic issuance of various certificates; ④ financial / distribution services such as bank cards (electronic bank account, prepaid, debit, postpaid card), home shopping, internet banking, point of sale (POS), gift certificates; ⑤ Cultural / tourist / leisure services such as reservation and reservation of various cultural facilities, discount function and membership card; ⑥ Public services such as electronic resident registration card, driver's license, automatic issuance of various complaints; ⑦ In-house management services such as commute management, restaurants, restaurants, vending machines, health care, meeting room reservations and cash withdrawals; ⑧ Access control services such as ID card, access key, security card; ⑨ Tax administration services such as identity verification, taxation information inspection, and automatic tax payment; (B) insurance / securities services such as electronic securities cards, insurance certificates, asset management and security cards; 통신 telecommunication services such as payphone cards, mobile phone subscriber identification and billing; 방송 broadcasting services such as CATV, satellite broadcasting viewing and billing; 교통 Transportation services such as parking fee payment, public transportation (city bus, subway, village bus, taxi, toll tunnel, etc.) highway, fare payment, driver's license, car history management; 회원 membership card services such as membership management, fitness, and use of sports facilities; 다양한 Various services such as student ID, academic management, human resource management, building air conditioning control, etc. can be installed.

According to the feature of the present invention, since the electronic money 10 should be able to communicate with the communication terminal 20, the electronic money 10 is provided with a communication interface 11 for communication with the communication terminal 20 It is. USB is preferably used as such communication interface 11, but other well-known wired / wireless communication interfaces such as Bluetooth and ultra wideband (UWB) may also be used.

The electronic money 10 applied to the present invention executes communication with the communication terminal 20 through the communication interface 11 as well as the non-contact RFID short-range wireless communication through the RF antenna, so that the smart money applied to the electronic money 10 is applied. It is preferable to use a combination card having both contact / non-contact functions as the card.

The communication terminal 20 is a general communication terminal that can be connected to the electronic money 10 through a communication such as USB communication and can be connected to the management server 30 online through wired or wireless Internet communication, for example, the Internet Possible personal computers, cellular phones, and the like.

The management server 30 is a server that manages various services mounted on the electronic money 10. When the Internet connection is requested through the communication terminal 20, the management server 30 requests execution of various services mounted on the electronic money 10. Provide the service through the process.

As described above, the services mounted on the electronic money are very diverse, and these services are not managed by one management server 30 but are managed by a plurality of management servers 30 having a certain system. In FIG. 1, three servers are exemplarily illustrated as the management server 30 for convenience, and which service a user clicks to connect to which server among the plurality of management servers 30 is used by the method of the present invention. Will follow.

Hereinafter, a method of using electronic money through online according to the present invention will be described with reference to FIG. 2.

According to the present invention, a method of using electronic money is provided on the electronic money 10 by connecting the electronic money 10 equipped with various services including the electronic money service to the communication terminal 20 capable of internet communication. It is a method of using electronic money through online to execute the above services.

The first step of the method according to the invention comprises the steps of installing a variety of electronic money application programs related to the execution of the services, including a tray program for sensing the electronic money 10 on a communication terminal 20 (e.g. a personal computer). (S10).

As the tray program and the electronic money application program are installed in the personal computer 20, when the personal computer 20 is booted and an operating program such as Windows is executed, the tray program is automatically executed when Windows is terminated. As long as it resides in the RAM to monitor whether the electronic money 10 is connected to the communication terminal 20 at all times.

In the second step of the method according to the present invention, when the electronic money 10 is connected to the communication terminal 20, the communication terminal 20 disconnects the electronic money 10 by the operation of the tray program installed in the first step. Automatically recognizing step (S20).

That is, the operation of the tray program installed in the communication terminal 20 monitors in real time whether the electronic money 10 is connected to the communication terminal 20 in real time (S21), and if connected (Y), it is automatically recognized (S22). ). Of course, if there is no connection (N), it repeatedly monitors whether there is a connection (S21).

As described above, according to the method of the present invention, since the communication terminal 20 automatically recognizes whether the electronic money 10 is connected or not, and takes necessary procedures, the electronic money 10 is more easily available online. Will be available.

The third step of the method according to the present invention is an authentication step (S30) to confirm whether the user is a legitimate user in utilizing the electronic money 10 recognized by the communication terminal 20, the communication terminal 20 When the phone currency 10 recognizes the connection, a window for allowing the installed authentication related program to operate to enter a personal identification number (PIN number), for example, pops up, and the user enters the correct PIN number to confirm that the user is a true user. Only when (Y) various services of the electronic money 10 can be used, otherwise (N) it becomes unavailable and the procedure ends, and step S20 is executed again.

The fourth step of the method according to the present invention is a service in which the management server 30 that manages the service of the electronic money 10 is applied to the electronic money 10 and the communication terminal 20 currently connected through internet communication. It is a step (S40) to check whether the related programs are up-to-date and execute them if necessary.

That is, when the authentication process is completed in the third step and the electronic money 10 is available and the personal identification number is matched (Y), the communication terminal 20 is connected to the management server 30 (S41), the management server If it is necessary to check and upgrade the version of the corresponding services of the electronic money 10 and the communication terminal 20 (S42: Y), it is a step of executing an upgrade (S43) (S40).

When the authentication (S30) and the upgrade (S40) is completed, the electronic money application associated with the online use of the electronic money 10 installed in step 1 is automatically driven, the user of the services mounted on the electronic money 10 Select the desired service to execute the service (S50).

In this step (S50), the display of the communication terminal 20, the menu screen for the execution of the various services mounted on the electronic money 10 is displayed in various ways (for example, the notification window below the desktop), the user Using the plug icon, it is possible to conveniently execute all the services mounted on the telephone currency 10, such as charging electronic money, payment of electronic commerce.

The last step (S60) of the method of the present invention, when the user terminates the use of the electronic money 10 and removes the electronic money 10 from the communication terminal 20, the tray program recognizes the removal of the electronic money 10. Step of automatically terminating the operation of the electronic money application.

As described above, since the operation of the electronic money application is automatically terminated along with the end of the use of the electronic money 10, it is possible to prevent the illegal use of others or exposure of the related information to the electronic money 10.

Thereafter, the communication terminal 20 returns to step 20 of checking in real time whether there is another electronic money 10 connected.

Regarding the method of using electronic money through online according to the present invention, the authentication module of the electronic money 10 in which the smart card is used includes various digital contents (eg, MP3 files, anti-virus files, malware treatment files, hacking prevention). The present invention can be applied to a digital rights authentication service in digital rights management (DRM) for preventing illegal copying of files and the like.

That is, when purchasing various digital contents through the communication terminal 20 to which the electronic money 10 is connected, the digital content supplied from the seller and the authentication module (eg, personal identification number) mounted on the electronic money 10 are mutually matched. In order to use the digital contents later, the digital contents can be used only after authentication by a matching personal identification number, and thus the excellent security of electronic money can be useful for digital rights management. .

The method of using electronic money through online according to the present invention as described above has the following effects in using services mounted in electronic money through online.

First, the upgrade, operation and termination of the electronic money application program according to the connection and removal of the electronic money to the Internet communication terminal are automatically executed, so that various services mounted on the electronic money can be used conveniently online.

Second, since the electronic money application is started and terminated in accordance with the connection and removal of electronic money, it is possible to prevent illegal use of others or exposure of related information.

Third, access is allowed only through authentication of smart cards used as electronic money, so security is excellent.

Fourth, it is possible to more effectively realize the copyright management of digital content by applying the excellent security of electronic money to digital rights management.

Claims (2)

The electronic money 10, which executes the services mounted on the electronic money 10 online by connecting the electronic money 10 equipped with various services including the electronic money service to the communication terminal 20 capable of internet communication, In how to use, Installing (S10) an electronic money application related to the execution of the services including a tray program for sensing the electronic money (10) in the communication terminal (20); Connecting the electronic money (10) to the communication terminal (20) by the operation of the tray program to automatically recognize the connection of the electronic money (10) by the communication terminal (S20); Determining whether to allow access to the services mounted on the electronic money (10) through authentication of the electronic money (10); If the electronic money (10) is available and the authentication is made, accessing a management server (30) for managing the services to perform a function upgrade of the services (S40); Driving the electronic money application program to execute the services mounted on the electronic money (S50); And When the electronic money (10) is removed from the communication terminal (20), the tray program recognizes the removal of the electronic money (10) and automatically terminates the driving of the electronic money application (S60); Characterized in that it comprises a method of using electronic money through online. According to claim 1, wherein the service mounted on the electronic money 10 is a digital rights authentication service of digital rights management (DRM), the digital content stored in the electronic money 10 or the communication terminal 20 The method of using electronic money through online, characterized in that the authentication of the electronic money (10) for use.

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