KR20120002136A - Overseas electronic cash rebating apparatus and method using electronic merchandise bond - Google Patents

Overseas electronic cash rebating apparatus and method using electronic merchandise bond Download PDF

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Publication number
KR20120002136A
KR20120002136A KR1020100062870A KR20100062870A KR20120002136A KR 20120002136 A KR20120002136 A KR 20120002136A KR 1020100062870 A KR1020100062870 A KR 1020100062870A KR 20100062870 A KR20100062870 A KR 20100062870A KR 20120002136 A KR20120002136 A KR 20120002136A
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South Korea
Prior art keywords
refund
electronic money
electronic
amount
foreign
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KR1020100062870A
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Korean (ko)
Inventor
서재은
Original Assignee
에스케이플래닛 주식회사
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Priority to KR1020100062870A priority Critical patent/KR20120002136A/en
Publication of KR20120002136A publication Critical patent/KR20120002136A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L51/00—User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail
    • H04L51/04—Real-time or near real-time messaging, e.g. instant messaging [IM]
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/12—Messaging; Mailboxes; Announcements

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Signal Processing (AREA)
  • Computer Hardware Design (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

PURPOSE: An oversea electronic cash refunding device using an electronic gift certificate and a method thereof are provided to refund changes of oversea electronic cash charged in a terminal device with an electronic gift certificate which is domestically used, thereby enabling a user to domestically use the remaining oversea electronic cash. CONSTITUTION: A request receiving unit(142) receives a refund request about oversea electronic cash charged in a terminal device. A verification unit(144) verifies the oversea electronic cash in connection with an oversea electronic cash service server(166). A refund calculating unit(146) calculates refund money based on exchange rate information of a nation which issues the verified oversea electronic cash.

Description

OVERSEAS ELECTRONIC CASH REBATING APPARATUS AND METHOD USING ELECTRONIC MERCHANDISE BOND}

The present invention relates to the refund of foreign electronic money, and in particular, after receiving a request for a refund of the balance of foreign electronic money from a terminal device, after verifying the validity of the overseas electronic money through interworking with the overseas electronic money service server, The present invention relates to an apparatus and method for refunding overseas electronic money using an electronic voucher for providing a user with an electronic voucher corresponding to the amount requested for a refund.

Electronic money is an electronic payment method that can store certain money's value in digital data format such as IC card or PC, and then purchase goods and pay freight online or offline. Electronic money is widely used as a means of payment in the online market, as well as a means of paying in place of cash in the offline market.

The use of electronic money eliminates the inconvenience of holding the change, and because the payment is easy up to one won by the electronic process, the seller and the buyer can solve the inconvenience of exchanging the change. In addition, when the use of electronic money is activated, the cost of manufacturing and managing paper money or coins at the national level is significantly reduced.

Recently, as the mobile communication terminal has been widely spread and the technology has been developed, an IC chip, for example, a SIM card, which can store electronic money, is embedded in the mobile communication terminal. I'm using it. For example, a mobile communication terminal-based electronic money such as a T-cache can be put into electronic money function using a SIM card and RF function in the mobile communication terminal, and payment and charging can be made in public transportation and offline distribution stores.

As such, mobile communication-based electronic money provides convenience such as simplifying delinquency behavior and replacing after-sales transactions by using the mobile communication terminal itself as a payment method without having to carry a physical currency or a card separately. It is expanding its customers by replacing cash and plastic cards in the payment field.

Such electronic money is developed and used in the overseas market for customers in each region.It is necessary for users who travel and travel abroad through some modifications and supplementation of RF standards and application development codes through consultation with the relevant overseas operators. By providing a local electronic money application to the mobile communication terminal used in the country, it is possible to provide a convenient payment and payment service through the mobile communication terminal as in the domestic.

However, when downloading and using overseas electronic money application and returning home, if the user cannot exhaust all the money charged in local currency, there is no separate processing method for the remaining balance in the chip inside the mobile terminal. There is a problem to bear the loss.

In order to solve the above problems, the present invention is to provide an overseas electronic money refund device and method that can convert the remaining balance after using the foreign electronic money into an electronic gift certificate.

The objects of the present invention are not limited to the above-mentioned objects. Other objects and advantages of the invention will be more clearly understood by the following description.

An overseas electronic money refund apparatus using an electronic voucher according to an embodiment of the present invention, the request receiving unit for receiving a refund request for the foreign electronic money charged to the terminal device through the communication network, and the overseas electronic money service server through the communication network and A verification unit which performs verification of the foreign electronic money by interlocking, a return amount calculation unit that calculates a refund amount based on exchange rate information of the issuing country that issued the verified foreign electronic money, and the return amount calculation unit The electronic voucher corresponding to the refunded amount is provided to the user through a communication network, and the foreign electronic money charged in the terminal device is subtracted by the amount requested for the refund, and the foreign electronic money service server corresponds to the refunded amount. Payment processing unit requesting payment to the business that issued the electronic voucher It includes.

In the foreign electronic money refund device using the electronic gift certificate according to an embodiment of the present invention, the request receiving unit provides an interface for inputting the amount of the foreign electronic money to be refunded to the terminal device connected through the communication network, The electronic voucher refund request for foreign electronic money corresponding to the amount input to the interface may be received.

In the overseas electronic money refund apparatus using an electronic gift certificate according to an embodiment of the present invention, the payment processing unit excludes a predetermined amount from the refund amount as a fee, and then provides the electronic gift certificate corresponding to the refund amount excluding the predetermined amount to the user. Can provide.

In the foreign electronic money refund device using the electronic voucher according to an embodiment of the present invention, the request receiving unit provides an interface for setting the receiving method for receiving the electronic voucher in response to the request for a refund for the foreign electronic money; The payment processor may provide the electronic gift certificate to the user based on a reception method set in the interface.

In the overseas electronic money refund apparatus using an electronic gift certificate according to an embodiment of the present invention, the payment processing unit may provide the electronic gift certificate to the user's mobile communication terminal in a message form when the receiving method is a user's mobile communication terminal. have.

In the overseas electronic money refund device using an electronic voucher according to an embodiment of the present invention, the terminal device is a wired or wireless terminal connected to the electronic money balance processing device as the IC card or SIM card charged with the foreign electronic money is mounted; It may be a mobile communication terminal having an IC chip, a USIM chip, or a SIM card charged with electronic money.

In another aspect, a method for refunding an overseas electronic money using an electronic voucher according to an embodiment of the present invention includes receiving an electronic voucher refund request for an overseas electronic money charged to a terminal device through a communication network, and the overseas electronic money through the communication network. Requesting verification of the foreign electronic money by accessing a money service server; calculating a refund amount based on exchange rate information of the issuing country that issued the verified foreign electronic money in the case of the verified foreign electronic money; And issuing and providing the electronic voucher corresponding to the calculated refund amount to the user and subtracting the foreign electronic money charged in the terminal device by the amount requested for the refund, and the refund amount to the overseas electronic money service server. Requesting payment to the business entity that issued the electronic gift certificate It includes the system.

Receiving the electronic voucher refund request in the overseas electronic money refund method using the electronic voucher according to an embodiment of the present invention, input the amount of the foreign electronic money to be refunded to the terminal device connected through the communication network Providing an interface capable of receiving an interface, and receiving the electronic gift voucher refund request including the refund request amount input to the interface and the unique information of the foreign electronic money.

Subtracting the amount requested for the refund in the overseas electronic money refund method using an electronic gift certificate according to an embodiment of the present invention, after subtracting the amount set by the operator from the refund amount corresponding to the refund amount except the amount The electronic gift certificate may be provided to the user.

Receiving the electronic voucher refund request in the overseas electronic money refund method using an electronic voucher according to an embodiment of the present invention, further comprising the step of setting a receiving method for receiving the electronic voucher, the electronic voucher, It may be provided to the user based on the set receiving method.

The present invention refunds the balance of foreign electronic money charged to a terminal device to an electronic gift certificate that can be used in Korea, so that the user can use the remaining foreign electronic money in Korea after traveling or traveling abroad. There is an advantage to eliminate the loss of the user.

1 is a block diagram showing a foreign electronic money refund device and its surrounding configuration according to an embodiment of the present invention,
2 is a flowchart illustrating a process of refunding an overseas electronic money to an electronic gift certificate according to an embodiment of the present invention.

Advantages and features of the present invention, and methods for achieving them will be apparent with reference to the embodiments described below in detail in conjunction with the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as being limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of the invention to those skilled in the art. Is provided to fully convey the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. Like reference numerals refer to like elements throughout.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The following terms are defined in consideration of the functions in the embodiments of the present invention, which may vary depending on the intention of the user, the intention or the custom of the operator. Therefore, the definition should be based on the contents throughout this specification.

Combinations of each block of the accompanying block diagram and each step of the flowchart may be performed by computer program instructions. These computer program instructions may be mounted on a processor of a general purpose computer, special purpose computer, or other programmable data processing equipment such that instructions executed through the processor of the computer or other programmable data processing equipment may not be included in each block or flowchart of the block diagram. It will create means for performing the functions described in each step. These computer program instructions may be stored in a computer usable or computer readable memory that can be directed to a computer or other programmable data processing equipment to implement functionality in a particular manner, and thus the computer usable or computer readable memory. It is also possible for the instructions stored in to produce an article of manufacture containing instruction means for performing the functions described in each block or flowchart of each step of the block diagram. Computer program instructions may also be mounted on a computer or other programmable data processing equipment, such that a series of operating steps may be performed on the computer or other programmable data processing equipment to create a computer-implemented process to create a computer or other programmable data. Instructions that perform processing equipment may also provide steps for performing the functions described in each block of the block diagram and in each step of the flowchart.

In addition, each block or step may represent a portion of a module, segment or code that includes one or more executable instructions for executing a specified logical function (s). It should also be noted that in some alternative embodiments, the functions mentioned in the blocks or steps may occur out of order. For example, the two blocks or steps shown in succession may in fact be executed substantially concurrently or the blocks or steps may sometimes be performed in the reverse order, depending on the functionality involved.

An embodiment of the present invention describes an overseas electronic money refund apparatus and method for refunding an overseas electronic money balance charged in a user terminal device to an electronic gift certificate.

Hereinafter, with reference to the accompanying drawings will be described an embodiment of the present invention;

1 is a block diagram illustrating an electronic money refund device and a peripheral configuration thereof according to an embodiment of the present invention. The terminal device 100, the communication network 120, the overseas electronic money refund device 140, and the overseas electronic money service server are shown in FIG. 160.

The terminal device 100 is a wired / wireless terminal on which a medium including an overseas electronic money is charged, for example, a medium including an IC card, a SIM card, or the like, or a mobile communication in which a separate IC chip, a USIM chip, or a SIM card is mounted. It may be a terminal or the like. The terminal device 100 accesses the overseas electronic money refund device 140 through the communication network 120 to return the charged overseas electronic money as an electronic gift certificate. That is, as the medium is mounted on the terminal, the mobile terminal is connected to the overseas electronic money refund device 140 using a communication module (not shown), or the mobile communication terminal is connected to the overseas electronic money through the wireless communication network 120 according to a user's operation. The refund device 140 is connected.

The overseas electronic money refund device 140 is for refunding the foreign electronic money charged in the terminal device 100 to the electronic voucher according to the request of the terminal device 100. For this purpose, the request receiving unit 142 and the verification unit 144 are provided. ), A refund amount calculation unit 146, a payment processing unit 148, and an electronic gift certificate database 150.

When the request receiving unit 142 receives a refund request for foreign electronic money from the terminal device 100, the request receiving unit 142 provides an interface for inputting an amount of foreign electronic money to be refunded to the terminal device 100, and through the interface. Receive a refund request for foreign electronic money corresponding to the entered amount. On the other hand, the request receiving unit 142 receives the unique information of the foreign electronic money when receiving a refund request for the foreign electronic money, the unique information of the foreign electronic money is unique information given by the foreign electronic money service server 160, It can be used to verify the validity of foreign electronic money.

Meanwhile, the request receiving unit 142 provides an interface for setting a method of receiving an electronic gift certificate when a request for refund of foreign electronic money is received, wherein the method uses a method of receiving by using a mobile communication terminal or an e-mail. And a method of receiving the same.

The refund request for the foreign electronic money received by the request receiver 142 may be processed by the verification unit 144, the refund amount calculation unit 146, and the payment processing unit 148.

The verification unit 144 transmits the unique information received from the terminal device 100 when requesting a refund for the overseas electronic money to the overseas electronic money service server 160 through the communication network 120, and then requests for validation. The validity of the overseas electronic money requested by the user for refund is verified based on the response message.

The refund amount calculator 146 calculates the refund amount based on the exchange rate information of the issuing country that issued the verified foreign electronic money and provides it to the payment processor 148. Here, the exchange rate information may be determined based on the information provided from the exchange rate providing server through interlocking with an exchange rate providing server (not shown) in real time through an input of an administrator who manages the overseas electronic money refund device 140.

The payment processing unit 148 retrieves the electronic gift certificate corresponding to the refund amount calculated by the refund amount calculating unit 146 from the electronic gift certificate database 150 and provides it to the terminal device 100 and to the terminal device 100. Subtract the charged foreign electronic money by the amount requested for a refund, and request the foreign electronic money service server 160 to pay the refund amount to the operator who issued the electronic gift certificate. That is, the payment processing unit 148 provides the terminal device 100 with a message including the amount requested for the refund in the case of the overseas electronic money that has been validated by the verification unit 144, and thus the terminal device 100 receives the overseas payment. Subtract the amount requested for the refund from the medium filled with electronic money.

On the other hand, when the payment processing unit 148 searches for the electronic voucher for the refund amount, after excluding the predetermined amount from the refund amount as a fee, the electronic voucher database 150 searches for the electronic voucher corresponding to the refund amount without the predetermined amount. The searched electronic voucher is provided to the terminal device 100.

When providing the electronic voucher to the terminal device 100, the payment processing unit 148 may provide the electronic voucher based on the method set through the interface provided by the request receiving unit 142, for example, When the method is a mobile communication terminal, an SMS or MMS message may be transmitted through the wireless communication network 120 to provide an image including the unique information of the electronic gift certificate or the unique information of the electronic gift certificate to the user's mobile communication terminal. In addition, when the method set through the interface is an email, the message or a unique number of the electronic gift certificate for receiving the electronic gift certificate through the wired communication network 120 may be transmitted to the user's email address.

The electronic voucher database 150 stores electronic vouchers issued by a plurality of businesses and information on the companies that issued each electronic voucher, such as a bank account and a business registration number.

In an embodiment of the present invention, the electronic gift certificate may include a cash balance through an alliance with a domestic electronic money or a financial service provider that can be used in Korea, and a network cache by other alliance.

The overseas electronic money service server 160 is a server on the web operated by an overseas electronic money service provider. The overseas electronic money service server 160 compares the unique information provided in the validation request for the overseas electronic money issued by the foreign electronic money service with the information stored therein. It validates and directs the operator to transfer the refunded amount to the financial related server according to the payment request.

According to an embodiment of the present invention, by refunding the balance of the overseas electronic money charged in the terminal device 100 to an electronic gift certificate that can be used in the country, the user can use the remaining foreign electronic money in Korea after traveling or traveling abroad. Available at

A process of refunding the foreign electronic money to the electronic gift certificate by the overseas electronic money refund device 140 having the above configuration will be described with reference to FIG. 2.

2 is a flowchart illustrating a process of refunding foreign electronic money according to an embodiment of the present invention.

First, a user installs a medium charged with foreign electronic money in the terminal device 100 or receives a refund through the communication network 120 to receive a refund of the foreign electronic money charged in a chip of the mobile communication terminal which is the terminal device 100. The electronic money refund device 140 is connected.

Accordingly, the request receiving unit 142 of the overseas electronic money refund device 140 receives the overseas electronic money refund request including the balance information of the overseas electronic money, the unique information of the foreign electronic money, and the like (S200). That is, the terminal device 100 requests a refund of the overseas electronic money refund request including the balance information of the overseas electronic money, the unique information of the foreign electronic money, and the like through the communication network 120. Will be sent to.

On the other hand, the request receiving unit 142 may provide an interface for inputting the electronic voucher receiving method and the amount to be refunded as the terminal device 100 is connected through the communication network 120.

Thereafter, the verification unit 144 requests the validation of the overseas electronic money service server 160 by providing the unique information of the foreign electronic money received through the request receiving unit 142 and the amount of the refund request to the overseas electronic money service server 160 through the communication network 120. And, based on the response message according to the request to verify the validity of the foreign currency received the refund request (S202). In other words, the overseas electronic money service server 160, which has been requested to be validated, verifies the response message after comparing the unique information of the foreign electronic money with the information of the foreign electronic money issued by the verification unit 144. In addition, the verification unit 144 verifies the validity of the foreign electronic money received a refund request using the response message.

As a result of the verification in S202, when the foreign currency requested for refund is valid, the refund amount calculation unit 146 calculates a refund amount for the refund amount based on exchange rate information of the issuing country that issued the foreign electronic money (S204). That is, the refund amount calculator 146 calculates the refund amount by converting the refund amount of the foreign electronic money into the won value.

Then, the payment processing unit 148 searches the electronic voucher corresponding to the refund amount in the electronic gift voucher database 150 and provides the searched electronic voucher to the user and deducts the foreign electronic money by the amount requested for the refund. 100).

The terminal device 100 receiving the deduction request receives a deduction command from the payment processing unit 148 and deducts the amount of the refund request from the foreign electronic money (S206).

The method of providing the electronic voucher to the user by the payment processing unit 148 is determined based on the set receiving method of the interface provided by the request receiving unit 142. The receiving method is a mobile phone terminal, that is, a telephone number of the mobile communication terminal. In this case, the electronic gift certificate may be provided to the user's mobile communication terminal in the form of an SMS or MMS message. When the receiving method is an email address, the electronic gift certificate may be provided to the user by transmitting the electronic gift certificate to the user's email address. In this case, when the electronic voucher is provided in the form of an SMS or MMS message, only the unique number of the electronic voucher may be provided to the mobile communication terminal, or an image including the unique number of the electronic voucher may be included in the MMS message and provided to the mobile communication terminal. have.

Then, the payment processing unit 148 requests payment to the foreign electronic money service server 160 via the communication network 120 to pay the refund amount to the operator who issued the electronic voucher, that is, the account number of the operator, refund amount, overseas The payment request message including the unique information of the electronic money is transmitted to the overseas electronic money service server 160. Accordingly, the foreign electronic money service server 160 instructs any financial institution server (not shown) to transfer the refund amount from its account to the operator's account, thereby processing a payment request and providing a response message thereto. It transmits to the processing part 148.

Thus, according to the embodiment of the present invention, by providing a foreign electronic money refund device 140 that can convert the remaining balance after using the foreign electronic money into an electronic gift certificate, it is possible to eliminate the financial loss of the user.

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, You will understand. For example, those skilled in the art can change the material, size, etc. of each component according to the application field, or combine or replace the disclosed embodiments in a form that is not clearly disclosed in the embodiments of the present invention, but this also It does not depart from the scope of the invention. Therefore, it should be understood that the above-described embodiments are to be considered in all respects as illustrative and not restrictive, and that these modified embodiments are included in the technical idea described in the claims of the present invention.

100: terminal device
120: wired and wireless communication network
140: electronic money service server
160: overseas electronic money service server

Claims (10)

A request receiving unit for receiving a refund request for overseas electronic money charged to a terminal device through a communication network;
A verification unit which performs verification of the foreign electronic money by interworking with an overseas electronic money service server through the communication network;
A return amount calculation unit for calculating a refund amount based on exchange rate information of the issuing country that issued the verified foreign electronic money;
The electronic gift certificate corresponding to the refund amount calculated by the return amount calculation unit is provided to the user through a communication network, and the foreign electronic money charged in the terminal device is subtracted by the amount requested for the refund, and the foreign electronic money service server A payment processing unit for requesting payment to the business that issued the electronic gift certificate corresponding to the refund amount.
Overseas electronic money refund system using electronic gift certificates.
The method of claim 1,
The request receiving unit,
Providing an interface for inputting the amount of the foreign electronic money to be refunded to the terminal device connected through the communication network, and receiving the electronic gift certificate refund request for the foreign electronic money corresponding to the amount entered in the interface; doing
Overseas electronic money refund system using electronic gift certificates.
The method of claim 1,
The payment processing unit, after excluding a predetermined amount from the refund amount as a fee, provides the electronic voucher corresponding to the refund amount excluding the predetermined amount to the user.
Overseas electronic money refund system using electronic gift certificates.
The method according to claim 1 or 3,
The request receiving unit provides an interface for setting a receiving method for receiving the electronic gift certificate as a request for refund of the foreign electronic money is received.
The payment processing unit may provide the electronic gift certificate to the user based on a reception method set in the interface.
Overseas electronic money refund system using electronic gift certificates.
The method of claim 4, wherein
The payment processing unit may provide the electronic gift certificate to the user's mobile communication terminal in a message form when the receiving method is the user's mobile communication terminal.
Overseas electronic money refund system using electronic gift certificates.
The method of claim 1,
The terminal device is a wired / wireless terminal connected to the electronic money balance processing device as the IC card or SIM card charged with the foreign electronic money is loaded, or a mobile device including an IC chip, USIM chip or SIM card charged with electronic money. Communication terminal
Overseas electronic money refund system using electronic gift certificates.
Receiving an electronic gift voucher refund request for foreign electronic money charged to a terminal device through a communication network;
Requesting verification of the foreign electronic money by accessing an overseas electronic money service server through the communication network;
Calculating a refund amount based on exchange rate information of the issuing country that issued the verified foreign electronic money in the case of the verified foreign electronic money;
Issuing and providing an electronic gift certificate corresponding to the calculated refund amount to a user, and subtracting the foreign electronic money charged in the terminal device by the amount requested for the refund;
Requesting the foreign electronic money service server to pay the refunded amount to a business that issued the electronic gift certificate.
How to refund overseas electronic money using electronic gift certificates.
The method of claim 7, wherein
Receiving the electronic gift voucher refund request,
Providing an interface for inputting an amount of the foreign electronic money to be refunded to the terminal device connected through the communication network;
Receiving the electronic gift voucher refund request including the refund request amount input into the interface and the unique information of the foreign electronic money;
How to refund overseas electronic money using electronic gift certificates.
The method of claim 7, wherein
Subtracting the amount requested for the refund may include subtracting the amount set by the operator from the refund amount and providing the electronic voucher corresponding to the refund amount excluding the amount to the user.
How to refund overseas electronic money using electronic gift certificates.
The method according to claim 7 or 10,
Receiving the electronic gift voucher refund request,
Setting a receiving method for receiving the electronic gift certificate,
The electronic gift certificate is provided to the user based on the set receiving method.
How to refund overseas electronic money using electronic gift certificates.
KR1020100062870A 2010-06-30 2010-06-30 Overseas electronic cash rebating apparatus and method using electronic merchandise bond KR20120002136A (en)

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Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101504663B1 (en) * 2013-02-14 2015-03-30 주식회사 케이티 Method and apparatus for providing domestic transit card service subscriber with overseas transit card service
US9928496B2 (en) 2013-01-30 2018-03-27 Kt Corporation Generating a temporal physical payment card
US9978056B2 (en) 2013-02-14 2018-05-22 Kt Corporation Smart card having multiple payment instruments
US10007873B2 (en) 2012-07-27 2018-06-26 Kt Corporation Multifunction smart card

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10007873B2 (en) 2012-07-27 2018-06-26 Kt Corporation Multifunction smart card
US9928496B2 (en) 2013-01-30 2018-03-27 Kt Corporation Generating a temporal physical payment card
KR101504663B1 (en) * 2013-02-14 2015-03-30 주식회사 케이티 Method and apparatus for providing domestic transit card service subscriber with overseas transit card service
US9978056B2 (en) 2013-02-14 2018-05-22 Kt Corporation Smart card having multiple payment instruments

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