KR20160139971A - System to charge Coin to IC card and Method thereof - Google Patents

System to charge Coin to IC card and Method thereof Download PDF

Info

Publication number
KR20160139971A
KR20160139971A KR1020150075960A KR20150075960A KR20160139971A KR 20160139971 A KR20160139971 A KR 20160139971A KR 1020150075960 A KR1020150075960 A KR 1020150075960A KR 20150075960 A KR20150075960 A KR 20150075960A KR 20160139971 A KR20160139971 A KR 20160139971A
Authority
KR
South Korea
Prior art keywords
change
card
value
terminal
signature
Prior art date
Application number
KR1020150075960A
Other languages
Korean (ko)
Other versions
KR101729964B1 (en
Inventor
김승훈
Original Assignee
주식회사 텔큐온
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 주식회사 텔큐온 filed Critical 주식회사 텔큐온
Priority to KR1020150075960A priority Critical patent/KR101729964B1/en
Publication of KR20160139971A publication Critical patent/KR20160139971A/en
Application granted granted Critical
Publication of KR101729964B1 publication Critical patent/KR101729964B1/en

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/29—Payment schemes or models characterised by micropayments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip

Abstract

A financial institution such as a bank issues a value transfer IC card. A franchise store such as a convenience store receives the issued value transfer IC card, installs a change transfer terminal, issues a change IC card, and transfers a change. An individual receives from the change IC card from the franchise store, and encashes the change IC card or transfers the card to a personal bank account in the bank. The change transfer system is formed as the financial institution, the franchise store, and the individual cooperate with each other. The change transfer system comprises: a change transfer terminal stably transferring a change; a user PC inputting and displaying user demands by communicating with the change transfer terminal; a value transfer IC card installed in the change transfer terminal and deducting the change; and a change IC card charged with the change deducted from the value transfer IC card. Therefore, the present invention is capable of enabling the franchise store to give a change without the use of cash by transferring the change from the value transfer IC card to the change transfer IC card.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method and system for transferring change money to an IC card,

The present invention relates to transferring change money from a bank, a convenience store or a post office to an IC card instead of cash. Currently, it is widely used to charge IC cards for small payments such as transportation cards by charging cash. However, in the case of charging the IC card, generally, charging is performed by inputting cash into the charger at the charging station, transferring the charging information to the main server, sharing the charging information with the merchant terminal, and using the IC card charging amount at the merchant. As described above, the use of the IC card filled with cash can reduce the inconvenience of cash holding, and it is also possible to save the labor cost by making frequent use of the change due to the small amount settlement payment to the IC card. Therefore, the present invention relates to transferring change money to another IC card using the card filled with cash as described above.

The present invention relates to a method of charging a change card using an online account. The method for charging change through online account is characterized in that the registration means opens an account of an affiliate store in which the change deposit is deposited in the financial institution in accordance with the change service contract between at least one merchant and the financial institution and is linked with the merchant information, A customer's identification information, a resident registration number, a customer number, a mobile phone number, a customer's identification number, and a customer's identification information. Receiving the merchant information, the change information, and the customer identification information from the merchant terminal in the information receiving means; and storing the merchant information and the merchant information in the deposit checking means, The amount deposited in the associated merchant account and the amount of change The change amount validity is confirmed by comparing the change amount with the change amount, and when the change charge validity is confirmed, the change amount processing means withdraws the amount corresponding to the change money from the merchant account in the change point processing means, And depositing the same). In the meantime, according to the present invention, in a change charging method using an online account, a merchant account in which a change deposit is deposited in the financial institution is opened according to a change-over service contract between at least one merchant and a financial institution, A change account, a real account, a virtual account, a card, an account, a customer identification information, a resident registration number, a customer name, and a credit card number Receiving the merchant information, the change information, and the customer identification information from the merchant terminal in the information receiving means; The amount deposited in the merchant account associated with the merchant information Comparing the change information to check the change validity of the change; confirming whether the real name verification of the online account associated with the customer identification information is confirmed by the real name verification means at the time of validating the change charge; Withdraws an amount corresponding to the change money from the merchant account from the account of the online account and charges the online account through the charging method or when confirming the real name of the online account, And withdrawing the money amount and depositing the money amount into the online account through the real account transfer method. FIG. 1 is a diagram illustrating a system configuration of a change-over charging method using on-line in the related art, in which a change in a shop transaction is withdrawn from a store account and paid to a customer. 1, when a change corresponding to a cash transaction occurs in a store including a credit access terminal (CAT), a POS (point of sale) terminal, a wired terminal, and an affiliate terminal including at least one wireless terminal, (Or deposits) the withdrawal of the change money from the merchant account with means (hereinafter referred to as "change receiving means") of at least one customer's online account, real account, virtual account and customer card, The change is converted into a value (or electronic money), and the change card is charged to a change receiving means including at least one of the customer card and the customer account. In response to the application of the change charge service, Includes at least one online account to be charged (or deposited), a real account, and a virtual account. It is preferable to register the online account, the real account, and the virtual account established (or registered) by the customer as the change receiving means to be charged (or deposited) with the change money, The customer account ledger corresponding to the online account, the real account, and the virtual account is provided in the ledger D / B 105 on the financial system provided in the financial institution. Also, the customer may receive a change receiving means including at least one of a prepaid card, a check card, and a debit card to be charged (or deposited) in the change money in response to the application of the change charge service, Card card, check card, and debit card as the change receiving means to be charged (or deposited) by the change money, and the customer card ledge corresponding to the prepaid card, check card, and debit card is registered in the financial institution And is provided in the ledger D / B 105 on the system. Therefore, the customer is able to charge change money received from the merchant through an online account to the account registered in the financial institution.

The conventional on-line change-over charging system configured as described above has a problem in that the system is complicated to fill in an account registered in a financial institution, and the change is charged through on-line to use the internet. Therefore, an object of the present invention is to make it possible to use a change terminal to transfer change from an IC card to another IC card, thereby making it unnecessary to use change money with cash or a coin. Another object of the present invention is to enhance the security in transferring change money, thereby accurately and securely transferring the amount of money of the card.

The change transfer system of the present invention having the above-described object is provided with a financial institution such as a bank that issues a value transfer IC card, a value transfer IC card is issued, a change transfer terminal is installed, a change card is issued, And an individual who transfers the change card to the personal account or cooperates with each other. In addition, the above-described change-transfer system includes a pre-change terminal 100 for reliably transferring change orders, a user PC 200 for inputting and displaying user requirements by communicating with the change terminal, And a change-over IC card 400 to which change-value difference subtracted from the pre-value IC card 300 is charged. In the change transfer system of the present invention configured as described above, the change transfer from the value transfer IC card to the IC card before the change is possible so that the change can be made at the merchant without using cash.

The transfer system configured as described above can significantly reduce the use of cash, thereby reducing the cost of the banking operations of the Bank of Korea. Also, since the change system of the present invention shifts systematically, the inconvenience due to the cash transaction can be reduced and the loss due to possession of coins and the like can be prevented.

FIG. 1 is a configuration diagram of a change-over charging system using a conventional on-
FIG. 2 is an overall configuration diagram of a shift transfer system according to the present invention,
FIG. 3 is a detailed configuration diagram of the change terminal applied to the change system before the change,
FIG. 4 is a control flowchart of the shift change system of the present invention.

The system and method for transferring the change of the present invention having the above-described objects will be described with reference to FIGS. 2 to 4. FIG.

FIG. 2 is an overall configuration diagram of a change transfer system of the present invention. In FIG. 2, the change-transfer system according to an embodiment of the present invention includes a pre-change terminal 100 installed at an affiliate store, such as a convenience store, for stable change transfer, A value transfer old IC card 300 which is installed in the previous transfer terminal 100 and stores a predetermined amount of money in order to transfer a change amount and deducts a change amount, 300, and the change card IC card 400 possessed by an individual such as a customer. The change transfer system of the present invention configured as described above includes a user PC 200 that receives user requirements and change amount information and transmits the change amount information to the change terminal 100 before the change, When the change amount information to be transferred to the terminal 100 is inputted, an initial command for transferring the change money is transmitted to the change IC card 400, and the card number, transaction number, random number, Signature data, etc., and transmits the initial command and the information received from the change card IC card 400 to the pre-value IC card 300. The pre-value IC card number, the transaction number , The random number, the amount of change, the signature data on the verification success, etc., and transmits the change data to the IC card 400 A previous terminal 100 for transferring a value previous IC card number, a transaction number, a random number, a change amount, signature data for a verification success, etc. necessary for a transaction together with a previous command, The transfer order number and transaction number, the random number, the change amount, and the signature data to the terminal 100 prior to the change, Card number, transaction number, random number, change amount, and signature data for verification success, extracts and verifies the received data signature value, stores the change amount information, and stores the transaction log in the IC card 400, an initial command and change IC card number, transaction number, random number, If the signature value is successfully verified by extracting the signature value after receiving the surplus amount and signature data, the change amount information is subtracted from the balance stored in the internal memory, and the card number, transaction number, random number, And a value transfer IC card 300 for transferring previously required data including signature data for verification success to the terminal 100 before the change, and storing the transaction log therein. Also, since the stored value transfer previous balance data stored in the value transfer IC card 300 may be lost during the transaction, the backup balance may be separately stored, and each digit value of the balance may be calculated and stored so that the balance data does not change. The algorithms used in generating signature values for verification in the change IC card 400 and the value transfer IC card 300 may be symmetric key encryption schemes such as SEED, 3DES, AES, and ARIA, or asymmetric key encryption such as RSA Method can be used.

3 is a detailed configuration diagram of the pre-gas meter terminal 100. FIG. 3, the pre-change terminal 100 includes a USB interface 110 for communicating with the user PC 200, a change-over IC card contact unit 150 that contacts the change-over IC card 400 in a contact or non-contact manner, A display unit 120 for displaying a value previous SIM type mounting unit 140 on which a value previous IC card for subtracting a change amount to transfer a change amount, a display unit 120 for displaying a change amount display and a balance display, a display unit 120, An IC card 300, a change-over IC card 400, and an MCU (Main Control Unit) 130 that controls data transmission / reception with the user PC 200. The communication between the MCU 130 and the value transfer IC card 300 can be supported by the ISO 7186 interface protocol and the MCU 130 and the change card IC card 400 can communicate with each other via the ISO 7186, ISO 14443, and NFC interface protocols It can be supported.

FIG. 4 is a control flowchart of the shift change system of the present invention. 4, the control flow for accumulating the change-of-date transfer includes a step S10 of starting change accumulation transfer, a step S11 of inputting the change amount information using the merchant's PC 200 and transmitting the information to the change terminal (S12) of transmitting the initial command and the change amount information to the change IC card in the previous change order amount information of the input change amount information, generating and verifying the signature value after receiving the initial command and change amount information, (S13) of responding the necessary data to the previous terminal (100) of the change, and a step (S14) of transferring the response data and the initial command to the value previous IC card (300) (S15) of generating and verifying a signature value in the value transfer IC card (S15) A step S17 of storing the difference data in the balance of the IC card by subtracting the amount of change money in step S16 and returning the previously required data to the change terminal, (S19) of transmitting the response data to the change-over IC card 400 (S18), generating and verifying the signature value in the change-over IC card (S19), and updating the change amount in the IC card balance (Step S20). If the verification by the signature value fails in step S15, the mobile terminal moves to step S12 again. If the verification of the signature value is unsuccessful in the IC card of the change card in step S19, the process goes back to step S12.

When the change card is deposited on the change card IC card as described above, the person holding the change card IC card can go to a financial institution such as a bank and cash the change card or create an account to save money.

100: change terminal, 110: USB interface,
120: Positive part, 130: MCU,
140: value old SIM type mounting part, 150: change face IC card contact part,
200: User PC, 300: Value previous IC card,
400: Change card IC card

Claims (10)

In a transition system for transferring change money at a convenience store, a bank or the like,
The change-
A change terminal 100 installed at an affiliate shop of a convenience store bank or the like;
A user PC 200 communicating with the change terminal 100 for inputting change amount information, which is a user requirement of a merchant, and transmitting the change amount information to the previous change terminal and displaying the change amount information;
A value previous IC card 300 which is mounted on the change terminal 100 and charges and stores a predetermined amount to transfer a change amount and deducts a change amount;
And a change-over IC card (400) carried by an individual, such as a customer, in which the change amount subtracted from the value previous IC card (300) is transferred.
The method according to claim 1,
However,
When the change amount information is inputted through the user PC 200, an initial command for transferring the change is transmitted to the change IC card 400, and the change number, transaction number, random number, change amount And signature data, and transmits the initial command and the information received from the change card IC card 400 to the pre-value IC card 300. The pre-value IC card number necessary for the transaction, the transaction Number, random number, amount of change, signature data on verification success, and again change value to the IC card (400) together with the transfer order change value necessary for transaction Transfer previous IC card number, transaction number, random number, change amount, verification Signature data for success, and the like.
3. The method of claim 2,
The change card IC card,
A change number, a random number, a change amount, and a signature data to the terminal 100 before the change order, and also receives a change order transfer command and a value transfer IC from the change terminal 100, The validated value of the card 300, the transaction number, the random number, the amount of change, the signature data for the verification success, extracts and verifies the received data signature value, stores the change amount information, And the transaction log is stored in the transaction history database.
3. The method of claim 2,
Value previous IC card,
After receiving the initial command and the change order IC card number, the transaction number, the random number, the change amount, and the signature data from the previous change-over terminal 100, the signature value is extracted and verified. When the verification by the signature value is successful, The information stored in the internal memory is deducted from the balance stored in advance, and previously required data including the card number, the transaction number, the random number, the change amount, and the signature data for the verification success are transmitted to the terminal 100 before the change, The changeover system comprising:
In a transition system for transferring change money at a convenience store, a bank or the like,
The change-
When the change amount information is inputted through the user PC 200, an initial command for transferring the change is transmitted to the change IC card 400, and the change number, transaction number, random number, change amount And signature data, and transmits the initial command and the information received from the change card IC card 400 to the pre-value IC card 300. The pre-value IC card number necessary for the transaction, the transaction Number, random number, amount of change, signature data on verification success, and again change value to the IC card (400) together with the transfer order change value necessary for transaction Transfer previous IC card number, transaction number, random number, change amount, verification A change terminal 100 for transferring signature data for success or the like;
A user PC 200 communicating with the change terminal 100 for inputting change amount information, which is a user requirement of a merchant, and transmitting the change amount information to the previous change terminal and displaying the change amount information;
A change number, a random number, a change amount, and a signature data to the terminal 100 before the change order, and also receives a change order transfer command and a value transfer IC from the change terminal 100, The validated value of the card 300, the transaction number, the random number, the amount of change, the signature data for the verification success, extracts and verifies the received data signature value, stores the change amount information, A change card 400 for storing a transaction log;
After receiving the initial command and the change order IC card number, the transaction number, the random number, the change amount, and the signature data from the previous change-over terminal 100, the signature value is extracted and verified. When the verification by the signature value is successful, The information stored in the internal memory is deducted from the balance stored in advance, and previously required data including the card number, the transaction number, the random number, the change amount, and the signature data for the verification success are transmitted to the terminal 100 before the change, The change value is stored in the previous IC card.
In a method of transferring change money to an IC card at a convenience store, a bank or the like,
The method of transferring the change money to the IC card of the change-
(S10) of starting change accumulation;
A step S11 of inputting change amount information using the user PC 200 of the merchant and transmitting the change amount information to the previous terminal;
A step (S12) of transmitting the initial command and the change amount information to the change IC card in the previous change terminal of the input change amount information;
A step S13 of generating and verifying a signature value after receiving the initial command and the change amount information, and then responding the previously required data to the terminal 100 before the change;
(S14) of transferring the response data and the initial command to the pre-charged value IC card 300 charged with a predetermined amount;
Generating and verifying a signature value in the value previous IC card (S15);
If the verification succeeds, the value transfer IC card stores the amount of change money in the balance of the value transfer IC card and subtracts the amount of change money (S16), and returns the previously required data to the change terminal (S17);
The change terminal 100 transmits a change command and response data of the pre-value IC card to the change IC card 400 (S18);
Generating and verifying a signature value in the change card (S19);
And updating the amount of change in the balance of the IC card if the verification succeeds (S20).
The method according to claim 6,
How to transfer your change to an IC card,
If the verification by the signature value is unsuccessful in step S15, the mobile terminal moves to step S12 again, and the change is transferred to the IC card.
8. The method of claim 7,
How to transfer your change to an IC card,
If the verification of the signature value is unsuccessful in step S19, the procedure is retried from step S12. The algorithm used in generating the signature value may be a symmetric key encryption method such as SEED, 3DES, AES, ARIA, or an asymmetric key encryption method such as RSA Use
9. The method of claim 8,
After receiving the initial command and the change amount information and generating and verifying the signature value, the step S13 of responding the previously required data to the terminal 100 before the change,
A method for transferring a change to an IC card, characterized by using a symmetric key cryptosystem such as SEED, 3DES, AES, ARIA or an asymmetric key cryptosystem algorithm such as RSA when generating a signature value.
9. The method of claim 8,
The step S15 of generating and verifying the signature value in the value previous IC card,
A method for transferring a change to an IC card, characterized by using a symmetric key cryptosystem such as SEED, 3DES, AES, ARIA or an asymmetric key cryptosystem algorithm such as RSA when generating a signature value.
KR1020150075960A 2015-05-29 2015-05-29 System to charge Coin to IC card and Method thereof KR101729964B1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
KR1020150075960A KR101729964B1 (en) 2015-05-29 2015-05-29 System to charge Coin to IC card and Method thereof

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020150075960A KR101729964B1 (en) 2015-05-29 2015-05-29 System to charge Coin to IC card and Method thereof

Publications (2)

Publication Number Publication Date
KR20160139971A true KR20160139971A (en) 2016-12-07
KR101729964B1 KR101729964B1 (en) 2017-05-02

Family

ID=57573634

Family Applications (1)

Application Number Title Priority Date Filing Date
KR1020150075960A KR101729964B1 (en) 2015-05-29 2015-05-29 System to charge Coin to IC card and Method thereof

Country Status (1)

Country Link
KR (1) KR101729964B1 (en)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111476572A (en) * 2020-04-09 2020-07-31 财付通支付科技有限公司 Data processing method and device based on block chain, storage medium and equipment

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111476572A (en) * 2020-04-09 2020-07-31 财付通支付科技有限公司 Data processing method and device based on block chain, storage medium and equipment
CN111476572B (en) * 2020-04-09 2024-03-19 财付通支付科技有限公司 Block chain-based data processing method, device, storage medium and equipment

Also Published As

Publication number Publication date
KR101729964B1 (en) 2017-05-02

Similar Documents

Publication Publication Date Title
US10867294B2 (en) System and method of facilitating cash transactions at an ATM system without an ATM card using mobile
US8565723B2 (en) Onetime passwords for mobile wallets
US11544681B1 (en) Merchant performed banking-type transactions
KR20130141191A (en) Payment method and system
KR20140020055A (en) Payment method and system
JP2011518388A5 (en)
KR20160074178A (en) A bitcoin transaction system using ATM and the transaction method using the same
KR20120098978A (en) System for international prepaid card payment using national bank identification number
US20190156329A1 (en) Mobile phone prepaid card service system, clone card storage device thereof, and service method
US20180308076A1 (en) Electronic financial processing system using personal atm terminal and method for processing thereof
KR101891805B1 (en) Card application wallet stored on the user terminal, service system and method for card
US20230245090A1 (en) Secured, Unified, Multifunctional, Digital Currency Store with Machine-Readable Card and/or Mobile App
KR101681002B1 (en) Easy payment device multi prepaid e-card equipped with several electronic wallet based Hub-Code and method thereof
KR101729964B1 (en) System to charge Coin to IC card and Method thereof
KR101935804B1 (en) Payment processing apparatus for virtual currency card, and method thereof
KR20160037265A (en) System for Providing International Settlement Service And Method for Providing International Settlement Service therein
US11461758B2 (en) Method for payment with cash card
KR101024272B1 (en) Apparatus and system for electronic wallet
TW201631529A (en) Mobile payment method and mobile payment apparatus
KR101803075B1 (en) Apparatus for storing a clone card of mobile card, card wallet application, issuance system and method
KR20180121230A (en) System and method for providing finace transaction service of foreign visitor
KR100447588B1 (en) Method of electronic payments using a mobile phone
US20140149250A1 (en) Method and apparatus for authenticating bank transactions utilizing an electronic wafer
CN113112251A (en) Digital currency thin film smart card, digital currency transaction system and method
TWM502910U (en) Mobile payment device

Legal Events

Date Code Title Description
A201 Request for examination
E902 Notification of reason for refusal
E701 Decision to grant or registration of patent right
GRNT Written decision to grant