KR20120049089A - The local prepayment system to utilize the standardized cards issued by third parties - Google Patents

The local prepayment system to utilize the standardized cards issued by third parties Download PDF

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Publication number
KR20120049089A
KR20120049089A KR1020100110681A KR20100110681A KR20120049089A KR 20120049089 A KR20120049089 A KR 20120049089A KR 1020100110681 A KR1020100110681 A KR 1020100110681A KR 20100110681 A KR20100110681 A KR 20100110681A KR 20120049089 A KR20120049089 A KR 20120049089A
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South Korea
Prior art keywords
card
prepaid
local
chip
amount
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KR1020100110681A
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Korean (ko)
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조현준
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조현준
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Priority to KR1020100110681A priority Critical patent/KR20120049089A/en
Publication of KR20120049089A publication Critical patent/KR20120049089A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction

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

Abstract

PURPOSE: A local prepaid card payment system is provided to embody local prepaid cards by using chip ID(Identity) or card ID stored in a standard storage unit of a public standard card. CONSTITUTION: When a card reader unit(111) recognizes the chip ID or card ID of a public standard card, a local prepaid payment unit(114) controls price reduction in a local prepaid card DB(Data Base)(112). The local prepaid payment unit controls price reduction in a local prepaid card DB(Data Base) when an input unit(115) inputs prepaid amount and selects prepaid payment. The input unit includes interfaces which are able to input the amount and the prepaid payment selection.

Description

The local prepayment system to utilize the standardized cards issued by third parties}

The present invention relates to a card payment technology, and more particularly to a system and method for supporting prepaid payment without a separate card physical issue.

Recently, there are increasing cases of issuing local prepaid cards that can only be paid at their stores. From a store owner's point of view, such a local prepaid card can receive the money operating profit or the profit of a failure because the store owner receives the money paid in advance by the prepaid card buyer, compared to the general prepaid card issued by the card company. There is an advantage that the purchase can be forced in their stores as much as the prepayment. On the other hand, since it is not a universal prepaid card issued by a card company, the store owner has to bear the cost of card production. In particular, to secure the same level of anti-counterfeiting function as a general-purpose prepaid card, the cost of card materials increases, and local prepaid card production costs are very burdensome for small store owners. Therefore, the present inventors have studied a system and method for enabling a small store owner to make a local prepaid payment function capable of preventing forgery at the level of a general prepaid card without a local prepaid card production cost.

The present invention has been invented under the above-mentioned purpose, and it is possible to make a local prepaid payment using a chip ID or a card ID stored in a standardized storage location of a card issued by a third party such as a credit card company to be read by a merchant terminal. By doing so, the owner of the card merchant is able to make a local prepaid payment with a counterfeit prevention function of a general prepaid card level without a separate local prepaid card production cost.

According to an aspect of the present invention for achieving the above object, the card reader unit of the merchant terminal is unique to the chip stored in the standardized storage of the chip of the credit card, etc. issued by the third party issued by a member Read the ID (e.g., serial number), the merchant terminal operator inputs the amount prepaid from the member into the input unit of the merchant terminal and inputs the prepayment selection, the ID of the chip and the unique ID of the chip in the local prepaid card DB of the merchant terminal. When the prepaid amount is matched and stored, and then the holder of the card wants to pay from the merchant to the local prepaid card, the merchant terminal operator inputs a prepaid payment selection and prepaid amount using the input unit of the merchant terminal, When the card is presented to the card reader of the merchant terminal, the card reader reads the unique ID of the chip stored in the chip of the card, The curl prepaid payment unit may subtract the input prepaid payment amount from the prepaid balance matched to the ID of the chip in the local prepaid card DB.

According to another aspect of the invention, the card reader of the merchant terminal reads the card ID (eg, card number) stored in the chip of the third party issuance public standard card, such as credit card presented by the member, the local prepaid card DB The prepaid balance is managed in accordance with the card ID.

Therefore, the present invention does not need to purchase a separate local prepaid card material at a merchant, and various security functions designed to prevent forgery of a card ID or a unique ID of a card in a third party issuance standard card such as a credit card or a check card. There is a useful effect that you can use as is.

1 is a block diagram showing the configuration of an embodiment of a local prepaid card payment system according to the present invention.
2 is a flowchart illustrating an example of a prepaid deposit processing operation of the local prepaid card payment system shown in FIG.
FIG. 3 is a flowchart illustrating an example of a prepaid payment processing operation of the local prepaid card payment system shown in FIG. 1.
4 is a block diagram showing the configuration of an embodiment of a local prepaid card server not shown in FIG.

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.

In the following description of the present invention, when it is determined that detailed descriptions of related known functions or configurations may unnecessarily obscure the gist of the embodiments of the present invention, the detailed description thereof will be omitted.

Terms used throughout the present specification are terms defined in consideration of functions in the embodiments of the present invention, and may be sufficiently modified according to the intention, custom, etc. of a user or an operator, and the definitions of these terms are used throughout the specification. It should be made based on the contents.

1 is a block diagram showing the configuration of an embodiment of a local prepaid card payment system according to the present invention. As shown in FIG. 1, the local prepaid card payment system according to this embodiment includes an affiliated store terminal 110 and a third party issuance public specification card 120.

The affiliated store terminal 110 includes a card reader unit 111, a local prepaid card DB 112, a local prepaid payment unit 113, a local prepaid payment unit 114, and an input unit 115.

The card reader unit 111 is a chip ID stored in the chip ID storage unit 121 of the third party issued public standard card 120 presented by the local prepaid member and the card ID stored in the card ID storage unit 122 of the card. Recognize one or more of them.

According to an additional aspect of the present invention, when the card reader unit 111 recognizes the card ID stored in the card ID storage unit 122 of the third party issuance standard card 120, the third party issuance standard The card verification code stored in the card verification code storage unit 123 of the card 120 may be recognized together.

In the local prepaid card DB 112, one or more of the chip ID and the card ID and the prepaid balance are matched and stored.

According to another embodiment of the present invention, the local prepaid card DB may be configured in the local prepaid card server 130 connected to the merchant terminal and the online network, not inside the merchant terminal.

According to an additional aspect of the present invention, when the card ID is stored in the local prepaid card DB 112, the card authentication code recognized together with the card ID may be matched and stored together.

According to another additional aspect of the present invention, when the chip ID or the card ID is stored in the local prepaid card DB 112, the unique prepaid card ID selected by the card holder may be matched and stored together. The prepaid card ID is characterized in that the name, phone number or other information memorized by the third party issued public specification card holder. When the prepaid card ID is stored together with the chip ID or the card ID, the combination of the chip ID or the card ID and the prepaid card ID is recognized as the card ID. Even when IDs are stored in different card media, it is possible to distinguish between different card media in which the same chip ID or card ID is stored.

When the prepaid payment selection and the prepaid amount are input by the input unit 115 and the card reader 111 recognizes 'one or more of the chip ID and the card ID', the recognized 'chip ID' is input. And at least one of a card ID 'and the prepaid amount are controlled to be matched with each other and stored in the local prepaid card DB 112, but the prepaid amount is stored as a prepaid balance.

According to an additional aspect of the present invention, in the local prepaid portion 113, a prepaid payment selection, a prepaid amount of money and a prepaid card ID are input from the input unit 115, and the card reader 111 is selected from among chip ID and card ID. Recognizing one or more ', the at least one of the recognized' chip ID and the card ID 'and the prepaid card ID and the prepaid amount of money are matched with each other and controlled to be stored in the prepaid card DB 112. Incidentally, the prepayment amount is then stored as a prepaid balance.

According to an additional aspect of the present invention, the local prepayment unit 113 inputs a prepaid payment selection and a prepaid amount of money at the input unit 115 and the card reader 111 selects one or more of the chip ID and the card ID. If it is recognized, it is determined whether the chip ID or the card ID is already stored in the local prepaid card DB 112, and if it is already stored, the prepaid balance matching the already stored chip ID or the card ID is inputted. Control to increase the amount of the prepaid amount.

According to another embodiment of the present invention, when the local prepayment unit 113 reflects the prepaid amount in the prepaid balance of the local prepaid card DB 112 as described above, a predetermined bonus amount is added to the prepaid amount input from the input unit. Control to reflect the amount plus.

The local prepaid payment unit 114, when the prepaid selection and prepaid amount is input from the input unit 115 and the card reader 111 recognizes one or more of the chip ID and the card ID, the local prepaid card DB 112 The prepaid balance matched with the chip ID or the card ID is controlled to be reduced by the prepaid payment amount.

According to another embodiment of the present invention, the local prepaid payment unit 114, when the prepaid payment selection and prepaid amount is input from the input unit 115, and the card reader 111 recognizes the card ID and the card authentication code, The local prepaid card DB 112 determines whether the card authentication code matched with the card ID matches the recognized card authentication code, and if it is determined that the prepaid balance is reduced by the prepaid payment amount.

According to another embodiment of the present invention, the local prepaid payment unit 114, when the prepaid payment selection and prepaid amount is input from the input unit 115 and the card reader 111 recognizes the card ID and the card authentication code The card ID and the card authentication code are transmitted to a card issuer system (not shown) matched with the card ID to check whether the card ID and the card authentication code match each other, and when a reply is received, the local prepaid card is received. The DB controls the prepaid balance matching the card ID to be reduced by the prepaid amount.

According to another embodiment of the present invention, when the local prepaid portion 114 reflects the prepaid amount to the prepaid balance of the local prepaid card DB 112 as described above, a predetermined discount amount is applied to the prepaid amount input from the input unit. Control to reflect the amount deducted.

The input unit 115 includes an interface for inputting one or more of a prepaid payment selection and a prepaid payment selection and an amount of money.

The third party issuance public standard card 120 is characterized by being issued by a third party, not a local prepaid card issuer, and comprising one or more of the chip ID storage unit 121 and the card ID storage unit 122. It can be further configured to further configure the card authentication code storage unit 123. The appearance of the third-party issuance public standard card may vary from a plastic plate composed of a magnetic stripe, a plastic plate composed of a contact or RF type IC chip, and a mobile phone composed of an RF type IC chip. The purpose of issuing a standard card may be various, such as for a credit card, a check card, or an identification card.

The chip ID storage unit 121 is configured in a standardized position so that the card reader of the merchant terminal commonly used in the card merchant can be recognized, and chip identification information (eg, serial number) that is not duplicated between the produced chips is The feature is that it is stored.

The card ID storage unit 122 is configured in a standardized position so that the card reader of the merchant terminal commonly used in the card merchant can be recognized, and the card identification which is not duplicated among the issued third party public standard cards The feature is that information (eg international standard card numbers) is stored.

The card authentication code storage unit 123 stores a card authentication code that is not exposed to the appearance of the card, and whether the card authentication code matches the ID of the card can be determined by the system of the institution that issued the card. Is characteristic.

According to an additional aspect of the present invention, the card authentication code is an immutable value, and if the card authentication code is stored in the local prepaid card DB 112 together with the ID of the card, the ID of the card and the appearance of the card can be read from the appearance of the card. The unreadable card authentication code may be combined to be used as an ID of an extended card, which is more difficult to forge because it cannot be read from the appearance of the card.

The local prepaid card prepayment processing operation and the prepaid withdrawal processing operation of the local prepaid card payment system shown in FIG. 1 will be described with reference to FIGS. 2 to 4. 2 is a flowchart illustrating an example of a prepaid deposit processing operation of the local prepaid card payment system shown in FIG.

In step S210, the prepayment selection and the prepayment amount are input to the input unit 115, and in step S220, the card reader unit 111 selects the chip ID from the chip ID storage unit 121 of the third party issuance public standard card 120. Recognize.

In step S230, the local prepayment unit 113 determines whether the chip ID is already stored in the local prepaid card DB 112.

If it is determined in step S230 that the chip ID is not already stored in the local prepaid card DB 112, in step S240, the local prepaid payment unit 113 matches the recognized chip ID with the input prepaid amount. Control to be stored in the local prepaid card DB (112).

If it is determined in step S230 that the chip ID is already stored in the local prepaid card DB 112, in step S250 the local prepaid payment unit 113 stores the chip ID already stored in the local prepaid card DB 112. And control to increase the prepaid balance matched with the input prepaid amount.

FIG. 3 is a flowchart illustrating an example of a prepaid payment processing operation of the local prepaid card payment system shown in FIG. 1.

In step S310, the prepaid payment selection and prepaid payment amount are input to the input unit 115, and in step S320, the card reader unit 111 selects the chip ID from the chip ID storage unit 121 of the third party issuance public standard card 120. Recognize.

In step S330, the local prepaid payment unit 114 determines whether the chip ID is already stored in the local prepaid card DB 112.

If it is determined that the chip ID is already stored in the local prepaid card DB 112, the local prepaid payment unit 114 is matched with the chip ID already stored in the local prepaid card DB 112 in step S340. The prepaid balance is controlled to be reduced by the input prepaid amount.

4 is a block diagram showing the configuration of an embodiment of a local prepaid card server 130 not shown in FIG. As shown in FIG. 4, the local prepaid card server 130 according to this embodiment includes an affiliated store terminal transmitting and receiving unit 131, a local prepaid DB 132, and a local prepaid DB management unit 133.

The affiliated store terminal transmission and reception unit 131 transmits and receives information online with the affiliated store terminal 110.

In the local prepaid card DB 132, the "prepare one of the chip ID and the card ID" and the prepaid balance are stored.

According to an additional aspect of the present invention, when the card ID is stored in the local prepaid card DB 132, the card authentication code recognized together with the card ID is matched and stored together.

According to another additional aspect of the present invention, when the chip ID or the card ID is stored in the local prepaid card DB 132, the unique prepaid card ID selected by the card holder may be matched and stored together. The prepaid card ID is characterized in that the name, phone number or other information memorized by the third party issued public specification card holder. When the prepaid card ID is stored together with the chip ID or the card ID, the combination of the chip ID or the card ID and the prepaid card ID is recognized as the card ID. Even when IDs are stored in different card media, it is possible to distinguish between different card media in which the same chip ID or card ID is stored.

When the local prepaid DB management unit 133 receives one or more of the chip ID and the card ID and the prepaid deposit code and the prepaid amount from the merchant terminal 110, one or more of the chip ID and the card ID is the local prepaid card DB 132 Determine if it is already stored in. If it is determined that at least one of the chip ID and the card ID is not already stored in the local prepaid card DB 112, at least one of the chip ID and the card ID and the input prepaid amount are matched with each other and the local prepaid card DB 132 is controlled to be stored.

When it is determined that at least one of the chip ID and the card ID is already stored in the local prepaid card DB 132, it is matched with at least one of the chip ID and the card ID already stored in the local prepaid card DB 132. The prepaid balance is increased to increase by the input prepaid amount.

In addition, when the local prepaid DB management unit 133 receives one or more of the chip ID and the card ID, the prepaid payment code and the prepaid amount from the merchant terminal 110, one or more of the chip ID and the card ID is the local prepaid card DB ( If it is already stored in 132). When it is determined that at least one of the chip ID and the card ID is already stored in the local prepaid card DB 132, it is matched with at least one of the chip ID and the card ID already stored in the local prepaid card DB 132. The prepaid balance is controlled to be reduced by the input prepaid amount.

While the invention has been described with reference to the preferred embodiments, which are referred to by the accompanying drawings, it is apparent that various modifications are possible without departing from the scope of the invention within the scope covered by the following claims from this description. .

110: merchant terminal
111: card reader
112: local prepaid card DB
113: Local prepayment
114: Local Prepayment
115: input unit
120: Third Party Issuance Standard Card
121: chip ID storage unit
122: card ID storage unit
123: card authentication code storage unit

Claims (6)

A card reader unit for recognizing at least one of a 'chip ID stored in a chip ID storage unit' and a 'card ID stored in a card ID storage unit' of the third party issuance public specification card;
When the prepaid selection and the prepaid amount are input by the input unit and the card reader recognizes one or more of the chip ID and the card ID, the prepaid balance matching the chip ID or the card ID is reduced by the prepaid amount in the local prepaid card DB. Local prepayment unit characterized in that for controlling;
An input unit comprising an interface for inputting a prepaid payment selection and an amount;
Local prepaid card payment system, characterized in that comprising a merchant terminal comprising The method of claim 1,
The merchant terminal:
If the prepaid payment selection and the prepaid amount are input at the input unit and the card reader recognizes at least one of the chip ID and the card ID, whether the recognized 'one or more of the chip ID and the card ID' is already stored in the local prepaid card DB. If it is determined that it is not already stored, the 'one or more of the chip ID and the card ID' is matched with the prepaid amount to be stored in the local prepaid card DB, but the prepaid amount is stored in the prepaid balance memory Local prepayment, characterized in that for controlling;
Local prepaid card payment system characterized in that it further comprises The method of claim 1,
The merchant terminal:
If the prepaid payment selection and the prepaid amount are input at the input unit and the card reader recognizes at least one of the chip ID and the card ID, whether the recognized 'one or more of the chip ID and the card ID' is already stored in the local prepaid card DB. If it is determined that it is already stored, the control to increase the prepaid balance matching the one or more of the "chip ID and card ID" already stored in the local prepaid card DB by the input prepaid amount Local prepayment, characterized in that;
Local prepaid card payment system characterized in that it further comprises The method of claim 1,
The merchant terminal:
When the prepaid payment selection, the prepaid amount and the prepaid card ID are input by the input unit and the card reader recognizes one or more of the chip ID and the card ID, the recognized 'one or more of the chip ID and the card ID' and the prepaid card ID and the A local prepaid payment unit for controlling the prepaid amount to be matched with each other and stored in the prepaid card DB;
Local prepaid card payment system characterized in that it further comprises The method according to claim 1, wherein
The merchant terminal:
A local prepaid card DB, wherein at least one of the chip ID and the card ID and the prepaid balance are matched and stored;
Local prepaid card payment system characterized in that it further comprises An affiliated store terminal transmitting and receiving unit for transmitting and receiving information with the affiliated terminal online;
A local prepaid card DB in which at least one of a chip ID and a card ID is matched with a prepaid balance;
When a prepaid payment amount and at least one of the chip ID and the card ID are received from the merchant terminal, the prepaid balance matching the at least one of the chip ID and the card ID in the local prepaid card DB is reduced by the input prepaid amount. Local prepaid DB management unit to control to make;
Local prepaid card payment system, characterized in that to configure a local prepaid card server including




KR1020100110681A 2010-11-08 2010-11-08 The local prepayment system to utilize the standardized cards issued by third parties KR20120049089A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101882187B1 (en) 2018-04-30 2018-07-26 코나아이 (주) System and method for managing local voluntary development service platform

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101882187B1 (en) 2018-04-30 2018-07-26 코나아이 (주) System and method for managing local voluntary development service platform

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