KR20140095385A - Machine for issueing exchange ticket and settlement system - Google Patents

Machine for issueing exchange ticket and settlement system Download PDF

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Publication number
KR20140095385A
KR20140095385A KR1020130008299A KR20130008299A KR20140095385A KR 20140095385 A KR20140095385 A KR 20140095385A KR 1020130008299 A KR1020130008299 A KR 1020130008299A KR 20130008299 A KR20130008299 A KR 20130008299A KR 20140095385 A KR20140095385 A KR 20140095385A
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South Korea
Prior art keywords
electronic wallet
payment
exchange
electronic
settlement
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KR1020130008299A
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Korean (ko)
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김경호
김경민
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주식회사 하나은행
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Priority to KR1020130008299A priority Critical patent/KR20140095385A/en
Publication of KR20140095385A publication Critical patent/KR20140095385A/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
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • 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
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • 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]
    • 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
    • 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
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions

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

Abstract

Disclosed are a token issuing device and a payment system. The token issuing device provided in a member store comprises a display unit outputting a payment menu of a digital wallet and a token issuance situation to a screen, an input unit receiving the payment menu of the digital wallet and an operation command for issuing and dealing a token, a communications unit performing communication with a digital wallet server that controls payment of the digital wallet, an issuing unit printing and outputting the token, and an operating unit interworking with the digital wallet server to process payment of the digital wallet, and issuing the token through the issuing unit when the payment is completed.

Description

[0001] MACHINE FOR ISSUEING EXCHANGE TICKET AND SETTLEMENT SYSTEM [0002]

The present invention relates to an apparatus for issuing exchange tickets and a payment system, and more particularly, to an apparatus and a payment system for issuing exchange tickets usable at an affiliated store.

In the past, credit card payments were common in merchants. In order to make payment using the credit card, the payment terminal provided at the merchant accesses the credit card information, accesses the VAN (Value Added Network), and requests payment approval.

In many cases, payment is made using a coupon printed with a bar code, for example, a gift cone. In this case, the payment terminal provided at the merchant recognizes the information stored in the barcode, and then similarly connects to the VAN to request payment approval.

As described above, in a conventional merchant, a payment method using a credit card or a bar code requires a VAN connection. Accordingly, there is a problem that it is difficult to settle a credit card or barcode at a place where a VAN connection such as a school cafeteria is difficult or a small small merchant shop.

 On the other hand, the representative places to issue the exchange ticket are school cafeteria, purchase cafeteria, and the like. However, such a method of issuing the exchange ticket is performed in a restaurant, and a ticket-type meal ticket is produced, and then a user purchases a meal ticket made after a predetermined amount is paid. Therefore, there is an inconvenience that a restaurant must individually prepare and manage the issued meal tickets, and process the same until payment is made.

SUMMARY OF THE INVENTION Accordingly, the present invention has been made in view of the above problems, and an object of the present invention is to provide an apparatus and a payment system for issuing a coupon using payment settlement of an electronic wallet.

According to an aspect of the present invention, there is provided a device for issuing an exchange, comprising: a display unit for outputting a payment settlement menu of an electronic wallet and an issuance status of the exchange right on a screen; a payment settlement menu of the electronic wallet; And an electronic wallet server for controlling payment of the electronic wallet, a communication unit for communicating with the electronic wallet server for controlling payment and settlement of the electronic wallet, an issuing unit for printing and outputting the exchange card, And an operation unit for processing the payment of the electronic wallet and issuing the exchange right through the issuing unit when payment is completed.

Wherein the input unit comprises:

A mobile phone number of an electronic wallet device in which an electronic wallet application is installed, a transaction password, and an authentication number generated by the electronic wallet application,

Wherein,

Wherein the transaction password and the authentication number are shared by the electronic wallet server when the transaction password and the authentication number are valid, the mobile telephone number, the transaction password and the authentication number are shared with the electronic wallet server, And issue the purchasing exchange right and payment receipt.

Wherein,

The electronic wallet server determines whether the transaction password and the authentication number received from the electronic wallet device coincide with the transaction password and the authentication number input through the input unit, .

Wherein,

And displays the electronic money balance information of the subscriber identified by the mobile phone number from the electronic wallet server on the screen and displays the electronic money balance information subtracted by the payment amount of the purchase / Can be displayed.

According to another aspect of the present invention, the settlement system includes an electronic wallet device in which an electronic wallet application for implementing a prepaid electronic wallet service using electronic money is installed, a payment payment for the electronic wallet, and a payment right for payment according to payment of the electronic wallet And an electronic wallet server for controlling the payment of the electronic wallet in cooperation with the electronic wallet device and the exchange ticket issuing device.

The electronic wallet device comprises:

And may include smart devices in which the electronic wallet application is installed and executed.

The electronic wallet device comprises:

When an electronic wallet application is executed to select payment settlement of an electronic wallet, a transaction password is input, an authentication number is generated and shared with the electronic wallet server when the transaction password is valid,

The exchange-

Wherein the electronic purse device receives the mobile phone number of the electronic wallet device, the transaction password, and the authentication number from the user and shares the electronic wallet device with the electronic wallet server, wherein the transaction password and authentication number input by the exchange- After confirming the generated transaction password and the authentication number are confirmed from the electronic wallet server, the payment process of the purchase exchange right according to payment of the electronic wallet can be performed, and then the purchase exchange right can be printed and output.

The electronic wallet device comprises:

A message including the settlement process completion information of the purchase exchange right can be received and displayed on the screen.

The exchange-

The electronic money balance information of the subscriber confirmed through the mobile phone number from the electronic wallet server is displayed on the screen, and then the purchase exchange right can be selected.

The electronic wallet server comprises:

And a payment processing step of performing a payment process of the purchase exchange right in cooperation with the exchange right issuance device, subtracting the payment amount of the purchase right from the electronic money of the subscriber identified through the mobile phone number,

The exchange-

When the payment process of the purchase exchange right is completed, the electronic money balance information subtracted by the payment amount of the purchase exchange right is received from the electronic wallet server and displayed on the screen, and the purchase right and payment receipt can be issued.

Further comprising an account system host for transferring the actual amount corresponding to the payment amount of the purchase exchange right subtracted from the electronic money of the subscriber to the demand account of the merchant,

The electronic wallet server comprises:

A merchant information DB for storing settlement amount information and demand account information of the purchase exchange right according to payment of the electronic wallet for each merchant, and

And a settlement unit for transferring the settlement amount information of the purchase purchase right and the requested account information to the account host of the financial institution at the time of settlement to request settlement.

According to the embodiment of the present invention, the exchange money can be purchased and used by using electronic money of the electronic wallet at a small-scale merchant that is difficult to access the VAN. The merchant does not incur card fees or VAN fees.

In addition, since the franchisees need to register their accounts in order to receive refunds by switching the electronic money to cash, it is expected that the settlement service provider will be able to increase the demand deposit (LCF) transaction through attracting such subscribers. have.

1 is a configuration diagram of a payment system according to an embodiment of the present invention.
2 is a block diagram showing a detailed configuration of the electronic wallet device of FIG.
3 is a block diagram showing a detailed configuration of the exchange certificate issuing device of FIG.
4 is a perspective view showing an external configuration of the exchange issuing device of FIG.
5 is a block diagram showing a detailed configuration of the electronic wallet server of FIG.
6 is a flowchart illustrating a method of issuing and payment of a voucher according to an embodiment of the present invention.
FIG. 7 is a flowchart illustrating a method of calculating a franchise point according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily carry out the present invention. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when an element is referred to as "comprising ", it means that it can include other elements as well, without excluding other elements unless specifically stated otherwise.

Also, the terms of " part ", "... module" in the description mean units for processing at least one function or operation, which may be implemented by hardware or software or a combination of hardware and software.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, an apparatus and method for issuing a voucher according to an embodiment of the present invention will be described in detail with reference to the drawings.

1 is a configuration diagram of a payment system according to an embodiment of the present invention.

1, the billing system includes an electronic wallet device 100, an exchange issuance device 200, an electronic wallet server 300, and an account system host 400.

Here, the electronic wallet device 100 and the electronic wallet server 300 are connected to each other through wireless communication or wire communication. Also, the exchange certificate issuing device 200 and the electronic wallet server 300 are connected to each other through wireless communication or wire communication. The electronic wallet server 300 and the account system host 400 are connected to each other through an internal dedicated network such as a bank exclusive network.

The electronic wallet device 100 refers to a terminal possessed by a customer, which is equipped with an electronic wallet of an application type. The electronic wallet device 100 may include a smart device, which refers to a product that is not limited in functionality and that can substantially change or expand functionality through an application, such as a smartphone, tablet PC, .

The exchange-ticket issuing device (200) is a exchange-ticket-issuing-only terminal that is provided at the merchant and processes payment and issuance of the exchange-ticket using payment of the electronic wallet.

The electronic wallet server 300 is provided in the electronic wallet service provider side and controls the operation of the electronic wallet in conjunction with the electronic wallet device 100. [ And performs the process of payment of the exchange right through payment of the electronic wallet in conjunction with the exchange certificate issuing device (200).

The account system host 400 is provided in a financial institution and processes money transfer for account settlement of merchants at the request of the electronic wallet server 300.

The account system host (400) manages account information of a general business such as processing, managing and managing accounts in a financial institution, an individual, a corporation, and other customers, and depositing, withdrawing, transferring money, And all the account data is stored in a database, and it is possible to access and inquire through the terminal. The host computer 400 is installed in the head office where the computer system of the bank is concentrated, and is a mainframe-based system that manages overall financial affairs.

2 is a block diagram showing a detailed configuration of the electronic wallet device of FIG. At this time, the electronic wallet device shows only the schematic configuration necessary for the explanation according to the embodiment of the present invention, and is not limited to this configuration.

2, the electronic wallet device 100 includes an input unit 101, a communication unit 103, an electronic wallet storage unit 105, a display unit 107, and a processor 109. [

The input unit 101 is a means for the customer to input information necessary for payment settlement of the electronic wallet. The input unit 101 is connected to the processor 109 and transmits information received by the input unit 101 to the processor 109. The input unit 101 may adopt various input methods, and may include, for example, a keypad, a pointing device, and the like.

The communication unit 103 is connected to the electronic wallet server 300 and transmits and receives information required for payment and payment management of the electronic wallet. The communication unit 103 is connected to the processor 109 and transmits data received through the electronic wallet server 300 to the processor 109 and transmits the data output by the processor 109 to the electronic wallet server 300 . The communication unit 103 may include a baseband circuit for processing a signal.

The electronic wallet storage unit 105 stores an electronic wallet of an application type. Here, the electronic wallet implements a prepaid charging electronic wallet service capable of transfer and mobile payment. The electronic wallet storage unit 105 may be implemented by a medium such as a dynamic random access memory, a RAM such as a DRAM, a synchronous DRAM, and a static RAM. And electronic wallet storage 105 may be internal or external to processor 109 and may be coupled to processor 109 by a variety of well known means.

The display unit 109 is provided outside the electronic wallet device 100 and connected to the processor 109 to output information on the screen according to the operation of the processor 109. [ A commercially available LCD (Liquid Crystal Display) or the like can be used.

The processor 109 may be implemented as a central processing unit (CPU) or other chipset, a microprocessor, etc., and the layers of the air interface protocol may be implemented by the processor 109. The processor 109 includes an execution unit 111 and a settlement unit 113.

The execution unit 111 is an application for loading the electronic wallet stored in the electronic wallet storage unit 105 and performing payment using the electronic wallet when a user input signal for calling the electronic wallet is delivered from the input unit 101, Environment.

The settlement unit 113 performs processing for payment settlement of the electronic wallet based on the information transmitted from the input unit 101. [

The settlement unit 113 outputs the transaction password input screen to the display unit 109 when the selection information of the exclusive menu for the specific merchant installed in the electronic wallet is received from the input unit 101. [ Here, the transaction password may include a 4-digit Personal Identification Number (PIN). Or a resident registration number.

The payment unit 113 checks whether the transaction password is valid in cooperation with the electronic wallet server 300, and generates an authentication number if valid. At this time, the authentication number may be generated by the electronic wallet itself or may be requested by the electronic wallet server 300 and received.

At this time, when the authentication number is generated in the electronic wallet itself, the settlement unit 113 transmits the authentication number to the electronic wallet server 300. [

FIG. 3 is a block diagram illustrating a detailed configuration of the exchange certificate issuing device of FIG. 1, and FIG. 4 is a perspective view illustrating an external configuration of the exchange certificate issuing device of FIG.

Referring to FIG. 3, the exchange-ticket issuing device 200 includes a display unit 201, an input unit 203, a communication unit 205, an issuing unit 207, and a processor 209. As shown in FIG. 4, the display unit 201, the input unit 203, and the issuing unit 207 may be mounted on a body having a predetermined shape.

The display unit 201 is provided outside the exchange right issuance apparatus 200 and is connected to the processor 209 to output information on the operation of the processor 209 on the screen. An LCD that is currently in commercial use can be used. The display unit 201 displays on the screen the status of issuance of the exchange right according to payment of the dedicated menu and payment of the dedicated menu.

The input unit 203 receives an operation command for an exclusive-menu settlement and exchange transaction. The input unit 203 is connected to the processor 209 and transmits information received by the input unit 203 to the processor 209. The input unit 203 may adopt various input methods, for example, a keypad, a pointing device, and the like.

The communication unit 205 is connected to the electronic wallet server 300 and transmits and receives information necessary for payment and payment management of the electronic wallet. The communication unit 205 is connected to the processor 209 and transfers data received through the electronic wallet server 300 to the processor 209 and transmits data output by the processor 209 to the electronic wallet server 300 . The communication unit 205 may include a baseband circuit for processing a signal.

The issuing unit 207 prints out and prints the receipt on which the settlement has been completed and the payment details. At this time, the exchange ticket may be printed with the purchase date / exclusive exchanger and the installation merchant unique number.

The processor 209 may be implemented as a central processing unit (CPU) or other chipset, a microprocessor, etc., and the layers of the air interface protocol may be implemented by the processor 209. And the processor 209 includes a management unit 211. [

The operation unit 211 processes the exclusive menu settlement in cooperation with the electronic wallet server 300, and issues a purchase exchange right through the issuing unit 207 when payment is completed.

The operation unit 211 outputs a dedicated menu selection screen through the display unit 201. [ Here, the dedicated menu selection screen includes a payment settlement menu of the electronic wallet.

When the payment settlement menu of the electronic wallet is selected, the operation unit 211 outputs a payment information input screen and receives the mobile phone number, the transaction password and the authentication number from the input unit 203. Here, the mobile phone number is a phone number of the subscriber who wants to pay with the electronic wallet, and may be the telephone number of the electronic wallet device 100 in which the electronic wallet is installed. The transaction password is information necessary for using payment settlement of the electronic wallet and is information that the customer has confirmed validity through the electronic wallet device 100. [ The authentication number is an authentication number generated by the electronic wallet device 100. The customer confirms the authentication number through the electronic wallet device 100 and then inputs the authentication number.

The operation unit 211 shares the input mobile phone number, transaction password, and authentication number with the electronic wallet server 300. After validating the transaction password and the authentication number, if valid, it receives the electronic money balance information of the subscriber identified through the mobile phone number from the electronic wallet server 300 and outputs the electronic money balance display screen.

Upon receipt of the purchase purchase right and payment selection from the input unit 203, the operation unit 211 performs a payment process in cooperation with the electronic wallet server 300. FIG. That is, the payment amount of the purchasing exchange right and the merchant information are transmitted to the electronic wallet server 300. When the payment process of the purchase / exchange ticket is completed, the electronic money balance information subtracted by the payment amount of the purchase / exchange ticket is received from the electronic wallet server 300 and is output to the screen. Then, the issuing unit 207 instructs the issuing unit 207 to print and output the purchase exchange right and the payment receipt.

It is possible to process the settlement of the exchange right by using the settlement of the electronic wallet without the need for a VAN connection like the operation of the operation unit 211 as in the conventional merchant terminal. At this time, the operating unit 211 may be implemented in the form of an electronic wallet application for exclusive use by an affiliate shop.

5 is a block diagram showing a detailed configuration of the electronic wallet server of FIG.

5, the electronic wallet server 300 includes a processor 301, a memory 303, at least one storage 305, an input / output (I / O) interface 307, 309).

The processor 301 may be implemented as a central processing unit (CPU) or other chipset, a microprocessor, and the like, and the memory 303 may be a dynamic random access memory (DRAM), a Rambus DRAM (RDRAM) SDRAM), static RAM (SRAM), and the like.

The storage device 305 may be a hard disk, a compact disc read only memory (CD-ROM), a compact disc rewritable (CD-RW), a digital video disc ROM (DVD-ROM) , An optical disk such as a blue-ray disk, a flash memory, various types of RAM, or a permanent or volatile storage device.

The I / O interface 307 also allows the processor 301 and / or the memory 303 to access the storage device 305 and the network interface 309 may be coupled to the processor 301 and / ) To access the network (not shown).

In this case, the processor 301 loads the program command for implementing at least some functions of the functions of the settlement unit 311 and the settlement unit 313 into the memory 303, and stores the subscriber information DB 315 and the merchant information DB It is possible to control the operation of the electronic wallet server 300 by placing the function of the electronic wallet server 317 in the storage device 305. [

The memory 303 or the storage device 305 may perform the functions of the settlement unit 311 and the settlement unit 313 in cooperation with the processor 301. [

The processor 301, the memory 303, the storage device 305, the I / O interface 307, and the network interface 309 may be implemented in one computer or distributed in a plurality of computers have.

Here, the settlement unit 311 receives and stores the authentication number from the electronic wallet device 100, or generates and transmits the authentication number according to the request of the electronic wallet device 100. [ The settlement unit 311 determines whether the transaction password and the authentication number received from the exchange certificate issuing device 200 match the information stored in the subscriber information DB 315, verifies the validity, and returns the result. Then, the payment unit 311 confirms the balance information of the electronic money of the subscriber corresponding to the mobile phone number received from the exchange certificate issuing device 200 from the subscriber information DB 315 and returns it. Then, the settlement unit 311, in cooperation with the exchange certificate issuing unit 200, performs the exchange payment process using payment of the electronic wallet, subtracts the electronic money of the subscriber as the exchange payment amount, and returns the result.

The settlement unit 313 stores the information on the amount of money to be exchanged paid through payment of the electronic wallet by the merchant from the settlement unit 311 in the merchant point information DB 317 and manages it. Then, it requests the account system host 400 to transfer the electronic money corresponding to the sum of the amount of money to be exchanged to the cash from the merchant information DB 317 to the account of the merchant. At this time, the transfer request may proceed at a certain time, that is, at the time of settlement, or at the time of settlement. The merchant information DB 317 manages the information of the demanded account for each merchant.

Then, the method of issuing and payment of the exchange right through payment of the electronic wallet will be described based on the above-described contents.

6 is a flowchart illustrating a method of issuing and payment of a voucher according to an embodiment of the present invention. Here, the same reference numerals will be used in connection with the configurations of Figs. 1 to 5.

Referring to FIG. 6, the execution unit 111 of the electronic wallet device 100 executes an electronic wallet application (S101). When the login and exclusive menu is selected (S103), the settlement unit 113 of the electronic wallet device 100 receives the transaction password (S105).

The payment unit 113 of the electronic wallet device 100 checks whether the transaction password is valid, and if valid, generates an authentication number (S107) and shares it with the electronic wallet server 300 (S109).

The operation unit 211 of the exchange right issuance apparatus 200 receives the mobile phone number, the transaction password and the authentication number (S113) and selects the electronic wallet server 300, (S115).

The operation unit 211 of the exchange certificate issuing apparatus 200 receives the electronic money balance information of the mobile phone number subscriber from the electronic wallet server 300 (S117) and outputs it to the screen (S119).

The operation unit 211 of the exchange right issuance apparatus 200 performs the settlement process in cooperation with the electronic wallet server 300 (S125) when the purchase exchange right selection S121 and the payment selection are selected (S123).

When the settlement process is completed, the operation unit 211 of the exchange certificate issuing apparatus 200 receives the electronic money balance information subtracted by the payment amount of the purchase exchange right and outputs it to the screen (S127). Then, the printing and payment receipt is printed and output (S129).

Then, the electronic wallet device 100 receives an SMS (Short Message Service) containing payment information (S131). Here, the payment information SMS transmission can be performed by the electronic wallet server 300. Or the exchange-ticket issuing device 200 may automatically request and perform a request to the mobile communication network.

FIG. 7 is a flowchart illustrating a method of calculating a franchise point according to an embodiment of the present invention.

Here, the same reference numerals will be used in connection with the configurations of Figs. 1 to 5.

Referring to FIG. 7, the settlement unit 313 of the electronic wallet server 300 stores the exchange payment amount information (S201). Then, the demand account information of the merchant is confirmed (S203). At this time, the merchant information is received from the exchange issuing device 200 at the time of the payment process.

The settlement unit 313 of the electronic wallet server 300 transmits a settlement request including the settlement amount stored in step S201 and the requested account information confirmed in step S203 to the account system host 400 in step S205.

Then, the account system host 400 deposits the actual amount equivalent to the electronic money of the settlement amount to the demand account of the merchant (S207). At this time, it is possible to process the transfer from the account linked with the electronic money of the subscriber who generated the payment amount to the demanded account.

The embodiments of the present invention described above are not implemented only by the apparatus and method, but may be implemented through a program for realizing the function corresponding to the configuration of the embodiment of the present invention or a recording medium on which the program is recorded.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, It belongs to the scope of right.

Claims (11)

A device for issuing a exchange,
A display unit for outputting the payment settlement menu of the electronic wallet and the issuance status of the exchange right on the screen,
An input unit for receiving a payment settlement menu of the electronic wallet and an operation command for an issuance transaction of the exchange ticket,
A communication unit for performing communication with an electronic wallet server for controlling payment of the electronic wallet,
An issuer for printing and outputting the exchange ticket, and
An operating unit for processing the payment of the electronic wallet in cooperation with the electronic wallet server and issuing the exchange right through the issuing unit when payment is completed;
The apparatus comprising: The method according to claim 1,
Wherein the input unit comprises:
A mobile phone number of an electronic wallet device in which an electronic wallet application is installed, a transaction password, and an authentication number generated by the electronic wallet application,
Wherein,
Wherein the transaction password and the authentication number are shared by the electronic wallet server when the transaction password and the authentication number are valid, the mobile telephone number, the transaction password and the authentication number are shared with the electronic wallet server, And then issues the purchasing exchange right and payment receipt. 3. The method of claim 2,
Wherein,
The electronic wallet server determines whether the transaction password and the authentication number received from the electronic wallet device match the transaction password and the authentication number input through the input unit, Device. The method of claim 3,
Wherein,
And displays the electronic money balance information of the subscriber identified by the mobile phone number from the electronic wallet server on the screen and displays the electronic money balance information subtracted by the payment amount of the purchase / And the like. An electronic wallet device with an electronic wallet application that implements a prepaid charging wallet service using electronic money,
An exchange ticket issuing device for issuing a payment right of the electronic wallet and a right of exchange corresponding to payment of the electronic wallet, and
An electronic wallet server for controlling payment settlement of the electronic wallet in cooperation with the electronic wallet device and the exchange-
. 6. The method of claim 5,
The electronic wallet device comprises:
A billing system comprising a smart device in which an electronic wallet application is installed and executed. The method according to claim 6,
The electronic wallet device comprises:
When an electronic wallet application is executed to select payment settlement of an electronic wallet, a transaction password is input, an authentication number is generated and shared with the electronic wallet server when the transaction password is valid,
The exchange-
Wherein the electronic purse device receives the mobile phone number of the electronic wallet device, the transaction password, and the authentication number from the user and shares the electronic wallet device with the electronic wallet server, wherein the transaction password and authentication number input by the exchange- And if the generated password for the transaction and the matching authentication number are confirmed from the electronic wallet server, the billing process of the purchasing exchange right according to payment of the electronic wallet is performed, and then the printing exchange right is printed and outputted. 8. The method of claim 7,
The electronic wallet device comprises:
And displays a message including the settlement process completion information of the purchase exchange ticket on the screen. 8. The method of claim 7,
The exchange-
And receiving the electronic money balance information of the subscriber identified through the mobile phone number from the electronic wallet server, displaying the electronic money balance information on the screen, and then selecting the purchase exchange right. 10. The method of claim 9,
The electronic wallet server comprises:
And a payment processing step of performing a payment process of the purchase exchange right in cooperation with the exchange right issuance device, subtracting the payment amount of the purchase right from the electronic money of the subscriber identified through the mobile phone number,
The exchange-
Wherein the electronic wallet server receives the electronic money balance information, which is subtracted by the payment amount of the purchase exchange ticket, from the electronic wallet server and displays the electronic money balance information on the screen, and then issues the purchase ticket and the payment receipt. 8. The method of claim 7,
Further comprising an account system host for transferring the actual amount corresponding to the payment amount of the purchase exchange right subtracted from the electronic money of the subscriber to the demand account of the merchant,
The electronic wallet server comprises:
A merchant information DB for storing settlement amount information and demand account information of the purchase exchange right according to payment of the electronic wallet for each merchant, and
The settlement amount information of the purchasing exchange right and the demanded account information to the account host of the financial institution at the time of settlement,
.
KR1020130008299A 2013-01-24 2013-01-24 Machine for issueing exchange ticket and settlement system KR20140095385A (en)

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20160114749A (en) * 2015-02-25 2016-10-06 이진희 Dealing method of Crypto-currency base on Blockchain System
KR20200035529A (en) * 2018-09-27 2020-04-06 (주)피엘그룹 Multi-functional kiosk for animal hospital and its operating method

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20160114749A (en) * 2015-02-25 2016-10-06 이진희 Dealing method of Crypto-currency base on Blockchain System
KR20200035529A (en) * 2018-09-27 2020-04-06 (주)피엘그룹 Multi-functional kiosk for animal hospital and its operating method

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