KR20120138212A - Reserving service method for small money using a mobile terminal - Google Patents

Abstract

PURPOSE: A balance accumulation service method by using a mobile terminal is provided to prevent the inconvenience of storing coins in offline by accumulating the coins in online by using the mobile terminal. CONSTITUTION: A mobile terminal receives balance information from a customer(210). The mobile terminal recognizes member store identification information(220). The mobile terminal acquires customer identification information(230). The mobile terminal balance accumulation request information to an accumulation execution server(240). The accumulation execution server accumulates a balance amount included in the balance information in an electronic coin wallet corresponding to the customer identification information(250). [Reference numerals] (210) A mobile terminal receives balance information from a customer; (220) The mobile terminal recognizes customer identification information; (230) The mobile terminal acquires the customer identification information; (232) The mobile terminal receives signature information from the customer; (240) The mobile terminal transmits balance accumulation request information including balance information, member store identification information, and the customer identification information to an accumulation execution server; (242) The accumulation execution server authenticates a user corresponding to the customer identification information in the accumulation request information; (244) The accumulation execution server authenticates a member store corresponding to member store identification information in the accumulation request information; (250) The accumulation execution server processes the accumulation of balance for an electronic coin purse corresponding to the customer identification information; (252) The accumulation execution server stores balance accumulation records; (260) The accumulation execution server transmits processing result information of balance accumulation to the mobile terminal requesting the balance accumulation; (AA) Start; (BB) End

Description

Reserving service method for small money using a mobile terminal}

The present invention relates to a balance accumulation technology, and more particularly, to a balance accumulation service method using a mobile terminal.

It is very inconvenient to carry or store coins in case of cash change in exchange for the purchase of goods or services offline. It would be very convenient to earn coins that are inconvenient to hold or store offline.

Conventional balance accumulating technology was a balance accumulating technology using a POS terminal described in Korea Patent Publication No. 10-2010-0118895 (2010. 11. 08). On the contrary, the present inventors have studied a technology for improving user convenience by accumulating coins, which are inconvenient to possess or store, online, using mobile terminals, such as smartphones, which are easy for the user to carry.

Domestic Publication No. 10-2010-0118895 (2010. 11. 08)

The present invention has been invented under the above-mentioned object, and a balance earning service method using a mobile terminal, which allows a user to accumulate coins, which are inconvenient to possess or store, online, using a mobile terminal such as a smartphone that is easy to carry. The purpose is to provide.

According to an aspect of the present invention for achieving the above object, the present invention transmits the balance information input using the mobile terminal and the merchant identification information recognized by the mobile terminal with the customer identification information to the network; If the balance is requested to accumulate, the earning server is characterized in that the processing to accumulate the balance in the coin purse matched with the customer identification information.

The present invention by using a mobile terminal, such as a smart phone that the user is easy to carry by offline earning coins that are inconvenient to hold or store on-line, so that the user can prevent the inconvenience of having or holding a coin offline, the user Convenience can be improved.

1 is a system overview for the balance accumulation service using a mobile terminal.
2 is a flowchart illustrating an embodiment of a balance earning service method using a mobile terminal according to the present invention.
3 is a block diagram showing the configuration of an embodiment of a mobile terminal for the balance accumulation service.
Figure 4 is a block diagram showing the configuration of an embodiment of a earning performing server for the balance earning service.
Figure 5 is a block diagram showing the configuration of another embodiment of a earning performing server for the balance earning service.

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, detailed descriptions of well-known functions or configurations will be omitted if it is determined that the detailed description of the embodiments of the present invention may unnecessarily obscure the gist of the present invention.

The 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 the user or operator, and the definitions of these terms are used throughout the specification. It should be made based on the contents.

1 is a system overview for the balance accumulation service using a mobile terminal. As shown in FIG. 1, the system for accumulating balances using a mobile terminal includes a mobile terminal 10, a earning performing server 20, and an affiliated store terminal 30.

The mobile terminal 10 transmits the balance accumulation request information including the balance information, the affiliated store identification information, and the customer identification information to the network-based accumulation execution server 20 according to the request of the customer.

The accumulation performing server 20 reflects the amount included in the balance information in the electronic coin purse matched with the customer identification information in accordance with the request to accumulate the balance from the mobile terminal 10, and processes the result of the mobile terminal 10 To send).

The affiliated store terminal 30 may hold affiliated store identification information, and the affiliated store identification information may be recognized by the mobile terminal 10 and included in the balance accumulation request information and transmitted to the accumulation performing server 20.

The balance described throughout the present invention refers to a coin change that occurs when a customer pays cash in exchange for purchasing a product or service at an offline merchant, and a coin held or stored by the customer offline. It can also cover banknotes.

2 is a flowchart illustrating an embodiment of a balance earning service method using a mobile terminal according to the present invention. When the customer pays cash or cash in exchange for purchasing goods or services at an affiliated store, or the customer possesses a coin, the customer accumulates the balance mounted on the mobile terminal 10 possessed by the customer. Start the software for the service request to request the balance earned to the earning server 20.

First, in the balance information input step 210, the mobile terminal receives the balance information from the customer. For example, the mobile terminal may provide a user interface for inputting balance information including a balance amount to be accumulated by the mobile terminal, and may be implemented to receive the balance information.

Then, in the affiliated store identification information recognition step 220, the mobile terminal recognizes the affiliated store identification information. At this time, the affiliated store identification information may be a unique merchant ID for identifying the affiliated store, which is uniquely assigned to each affiliated store, a one-time password (OTP), authentication value, random number, Cryptogram, Transaction-releated Data, validity period for non repudiation There may be further included merchant authentication information such as merchant code, merchant certificate and server certificate.

The one-time password (OTP), authentication value, random number, Cryptogram, Transaction-releated Data for the non-repudiation is an IC such as a USB security token or a contact card or a contactless card or a contact / contactless public card owned by the merchant terminal or the merchant. Can be generated by a chip.

The merchant password having the validity period may be issued by the earning server. The merchant authorized certificate may be issued by an authorized certification authority, the server certificate may be issued by the earning server.

The merchant authentication information is generated by using an authentication algorithm in an IC chip such as a one-time password (OTP), a USB security token or a contact card or a contactless card or a contact / contactless public card connected to the merchant terminal. When it is issued with a different value every time, the affiliated store identification information including the affiliated store ID and the affiliated store authentication information becomes the dynamic affiliated store identification information.

When the affiliated store authentication information maintains the same value for a predetermined period such as an affiliated store password, an affiliated store authorized certificate, and a server certificate, the affiliated store identification information including the affiliated store ID and the affiliated store authentication information becomes a static affiliated store identification information.

Meanwhile, the affiliated store identification information may be implemented in the form of a QR code or a barcode, or may be implemented in the form of electronic data stored in an IC chip such as a contactless card, a contact / contactless public card (combi card, dual interface card) or an RFID tag. It may be implemented in the form of electronic data stored in the wireless dongle device.

In contrast, the contact / contactless public card, QR code, and one-time password token (OTP Token) are implemented in the form of one integrated card, so that the merchant identification information is selectively recognized by the mobile terminal possessed by the customer. May be

For example, when the affiliated store identification information is implemented in the form of a QR code, the QR code may be attached to the outside of the affiliated store terminal or may be stored in an electronic data format inside the affiliated store terminal and displayed on a screen display device or a sign pad. In this case, in the affiliated store identification information recognition step 220, the mobile terminal may be implemented to recognize the affiliated store identification information from the QR code photographed by the camera mounted on the mobile terminal.

At this time, the merchant identification information is stored in the IC chip such as the merchant ID and one-time password (OTP) or USB security token or contactless card, contact / contactless public card (combi card, dual interface card) or RFID tag connected to the merchant terminal. In the case of dynamic merchant identification information including the authentication value generated using the authentication algorithm, a one-time password (OTP) is generated by the merchant terminal to form a QR code together with the merchant ID, or USB security connected to the merchant terminal. An authentication value is generated using an authentication algorithm in an IC chip such as a token or a contactless card, a contact / contactless public card (combi card, a dual interface card), or an RFID tag to form a QR code together with the merchant ID.

Meanwhile, when the affiliated store identification information is implemented in the form of a bar code, the bar code may be attached to the outside of the affiliated store terminal, or may be stored in an electronic data format inside the affiliated store terminal and displayed on a screen display device or a sign pad. In this case, in the affiliated store identification information recognition step 220, the mobile terminal may be implemented to recognize the affiliated store identification information from a bar code photographed by a camera mounted on the mobile terminal.

At this time, the merchant identification information is stored in the IC chip such as the merchant ID and one-time password (OTP) or USB security token or contactless card, contact / contactless public card (combi card, dual interface card) or RFID tag connected to the merchant terminal. In the case of dynamic merchant identification information including an authentication value generated using an authentication algorithm, a one-time password (OTP) is generated by the merchant terminal to form a barcode with the merchant ID, or a USB security token connected to the merchant terminal. Alternatively, an authentication value is generated using an authentication algorithm in an IC chip such as a contactless card, a contact / contactless common card (combi card, a dual interface card), or an RFID tag to form a barcode form with an affiliated store ID.

On the other hand, if the merchant identification information is implemented in the form of electronic data stored in the IC card of the contactless card or contact / contactless contact card or RFID tag, in the merchant identification information recognition step 220, the mobile terminal is provided with the merchant contact card or It can be implemented to recognize merchant identification information and authentication information (random number, Cryptogram, Transaction-releated Data, etc.) from the IC chip of the contact / contactless public card or RFID tag.

At this time, the merchant ID and authentication information (random number, Cryptogram, Transaction-releated Data, etc.) may be stored as the merchant identification information on the IC chip of the contactless card or the contact / contactless public card or the RFID tag.

Meanwhile, when the affiliated store identification information is implemented in the form of electronic data stored in the wireless dongle device, the mobile terminal may be implemented to wirelessly receive the affiliated store identification information from the wireless dongle device (not shown) provided in the affiliated store.

At this time, the merchant identification information is stored in the IC chip such as the merchant ID and one-time password (OTP) or USB security token or contactless card, contact / contactless public card (combi card, dual interface card) or RFID tag connected to the merchant terminal. In the case of dynamic merchant identification information including an authentication value generated using an authentication algorithm, a one-time password (OTP) is generated by the merchant terminal and stored in a wireless dongle device with the merchant ID, or connected to the merchant terminal. An authentication value may be generated using an authentication algorithm in an IC chip such as a token or a contactless card, a contact / contactless public card (combi card, a dual interface card), or an RFID tag, and stored in the wireless dongle device along with the merchant ID.

Then, in the customer identification information acquisition step 230, the mobile terminal acquires customer identification information. At this time, the customer identification information is the customer's balance accumulation service access ID or post-paid or prepaid card information such as a customer's credit card, or a unique number such as a phone number for identifying a mobile terminal, an ESN, or a USIM serial number. Information.

For example, when the customer identification information is the balance accumulation service access ID of the customer, the mobile terminal provides a user interface for inputting the balance accumulation service access ID in the customer identification information acquisition step 230, and thereby the balance accumulation service from the customer. The access ID may be input as the customer identification information to acquire the customer identification information.

For example, when the customer identification information is postpaid or prepaid card information such as a credit card possessed by the customer, in the customer identification information acquisition step 230, the mobile terminal reads the card information of the customer stored in advance from the memory to identify the customer. It can be implemented to obtain information.

For example, when the customer identification information is unique identification information such as a phone number capable of identifying the mobile terminal, an ESN, or a USIM serial number, the mobile terminal is obtained from the mobile terminal itself or the USIM chip in the customer identification information acquisition step 230. It can be implemented to obtain the customer identification information by detecting the unique identification information that can identify the mobile terminal.

Next, the balance information input by the mobile terminal in the balance information input step 210, the merchant identification information recognized by the affiliate store identification information recognition step 220, and the customer in the balance accumulation request step 240; The balance accumulation request information including the customer identification information acquired by the identification information acquisition step 230 is transmitted to the accumulation performing server.

The balance accumulation request information including the balance information, the merchant identification information, and the customer identification information transmitted from the mobile terminal is transmitted to the accumulation performance server through the network. Then, the accumulation performing server receiving the balance accumulation request information transmitted by the balance accumulation request step 240 accumulates the balance in the electronic coin purse corresponding to the customer identification information in the balance accumulation request information in the balance accumulation processing step 250. Process to accumulate the balance amount included in the balance information in the request information.

At this time, the electronic coin purse is an intangible reserve database, may be financial account information matched with customer identification information, may be earned points matched with customer identification information, the electronic coin purse itself may be a rechargeable card.

If the electronic coin purse is financial account information matched with the customer identification information, the earning management server and the balance management server for the customer authentication processing and balance accumulation request information relay and the balance is accumulated in the financial account matched with the customer identification information It can be implemented by separating the earning processing server.

On the other hand, the earning server may be implemented as one server for performing the balance accumulation in the earning points matched with the customer authentication process and customer identification information, if the electronic coin purse is matching points with the customer identification information.

On the other hand, the earning server may be implemented in the form of a charging device that charges the balance directly on the rechargeable card carried by the customer when the electronic coin purse itself is a rechargeable card.

When the balance is accumulated by the balance accumulation processing step 250, the accumulation performing server transmits the balance accumulation processing result information to the mobile terminal which has requested the corresponding balance accumulation in the processing result transmission step 260. Accordingly, the mobile terminal receives the balance accumulation processing result information so that the customer can know the balance accumulation processing result.

Therefore, the present invention by using a mobile terminal, such as a smart phone that the user is easy to carry offline by earning coins that are inconvenient to hold or store on-line, so that the user can prevent the inconvenience of holding or storing coins on-line Therefore, the user's convenience can be improved.

On the other hand, according to an additional aspect of the present invention, the balance accumulation service method using the mobile terminal may further include a signature information input step (232). In the signature information input step 232, the mobile terminal receives signature information from a customer.

The signature information input from the customer by the signature information input step 232 is included in the balance accumulation request information in the balance accumulation request step 240 and transmitted to the accumulation performing server.

For example, if the mobile terminal of the customer is a smart phone with a touch screen, in the signature information input step 232, the mobile terminal provides a user interface for inputting customer signature information, thereby implementing signature information from the customer. Can be. In other words, this embodiment is an embodiment that receives the signature information from the customer to be sent to the earning server to be used as identity data later if necessary.

Meanwhile, according to an additional aspect of the present invention, the balance accumulation service method using the mobile terminal may further include a user authentication step 242 before the balance accumulation processing step 250. In the user authentication step 242, the earning server performs authentication for the user corresponding to the customer identification information in the balance accumulation request information.

For example, in the user authentication step 242, the earning server may be implemented to perform user authentication for the user corresponding to the customer identification information by comparing the customer identification information transmitted from the mobile terminal and the previously stored user information.

Meanwhile, according to an additional aspect of the present invention, the balance accumulation service method using the mobile terminal may further include an affiliate store authentication step 244 before the balance accumulation processing step 250. In the affiliated store authentication step 244, the accumulation performing server authenticates the affiliated store corresponding to the affiliated store identification information in the balance accumulation request information.

At this time, the merchant identification information is a unique merchant ID for identifying the merchant, a one-time password for non-repudiation (OTP) or a USB security token or contact card or contactless card or contact / contactless public card connected with the merchant terminal. In the case of the dynamic merchant identification information including the authentication value generated using the authentication algorithm in the IC chip, such as, the merchant performing identification in the merchant authentication step 244, the merchant ID included in the dynamic merchant identification information and pre-stored merchant identification It can be implemented to perform the merchant authentication procedure by comparing the information.

In addition, the earning server performs the merchant non-repudiation procedure by comparing the one-time password (OTP) included in the dynamic merchant identification information with the one-time password (OTP) generated by applying the same seed value, or to the received dynamic merchant identification information. An authentication algorithm in an IC chip, such as an included USB security token or a contact card or a contactless card or a contact / contactless public card, may be implemented to perform a merchant non-repudiation procedure.

Meanwhile, according to an additional aspect of the present invention, the balance accumulation service method using the mobile terminal may further include a balance accumulation history storage step 252. In the balance accumulation history storage step 252, the accumulation performing server may manage the balance accumulation history by storing the balance accumulation history after the balance accumulation processing by the balance accumulation processing step 250.

The configuration of the mobile terminal for the balance earning service provided by the method for accumulating the balance using the mobile terminal as described above and the performing server configuration will be described with reference to FIGS. 3 to 5.

3 is a block diagram showing the configuration of an embodiment of a mobile terminal for the balance accumulation service. As shown in FIG. 3, the mobile terminal 10 according to this embodiment includes a balance information input unit 11, a merchant identification information recognition unit 12, a balance accumulation request unit 13, and a result information receiving unit ( 14).

The balance information input unit 11 receives the balance information. When a customer pays a cash change in exchange for purchasing a product or service at an offline merchant, or if a customer who owns a coin wants it, he or she wants to earn a balance on the mobile terminal owned by the customer. The software is started to receive a balance amount as balance information through the balance information input unit 11.

The affiliated store identification information recognition unit 12 recognizes affiliated store identification information. At this time, the affiliated store identification information may be a unique merchant ID for identifying the affiliated store, which is uniquely assigned to each affiliated store, a one-time password (OTP), authentication value, random number, Cryptogram, Transaction-releated Data, validity period for non repudiation There may be further included merchant authentication information such as merchant code, merchant certificate and server certificate.

The one-time password (OTP), authentication value, random number, Cryptogram, Transaction-releated Data for non-repudiation is a USB security token or contact card or contactless card or contact / contactless card owned by the merchant terminal 30 or the merchant It can be produced by an IC chip such as. The merchant password having the validity period may be issued by the earning performing server 20. The merchant authorized certificate may be issued by an authorized certification authority, the server certificate may be issued by the earning performing server 20.

Meanwhile, the affiliated store identification information may be implemented in the form of a QR code or a barcode, or may be implemented in the form of electronic data stored in an IC chip such as a contactless card, a contact / contactless public card (combi card, dual interface card) or an RFID tag. It may be implemented in the form of electronic data stored in the wireless dongle device.

In contrast, the contact / contactless public card, QR code, and one-time password token (OTP Token) are implemented in the form of one integrated card, so that the merchant identification information is selectively recognized by the mobile terminal possessed by the customer. May be

For example, when the affiliated store identification information is implemented in the form of a QR code, the QR code may be attached to the outside of the affiliated store terminal or may be stored in an electronic data format inside the affiliated store terminal and displayed on a screen display device or a sign pad. In this case, the affiliated store identification information recognizing unit 12 may be a QR code recognition module for recognizing the affiliated store identification information from the QR code photographed by the camera of the mobile terminal possessed by the customer.

At this time, the merchant identification information is stored in the IC chip such as the merchant ID and one-time password (OTP) or USB security token or contactless card, contact / contactless public card (combi card, dual interface card) or RFID tag connected to the merchant terminal. In the case of dynamic merchant identification information including the authentication value generated using the authentication algorithm, a one-time password (OTP) is generated by the merchant terminal to form a QR code together with the merchant ID, or USB security connected to the merchant terminal. An authentication value is generated using an authentication algorithm in an IC chip such as a token or a contactless card, a contact / contactless public card (combi card, a dual interface card), or an RFID tag to form a QR code together with the merchant ID.

Meanwhile, when the affiliated store identification information is implemented in the form of a bar code, the bar code may be attached to the outside of the affiliated store terminal, or may be stored in an electronic data format inside the affiliated store terminal and displayed on a screen display device or a sign pad. In this case, the affiliated store identification information recognizing unit 12 may be a barcode recognition module for recognizing affiliated store identification information from a barcode photographed by a camera of a mobile terminal possessed by a customer.

At this time, the merchant identification information is stored in the IC chip such as the merchant ID and one-time password (OTP) or USB security token or contactless card, contact / contactless public card (combi card, dual interface card) or RFID tag connected to the merchant terminal. In the case of dynamic merchant identification information including an authentication value generated using an authentication algorithm, a one-time password (OTP) is generated by the merchant terminal to form a barcode with the merchant ID, or a USB security token connected to the merchant terminal. Alternatively, an authentication value is generated using an authentication algorithm in an IC chip such as a contactless card, a contact / contactless common card (combi card, a dual interface card), or an RFID tag to form a barcode form with an affiliated store ID.

* On the other hand, if the merchant identification information is implemented in the form of electronic data stored in the IC card of the contactless card or contact / contactless public card or RFID tag, the merchant identification information recognition unit 12 is a contactless card or contact provided to the merchant It may be a wireless recognition module for recognizing merchant identification information and authentication information (random number, Cryptogram, Transaction-releated Data, etc.) from the IC chip of the contactless public card or RFID tag.

At this time, the merchant ID and authentication information (random number, Cryptogram, Transaction-releated Data, etc.) may be stored as the merchant identification information on the IC chip of the contactless card or the contact / contactless public card or the RFID tag.

Meanwhile, when the affiliated store identification information is implemented in the form of electronic data stored in the wireless dongle device, the affiliated store identification information recognizing unit 12 receives the affiliated store identification information from the wireless dongle device (not shown) provided in the affiliated store. It may be a receiving module.

At this time, the merchant identification information is stored in the IC chip such as the merchant ID and one-time password (OTP) or USB security token or contactless card, contact / contactless public card (combi card, dual interface card) or RFID tag connected to the merchant terminal. In the case of dynamic merchant identification information including an authentication value generated using an authentication algorithm, a one-time password (OTP) is generated by the merchant terminal and stored in a wireless dongle device with the merchant ID, or connected to the merchant terminal. An authentication value may be generated using an authentication algorithm in an IC chip such as a token or a contactless card, a contact / contactless public card (combi card, a dual interface card), or an RFID tag, and stored in the wireless dongle device along with the merchant ID.

The balance accumulation request unit 13 may accumulate a balance including balance information input by the balance information input unit 11, merchant identification information recognized by the affiliate store identification information recognition unit 12, and customer identification information. Send the request information to the network.

At this time, the customer identification information is unique, such as a customer's balance accumulation service access ID or post-paid or prepaid card information such as a credit card possessed by the customer or a phone number for identifying a mobile terminal, an ESN, or a USIM serial number. It may also be identification information.

The balance accumulation request information including the balance information, the merchant identification information, and the customer identification information transmitted from the mobile terminal 10 is transmitted to the accumulation performance server 20 through the network, and the balance accumulation process of the accumulation performance server 20 is processed. According to the performance, the balance is accumulated in the electronic coin purse matched with the customer identification information.

At this time, the electronic coin purse is an intangible reserve database, may be financial account information matched with customer identification information, may be earned points matched with customer identification information, the electronic coin purse itself may be a rechargeable card.

On the other hand, the earning server 20 stores the balance earning history, including the balance information and merchant identification information and customer identification information when the balance earning process is completed, the balance accumulation processing result information to the mobile terminal 10 through the network Send it. The detailed configuration of the earning server 20 will be described later.

The result information receiving unit 14 receives the balance accumulation processing result information for the balance accumulation request from the network. Accordingly, the customer can know the balance accumulation processing result through the mobile terminal 10 possessed by the customer.

Therefore, the present invention by using a mobile terminal, such as a smart phone that the user is easy to carry offline by earning coins that are inconvenient to hold or store on-line, so that the user can prevent the inconvenience of holding or storing coins on-line It can improve user convenience.

On the other hand, according to an additional aspect of the present invention, the mobile terminal 10 may further include a customer identification information management unit 15. The customer identification information management unit 15 manages customer identification information.

For example, the customer identification information management unit 15 may provide a user interface for inputting a balance accumulation service access ID, and thereby may receive a balance accumulation service access ID from the customer as customer identification information.

Alternatively, the customer identification information management unit 15 may provide a user interface for inputting postpaid or prepaid card information such as a credit card, and may be configured to receive card information from a customer and set it as customer identification information. .

Alternatively, the customer identification information management unit 15 may be configured to detect the unique identification information such as a phone number, ESN, USIM serial number, etc., which can identify the mobile terminal from the mobile terminal, and set it as customer identification information.

Therefore, the present invention can manage the customer identification information through the customer identification information management unit 15, it is possible to access the electronic coin purse matched with the customer identification information online.

Meanwhile, according to an additional aspect of the present invention, the mobile terminal 10 may further include a password authentication unit 16. The password authentication unit 16 provides a user interface for inputting a password, through which a password authentication input from a customer is requested to the network, and a password authentication result is received from the network.

That is, in this embodiment, the earning server 20 performs customer (user) authentication using the customer identification information transmitted from the mobile terminal 10, at this time, the password is received through the password authentication unit 16 Transfer to the earning server 20 is an embodiment to perform a more secure and reliable user authentication.

Meanwhile, according to an additional aspect of the present invention, the mobile terminal 10 may further include a signature information processing unit 17. The signature information processor 17 provides a user interface for inputting customer signature information, and transmits the signature information input from the customer to the network.

That is, this embodiment is an embodiment that receives the signature information from the customer through the signature information processing unit 17 and transmits the signature information to the earning performance server 20 so that it can be used as personal identification data later. For example, the signature information processor 17 may be implemented to receive signature information through a touch screen of a smartphone.

Figure 4 is a block diagram showing the configuration of an embodiment of a earning performing server for the balance earning service. The embodiment shown in FIG. 4 is an accumulation performing server 20 when the electronic coin purse is financial account information matched with customer identification information, and the management management server 410 for relaying customer authentication processing and balance accumulation request information. And, it is implemented separately from the earning processing server 420 to perform the balance accumulation in the financial account matched with the customer identification information.

The accumulation management server 410 may relay the customer authentication process and the balance accumulation request information, and may include a balance accumulation request receiving unit 411, an authentication processing unit 412, and a balance accumulation management unit 413.

The balance accumulation request receiving unit 411 receives balance accumulation request information including the balance information transmitted from the mobile terminal 10 and the merchant identification information and the customer identification information.

The authentication processor 412 compares the customer identification information transmitted from the mobile terminal 10 with the previously stored user information, and performs user authentication for the user corresponding to the customer identification information.

At this time, the customer identification information is unique, such as a customer's balance accumulation service access ID or post-paid or prepaid card information such as a credit card possessed by the customer or a phone number for identifying a mobile terminal, an ESN, or a USIM serial number. It may also be identification information.

Meanwhile, the authentication processing unit 412 may further perform authentication for the password transmitted from the mobile terminal 10 and authentication for the affiliate store corresponding to the affiliated store identification information transmitted from the mobile terminal 10.

At this time, the merchant identification information is a unique merchant ID for identifying the merchant, a one-time password for non-repudiation (OTP) or a USB security token or contact card or contactless card or contact / contactless public card connected with the merchant terminal. In the case of the dynamic merchant identification information including the authentication value generated using the authentication algorithm in the IC chip, etc., the merchant ID included in the dynamic merchant identification information received by the authentication processing unit 412 is compared with the previously stored merchant identification information. Perform the merchant authentication procedure.

On the other hand, by comparing the one-time password (OTP) included in the dynamic merchant identification information received by the authentication processing unit 412 and the one-time password (OTP) generated by applying the same seed value to perform the merchant non-repudiation procedure, or received The merchant non-repudiation procedure is performed by comparing the authentication values generated using the authentication algorithm in the IC chip such as a USB security token or contact card or contact card or contact / contactless card included in the dynamic merchant identification information. At this time, the configuration to perform the merchant authentication and / or merchant non-repudiation procedure may be implemented in the following credit processing server 420.

The balance accumulation management unit 413 relays the balance accumulation request information including the balance information, the merchant identification information, and the customer identification information to the accumulation processing server 420 when the user authentication is successful by the authentication processing unit 412, and accumulates. Receives the balance accumulation processing result information from the processing server 420 and transmits it to the mobile terminal 10 requesting the balance accumulation.

On the other hand, according to an additional aspect of the invention, the accumulation management server 410 may further include a history storage unit 414. The history storage unit 414 stores and manages the balance accumulation history including the balance information, merchant identification information and customer identification information when the balance accumulation process is completed by the accumulation processing server 420.

On the other hand, according to an additional aspect of the invention, the accumulation management server 410 may further include a signature information management unit 415. The signature information management unit 415 stores the customer signature information transmitted from the mobile terminal 10 together with the balance accumulation history so that it can be used as identity verification data if necessary later.

The accumulation processing server 420 performs balance accumulation in a financial account matched with customer identification information, and includes a balance accumulation request receiving unit 421 and a balance accumulation processing unit 422.

The balance accumulation request receiving unit 421 receives balance accumulation request information including balance information relayed by the accumulation management server 410, merchant identification information, and customer identification information.

The balance accumulation processing unit 422 accumulates the balance by reflecting the amount included in the balance information in the financial account matched with the customer identification information, and transmits the balance accumulation processing result information to the accumulation management server 410.

In this case, the balance accumulation request receiving unit 421 may be implemented separately from the card company server (not shown), and the balance accumulation processing unit 422 may be implemented separately from a financial company server (not shown).

Figure 5 is a block diagram showing the configuration of another embodiment of a earning performing server for the balance earning service. The embodiment shown in Figure 5 is a configuration for performing the earning server 20 when the electronic coin purse is the matching points matched with the customer identification information, to perform the balance accumulation to the earned points matched with customer authentication processing and customer identification information It may be implemented as one server, and may include a balance accumulation request receiving unit 510, an authentication processing unit 520, and a balance accumulation processing unit 530.

The balance accumulation request receiving unit 510 receives balance accumulation request information including balance information, merchant identification information, and customer identification information transmitted from the mobile terminal 10.

The authentication processor 520 compares the customer identification information transmitted from the mobile terminal 10 with the previously stored user information, and performs user authentication for the user corresponding to the corresponding customer identification information.

At this time, the customer identification information is unique, such as a customer's balance accumulation service access ID or post-paid or prepaid card information such as a credit card possessed by the customer or a phone number for identifying a mobile terminal, an ESN, or a USIM serial number. It may also be identification information.

Meanwhile, the authentication processing unit 520 may further perform authentication for the password transmitted from the mobile terminal 10 and authentication for the affiliate store corresponding to the affiliated store identification information transmitted from the mobile terminal 10.

At this time, the merchant identification information is a unique merchant ID for identifying the merchant, a one-time password for non-repudiation (OTP) or a USB security token or contact card or contactless card or contact / contactless public card connected with the merchant terminal. In the case of the dynamic merchant identification information including the authentication value generated using the authentication algorithm in the IC chip, etc., the merchant ID included in the dynamic merchant identification information received by the authentication processing unit 520 is compared with the previously stored merchant identification information. Perform the merchant authentication procedure.

On the other hand, by comparing the one-time password (OTP) included in the dynamic merchant identification information received by the authentication processing unit 520 and the one-time password (OTP) generated by applying the same seed value to perform the merchant non-repudiation procedure, or received The merchant non-repudiation procedure is performed by comparing the authentication values generated using the authentication algorithm in the IC chip such as a USB security token or contact card or contact card or contact / contactless card included in the dynamic merchant identification information.

The balance accumulation processing unit 530, when the user authentication is successful by the authentication processing unit 520, accumulate the balance by reflecting the amount included in the balance information in the earning points matched with the customer identification information, the balance accumulation processing result information The balance is transferred to the mobile terminal 10 requesting the credit.

On the other hand, according to an additional aspect of the invention, the earning server 20 may further include a history storage unit 540. The history storage unit 540 stores and manages a balance accumulation history including balance information, merchant identification information, and customer identification information when the balance accumulation processing is completed by the balance accumulation processing unit 530.

On the other hand, according to an additional aspect of the invention, the earning server 20 may further include a signature information management unit 550. The signature information management unit 550 stores the customer signature information transmitted from the mobile terminal 10 together with the balance accumulation history so that it can be used as identity verification data if necessary later.

On the other hand, although not shown in the drawings, the electronic coin purse itself is a rechargeable card, when the earning server 20 is implemented in the form of a charging device for charging the balance on the rechargeable card, performing the earning of the charging device type provided in the merchant The server 20 receives the balance accumulation request information including the balance information, the merchant identification information, and the customer identification information transmitted from the mobile terminal 10 possessed by the customer, and the remaining balance information requested to accumulate the balance on the rechargeable card presented by the customer. Recharge the amount included in.

As described above, the present invention by using a mobile terminal, such as a smart phone that the user is easy to carry offline by accumulating coins that are inconvenient to possess or store on-line, the user is inconvenient to carry or store the coins offline Since it can be prevented, user convenience can be improved, the objective of this invention presented above can be achieved.

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. .

The present invention can be used industrially in the balance accumulation technology field and its application field.

10: mobile terminal 11: balance information input unit
12: Merchant identification information recognition unit 13: Balance accumulation request unit
14: result information receiving unit 15: customer identification information management unit
16: password authentication unit 17: signature information processing unit
20: earning server 30: merchant terminal

Claims (1)

In the balance accumulation service method using a mobile terminal,
A balance information input step of the mobile terminal receiving balance information from a customer;
An affiliated store identification information recognition step of the mobile terminal recognizing affiliated store identification information;
A customer identification information acquisition step of acquiring customer identification information by the mobile terminal;
The mobile terminal accumulates the balance information input by the balance information input step, the merchant identification information recognized by the affiliated store identification information recognition step, and the customer identification information acquired by the customer identification information acquisition step. A balance accumulation request step of transmitting the information to the performing server;
The earning execution server receiving the balance accumulation request information transmitted by the balance accumulation request step may accumulate the balance amount included in the balance information in the balance accumulation request information in the electronic coin purse corresponding to the customer identification information in the balance accumulation request information. A balance accumulation processing step of processing;
When the balance is accumulated by the balance accumulation processing step, the accumulation performing server transmits the balance accumulation processing result information to the mobile terminal requesting the balance accumulation;
Balance accumulation service method using a mobile terminal, characterized in that comprises a.

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