WO2010140782A3 - 전자화폐 송금 시스템 및 전자화폐 송금 방법 - Google Patents

전자화폐 송금 시스템 및 전자화폐 송금 방법 Download PDF

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Publication number
WO2010140782A3
WO2010140782A3 PCT/KR2010/003125 KR2010003125W WO2010140782A3 WO 2010140782 A3 WO2010140782 A3 WO 2010140782A3 KR 2010003125 W KR2010003125 W KR 2010003125W WO 2010140782 A3 WO2010140782 A3 WO 2010140782A3
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WIPO (PCT)
Prior art keywords
electronic money
remittance request
request signal
remittance
remittee
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PCT/KR2010/003125
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English (en)
French (fr)
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WO2010140782A2 (ko
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김종호
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에스케이 텔레콤주식회사
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Priority to CN2010800046876A priority Critical patent/CN102282583A/zh
Priority to US13/144,882 priority patent/US20110276476A1/en
Publication of WO2010140782A2 publication Critical patent/WO2010140782A2/ko
Publication of WO2010140782A3 publication Critical patent/WO2010140782A3/ko

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G06Q20/0655—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash e-cash managed centrally
    • 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
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3676—Balancing accounts

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

Abstract

각 사용자의 가입자식별정보를 가상의 전자화폐계좌로 이용하고, 가입자식별정보를 이용하여 상이한 국가 간에 전자화폐를 편리하게 환전/송금할 수 있는 전자화폐 송금 시스템 및 전자화폐 송금 방법이 개시되어 있다. 본 발명의 실시예들에 따른 전자화폐 송금 시스템은, 소정 단말장치로부터 수신자의 가입자식별정보를 포함하는 송금요청이 수신되면, 서비스서버가 상기 송금요청에 따른 송금요청신호를 제공하여, 상기 송금요청신호가 수신되면, 각 사용자별 가입자식별정보에 대응하는 전자화폐계좌를 관리하는 전자화폐서버가 상기 송금요청신호에 따른 수신자확인 및 환전송금을 중계서버에 요청하고, 이에 중계서버가 상기 송금요청신호에 기초하여 수신자의 국가를 확인하고 각 국가별 환율정보를 토대로 상기 송금요청신호에 따른 송금금액을 상기 수신자의 국가에 대응하여 환전하여, 상기 송금요청신호에 대응하여 상기 환전된 환전금액정보를 포함하는 송금신호를 해당 국가의 전자화폐서버로 제공하는 구성을 포함한다.
PCT/KR2010/003125 2009-06-04 2010-05-18 전자화폐 송금 시스템 및 전자화폐 송금 방법 WO2010140782A2 (ko)

Priority Applications (2)

Application Number Priority Date Filing Date Title
CN2010800046876A CN102282583A (zh) 2009-06-04 2010-05-18 发送电子钱币的系统和发送电子钱币的方法
US13/144,882 US20110276476A1 (en) 2009-06-04 2010-05-18 System for sending electronic money and method for sending electronic money

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR1020090049372A KR20100130712A (ko) 2009-06-04 2009-06-04 전자화폐 송금 시스템 및 전자화폐 송금 방법
KR10-2009-0049372 2009-06-04

Publications (2)

Publication Number Publication Date
WO2010140782A2 WO2010140782A2 (ko) 2010-12-09
WO2010140782A3 true WO2010140782A3 (ko) 2011-03-03

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PCT/KR2010/003125 WO2010140782A2 (ko) 2009-06-04 2010-05-18 전자화폐 송금 시스템 및 전자화폐 송금 방법

Country Status (4)

Country Link
US (1) US20110276476A1 (ko)
KR (1) KR20100130712A (ko)
CN (1) CN102282583A (ko)
WO (1) WO2010140782A2 (ko)

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CN102282583A (zh) 2011-12-14
US20110276476A1 (en) 2011-11-10
KR20100130712A (ko) 2010-12-14
WO2010140782A2 (ko) 2010-12-09

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