KR20150010140A - Digital system using on-line unregistered bond, issuing system thereof, and providing method thereof - Google Patents

Abstract

The present invention relates to a digital system using online bearer bonds, an issuing system, and a providing method thereof. The digital system using online bearer bonds includes: a near field communications unit which establishes a near field communications connection with a predetermined issuing device; and a control unit. The control unit transmits an online bearer bond issue request signal corresponding to the issue amount when the near field communications is established to issue the online bearer bond corresponding to the issue amount through the issuing system receiving the request signal.

Description

Technical Field [0001] The present invention relates to a digital system using an online bearer bond, a issuing system, and a method of providing the same.

The present invention relates to a digital system, an issuance system and a method for providing the same, and more particularly, to a digital system, an issuance system, and a method for providing the same. More particularly, And more particularly, to a system and a method for providing the same.

A variety of bearer bonds are circulating offline. Examples of bearer bonds include checks, gift certificates, and coupons. However, bearer bonds are not actively used online because of their characteristics, that is, the characteristics of specifying a person possessing a certificate as a creditor.

A conventional method of using bearer bonds on-line is as follows. In order to use a gift certificate or a ticket offline by a person who owns the gift certificate or ticket online, a serial number or a ticket of the gift certificate is registered on the service server and used . As a result, although the characteristics that are easy to transfer and have a certificate and are specified as a creditor are well utilized in the off-line, the functions as bearer bonds are not used properly online.

In addition, there is a type of online bearer (for example, an online gift coupon or coupon) that is conventionally published and distributed on-line, such as a so-called guiticon. For example, if a person who owns a gifty cone is identified as a creditor who can obtain the goods, there is a problem that the purchaser must go through a complicated settlement procedure to purchase the gifty cone, If you specify the recipient, you will not be able to distribute it anymore. In addition, even if a recipient of a gifted cone can transfer the gifted cone to another person, the gifted cone can not be cashed, and only the specified gifty cone sold by the seller of the gifty cone There is a problem that the buyer can purchase and can not purchase the gifty cone corresponding to the amount desired by the user.

Korea Patent Application No. 10-2002-0080585, "Coupon Providing Method" Korean Registered Patent (Registration No. 10-0297976, " Issuance of cyber payment means marked with unique information on a computer network, and payment system and method therefor ")

The technical problem to be solved by the present invention is to provide a system and a method for enabling a user to easily issue an online bearer name (for example, an online check, a gift certificate, etc.) of an amount desired by a user through a digital system and a publishing device owned by the user .

Further, the present invention provides a system and method for easily transferring an issued online bearer bond to another person, and allowing the bearer to easily use the online bearer bond. And in some cases, only a specified transferee can use the online bearer bond, and a method thereof.

It is another object of the present invention to provide a system and method for easily issuing an online bearer bond in an online settlement or offline settlement as well as in a cash settlement.

Also, the present invention provides a system and method for facilitating settlement of the third person by using the online bearer bond when a third person (e.g., a family member) wants to purchase a goods or service on / offline will be.

According to an aspect of the present invention, there is provided a digital system using an on-line bearer bond to solve the technical problem, the digital system comprising: an issuance system for issuing an on-line bearer bond; a communication unit for communicating through a wire / wireless network; A short-range wireless communication unit for performing short-range wireless communication with the device, and a control unit, wherein when the short-range wireless communication is performed, a request signal for requesting issuance of an on- And issue an on-line bearer corresponding to the issuance amount by the issuing system that has received the request signal.

Also, the control unit receives the identification information of the issuing device through the short-range wireless communication, and transmits the issuance requirement information corresponding to the identification information of the issuance device to the issuance system to issue the on-line bearer And the issuance system issues an online bearer bond corresponding to the issuance amount until the settlement is made.

Further, the control unit may transmit the issuance requirement information corresponding to the identification information of the issuing apparatus received through the short-range wireless communication to the issuing system, And the online bearer bonds are selectively issued by the issuing system according to the account status.

Further, the digital system includes a circulation unit for controlling the transmission of the online bearer bonds stored in the digital system to the second digital system, wherein the circulation unit includes information about the second digital system of the online bearer bonds The issuing system may transmit the transfer request to the issuing system so that the use system, which is a system capable of using the online bearer bond by the issuing system, is set as the second digital system.

Further, the communication unit may receive a transmission request signal from the third digital system,

When the issuing apparatus and the short-distance wireless communication unit perform short-distance wireless communication in response to the reception, the control unit transmits the request signal including the issuance amount corresponding to the request amount included in the transmission request signal to the issuing system To transmit the online bearer bond received in response to the transmission to the third digital system or to cause the online system to transmit the online bearer bond to the third digital system by the issuer system in response to the transmission have.

Further, the communication unit may receive a transmission request signal from the third digital system,

Wherein when the issuing apparatus and the short-range wireless communication unit perform short-distance wireless communication in response to the reception, the control unit transmits the identification information of the third digital system to the third digital system, Requesting signal to the issuing system so that the issuing system is an online bearer bond and the online bearer bond is an online bearer bond issued by the issuing system so that the online bearer bond can be used only in the third digital system. Or transmits the identification information of the third digital system included in the request signal to the issuance system so that the use of the online bearer name can be used only in the third digital system, The bond - the online bearer name received Is an online bearer bonds being issued by said issuance system to be used only in the third digital system can be controlled to transmit to the third digital system.

 Also, the control unit may include the settlement object information in the request signal and transmit the settlement information to the issuance system, and in response to the transmission, the online bearer bond from the issuance system receives the online bearer bond, And an online bearer bond issued by the issuance system so as to be usable only for a payment transaction.

Further, the digital system further includes a use unit for using an online bearer bond stored in the digital system, and the use unit transmits identification information of the online bearer bond to a settlement target system for settlement of a predetermined settlement case Or the payment target system displays the identification information of the online bearer bond in a predetermined manner so that the settlement of the online bearer bond corresponding to the identification information as the payment means is performed by the settlement system can do.

Further, the digital system may further include a use unit for using an online bearer bond stored in the digital system, wherein the use unit transmits a deposit request signal corresponding to the online bearer bond to a predetermined financial institution system, The financial institution system may communicate with the issuance system so that the money exchange amount corresponding to the issuance amount of the online bearer bond can be deposited into the account corresponding to the digital system.

Also, it is preferable that at least one of the identification information of the digital system or the identification information of the issuing device capable of requesting issuance of the online bearer bond is stored in advance in the issuance system, Or the identification information of the issuing device that has performed the short-distance wireless communication with the digital system corresponds to the information previously stored in the issuance system, the issuance system may issue the online bearer bond .

According to another aspect of the present invention, there is provided an issuing system for issuing an online bearer bond to a digital system, the issuance system comprising: a request signal requesting issuance of an online bearer bond corresponding to an issuance amount requested by the digital system from the digital system; A request signal output by the digital system is received when the digital system and the issuing apparatus perform short-range wireless communication through the communication module, and the issuance amount included in the received request signal And a publishing module for issuing corresponding online bearer bonds.

When the issue request information corresponding to the identification information of the issuing device is received from the digital system, the issue module sets the issuance price of the online bearer bond as the payment means on the basis of the issue request information And issues an online bearer bond corresponding to the issuance amount until the settlement is made.

The issuing module may receive issuance requirement information corresponding to identification information of the issuing apparatus from the digital system and selectively issue the issuance amount information corresponding to the issuance amount in accordance with the user status or the account status corresponding to the received issuance requirement information The issuer issues an online bearer bond.

The issuing system may further include a use system that is a system that receives a transfer request requesting transfer of the online bearer bond from the digital system to a second digital system and that can use the online bearer bond in response to receipt, 2 < / RTI > digital system.

In addition, when the system designation information is included in the request signal so that only the third digital system can use the online bearer bond, the issue module issues an online bearer bond set to be used only in the third digital system, System or the third digital system.

In addition, when the request signal includes the settlement object information including information on the settlement object capable of using the online bearer bond, the issuance module may transmit the settlement information corresponding to the settlement object, And transmits the settlement-designated online bearer bond to the digital system or a predetermined third digital system.

The issuing system may further include a settlement request in which the digital system transmits the settlement request of the predetermined settlement request or the settlement request from the financial institution system in which the digital system makes the deposit request, A use processing module for receiving a deposit processing request of an amount corresponding to the bond and performing settlement processing for making the online bearer name settlement means a settlement means in response to the received request or depositing a money amount corresponding to the online bearer bond .

In addition, the issuing system may include a predetermined DB, and the DB may include at least one of identification information of a digital system capable of requesting issuance of the online bearer bonds or identification information of the issuing apparatus. Wherein the issuing module issues the online bearer bond so that at least one of identification information of the digital system that transmitted the request signal or identification information of the issuing apparatus corresponds to information stored in advance in the DB can do.

According to another aspect of the present invention, there is provided a digital system providing method using an on-line bearer bond, the method comprising: performing a short-range wireless communication with a predetermined issuing apparatus; And transmitting the request signal to the issuance system that issues the online bearer bonds, and the issuance system that receives the request signal issues the online bearer bonds corresponding to the issuance amount.

In addition, the step of performing short-range wireless communication with the predetermined issuing apparatus of the digital system may include receiving the identification information of the issuing apparatus via the short-range wireless communication, Wherein the step of transmitting the request signal to the issuance system that issues the online bearer bond includes transmitting the issuance requirement information corresponding to the received identification information of the issuance apparatus to the issuance system, And issuing a payment for the issue price, wherein the issuance system issues an online bearer bond corresponding to the issuance amount until the payment is made.

The step of transmitting the request signal including the issuance amount to the issuing system issuing the online bearer bonds may include issuing issuance information corresponding to the issuance apparatus identification information received through the short- And issuing the on-line bearer to the issuing system, wherein the on-line bearer is selectively issued by the issuing system according to the user status or the account status corresponding to the transmitted issuance requirement information.

Further, the digital system providing method using the online bearer bond further includes transmitting the transfer request to the issuing system in which the digital system includes information on the second digital system of the online bearer bond, The use system being a system that can use the online bearer bonds by the issuing system in response to the request is set as the second digital system.

In addition, the digital system providing method using the online bearer bonds may include receiving the transmission request signal from the third digital system by the digital system, transmitting the request signal to the issuing apparatus and the short- The digital system transmits the request signal including the issuance amount corresponding to the requested amount included in the transmission request signal to the issuance system, To transmit the online bearer bond received from the system to the third digital system, or to cause the issuing system to transmit the online bearer bond to the third digital system in response to the transmission.

In addition, the digital system providing method using the online bearer bond may further include receiving the transmission request signal from the third digital system, wherein the issuing apparatus and the short- The digital system may include the identification information of the third digital system in the request signal so that the use of the online bearer name can be used only in the third digital system and transmit the identification signal to the issuing system, Wherein the online bearer bond is an online bearer bond issued by the issuance system so that the online bearer bond can be used only in the third digital system; To enable the use of The identification information of the third digital system is included in the request signal and is transmitted to the issuance system, and the online bearer bond received in response to the transmission, the received online bearer bond, An online bearer bond issued by the third digital system to the third digital system.

The step of transmitting the request signal including the issuance amount to the issuing system for issuing the online bearer bonds includes transmitting the request signal to the issuing system including the settlement object information in the digital signal, A method of providing a digital system using an online bearer bond is characterized in that, in response to transmission, the online bearer bond - the online bearer bond received from the issuance system is issued by the issuance system so that the online bearer bond can be used only for a payment item corresponding to the settlement object information And a step of receiving the online bearer bonds.

In addition, the digital system providing method using the online bearer bonds may be configured such that the digital system transmits identification information of the online bearer bonds to a settlement target system for payment of a predetermined settlement request, And displaying the identification information in a predetermined manner so as to be able to read the identification information, so that settlement is performed by the settlement system as the payment means as the online bearer name corresponding to the identification information .

The digital system providing method using the online bearer bond may further include transmitting the deposit request signal corresponding to the online bearer name bond stored in the digital system to the predetermined financial institution system in the digital system, So that the financial institution system communicates with the issuing system so that the money amount corresponding to the issuance amount of the online bearer name bond is deposited into the account corresponding to the digital system.

Also, it is preferable that at least one of the identification information of the digital system or the identification information of the issuing device capable of requesting issuance of the online bearer bond is stored in advance in the issuance system, Or the identification information of the issuing device that has performed the short-distance wireless communication with the digital system corresponds to the information previously stored in the issuance system, the issuance system may issue the online bearer bond .

A method of providing an issuance system for issuing an online bearer bond to solve the technical problem is characterized in that when the issuance system performs short-range wireless communication with the digital system and the issuance apparatus, Receiving a request signal for requesting issuance of an online bearer bond corresponding to the issuance signal, and issuing an online bearer bond corresponding to the issuance amount included in the received request signal by the issuance system.

The issuing system providing method using the online bearer bonds may further include the steps of the issuing system receiving issuance requirement information corresponding to the identification information of the issuing apparatus from the digital system, Further comprising the step of performing settlement of the issuance price of the on-line bearer with the issuing device as the settlement means, and issuing the on-line bearer certificate corresponding to the issuance amount until the settlement is made .

The issuing system providing method using the online bearer bond further includes receiving the issuance necessity information corresponding to the identification information of the issuing apparatus from the digital system by the issuing system, The step of issuing the online bearer bonds corresponding to the issuance amount included in the signal may include issuing an online bearer bond corresponding to the issuance amount selectively according to the user state or the account state corresponding to the received issuance necessary information .

The issuing system providing method using the online bearer bond also includes receiving a transfer request for requesting the issuing system to transfer the online bearer bond from the digital system to the second digital system, And setting the use system as the second digital system, wherein the use system is a system in which the system can use the online bearer bond.

Also, the issuing system providing method using the online bearer bonds may be configured such that the issuing system is configured to issue, from the financial institution system in which the digital system has made the settlement request of the predetermined settlement request, Receiving a settlement request with a bearer's name as a settlement means or a deposit processing request with an amount corresponding to the online bearer's bond; and a settlement processing in which the issuance system sets the online bearer name as a settlement means in response to the received request, And performing a deposit process of an amount corresponding to the online bearer bond.

The issuing system providing method using the online bearer bond may further include storing in advance in the DB at least one of the identification information of the digital system and the identification information of the issuing apparatus that the issuance system can request to issue the on- Wherein the step of issuing the online bearer bonds corresponding to the issuance amount included in the received request signal includes the step of transmitting the identification information of the digital system that transmitted the request signal or the identification information of the issuing apparatus And at least one of the online bearer bonds may correspond to information previously stored in the DB, and may issue the online bearer bonds.

According to the technical idea of the present invention, it is possible for a user to easily issue a necessary amount of online bearer bonds by simply performing a short distance wireless communication with a digital system and a publishing apparatus owned by a user.

In addition, since the online bearer bonds issued according to the technical idea of the present invention are easy to transfer and can be cashed, it is possible to provide an online bearer bond (e.g., online check) corresponding to cash to a desired person without complicated account transfer ) Can be easily transmitted.

In addition, the issued online bearer bond can be easily transferred to another person, and if necessary, the rights transfer of the online bearer bond can be controlled by the issuance system, The problem that the online bearer bond can be illegally used by the person is solved.

In addition, since the issued online bearer bonds can be easily used for on-line settlement or off-line settlement, it is possible to replace existing settlement means.

Also, when another person (for example, a family member) wants to purchase a product or a service on / off line, the settlement of the other person can be easily performed using the online bearer bond.

In addition, the use system of the online bearer bonds can be specified, and the use of the bearer bonds can be specified, so that the use of the online bearer bonds can be controlled according to the user's needs.

BRIEF DESCRIPTION OF THE DRAWINGS A brief description of each drawing is provided to more fully understand the drawings recited in the description of the invention.
1 shows schematic systems for implementing a method of providing a digital system using an on-line bearer bond according to an embodiment of the present invention.
FIG. 2 is a diagram showing a schematic configuration of a digital system using an on-line bearer bond according to an embodiment of the present invention.
3 is a diagram showing a schematic configuration of an issuing system according to an embodiment of the present invention.
Figure 4 illustrates examples of on-line bearer bonds issued in accordance with an embodiment of the present invention.
5 is a schematic view for explaining a process of issuing an online bearer bond according to an embodiment of the present invention.
FIG. 6 is a schematic diagram for explaining a process of issuing an online bearer bond for another person according to an embodiment of the present invention.
FIG. 7 is a diagram for explaining a process of transferring an online bearer bond according to an embodiment of the present invention.
FIG. 8 is a diagram for explaining a process of using an online bearer bond according to an embodiment of the present invention.

BRIEF DESCRIPTION OF THE DRAWINGS The present invention is capable of various modifications and various embodiments, and specific embodiments are illustrated in the drawings and described in detail in the detailed description. It is to be understood, however, that the invention is not to be limited to the specific embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

The terms first, second, etc. may be used to describe various elements, but the elements should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another.

The terminology used in this application is used only to describe a specific embodiment and is not intended to limit the invention. The singular expressions include plural expressions unless the context clearly dictates otherwise.

In this specification, the terms "comprises" or "having" and the like refer to the presence of stated features, integers, steps, operations, elements, components, or combinations thereof, But do not preclude the presence or addition of features, numbers, steps, operations, components, parts, or combinations thereof.

Also, in this specification, when any one element 'transmits' data to another element, the element may transmit the data directly to the other element, or may be transmitted through at least one other element And may transmit the data to the other component. Conversely, when one element 'directly transmits' data to another element, it means that the data is transmitted to the other element without passing through another element in the element.

Hereinafter, the present invention will be described in detail with reference to the embodiments of the present invention with reference to the accompanying drawings. Like reference symbols in the drawings denote like elements.

1 shows schematic systems for implementing a method of providing a digital system using an on-line bearer bond according to an embodiment of the present invention.

1, in order to implement a digital system providing method using an on-line bearer bond according to an embodiment of the present invention, a digital system (hereinafter referred to as a 'digital system') 100 using an on-line bearer bond and a issuing apparatus 200 .

In the digital system 100, predetermined software for implementing the technical idea of the present invention may be installed. The software may be software distributed by the operating entity of the issuing system 300 or may be distributed by a predetermined vendor cooperating with the issuing system 300.

The digital system 100 may perform short-range wireless communication with the issuing apparatus 200. [

In addition, the digital system 100 may perform wired / wireless communication with the issuing system 300 to implement the technical idea of the present invention. In addition, the digital system 100 can make a settlement request to a predetermined settlement target system 400 using an on-line bearer according to the technical idea of the present invention as a settlement means. In this case, the settlement system 400 and the issuing system 300 may perform a series of processes for making settlement with the online bearer bonds, that is, a settlement process, by communicating with each other. The communication and payment processing may be performed at a time when a payment request is made, or may be performed after a time difference. For example, it may become a prepayment system and the process of post-settlement may be made.

Also, the digital system 100 may communicate with a predetermined financial institution system 500. The digital system 100 may request the financial institution system 500 to deposit the online bearer bond (i.e., exchange money). Then, the financial institution system 500 and the issuance system 300 communicate with each other, and a series of processes for causing the money corresponding to the online bearer bonds to be deposited in the account corresponding to the digital system 100 , And deposit processing can be performed. According to an embodiment, the financial institution system 500 may be the issuing system 300, in which case the deposit processing process may be made easier.

In addition, the digital system 100 may communicate with a predetermined second digital system 600, and the digital system 100 may transfer the on-line bearer bonds to the second digital system 600. [ The transfer process may refer to a series of procedures that allow the second digital system 600 to use the online bearer bonds. This transfer processing can be performed by the digital system 100 and / or the issuing system 300. [

Also, the digital system 100 communicates with a predetermined third digital system 700, and in response to a request for transmission of an online bearer bond requested from the third digital system 700, The issuing system 300 may issue an online bearer bond that can be used in the issuing system 700. That is, the digital system 100 requests to issue an online bearer bond, and the issued online bearer bond may be an online bearer bond set to be used by the third digital system 700. [ According to an embodiment of the present invention, the digital system 100 transmits an online bearer bond issued and issued on an online bearer bond to the third digital system 700 without performing a procedure of transferring it to the third digital system 700, The issuer system 300 may be requested to issue the bearer bond, or an online bearer bond for the third digital system 700 may be issued. Through this technical idea, the user of the digital system 100 can securely and easily perform the settlement of the other person by issuing the online bearer name for the settlement of the third person who is the user of the third digital system 700. [ In other words, conventionally, when a user informs another person to settle payment information (e.g., a card number, valid period, etc.) of a issuing device (for example, a credit card or a check card 200) However, according to the technical idea of the present invention, it is possible to easily and safely carry out settlement for the other person while the user is directly issuing the issuance of the issuing device 200 and the issuance using the issuing device 200.

The digital system 100 may request the issuing system 300 to issue an online bearer bond. The digital system 100 may settle the amount corresponding to the issuance amount of the online bearer bond and then issue the online bearer bond from the issuance system 300. [ According to an embodiment of the present invention, the state of the user corresponding to the issuing device 200 performing the short-range wireless communication (e.g., credit rating, asset, etc.) or the state of the account corresponding to the issuing device 200 ) Balance, etc., the settlement may be made later. That is, in order for the digital system 100 to issue an online bearer bond corresponding to a predetermined issuance amount, the issuance price corresponding to the issuance amount may be paid first, or the settlement may be preceded by the state of the user and / The online bearer bond may be issued. In addition, when paying the issue price first, the settlement may be performed using the issuing device 200 as the settlement means, or an amount corresponding to the issue price may be withdrawn from the account corresponding to the issuing device 200, . This post settlement or linked withdrawal can be more easily performed especially when the generation system 300 is the financial institution system 500 or in conjunction with the financial institution system 500.

In any case, the digital system 100 can issue an online bearer bond amount of a desired amount by the user. If you want to issue an online bearer bond for another person's settlement, the amount requested by another person or the amount required for the settlement of another person may be the amount the user desires.

The online bearer bond can be, for example, an online check distributed online. Depending on the implementation, it may be a voucher or coupon that is available at a particular payment destination (e.g., an online or offline store, etc.). In any case, the digital system 100 can set the amount of the amount specified by the user from the issuing system 300 (in the embodiment, the issuing system 300 can set the amount of the issued amount in advance) In this case, the user can select the issuance amount set by the user in advance or set in advance for each unit. In the present invention, the issuance amount specified by the user includes various specific methods for the user to select or input ) In the form of an online bearer bond. In order to settle the issue price of the on-line bearer, the user can make the digital system 100 perform short-range wireless communication with the issuing apparatus 200. [ Then, whether the on-line bearer is issued or not may be determined by the issuing system 300 according to the issuing device 200. [

For example, the issuing apparatus 200 that has performed the short-range wireless communication with the digital system 100 may be a payment means for paying the issuance price of the online bearer bonds. The issuance price may be the same as the issuance amount of the on-line bearer name bond, but it is not necessarily the same and the issuance price may be more expensive according to the embodiment than the predetermined fee required by the issuance system 300.

According to another embodiment, settlement (withdrawal of a print price, etc.) may be performed through a predetermined account corresponding to the issuing device 200 or another payment means. For example, when the issuing apparatus is a card A and the digital system 100 performs the short-range wireless communication, the issuing system 300 may set a predetermined account or account corresponding to a predetermined card A The payment corresponding to the issuance amount of the user can be performed through the payment means different from the A card such as the payment card B.

According to another embodiment, settlement is not made at the time of issuance of the online bearer bond in accordance with the user (e.g., credit rating) corresponding to the issuing device 200 and / or the state of the account (e.g., balance) Payment may be made at a predetermined time point after issuance. The time when settlement is performed may be the time when the online bearer bond is used by the user of the digital system 100 or another person (for example, the person who has received the online bearer bond), or may be a predetermined time after the use .

In order to determine whether or not the issuing system 300 is to be issued, the issuing apparatus 200 is referred to as a settlement means (the issuing apparatus 200 as the settlement means in the present invention is not particularly limited as far as the digital system 100 The issuing apparatus 200 itself performing the short-distance wireless communication with the digital system 100 becomes the settlement means, and the issuing apparatus 200 itself performing the short-range wireless communication with the digital system 100 is not the settlement means but the issuing apparatus 200), and includes a settlement system (not shown) capable of performing settlement, or communicates with the settlement system (not shown) Of course it is possible. If the issuing device 200 is a payment card such as a credit card or a check card, the payment system (not shown) may be a payment gateway (PG) system for performing payment using the payment information of the payment card, It will be readily apparent to one of ordinary skill in the art that the present invention may be an institutional system (e.g., a card company system, etc.).

Or the issuing system 300 communicates with the financial institution system operating the account corresponding to the issuing device 200 to grasp the state of the account and / or the state of the user, and then the issuing system 300 It may decide whether to issue an online bearer bond of the requested issue amount. This case can be more easily performed if the issuing system 300 is a system included in the financial institution system.

The digital system 100 may request the issuance system 300 to issue an online bearer bond having a predetermined amount as an issue amount and set a system for using the online bearer bond. According to an embodiment, the payment target of the online bearer bond can be specified.

The system for using the online bearer bond may refer to a system that can use the online bearer bond. In the present invention, the use of an online bearer bond means that the settlement of the online bearer bond (including the exchange or the transfer of the bearer bond due to the transfer to the own financial account) And the like. If the use system of the online bearer bond is not set separately, any system carrying the online bearer bond can use the online bearer bond. On the other hand, when the use system is set, the technical idea of the present invention can be implemented so that only the set use system uses the online bearer. The setting of the use system may be performed by the issuing system 300 holding management information on the online bearer bonds in a predetermined DB. The management information may include information on a system that can use the online bearer bonds. In addition, payment object information that can use the online bearer bond may be included in the management information.

The settlement object information may include information on a settlement object (for example, a specific online market, an offline store, etc.) in which the online bearer bond can be used. Therefore, even if the digital system is a use system in which the digital bearer can use the on-line bearer, if the digital system desires to use the online bearer bond as a settlement object that does not correspond to the settlement object information, Etc.) may not be allowed. According to an embodiment, the settlement object information may include information on a specific settlement case. In this case, the online bearer bond may be used only in the specific payment case. In the case where the online bearer bond is issued to be used for a specific settlement case, it may be particularly useful when the user of the digital system 100 makes a payment for the settlement of the other person. Therefore, even if another person receives the online bearer bond from the digital system 100 or from the issuance system 300, the online bearer bond can not be used for purposes other than the purpose of settlement of the settlement.

The online bearer bond may be represented by a set of predetermined digital codes expressing the online bearer bond, and the set of digital codes may include a digital marker of the online bearer bond (e.g., digital watermark). The issuance and assignment of the online bearer bonds is performed by the digital codes representing the on-line bearer bonds from the publishing system 300 to the digital system 100 or to a predetermined second digital system, To a predetermined second digital system 600. In the second digital system 600, The digital systems receiving the online bearer bonds may be provided with predetermined software for realizing the technical idea of the present invention, but the present invention is not limited thereto and may be implemented by general information transmission means (e.g., SMS or MMS) Transmission of bearer bonds may be performed. However, when the online bearer bonds are distributed as general-purpose information delivery means, information about digital systems participating in the distribution of online bearer bonds in the issuing system 300 is maintained as management information, It is possible to prevent problems caused by illegal copying of bonds.

The digital system 100 may be any type of data processing apparatus capable of short range wireless communication using the predetermined communication protocol with the issuing apparatus 200 and having a date processing capability capable of performing the functions defined herein Can be defined as including meaning. For example, although the digital system 100 is shown in the form of a mobile phone in FIG. 1, it may be implemented in a computer, a notebook, a tablet, an IPTV, a smart TV, a set top box, a remote controller, a music player, a home automation device, May vary.

According to an embodiment, the digital system 100 does not include a predetermined local wireless communication unit (for example, an NFC module, an RF communication device, or the like) for implementing the technical idea of the present invention, . In this case, the digital system 100 may have a predetermined interface (e.g., a USB interface, etc.) selectively connectable with the short-range wireless communication unit. The digital system 100 may implement the technical idea of the present invention by including the short-range wireless communication unit regardless of whether the short-range wireless communication unit is built-in or enclosed. For example, when the digital system 100 is a desktop PC, a predetermined short range wireless communication unit for realizing the technical idea of the present invention may be connected to the desktop. When the digital system 100 is connected to the desktop, 0.0 > 100). ≪ / RTI >

The issuing device 200 may mean a payment means capable of performing short-range wireless communication with the digital system 100. [ For example, the issuing device 200 may be an IC card capable of performing short-range wireless communication with the digital system 100 or a payment card implemented with a smart card. According to another embodiment, the issuing device 200 may also be implemented as a digital system (e.g., a mobile phone, etc.) having a payment payment card built therein. According to an embodiment, the issuing device 200 may not be a payment means but may simply be a device capable of performing short-range wireless communication with the digital system 100 (e.g., an NFC tag or the like). In this case, an account corresponding to the issuing device 200, another payment means or a user can be grasped by the issuing system 300 and / or the digital system 100. In this specification, for convenience of explanation, the publishing device 200 will be described as an example of a payment means (for example, a payment payment card), but the scope of rights of the present invention is not limited thereto.

The local wireless communication performed by the digital system 100 and the issuing device 200 may be various conventional short range wireless communication such as NFC communication, Bluetooth, and IrDA (Infrared Data Association).

According to an embodiment of the present invention, when the digital system 100 and the issuing apparatus 200 perform short-range wireless communication, the digital system 100 can acquire the identification information of the issuing apparatus 200 have. The identification information of the issuing device 200 may be the payment information of the issuing device 200 (for example, a card number in the case of a payment card) or may be the device identification information of the issuing device 200.

Then, the digital system 100 transmits to the issuing system 300 the issuance necessary information necessary for the issuing system 300 to settle the issuance price corresponding to the issuance amount of the online bearer bond, based on the received identification information, As shown in FIG.

The issuance requirement information is information necessary for the issuance system 300 to acquire payment information (for example, a card number or the like) or an account for performing settlement, another payment means corresponding to the issuing device 200, Lt; / RTI > The issue-required information may be the payment information itself. When the digital system 100 can receive the payment information of the issuing device 200 through the short-distance wireless communication, the received payment information may be transmitted to the issuing system 300 as the issuance necessary information. Or even if the digital system 100 receives the device identification information of the issuing device 200 through the short-range wireless communication, the payment information, the account information, or the user's identification information corresponding to the device identification information may be stored in the digital The digital system 100 extracts the payment information based on the device identification information and stores the extracted payment information, account information, or user identification information in the issuing system 100 300). According to an embodiment, the digital system 100 may transmit the device identification information to the issuing system 300 as the issuance necessity information. At this time, payment information, account information, or information for identifying the user may be stored in the issuing system 300 in advance.

In any case, the issuing system 300 can determine whether to issue an on-line bearer corresponding to the request signal based on the issuance requirement information received from the digital system 100. When the online bearer bond is issued until settlement, the issuing system 300 can perform settlement processing using the specified settlement information or account information based on the received issue-required information. It is possible for an average expert in the technical field of the present invention to perform payment (or transfer) if he / she knows payment information (for example, card number and / or expiration date) or account information (for example, financial institution, account number, It is a well-known technical idea, so a detailed description is omitted.

As described above, according to the technical idea of the present invention, it is possible to easily issue an online bearer bond corresponding to a desired amount by making short-range wireless communication between the digital system 100 and the issuing apparatus 200. [ According to the technical idea of the present invention, when an online bearer bond is issued, it is easy to transfer it or make it easy for others to use it. It can also be a new way to easily offer cash online to others.

For example, in order to convey the expenses of the congratulatory and condolence service (money, salary, etc.), conventionally, it was necessary to transfer directly to the party or to inform the account information of the party, and then transfer the account to the account information. In the latter case, it was not easy to inquire the account information to the parties, but it is not easy to ask account information to the uninvited party because of the congratulatory address. Therefore, if the person can not participate directly in the congratulatory address, It was very inconvenient to use. However, according to the technical idea of the present invention, it is possible to issue the online bearer bonds simply by issuing the online bearer bonds, knowing only the telephone number of the parties, and transmit the online bearer bonds to the parties, , Since the online bearer bonds can be exchanged, they can be effectively used for transferring money such as the delivery of the congressional expenses (defraudation, congratulatory money).

In addition, a user who wishes to give an allowance to a family member or a relative can also easily transfer a bond after issuing an online bearer bond according to the technical idea of the present invention. As will be described later, There is an effect that may be limited.

On the other hand, when the digital system 100 and the issuing apparatus 200 perform short-range wireless communication, it is possible to easily issue an online bearer bond that can be used for settlement or cashing (currency exchange, etc.). In this case, if the issuing device 200 is lost or stolen, there may be a problem that the owner of the issuing device 200 may suffer fatal damage. To this end, the technical idea of the present invention stores in advance the information about the digital system and / or the issuing apparatus that can participate in issuing the online bearer bonds according to the technical idea of the present invention in the issuing system 300, An online bearer bond can be issued only when a request for issuing short-range wireless communication and on-line bearer bonds is received by the digital system 100 and / or the issuing apparatus 200. [ In this case, by not issuing the online bearer bond in the case of not being the digital system 100 and / or the issuer 200 registered in advance in the issuance system 300, it is possible to easily issue the online bearer bond, Can be provided. In particular, when all of the information about the digital system 100 and the issuing device 200 corresponding to the digital system 100 is registered in the issuing system 300, the registered digital system 100 or the issuing device 200 Even if any one of them is used, the technical idea of the present invention can not be applied. The user can register information on the digital system 100 and / or the issuing device 200 that he / she will use in issuing the online bearer bonds in the issuing system 300, and when registering, For example, an authentication certificate, a mobile phone authentication, a credit card authentication, etc.) may be required.

A schematic configuration of the digital system 100 according to an embodiment of the present invention to implement this technical idea is shown in Fig. Also, the schematic configuration of the issuing system 300 is shown in Fig.

FIG. 2 is a diagram showing a schematic configuration of a digital system using an on-line bearer bond according to an embodiment of the present invention. 3 is a diagram showing a schematic configuration of an issuing system according to an embodiment of the present invention.

2, a digital system 100 using an on-line bearer bond according to an embodiment of the present invention includes a controller 110, a communication unit 120, and a short-range wireless communication unit 130. The digital system 100 may further include a circulation unit 140 and / or a usage unit 150.

The control unit 110 may drive predetermined software (for example, an application) installed in the digital system 100 or may drive an OS of the digital system 100 to perform the technical idea of the present invention. In other words, the digital system 100 according to the embodiment of the present invention may install a predetermined application to implement the technical idea of the present invention, and the technical idea of the present invention May be implemented.

3, a publishing system 300 according to an embodiment of the present invention includes a communication module 300 and a publishing module 320. In addition, The issuing system 300 may further include a distribution processing module 330, a usage processing module 340, and / or a DB 350.

In the present specification, a configuration represented by '~' or '~ module' may mean a functional and structural combination of hardware for carrying out the technical idea of the present invention and software for driving the hardware. For example, each of the above configurations may refer to a logical unit of a predetermined code and a hardware resource for executing the predetermined code, and may be a code physically connected to one another or a specific type of hardware May be easily deduced to the average expert in the field of the present invention. Thus, each of the above configurations refers to a combination of hardware and software that performs the functions defined herein, and does not mean a specific physical configuration.

The control unit 110 may control the functions of other components included in the digital system 100 such as the communication unit 120, the short range wireless communication unit 130, the circulation unit 140, and / or the usage unit 150 And / or resources.

The communication unit 120 may perform wired or wireless communication with the issuing system 300.

The short-distance wireless communication unit 130 may perform short-range wireless communication with the issuing apparatus 200. [

Then, the control unit 110 may transmit a request signal to the issuing system 300 requesting the issuance of the online bearer bonds corresponding to the issuance amount specified by the controller 110. [ The controller 110 receives the issuance amount from the user of the digital system 100 and transmits a request signal including the information on the issuance amount to the issuing system 300. Alternatively, the control unit 110 may receive a transmission request signal of an on-line bearer from a digital system of another person. Then, information on an amount included in the transmission request signal may be specified as the issuance amount.

The request signal may be transmitted to the issuing module 320 included in the issuing system 300. Then, the issuing module 320 may issue an online bearer corresponding to the issuance amount included in the request signal. The issuance of the online bearer bonds may mean generating predetermined digital codes corresponding to the online bearer bonds, and the digital codes may be transmitted to the digital system 100 as an embodiment as shown in FIG. 4 Can be displayed.

Figure 4 illustrates examples of on-line bearer bonds issued in accordance with an embodiment of the present invention.

4A to 4D, the online bearer bonds according to the embodiment of the present invention may be digital information in which various kinds of bearer bonds such as online checks or online gift certificates are digitized and implemented.

As shown in FIGS. 4A to 4D, the amount of the issue (for example, 50,000 won or 23,000 won) may be displayed on the online bearer bonds. Further, identification information (for example, 1234-5678) of the online bearer bond or encoded information indicating the identification information (for example, a barcode, a two-dimensional barcode, and the like as shown in FIG. 4C) may be further displayed.

The online bearer bonds as shown in FIG. 4A or FIG. 4B can be issued to use for various settlement objects in which the online bearer bonds can be used because the settlement object is not specified. In addition, the on-line bearer name as shown in FIG. 4C may be issued only for the settlement target (for example, XX market) after the settlement object (for example, XX market) is determined.

Depending on the implementation, it may be issued only for a specific settlement (for example, a transaction number abcd, a settlement for 23,000) as shown in Fig. 4D. For example, the user A may wish to purchase a product at the online shopping mall using his / her third digital system 700. [ At this time, the user A may request the digital system 100 of the user B to transmit an online bearer to be used for purchasing the product. The transmission signal for such a request may include a price of the commodity and / or a transaction number that can identify a transaction of the commodity. Then, the digital system 100 of the user B may transmit management information including the transaction number as a settlement target (that is, a use destination where an online bearer bond can be used) to the issuance system 300 by including it in the request signal. Then, the issuing system 300 can issue an online bearer bond, which can be used only to settle the transaction number, and transmit it to the digital system 100 or the third digital system 700. Of course, the identification information of the third digital system 700 may be included in the request signal, and the issuing system 300 may issue an online bearer bond that can be used only in the third digital system 700.

Meanwhile, as shown in FIG. 4, the online bearer bond may be provided with a UI 10 for inputting predetermined user information. The user information of the user of the digital system using the online bearer bonds can be input to the UI 10. According to an example, the user information may be identification information (e.g., telephone number, etc.) of a digital system of a person who uses the online bearer bond, that is, a digital system (e.g., 100) in which the online bearer bond is stored. Depending on the implementation, the user's name, signature, etc. may be input to the UI 10.

The user may directly input the user information to the UI 10. [ For example, if the user information is identification information (e.g., telephone number, etc.) of the digital system 100, the user can directly input his or her telephone number into the UI 10. [ According to an embodiment, the software for implementing the technical idea of the present invention automatically extracts the identification information of the digital system 100, and extracts the extracted telephone number (in some embodiments, And extracts the hardware key value and extracts the hardware key value, extracts the hardware key value, and extracts the telephone number corresponding to the key value. May be input to the UI 10 automatically, as it is not an essential process of the present invention.

For example, if the user information is a signature of the user, the user may directly sign the UI 10 to use the online bearer bond. To this end, the digital system 100 may include a touch screen. Alternatively, a series of actions may be performed by the user, in which the user's signature is digitized and stored in the digital system 100, and the stored information is input to the UI 10. [

When the user information input to the UI 10 is the identification information of the digital system 100, the online bearer bond to which the identification information of the digital system 100 is input is used by the settlement target system 400 or the predetermined The settlement system 400 or the financial institution system 500 may perform settlement processing or deposit processing through communication with the issuing system 300. [ The settlement system 400 or the financial institution system 500 transmits the identification information of the online bearer bond and the user information (i.e., the identification information of the digital system 100) to the issuance system 300 for use (Payment processing or deposit processing). Then, the issuing system 300 may check the information about the system of using the online bearer bonds set in the DB 350, and may perform use processing only when the confirmed information corresponds to the user information.

As a result, the user information that can be input to the UI 10 of the online bearer bond is used to determine whether the online bearer bond corresponds to a predetermined use system when the issuance system 300 processes the bond . Therefore, the UI 10 may be displayed only on the online bearer bonds for which the use system is set. Of course, the UI 10 may be displayed even if an online bearer bond is not set up with the use system, and may be implemented to be finally used by the issuing system 300 only when predetermined user information is input. At this time, This can have the same effect as a creditor endorsing or signing in a conventional offline bearer bond.

Referring back to FIG. 2 and FIG. 3, the issuing module 320 may store information on the issued online bearer bonds in the DB 350. The information on the online bearer bond may include information on the issuer of the online bearer bond and information on the issue amount. And may include management information of the online bearer bonds according to the embodiment. As described above, the management information may include information on a using system, information on a settlement object, and the like.

Meanwhile, the issuing module 320 may issue an online bearer bond according to a request signal received from the controller 110 as described above, and determine whether to issue the bond. The criterion of the issuance may be whether or not the issuance price corresponding to the issuance amount of the online bearer bond has been settled. Alternatively, it may be determined based on the state of the issue requestor or the state of the account of the issue requestor.

An example of the process of the issuance of the issuance request by the control unit 110 and the issue of the online bearer bond by the issuance module 320 is shown in FIG.

5 is a schematic view for explaining a process of issuing an online bearer bond according to an embodiment of the present invention.

Referring to FIG. 5, the digital system 100 may perform short-range wireless communication with the issuing apparatus 200 (S10). The digital system 100 may perform short-range wireless communication with the issuing apparatus 200 while executing predetermined software for implementing the technical idea of the present invention, ) And may execute the software.

The control unit 110 of the digital system 100 may transmit a request signal to the issuing module 320 in step S20 in order to perform short-range wireless communication with the issuing apparatus 200. [ Before transmitting the request signal, the software may provide a predetermined UI so that the user can input the amount of the issuance. The issuance amount input through the UI may be included in the request signal and may be transmitted to the issuing module 320.

Then, the issuing module 320 issues an online bearer bond corresponding to the request signal and transmits the bond to the digital system 100 (S50).

The issuing module 320 may determine whether it is possible to issue an online bearer bond before issuing the online bearer bond (S40), and may issue the online bearer bond based on the determination result .

The issuing module 320 may determine that the online bearer bond can be issued only by paying the issuance price corresponding to the issuance amount of the online bearer bond. The settlement of the issue price may be a payment using the issuing device 200 when the issuing device 200 is a payment means (for example, a payment payment card). Or a payment using another payment means corresponding to the issuing device 200 (for example, a payment card different from the issuing device 200 set in advance for payment). Or from the account of the issuer (the user of the digital system 100) to the account corresponding to the issuer system 300. The issuing module 320 may perform a series of processes for communicating with a predetermined payment system or a financial institution system corresponding to the account so as to settle the amount corresponding to the issuance price.

Alternatively, it is possible to determine whether or not it is OK to issue an online bearer bond corresponding to the issuance amount according to the state of the issuer and / or the state of the issuer's account even if the settlement is not made first.

The determination of the issuance availability performed by the issuance module 320 may be based on the issuance requirement information received from the control section 110. [ The issuance necessary information may be identification information of the issuing device 200 or payment information of the issuing device 200. [ When the identification information of the issuing device 200 is received as the issue-requiring information, the issuing module 320 determines the payment information based on the identification information of the received issuing device 200, (E.g., creditworthiness, etc.). Of course, the payment information corresponding to the identification information of the issuing device 200, information on the user, and / or information on the account may be stored in the issuing system 300 in advance.

If the issuance requirement information is payment information, the issuance module 320 may perform settlement processing using the payment information. Of course, the payment information may be used to determine the status of the user and / or information about the account. In any case, the issuing module 320 can receive the issuance necessary information, determine the issuance availability by checking the status of the user and / or the account status using the received issuance requirement information.

According to the technical idea of the present invention, the issuing system 300 stores in advance the identification information of the digital system and / or the identification information of the issuing apparatus, which can request issuance of the online bearer bonds in accordance with the technical idea of the present invention Can be. That is, the user who wishes to use the online bearer bonds according to the technical idea of the present invention can transmit the identification information of the digital system 100 himself / herself to the issuing system 300 and / Information can be registered in the DB 350 in advance.

When the request signal is received (S20), the issuing module 320 can confirm the identification information of the digital system 100 and / or the identification information of the issuing device 200 that transmitted the request signal. The digital system 100 can determine whether or not the issuance of the on-line bearer can be issued by checking whether the confirmed information corresponds to the previously registered information.

Accordingly, when the digital system 100 or the issuing apparatus 200 is lost or stolen, it is possible to issue a problem according to the technical idea of the present invention, that is, to simply issue an online bearer bond that is like cash, It is possible to prevent a problem that a large economic loss may occur to the user. This effect can be further enhanced if the digital system 100 and the issuing apparatus 200 capable of performing short-range wireless communication with the digital system 100 are registered in advance in the issuing system 300 .

Meanwhile, the issuing module 320 can set a usage policy of the online bearer bonds issued by the issuing module 320 as described above. Management information indicating a usage policy may be received through the control unit 110. [ The control unit 110 receives information on a usage policy from a user, and transmits management information corresponding to the usage policy included in the request signal to the issuing module 320 (S20).

According to an example, the management information may include information on a use system in which the online bearer bond can be used. In addition, the management information may include information for specifying a settlement object in which the online bearer bond can be used. The management information may be stored in the DB 350 included in the issuing system 300. In this way, the use of the online bearer bonds can be controlled by the issuing system 300 so as to correspond to the management information stored in the DB 350. [

Such an example is shown in Fig.

FIG. 8 is a diagram for explaining a process of using an online bearer bond according to an embodiment of the present invention.

Referring to FIG. 8, the on-line bearer can be used by a predetermined use system. The usage system may be, for example, the digital system 100 that issued the online bearer bonds or a system (e.g., the second digital system 600) that received the online bearer bonds from the digital system 100. Hereinafter, the case where the use system is the digital system 100 will be described as an example.

The use unit 150 included in the digital system 100 may request the settlement system 400 (or the financial institution system 500) to use the online bearer bond. The use processing module 340 included in the issuing system 300 receives a request for use of the online bearer name from the settlement system 400 (or the financial institution system 500) (For example, a settlement process or a deposit process) of the online bearer bond.

The use unit 150 included in the digital system 100 recognizes the identification information of the online bearer bond by using a predetermined settlement system 400 (or the financial institution system 500) to use the online bearer bond (S200). The method of recognizing the identification information of the online bearer bond may be various. According to an exemplary embodiment of the present invention, the settlement system 400 (or the financial institution system 500) and the digital system 100 communicate with each other to transmit the identification information of the online bearer bonds to the settlement system 400 (E.g., engine system 500). Or when the settlement target system 400 (or the financial institution system 500) includes a reader (for example, a camera or a barcode reader) installed in an off-line store, the identification information May be read. To this end, the use unit 150 may display the online bearer bonds in the digital system 100 in a predetermined form (for example, as shown in FIG. 4) that the reader can recognize.

Then, the settlement system 400 (or the financial institution system 500) in which the online bearer bonds are used transmits the identification information of the recognized online bearer bonds to the use processing module 340 of the issuing system 300 . Then, the use processing module 340 can confirm the received identification information of the online bearer bond and process the confirmed online bearer bond (S210). When the payment request is received from the settlement target system 400 (or the financial institution system 500), the settlement of use means performing a series of processes to perform the settlement using the online bearer bond have. For this purpose, the issuing system 300 can communicate with a predetermined payment system (not shown). When the deposit process is requested to the financial institution system 500, the use processing module 340 sends an amount corresponding to the issued amount of the on-line bearer bond requested for the deposit processing to the financial institution system 500 To the account in which the payment is made. Since the process performed by the usage processing module 340 for the settlement process or the deposit process is a process of making settlement with a predetermined settlement means or processing a money transfer, a detailed description will be omitted.

Meanwhile, a predetermined usage policy may be set for the on-line bearer to be used in the settlement system 400 (or the financial institution system 500). According to an example, a use system in which the online bearer bond can be used may be set in advance.

To this end, the digital system 100 further transmits information about the using system (for example, identification information (telephone number, etc.) of the digital system 100) to the settlement system 400 or the financial institution system 500 . The information on the use system may be user information input to the online bearer bond as described with reference to FIG. Alternatively, the settlement system 400 or the financial institution system 500 may confirm the information on the use system in a predetermined manner, and transmit the confirmed information to the issuance system 300 separately from the online bearer name bond have. For example, the software installed in the digital system 100 to use the online bearer bonds in the settlement system 400 or the financial institution system 500 may extract and transmit identification information of the digital system 100 . Alternatively, when the digital system 100 and the payment target system 400 (or the financial institution system 500) have a session connected thereto, the terminal identification information or IP of the digital system 100 is confirmed through the session , The identification information of the digital system 100 corresponding to the information confirmed by the communication company system or the like. The billing target system 400 (or the financial institution system 500) can confirm the identification information of the digital system 100 to use the online bearer bond in various manners.

The settlement system 400 or the financial institution system 500 may further transmit the identification information of the use system (for example, the digital system 100) to the use processing module 340 of the issuing system 300 (S220). The usage processing module 340 may receive information about the using system (e.g., identification information of the digital system 100) and authenticate whether the received information corresponds to management information previously stored in the DB 350 S230). If the authentication succeeds, the online bearer bond can be used so as to correspond to the management information set at the time of issuance, that is, the information about the use system.

The use processing module 340 may transmit the use processing result to the settlement target system 400 (or the financial institution system 500) (S250) (500) may also transmit the usage processing result to the digital system 100 (S260).

On the other hand, the management information of the online bearer name bond may include the settlement object information. The settlement object information may be information specifying a settlement object (for example, a specific online site, an offline store, a financial institution, etc.) in which the online bearer bond can be used, or may be information specifying a settlement case. In this case, the use processing module 340 of the issuing system 300 may receive the identification information of the online bearer bond from the settlement system 400 (or the financial institution system 500) (S210). According to an embodiment of the present invention, the settlement target system 400 may further transmit the settlement request identification information (for example, transaction number, etc.) to the settlement target system 400 to the settlement processing module 340 .

Then, the use processing module 340 confirms the settlement object information of the online bearer bond corresponding to the received identification information (and the identification information of the settlement case) in the DB 350, (Or the financial institution system 500) requesting the use of the bearer bond (S230). Or it may be authenticated whether it corresponds to the settlement request for which the use process is requested (S230). If the authentication is successful, the online bearer can be controlled to be used normally (S240).

As a result, the issuing module 320 of the issuing system 300 can set various use policies as management information while issuing the online bearer bonds, and when the online bearer bonds are actually used, the use processing of the issuing system 300 Module 340 is used to correspond to the management information. If the authentication is successful, the on-line bearer can be used in accordance with the set usage policy by normally using the on-line bearer on receipt.

The use policy can be set variously as well as the setting of the use system and the settlement object described above. For example, whether or not the on-line bearer can be transferred, the number of transfers, and the like can be set, and corresponding management information can be stored in the DB 350.

In addition, the user who issues the online bearer bond through the setting of the use system as described above can set the online bearer bond to be used only in his / her family, acquaintance, etc. system, It is possible.

Meanwhile, although the digital system 100 may issue an online bearer bond by itself, as described above, the user of the digital system 100 may issue a bond by himself or herself only at the request of another person (e.g., an acquaintance, a family member, a friend, You can issue an online bearer bond that you can use. In the case of such a technical idea, the user can safely use only the third party without notifying the payment information or giving the payment card when the third person (for example, family) wants to pay for a predetermined product or service There is an effect that can issue an online bearer bond.

Such an example is shown in Fig.

FIG. 6 is a schematic diagram for explaining a process of issuing an online bearer bond for another person according to an embodiment of the present invention.

Referring to FIG. 6A, the communication unit 120 included in the digital system 100 according to an embodiment of the present invention can receive a transmission request signal from a predetermined third digital system 700 (S200). The transmission request signal may be a request that the digital system 100 issue an online bearer bond for the third digital system 700.

Then, the user of the digital system 100 may perform short-range wireless communication with the issuing apparatus 200 to issue an online bearer bond for the third digital system 700 (S210).

Then, the control unit 110 may transmit a request signal for requesting issuance of the online bearer bond to the issuance module 320 (S220). In addition, the issuance module 320 may transmit the issuance requirement information as described above (S220). The controller 110 may transmit the request signal including the amount of the issuance, and the issuance amount may be an amount corresponding to the request amount included in the transmission request signal. That is, at this time, the control unit 110 does not issue the online bearer name bond, which is the amount of money requested by the third digital system 700, rather than the amount input by the user of the digital system 100 Or may be requested by the issuing system 300.

For example, the user of the third digital system 700 may transmit a transmission request signal to the digital system 100 requesting an online bearer amount of the desired amount. Then, in the digital system 100, transmission request information 20, 21 corresponding to the transmission request signal may be displayed as shown in FIG. 6B. The transmission request information may be information 20 for simply requesting transmission of an online bearer bond of a predetermined amount (for example, 30,000 won) as shown in FIG. 6B, (Transaction number: abcd amount: 23,000 won) for requesting the transfer of the online bearer name for payment.

A user who has confirmed the transmission request information 20, 21 can permit issuance of an online bearer bond corresponding to the transmission request information by selecting a predetermined UI 30, 31. And may perform the short-range wireless communication. Then, the control unit 110 may request the issuing system 300 to issue an online bearer amount corresponding to the requested amount included in the transmission request signal.

According to an embodiment of the present invention, the control unit 110 may include identification information (e.g., 010-1234-5678) of the third digital system 700 included in the transmission request signal in the request signal, 300). Then, the issuing module 320 can set the system of using the online bearer bonds to be issued to the third digital system 700. [ That is, the on-line bearer can be set to be used only in the third digital system 700.

If the user of the digital system 100 permits the transmission request information 21 of FIG. 6B, the control unit 110 determines whether the payment request (e.g., a payment request) included in the transmission request signal corresponding to the transmission request information 21 (Transaction number abcd) of the third digital system 700 purchasing the Y-commodity of the XX market) to the issuing system 300 by including it in the request signal. Then, the issuance module 320 can set the settlement subject information as the settlement object information of the online bearer bond to be issued. Then, the online bearer bonds issued by the issuing module 320 can be used only for settlement of the settlement cases. The amount of the online bearer bond may be the transaction amount of the settlement transaction (e.g., 23,000 won).

In response to the request signal transmitted from the digital system 100, the issuance module 320 may issue an online bearer bond for the third digital system 700. [ Of course, the issuing module 320 may further perform the process of determining whether or not the issuance is possible, as described above.

The issued online bearer bond may be transmitted to the digital system 100 (S230) and then transmitted to the third digital system 700 by the digital system 100 (S240). Alternatively, the online bearer bond may be issued directly from the issuing system 300 to the third digital system 700 (S230-1).

Accordingly, the user of the digital system 100 can give an online bearer name (for example, an online check) as if giving money to a remote person (e.g., a family member, an acquaintance, etc.) remotely, There is an effect that payment can be made easily even when

Meanwhile, as shown in FIG. 6, although the digital system 100 may issue an online bearer bond to the third digital system 700 when a transmission request is received from the third digital system 700, The system 100 may voluntarily transfer the online bearer bonds stored therein to another system, for example, the second digital system 600. That is, the digital system 100 may transfer the online bearer bond issued by the issuing system 300 or transferred from another system to the second digital system 600 for use.

According to the technical idea of the present invention, the digital system 100 inputs identification information (e.g., telephone number) of the second digital system 600 to be transferred to predetermined software installed in the digital system 100, An online bearer bond may be transmitted to the second digital system 600. [ In this case, the software may delete the on-line bearer name stored in the digital system 100 so that it is no longer used, or disable the on-line bearer name from being used even if it is stored. At this time, the issuing system 300 may not recognize whether the on-line bearer is transferred to the second digital system 600.

According to another embodiment, when the online bearer bond is transferred from the digital system 100 to the second digital system 600, the transfer information of the online bearer bond may be maintained by the issuing system 300. Therefore, it is possible to prevent the risk that the software is illegally copied and the online bearer bond is transferred to the second digital system 600 and used in another system.

The assignment of the online bearer bonds can be performed by the circulation unit 140 included in the digital system 100. [ In addition, the distribution processing module 330 included in the issuing system 300 may process the transfer request requested by the circulation unit 140. [

Such an example is shown in Fig.

FIG. 7 is a diagram for explaining a process of transferring an online bearer bond according to an embodiment of the present invention.

Referring to FIG. 7, the digital system 100 may issue an online bearer bond from the issuing system 300 (SlOO). Then, the on-line bearer can be stored in the digital system 100. Also, in the issuing system 300, the digital system 100 issuing the online bearer bond may be set as the use system of the online bearer bond (S110). That is, even if there is no separate use system setting, the system in which the online bearer bond is issued may be set to the use system of the online bearer bond in default.

The digital system 100 may receive the identification information of the second digital system 600 to which the online bearer bonds are to be transferred from the user (S120). Then, the circulation unit 140 may transmit the transfer request of the on-line bearer name to the circulation processing module 330 of the issuance system 300 (S130). The transfer request may include the identification information of the online bearer bond and the identification information of the second digital system 600. [

In response to the transfer request, the distribution processing module 330 may change the use system of the online bearer bond to the second digital system 100 (S140). As a result, the information on the use system may be information indicating a system currently possessing the online bearer bond. Of course, as described above, the information about the use system may indicate information about a system that can use an online bearer bond. To this end, the distribution processing module 330 may change the management information to the online bearer name stored in the DB 350. The history information on which the online bearer bonds are transferred may be maintained in the management information, and the history information may include information on systems that previously held the online bearer bonds and information on systems currently holding the online bearer bonds (I.e., the second digital system 600).

When the on-line bearer is transferred by the distribution processing module 330, the distribution processing module 330 transmits a transfer result indicating that the transfer process is performed by the issuing system 300 to the circulation unit 140 (S150). Then, the circulation unit 140 can transfer the online bearer bonds to the second digital system 600 (S160). Then, the circulation unit 140 can perform transfer processing of the online bearer bonds transferred in the digital system 100 (S170). For example, it is possible to delete the information corresponding to the stored online bearer name, or to disable the online bearer bond by performing predetermined data processing so that it is no longer used even if the stored information is stored.

Of course, the second digital system 600 receiving the online bearer bond can store the online bearer bond (S180) and use the stored online bearer bond if necessary.

Therefore, according to the technical idea of the present invention, the user of the digital system 100 easily issues an online bearer bond, which can be used for settlement or exchange money, and easily transfers it to another person, It is not necessary to perform complicated procedures for performing the above-described operations.

The digital system using the online bearer bond according to the embodiment of the present invention and the method of providing the issuance system can be implemented as a computer readable code on a computer readable recording medium. A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored.

Program instructions to be recorded on a recording medium may be those specially designed and constructed for the present invention or may be available to those skilled in the art of software.

Examples of the computer-readable recording medium include magnetic media such as a hard disk, a floppy disk and a magnetic tape, optical media such as CD-ROM and DVD, a floptical disk, And hardware devices that are specially configured to store and execute program instructions such as magneto-optical media and ROM, RAM, flash memory, and the like. The above-mentioned medium may also be a transmission medium such as a light or metal wire, wave guide, etc., including a carrier wave for transmitting a signal designating a program command, a data structure and the like. The computer readable recording medium may also be distributed over a networked computer system so that computer readable code can be stored and executed in a distributed manner.

Examples of program instructions include machine language code such as those produced by a compiler, as well as devices for processing information electronically using an interpreter or the like, for example, a high-level language code that can be executed by a computer.

The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

It is intended that the present invention covers the modifications and variations of this invention provided they come within the scope of the appended claims and their equivalents. .

Claims (34)

In a digital system,
A communication unit for communicating with an issuing system for issuing an online bearer bond via a wire / wireless network;
A short range wireless communication unit for performing short range wireless communication with a predetermined issuing apparatus; And
And a control unit,
Wherein,
When the short distance wireless communication is performed, transmits a request signal for requesting issuance of an online bearer bond corresponding to the issuance amount to the issuance system, and an online bearer bond corresponding to the issuance amount is issued by the issuance system, To be issued.
The apparatus of claim 1,
Receiving identification information of the issuing device via the short-range wireless communication,
Transmitting the issuance requirement information corresponding to the identification information of the issuing apparatus to the issuance system to control the issuance price corresponding to issuance of the online bearer bonds,
And an online bearer bond corresponding to the issuance amount is issued by the issuance system when the payment is made.
The apparatus of claim 1,
And transmits the issuance requirement information corresponding to the identification information of the issuing device received through the short-range wireless communication to the issuing system,
Wherein the online bearer bond is selectively issued by the issuing system according to a user state or an account state corresponding to the transmitted issuance necessary information.
The digital system according to claim 1,
And a circulation unit for controlling the transmission of the online bearer bonds stored in the digital system to the second digital system,
The flow-
Wherein the use system is a system in which the issuance system can use the online bearer bond by sending a transfer request including information on the second digital system of the online bearer bond to the issuance system, Wherein the digital bearer is an online bearer bond.
The communication apparatus according to claim 1,
Receiving a transmission request signal from the third digital system,
When the issuing apparatus and the short-range wireless communication unit perform short-range wireless communication in response to the reception,
And transmits the request signal including the issuance amount corresponding to the request amount included in the transmission request signal to the issuing system,
Using an online bearer bond to control the transmission of the online bearer bond received in response to the transmission to the third digital system or to cause the online bearer bond to be transmitted to the third digital system by the issuance system in response to the transmission Digital system.
The communication apparatus according to claim 1,
Receiving a transmission request signal from the third digital system,
When the issuing apparatus and the short-range wireless communication unit perform short-range wireless communication in response to the reception,
The identification information of the third digital system is included in the request signal to be transmitted to the issuance system so that the use of the online bearer bond can be used only in the third digital system, 3 digital system, which is an on-line bearer issued by the issuing system, to the third digital system,
The identification information of the third digital system is included in the request signal so as to enable use of the online bearer bond only in the third digital system and is transmitted to the issuance system and the online bearer bond- Wherein the online bearer bond is an online bearer bond issued by the issuance system so that the online bearer bond can be used only in the third digital system.
The apparatus of claim 1,
Wherein the online bearer bond is received from the issuance system in response to the transmission, and the online bearer bond received by the issuance system includes only the payment object corresponding to the settlement subject information And an online bearer bond issued by the issuing system.
The digital system according to claim 1,
Further comprising a use unit for making use of an online bearer bond stored in the digital system,
Wherein the use unit comprises:
The identification information of the online bearer name is transmitted to the settlement target system for settlement of a predetermined settlement item or the payment target system displays the identification information of the online bearer bond in a predetermined manner so as to be able to read the identification information of the online bearer bond, Wherein the online bearer name corresponding to the identification information is used as the settlement means.
The digital system according to claim 1,
Further comprising a use unit for making use of an online bearer bond stored in the digital system,
Wherein the use unit comprises:
Wherein the financial institution system communicates with the issuance system in response to the transfer and transmits a deposit request signal corresponding to the online bearer name bond to a predetermined financial institution system, Wherein the digital system uses an online bearer bond to be deposited into an account corresponding to the digital system.
2. The system according to claim 1, wherein the issuing system stores at least one of identification information of a digital system capable of requesting issuance of the online bearer bond or identification information of the issuing apparatus,
The identification information of the digital system that transmitted the request signal or the identification information of the issuing apparatus that has performed the near field wireless communication with the digital system corresponds to the information previously stored in the issuance system, Wherein the digital bearer is an online bearer bond.
CLAIMS 1. An issuing system for issuing online bearer bonds to a digital system,
A communication module for receiving a request signal requesting issuance of an online bearer bond corresponding to an issuance amount requested by the digital system from the digital system; And
A request signal output by the digital system is received through short-range wireless communication with the digital system and the issuing apparatus through the communication module, and an on-line bearer corresponding to the issuance amount included in the received request signal is issued Issuing system using an online bearer bond that includes a publishing module.
12. The system of claim 11,
When the issuance necessary information corresponding to the identification information of the issuing device is received from the digital system, the issuance price of the on-line bearer name as the payment means is set based on the issuance necessary information,
And issue an online bearer bond corresponding to the issuance amount until the payment is made.
12. The system of claim 11,
Receiving an issuance requirement information corresponding to identification information of the issuing apparatus from the digital system and selectively issuing an online bearer bond corresponding to the issuance amount according to a user state or an account state corresponding to the received issuance necessary information The issuance system using an online bearer bond.
12. The system according to claim 11,
Establishing a use system in the second digital system, the system being capable of receiving a transfer request requesting transfer of the online bearer bond from the digital system to a second digital system and in response to receiving the online bearer bond; An issuing system using an online bearer bond that further includes a processing module.
12. The system of claim 11,
When the system designation information is included in the request signal so that only the third digital system can use the online bearer bond, it is possible to issue an online bearer bond settable only in the third digital system, To the issuing system using the online bearer bond.
12. The system of claim 11,
When the request signal includes settlement object information including information on a settlement object capable of using the online bearer bond, only the settlement object corresponding to the settlement object information is set as a settlement object An issuer of an online bearer name is transmitted to the digital system or a predetermined third digital system.
12. The system according to claim 11,
Wherein the digital system transmits a settlement request for making the online bearer name settlement means a settlement request from a settlement system in which the settlement request of a predetermined settlement request is made or a financial institution system in which the digital system makes a deposit request or a deposit corresponding to the online bearer bond Further comprising a usage processing module for receiving a processing request and performing settlement processing for making said online bearer name settlement means responsive to the received request or depositing a money amount corresponding to said online bearer name bond.
12. The system according to claim 11, wherein the issuing system comprises a predetermined DB,
In the DB,
Wherein at least one of identification information of a digital system capable of requesting issuance of the online bearer bond or identification information of the issuing apparatus is previously stored,
The issuing module includes:
Wherein at least one of identification information of the digital system that transmitted the request signal or identification information of the issuing apparatus corresponds to information stored in advance in the DB, and issues the online bearer bond system.
The digital system performing near field wireless communication with a predetermined issuing apparatus; And
When the short-range wireless communication is performed, the digital system transmits a request signal including an amount of money to an issuing system that issues an online bearer bond,
Wherein the issuing system receives the request signal and causes the issuing system to issue an online bearer bond corresponding to the issuance amount.
The method of claim 19, wherein the digital system performs short-
Wherein the digital system receives the identification information of the issuing device via the short-range wireless communication,
Wherein the digital system transmits a request signal including an issuance amount to an issuance system that issues an online bearer bond,
And transmitting the issuance requirement information corresponding to the identification information of the issuing apparatus to the issuing system to perform settlement of the issuance price corresponding to issuance of the online bearer bond,
And an online bearer bond corresponding to the issuance amount is issued by the issuance system until the payment is made.
20. The method of claim 19, wherein the digital system transmitting a request signal including an issue amount to an issuing system issuing an on-
And transmitting, to the issuing system, issuance necessity information corresponding to identification information of the issuing device received via the short-range wireless communication,
Wherein the online bearer name is issued by the issuing system according to a user state or an account state corresponding to the transmitted issuance necessary information.
The method of claim 19, wherein the method further comprises:
Further comprising the digital system sending a transfer request to the issuing system, the transfer request including information about the second digital system of the on-
Wherein the use system, which is a system that can use the online bearer bonds by the issuing system in response to the transfer request, is set to the second digital system.
The method of claim 19, wherein the method further comprises:
Wherein the digital system further comprises receiving a transmission request signal from a third digital system,
When the issuing apparatus and the short-range wireless communication unit perform short-range wireless communication in response to the reception of the transmission request signal, the digital system transmits the request including the issuance amount corresponding to the requested amount included in the transmission request signal Transmitting a signal to the issuing system,
Wherein the digital system controls to transmit the online bearer bond received from the issuance system to the third digital system in response to the transmission, or in response to the transmission, the online bearer bond The method comprising the steps of:
The method of claim 19, wherein the method further comprises:
Further comprising the digital system receiving a transmission request signal from a third digital system,
When the issuing apparatus and the short-range wireless communication unit perform short-range wireless communication in response to the reception, the digital system transmits identification information of the third digital system to the third digital system so that the third bearer can use the on- Requesting signal to the issuing system so that the issuing system is an online bearer bond and the online bearer bond is an online bearer bond issued by the issuing system so that the online bearer bond can be used only in the third digital system. Or,
The identification information of the third digital system is included in the request signal so as to enable use of the online bearer bond only in the third digital system and is transmitted to the issuance system and the online bearer bond- Wherein the online bearer bond is an online bearer bond issued by the issuance system so that the online bearer bond can be used only in the third digital system.
20. The method of claim 19, wherein the digital system transmitting a request signal including an issue amount to an issuing system issuing an on-
And transmitting the request signal to the issuing system including the payment object information,
A method of providing a digital system using the online bearer bonds,
Receiving the online bearer bond from the issuance system in response to the transmission, the received online bearer bond is an online bearer bond issued by the issuance system so that the received online bearer bond can be used only for the payment item corresponding to the settlement object information A method for providing a digital system using an online bearer bond.
The method of claim 19, wherein the method further comprises:
The digital system transmits the identification information of the online bearer name to the settlement target system for settlement of a predetermined settlement request or displays the identification information of the online bearer bond in a predetermined manner so that the settlement system can read the identification information of the online bearer bond, Further comprising the step of causing the settlement system to perform the settlement by using the settlement means as the on-line bearer account corresponding to the identification information by the settlement system.
The method of claim 19, wherein the method further comprises:
Further comprising the step of the digital system transmitting a deposit request signal corresponding to an on-line bearer bond stored in the digital system to a predetermined financial institution system,
Wherein the financial institution system communicates with the issuance system in response to the transmission so that the money exchange amount corresponding to the issuance amount of the online bearer bond is deposited into the account corresponding to the digital system. A method for providing a digital system.
The system according to claim 19, wherein the issuing system has stored in advance at least one of identification information of a digital system capable of requesting issuance of the online bearer bond or identification information of the issuing apparatus,
The identification information of the digital system that transmitted the request signal or the identification information of the issuing apparatus that has performed the near field wireless communication with the digital system corresponds to the information previously stored in the issuance system, Wherein the online bearer bond is issued to the customer.
A method of providing an issuance system for issuing an online bearer bond,
Receiving, by the issuing system, a request signal requesting issuance of an online bearer bond corresponding to an issuance amount requested by the digital system from the digital system, when short-range wireless communication is performed between the digital system and the issuing apparatus; And
Wherein the issuing system issues an online bearer bond corresponding to an issuance amount included in the received request signal.
The method as claimed in claim 29, wherein the issuing system providing method using the on-
The issuing system receiving issuance requirement information corresponding to identification information of the issuing apparatus from the digital system; And
Further comprising the step of performing settlement of the issuance price of the online bearer name bond in which the issuance system makes the issuance apparatus as the settlement means based on the issuance necessary information,
And issuing an online bearer bond corresponding to the issuance amount until the payment is made.
The method as claimed in claim 29, wherein the issuing system providing method using the on-
Further comprising the step of the issuing system receiving issuance requirement information corresponding to the identification information of the issuing apparatus from the digital system,
Wherein the issuing system issues an online bearer bond corresponding to an issuance amount included in the received request signal,
And issuing an online bearer bond corresponding to the issuance amount selectively according to the user state or the account state corresponding to the received issuance necessary information.
The method as claimed in claim 29, wherein the issuing system providing method using the on-
Receiving a transfer request for the publishing system to transfer the online bearer bond from the digital system to a second digital system; And
Further comprising setting the use system as the second digital system, wherein the use system is a system in which the issuing system can use the online bearer bond in response to receiving the online bearer bond.
The method as claimed in claim 29, wherein the issuing system providing method using the on-
Wherein the issuing system is configured to issue a settlement request from the financial institution system in which the digital system has made a payment request of a predetermined settlement request or the digital system to which the digital system has made a deposit request as the settlement means, Receiving a deposit processing request of a corresponding amount; And
Further comprising the step of, in response to the received request, performing the settlement processing in which the issuance system makes the online bearer name settlement means or the deposit processing of the amount corresponding to the online bearer bond.
The method of claim 29, wherein the issuing system providing method using the online bearer bonds includes:
Further comprising the step of storing in advance in the DB at least one of identification information of the digital system and identification information of the issuing device to which the issuance system can request issuance of the online bearer bonds,
Wherein the issuing system issues an online bearer bond corresponding to an issuance amount included in the received request signal,
Wherein at least one of identification information of the digital system that transmitted the request signal or identification information of the issuing apparatus corresponds to information stored in advance in the DB, and issues the online bearer bond System providing method.

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