WO2012137998A1

WO2012137998A1 - Hybrid card, hybrid card payment system, and method for operating same

Info

Publication number: WO2012137998A1
Application number: PCT/KR2011/002425
Authority: WO
Inventors: 허연수; 김경환; 김주환; 이강철; 김수권; 조광현
Original assignee: 주식회사 지에스리테일
Priority date: 2011-04-06
Filing date: 2011-04-06
Publication date: 2012-10-11

Abstract

The present invention relates to a hybrid card, to a hybrid card payment system, and to method for operating same. The hybrid card payment system includes: a processor means for identifying the type of a payment request generated by a hybrid card and reading information on prepaid electronic money held in a virtual account associated the hybrid card when the type is identified as a contactless payment request; and an interface means for transmitting the read prepaid electronic money information to an electronic chip in the hybrid card, and transmitting first deduction information generated by the electronic chip to the virtual account in order to update the prepaid electronic money information using the first deduction information.

Description

Hybrid card and hybrid card payment system and its operation method

Embodiments of the present invention relate to a hybrid card payment system and a method of operating the same, which process payments using prepaid electronic money information held in a virtual account according to the generation of a non-contact payment request or a contact payment request of the hybrid card.

As the infrastructure of the electronic payment communication network and the card payment terminal is established, and the portability and convenience of the card are easy, card payment is becoming popular online or offline. For example, a user may receive various services by paying transportation expenses, utility bills, etc., as well as purchasing goods through card payment. In this case, as the payment card, there may be an electronic chip card including a magnetic card including a magnetic film and an electronic chip in which prepaid electronic money is stored.

When a payment request occurs, the magnetic card connects to a payment account and pays the payment. When the payment request occurs, the electronic chip card pays the payment with prepaid electronic money stored in the electronic chip. Therefore, while the magnetic card is easy to charge the payment account through the deposit or transfer, the electronic chip card is not easy to charge as the prepaid electronic money at the specific location where the chip-only charger is installed.

In addition, as the card payment terminal for recognizing the magnetic card and the electronic chip card is distinguished, the user is inconvenient to carry both types of cards. That is, the magnetic card payment terminal recognizes only the magnetic card, and the electronic chip card payment terminal recognizes only the electronic chip card, so that the user possesses both the magnetic card and the electronic chip card in order to receive various payment services.

Therefore, there is a need for a card including a magnetic film and an electronic chip, a card which is easy to charge and carry, and a card payment terminal capable of paying the card.

The present invention has been made to solve the above problems, and an object thereof is to provide a hybrid card that can accommodate all the contact / contactless payment request in one card.

In addition, the present invention, according to the generation of the contact payment request or contact payment request of the hybrid card, by processing the payment using the prepaid electronic money information held in the virtual account, to provide a variety of payment services using a single card And, it aims to facilitate the charging of electronic money through various charging methods.

In accordance with an embodiment of the present invention, the hybrid card checks prepaid electronic money information held in the virtual account through a hybrid card payment system according to the generation of the contactless payment request, and the payment information included in the contactless payment request and the confirmation. An electronic chip for generating first deduction information by comparing the prepaid electronic money information, and a magnetic film unit for generating second deduction information in consideration of payment information included in the contact payment request according to generation of a contact payment request; do.

In the hybrid card payment system according to an embodiment of the present invention, when identifying a type of a payment request generated by the hybrid card and identifying the type as a non-contact payment request, the prepaid electronic device is held in a virtual account associated with the hybrid card. Processor means for reading money information, and the prepaid electronic money information read to the electronic chip in the hybrid card, and transmitting the first deduction information generated in the electronic chip to the virtual account, the virtual account; And interface means for updating the prepaid electronic money information using first subtraction information.

In accordance with an embodiment of the present invention, a method of operating a hybrid card may include: verifying prepaid electronic money information held in a virtual account through a hybrid card payment system according to a generation of a contactless payment request, and included in the contactless payment request. Generating first deduction information by comparing payment information with the confirmed prepaid electronic money information, and when the first deduction information is generated by accepting the comparison result, the first through the hybrid card payment system; And transmitting the deduction information to the virtual account, wherein the virtual account is updated with the prepaid electronic money information using the first deduction information.

According to an embodiment of the present invention, the contact / contactless payment request can be accommodated in one card, the user does not need to be issued a plurality of cards of the same function due to the difference in payment type, from the operator's point of view, by payment type As a result, it is possible to provide a better service to users by integrating services that have been independently developed.

In addition, according to the present invention, according to the generation of the contact payment request or contact payment request of the hybrid card, by processing the payment using the prepaid electronic money information held in the virtual account, a variety of payment services using one card The electronic money can be easily charged through various charging methods.

1 is a view showing the configuration of a hybrid card and hybrid card payment system according to an embodiment of the present invention.

2 is a diagram illustrating a method of charging prepaid electronic money information used as a payment price of a hybrid card according to an embodiment of the present invention.

3 is a diagram illustrating an example of a database of a hybrid card payment system according to an exemplary embodiment of the present invention.

4 is a flowchart illustrating an operation method for a contactless payment request of a hybrid card and a hybrid card payment system according to an exemplary embodiment of the present invention.

5 is a flowchart illustrating a method of operating a hybrid card and a contact settlement request of a hybrid card settlement system according to an exemplary embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings will be described in detail a hybrid card and hybrid card payment system and its operation method according to an embodiment of the present invention.

Referring to FIG. 1, a hybrid card 100 according to an embodiment of the present invention includes an electronic chip 101 and a magnetic film unit 103.

The electronic chip 101 checks the prepaid electronic money information held in the virtual account through the hybrid card payment system 110 according to the occurrence of the non-contact payment request, and the payment information included in the non-contact payment request and the confirmed prepaid electronic money. The first subtraction information is generated by comparing the information. That is, when the electronic chip 101 is located within a predetermined distance from the hybrid card payment system 110 and generates a non-contact payment request, the hybrid card payment prepaid electronic money information held in a virtual account corresponding to the hybrid card 100 is generated. Through the system 110, based on the confirmed prepaid electronic money information and payment information, the first deduction information may be generated along with the determination of whether to approve the payment.

In this case, when the prepaid electronic money information is not smaller than the payment information, the electronic chip 101 may approve the payment. On the other hand, when the prepaid electronic money information is smaller than the payment information, the electronic chip 101 may disapprove the payment.

For example, when the prepaid electronic money information is '5,000 won' and the payment information is '1000 won', the electronic chip 101 may approve payment because the prepaid electronic money information is larger than the payment information. On the other hand, in the electronic chip 101, when the prepaid electronic money information is '5,000 won' and the payment information is '6000 won', since the prepaid electronic money information is smaller than the payment information, the electronic chip 101 is disapproved without approval. Therefore, it is necessary to hold the prepaid electronic money information in a virtual account more than a predetermined standard so that payment is not limited by the prepaid electronic money information.

Prior to the comparison between the payment information and the prepaid electronic money information, the electronic chip 101 of the present invention compares the on-chip currency information held in association with the electronic chip 101 with the payment information included in the contactless payment request. Can be. The on-chip currency information is information maintained as value information in the electronic chip 101 and may be charged through a normal charging procedure (account transfer, value transfer, etc.).

At this time, the electronic chip 101 can operate in the following three embodiments.

If the in-chip currency information is sufficiently held to subtract the payment information, the electronic chip 101 subtracts the payment information from the in-chip currency information and updates the in-chip currency information without generating the first subtraction information. .

If the in-chip currency information is retained to subtract only a part of the payment information, the electronic chip 101 first subtracts the payment information from the in-chip currency information, and the remaining payment information and the hybrid card payment system 110 are identified. The first subtraction information is generated by comparing the prepaid electronic money information.

That is, the electronic chip 101 checks the in-chip currency information associated with the electronic chip, and if the identified in-chip currency information is less than the payment information included in the contactless payment request, the in-chip currency information is further considered. The first subtraction information is generated.

For example, in the electronic chip 101, if the in-chip currency information held in the electronic chip 101 is '1000 won' and the payment information is '3000 won', the in-chip currency information '1000 won' The first deduction information may be generated by comparing the remaining payment information '2000 won' with the prepaid electronic money information of '5,000 won' held in the virtual account. Here, since the first deduction information is large enough to subtract the payment information in which the prepaid electronic money information is remaining, the first deduction information may be generated using the comparison result as 'approval'. In addition, the first deduction information may include information related to 'deduction, renewal of prepaid electronic money information 2000 won.'

As another example, the electronic chip 101 sums the in-chip currency information '1000 won' and the prepaid electronic money information '5000 won' held in the virtual account, and adds the '6000 won' to the payment information '3000 won'. In comparison, the first subtraction information may be generated.

If the retained in-chip currency information is insufficient to deduct all the payment information, the electronic chip 101 does not consider the in-chip currency information and compares the prepaid electronic money information held in the virtual account with the payment information and immediately deducts the first deduction information. Create

Referring back to FIG. 1, when the first deduction information is generated with the comparison result as an approval, the electronic chip 101 transmits the first deduction information to the virtual account through the hybrid card payment system 110, and then the virtual account. May update the prepaid electronic money information using the first deduction information. That is, when the payment is approved, the electronic chip 101 transmits the first deduction information to the virtual account through the hybrid card payment system 110, and the hybrid card payment system 110 holds the prepaid electronic money held in the virtual account. The amount of the first deduction information can be subtracted from the information, and the deducted amount can be recorded as updated prepaid electronic money information.

For example, when the payment is approved, the electronic chip 101 transmits the first deduction information of '1000 won' to the virtual account through the hybrid card payment system 110, and the hybrid card payment system 110 is transferred from the virtual account. It is possible to subtract the first deduction information of '1000 won' from the existing '5,000 won', and record the deducted '4000 won' as updated prepaid electronic money information.

In addition, when the first deduction information is generated by disapproving the comparison result, the electronic chip 101 displays the first deduction information through the hybrid card payment system 110 as a response to the non-contact payment request. That is, when the payment is disapproved, the electronic chip 101 may display the first deduction information through the hybrid card payment system 110 to inform the disapproval state, thereby allowing the user to prepay the electronic account of the virtual account. Update processing for monetary information can be induced.

The electronic chip 101 generates charging information through various methods, transmits the charging information generated through the hybrid card payment system 110 to the virtual account, and uses the charging information in the virtual account for the prepaid electronic money information. It can be updated. In this case, the electronic chip 101 is connected to a chip-only charger installed at a specific position, and generates charging information, or generates charging information through a pin number input to the electronic chip 101 of the kiosk. can do.

For example, a user may pay for offline currency values (e.g., affiliate miles (including membership mileage), electronic money through events, giftcons through gifts / purchases, credit card payments, etc.) Charge information of the electronic chip 101 may be generated through a chip-only charger installed in (eg, a convenience store, a subway, etc.). Alternatively, by paying the above-mentioned off-line money value, the user acquires the pin number for the electronic chip 101 from the electronic money voucher purchased at the specific location, inputs the obtained pin number into the kiosk, and the electronic chip 101. ) Can generate the charging information.

Here, the kiosk may collectively refer to an unmanned charger that supports generation of charging information in the electronic chip 101 by using a pin number for the electronic chip 101, and supports charging information to the virtual account 120. It may further include an automated teller machine (eg, CD machine, ATM machine provided in the store).

The electronic chip 101 generates charging information on the offline currency value possessed by the user and transmits the generated charging information to the virtual account through the hybrid card payment system 110 to use the charging information in the virtual account. By updating the prepaid electronic money information, the money value on-line is converted to the money value on-line, so that the user can use it usefully when purchasing goods or using the service on-line or off-line.

The magnetic film unit 103 generates second subtraction information in consideration of payment information included in the contact payment request according to the occurrence of the contact payment request. In this case, the magnetic film unit 103 may generate a contact payment request through electromagnetic contact with the hybrid card payment system 110.

Also, the magnetic film unit 103 transmits the second deduction information to the virtual account through the hybrid card payment system 110, and compares the second deduction information and the prepaid electronic money information in the virtual account for the prepaid electronic money information. It can be updated. That is, when the magnetic film unit 103 transmits the second deduction information to the virtual account through the hybrid card payment system 110, based on the second deduction information and the prepaid electronic money information in the virtual account, whether the payment is approved or not. The prepaid electronic money information can be updated and processed according to the decision.

The hybrid card according to an embodiment of the present invention is not limited to a credit card or a check card, but may also be applied to a membership card that mainly accumulates / uses affiliate miles.

In addition, the hybrid card according to an embodiment of the present invention includes not only the electronic chip and the magnetic film unit, but also USB (USB), by supporting the payment or charging through the connection with the Internet, as well as offline and online Payment or charging can also be provided easily.

The hybrid card payment system 110 according to the embodiment of the present invention includes a processor means 111 and an interface means 113. In addition, as another embodiment of the present invention, the hybrid card payment system 110 may further comprise a database (115).

The processor means 111 identifies the type of payment request generated by the hybrid card 100. For example, the processor means 111 identifies the payment request as either the non-contact payment request from the electronic chip 101 located within the set separation distance or the contact payment request from the magnetic film unit 103 through electromagnetic contact. can do.

The processor means 111 reads prepaid electronic money information held in a virtual account associated with the hybrid card 100 when identifying the type of the generated payment request as a contactless payment request. In this case, the processor means 111 obtains the virtual account from an external system (not shown) that manages the hybrid card 100 by using the card identification information included in the payment request, and retains the obtained virtual account in the obtained virtual account. Can lead to prepaid electronic money information. Further, in another embodiment, the processor means 111 retrieves the virtual account associated with the hybrid card 100 from the database 115 by using the card identification information included in the payment request, and holds the prepaid electronic account in the retrieved virtual account. You can also read monetary information.

Further, as another embodiment, the processor means 111, the on-chip currency information held in the electronic chip 101 in the hybrid card 100 is less than the payment information included in the contactless payment request to the request of the electronic chip 101. Accordingly, the prepaid electronic money information held in the virtual account can be read.

The interface unit 113 transmits the read prepaid electronic money information to the electronic chip 101 in the hybrid card 100, and transmits the first deduction information generated by the electronic chip 101 to the virtual account, thereby transferring the information from the virtual account. The prepaid electronic money information is updated using the first deduction information. In this case, the interface unit 113 may transmit the first deduction information generated by the approval of the prepaid electronic money information and the payment information included in the payment request in the electronic chip 101 to the virtual account.

In another embodiment, when the electronic chip, the prepaid electronic money information and in-chip currency information held in the electronic chip is summed and compared with the payment information included in the contactless payment request, the interface means 113 ) Receives, from the electronic chip, first subtraction information generated as a result of the comparison. The received first deduction information is transmitted to the virtual account for the update processing of the prepaid electronic money information.

The virtual account receiving the first deduction information may deduct the amount of the first deduction information from the prepaid electronic money information held, and record the deducted amount as the updated prepaid electronic money information.

When the type of the payment request is identified as the contact payment request by the processor means 111, the interface means 113 transfers the second deduction information generated by the magnetic film unit 103 in the hybrid card 100 to the virtual account. By transmitting, it is possible to compare the second deduction information and the prepaid electronic money information in the virtual account to update the prepaid electronic money information.

In this case, when the prepaid electronic money information held is larger than the payment information, the virtual account may approve payment and update the prepaid electronic money information. For example, if the payment is approved, the virtual account may subtract the amount of the second deduction information from the prepaid electronic money information held, and record the deducted amount as the updated prepaid electronic money information.

On the other hand, when the prepaid electronic money information is smaller than the payment information, the virtual account may not approve the payment and may not update the prepaid electronic money information. In another embodiment, the payment may be processed as much as the prepaid electronic money information retained, or may be provided to guide the user to induce charging of the prepaid electronic money information.

The interface unit 113 transmits the charging information generated by the chip-only charger or kiosk connected to the electronic chip 101 in the hybrid card 100 to the virtual account, and uses the charging information in the virtual account to prepaid electronic money information. Can be updated on.

Meanwhile, the virtual account may receive charging information through bank transfer, cash deposit, credit card, point conversion of the Internet, etc., and update the prepaid electronic money information using the input charging information. Therefore, the charge of the virtual account can be easily charged, and the charge of the virtual account can be more conveniently charged with the spread of the wireless Internet banking.

As a result, the card generating only the existing contactless payment request, that is, the card including the electronic chip, is inconvenient to charge by updating the prepaid electronic money information of the electronic chip in a limited manner at a specific location, while the contactless payment request or the contact payment request is The card that occurs all, that is, the hybrid card including the electronic chip and the magnetic film unit is not limited to the location, and the charging is convenient by updating the prepaid electronic money information of the virtual account in various ways.

In addition, the interface means 113 retrieves mobile terminal information associated with the hybrid card 100 from the database 115 by using the card identification information included in the payment request, and is a mobile terminal identified by the retrieved mobile terminal information. In connection with updating the prepaid electronic money information held in the virtual account, the payment result message may be transmitted. In this case, the interface unit 113 may further transmit, to the mobile terminal, at least one of a payment request type, first deduction information, second deduction information, and prepaid electronic money information held in the virtual account together with the payment result message.

The database 115 may store card identification information (eg, chip number, card number), virtual account information, and mobile terminal information (eg, phone number) of the hybrid card 100 in correspondence. The database 115 provides virtual account information or mobile terminal information corresponding to the hybrid card 100 that generated the payment request faster than an external system that manages the hybrid card 100, so that the payment service can be processed quickly. Create an environment.

According to an embodiment of the present invention, according to the generation of the contact payment request or contact payment request of the hybrid card, by processing the payment using the prepaid electronic money information held in the virtual account, a variety of payment services using one card It provides, and can be easily charged electronic money through various charging methods.

Referring to FIG. 2, the hybrid card 100 uses prepaid electronic money information of the virtual account 120 identified through the hybrid card payment system as a payment amount according to a contactless or contact payment request. Therefore, in order for the hybrid card 100 to receive approval for payment, the virtual account 120 should have prepaid electronic money information more than the deduction information based on the payment information.

Here, the prepaid electronic money information held in the virtual account 120 may be updated through various methods to charge the payment price.

Specifically, the virtual account 120 may receive the charging information generated by the electronic chip 101 in the hybrid card 100, and update the prepaid electronic money information by using the input charging information.

For example, the virtual account 120 receives the charging information generated by the chip-only charger 201 or the kiosk 203 connected to the electronic chip 101 in the hybrid card 100 to update the prepaid electronic money information. Can be. The user pays the offline currency value (for example, cash, affiliate gift certificate) that he holds, and generates charging information of the electronic chip 101 through a chip-only charger installed at a specific location (convenience store, subway, etc.). Can be. In addition, the user pays the monetary value of the offline status (e.g., affiliate mileage, electronic money through the event, the amount of the Kipcon, the amount of credit card payment, etc.) The pin number of the chip 101 may be obtained, and the obtained pin number may be input to the kiosk 203 to generate charging information of the electronic chip 101.

In addition, the virtual account 120 is a bank transfer, automatic transfer (specific date or virtual account) by the automated teller machine 205, the Internet support terminal 207 (for example, a PC supporting a wired or wireless Internet, mobile terminal) If the prepaid electronic money information is less than or equal to the set amount, it is automatically charged and transferred), cash deposit, and the charging information is input through the Internet point conversion, and the prepaid electronic money information is updated using the input charge information. Can be.

Referring to FIG. 3, the database of the hybrid card payment system may store card identification information (eg, chip number and card number), virtual account information, and mobile terminal information (eg, phone number) of the hybrid card.

For example, the database of the hybrid card payment system includes '567812, 123-12-56789, 010-4555-1111', '234567,-, 011-312-7650' and '899112, 456-13-77600,-' and the like. Can be stored.

The hybrid card payment system may acquire a virtual account holding the prepaid electronic money information from an external system that manages the hybrid card by using the card identification information included in the payment request according to the generation of the payment request of the hybrid card. By searching the virtual account in the database included in the, it is possible to quickly and easily access the virtual account.

In addition, the hybrid card payment system retrieves mobile terminal information associated with the hybrid card from the database using the card identification information, and updates the prepaid electronic money information held in the virtual account by the mobile terminal identified by the retrieved mobile terminal information. In connection with, the payment result message can be transmitted, so that the user can easily recognize the payment result. In addition, the user can check the prepaid electronic money information of the virtual account received with the payment result message, so that the prepaid electronic money information can be charged at an appropriate time.

4 and 5, a method of operating a non-contact or contact payment request of a hybrid card and a hybrid card payment system according to an embodiment of the present invention will be described. Here, the prepaid electronic money information of the virtual account used as the payment price for the hybrid card payment request may be updated in various ways. Specifically, the virtual account receives charging information through bank transfer, cash deposit, Internet point conversion, or the like, or receives charging information generated from an electronic chip in a hybrid card through a hybrid card payment system, and inputs charging. The information can be used to update the prepaid electronic money information held.

Referring to FIG. 4, the hybrid card 100 may have a predetermined distance from the hybrid card payment system 110, that is, a recognizable distance with respect to the electronic chip 101 in the hybrid card 100 in the hybrid card payment system 110. It may be located within the contactless payment request may be generated (401).

The hybrid card payment system 110 recognizes the payment request generated by the hybrid card 100 and identifies the type of the payment request. For example, the hybrid card payment system 110 may identify the payment request as either a non-contact payment request from the electronic chip or a contact payment request from the magnetic film unit through electromagnetic contact.

The hybrid card payment system 110 reads prepaid electronic money information held in the virtual account 120 associated with the hybrid card 100 when identifying the type of the generated payment request as a contactless payment request (403). In this case, the hybrid card payment system 110 obtains the virtual account from an external system (not shown) that manages the hybrid card 100 by using the card identification information included in the payment request, and obtains the obtained virtual account. You can read the prepaid electronic money information held by. Further, in another embodiment, the processor means 111 retrieves a virtual account associated with the hybrid card 100 from a database included therein by using the card identification information included in the payment request and holds the retrieved virtual account in the prepaid account. You can also read electronic money information.

Specifically, when the hybrid card payment system 110 identifies the type of payment request generated as a non-contact payment request, when the prepaid electronic money information is requested to the virtual account 120 associated with the hybrid card 100, the prepaid payment is held. The prepaid electronic money information may be received from the virtual account 120 confirming the electronic money information (405).

The hybrid card payment system 110 transmits the read prepaid electronic money information to the hybrid card 100 (407).

The hybrid card 100 compares the payment information included in the contactless payment request with the prepaid electronic money information received from the hybrid card payment system 110 to generate first deduction information (409). Here, the hybrid card 100 generates the first deduction information with the determination of the approval, and transmits the generated first deduction information to the hybrid card payment system 110.

In this case, the hybrid card 100 may approve payment if the prepaid electronic money information is not smaller than the payment information. On the other hand, if the prepaid electronic money information is smaller than the payment information, the hybrid card 100 may disapprove the payment.

The hybrid card payment system 110 may check the first deduction information received from the hybrid card 100 and perform payment processing. That is, when the first deduction information is generated based on the comparison result, the hybrid card payment system 110 may transmit the first deduction information to the virtual account (411).

Upon receiving the first deduction information, the virtual account 120 may update the prepaid electronic money information using the first deduction information (413). That is, the virtual account 120 may subtract the amount of the first deduction information from the prepaid electronic money information held, and record the deducted amount as updated prepaid electronic money information.

Meanwhile, when the first deduction information received from the hybrid card 100 is generated by disapproving the comparison result, the hybrid card payment system 110 converts the first deduction information into the hybrid card payment as a response to the contactless payment request. It may be displayed through the system 110 and may not perform a payment process. In this case, the hybrid card payment system 110 may further display a message indicating the disapproved state or the cause of disapproval (for example, lack of electronic money or a virtual account related system error) together with the first deduction information.

In addition, the hybrid card payment system 110 checks the mobile terminal information associated with the hybrid card 100 using the card identification information included in the payment request, and is a mobile terminal identified by the confirmed mobile terminal information, the virtual account In connection with the update of the prepaid electronic money information held at the, the payment result message may be transmitted. In this case, the hybrid card payment system 110 may further transmit at least one of a payment request type, first deduction information, second deduction information, and prepaid electronic money information held in the virtual account together with the payment result message to the mobile terminal. .

Referring to FIG. 5, the hybrid card 100 may generate a contact payment request through electromagnetic contact between the hybrid card payment system 110 and the magnetic film unit in the hybrid card 100 (501). In addition, the hybrid card 100 may generate second deduction information in consideration of payment information included in the contact payment request, and transmit the generated second deduction information to the hybrid card payment system 110 (503).

When the hybrid card payment system 110 recognizes the payment request generated by the hybrid card 100 and identifies the type of the payment request as a contactless payment request (05), the hybrid card payment system 110 receives the first request received from the hybrid card 100. The second subtraction information is transmitted to the virtual account 120 (507).

The virtual account 120 checks the prepaid electronic money information held in operation 509 and compares the confirmed prepaid electronic money information with the prepaid electronic money information to update the prepaid electronic money information in operation 511. In this case, when the prepaid electronic money information held is not smaller than the payment information, the virtual account 120 may approve the payment and update the prepaid electronic money information. For example, if the payment is approved, the virtual account 120 may subtract the amount of the second deduction information from the prepaid electronic money information held, and record the deducted amount as updated prepaid electronic money information.

In contrast, when the prepaid electronic money information is smaller than the payment information, the virtual account 120 may not update the prepaid electronic money information by disapproving the payment.

Embodiments of the present invention may be implemented in the form of program instructions that may be executed by various computer means and may be recorded in a computer readable medium. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. Program instructions recorded on the media may be those specially designed and constructed for the purposes of the present invention, or they may be of the kind well-known and available to those having skill in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tape, optical media such as CD-ROMs, DVDs, and magnetic disks, such as floppy disks. Magneto-optical media, and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like. The hardware device described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

As described above, the present invention has been described by way of limited embodiments and drawings, but the present invention is not limited to the above embodiments, and those skilled in the art to which the present invention pertains various modifications and variations from such descriptions. This is possible.

Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined not only by the claims below but also by the equivalents of the claims.

Claims

According to the occurrence of the contactless payment request, the prepaid electronic money information held in the virtual account is confirmed through the hybrid card payment system, and the first deduction is made by comparing the payment information included in the contactless payment request with the confirmed prepaid electronic money information. An electronic chip for generating information; And

The magnetic film unit generates second subtraction information in consideration of the payment information included in the contact payment request according to the occurrence of the contact payment request.

Hybrid card comprising a.
The method of claim 1,

The electronic chip,

Identify in-chip currency information associated with the electronic chip,

And generating the first subtraction information by further considering the in-chip currency information when the identified in-chip currency information is less than the payment information included in the contactless payment request.
The method of claim 1,

When the first subtraction information is generated with the comparison result as an approval,

The electronic chip,

And transmitting the first deduction information to the virtual account through the hybrid card payment system to update the prepaid electronic money information using the first deduction information in the virtual account.
The method of claim 1,

When the first subtraction information is generated by using the comparison result as disapproval,

The electronic chip,

And displaying the first deduction information through the hybrid card payment system in response to the contactless payment request.
The method of claim 1,

The magnetic film unit,

The second deduction information is transmitted to the virtual account through the hybrid card payment system, so that the second deduction information and the prepaid electronic money information are compared in the virtual account to update the prepaid electronic money information. Hybrid card.
Processor means for identifying the type of payment request generated by the hybrid card and reading the prepaid electronic money information held in a virtual account associated with the hybrid card when identifying the type as a contactless payment request; And

The read prepaid electronic money information is transmitted to the electronic chip in the hybrid card, and the first deduction information generated by the electronic chip is transmitted to the virtual account, and the prepaid is used by using the first deduction information in the virtual account. Interface means for updating the electronic money information

Hybrid card payment system comprising a.
The method of claim 6,

The electronic chip adds the prepaid electronic money information and in-chip currency information held in the electronic chip and compares the payment information included in the contactless payment request.

The interface means,

And the first deduction information generated as a result of the comparison is received from the electronic chip.
The method of claim 6,

If the type is identified as a contact payment request by the processor means,

The interface means,

The second deduction information generated by the magnetic film unit in the hybrid card is transmitted to the virtual account, and the update is performed on the prepaid electronic money information by comparing the second deduction information and the prepaid electronic money information in the virtual account. , Hybrid card payment system.
The method of claim 6,

The interface means,

Sending the charging information generated by the chip-only charger or kiosk connected to the electronic chip in the hybrid card to the virtual account, to update the prepaid electronic money information using the charging information in the virtual account, Hybrid card payment system.
Checking the prepaid electronic money information held in the virtual account through the hybrid card payment system according to the occurrence of the contactless payment request;

Generating first subtraction information by comparing payment information included in the contactless payment request with the confirmed prepaid electronic money information; And

When the first deduction information is generated with the comparison result as an approval, transmitting the first deduction information to the virtual account through the hybrid card payment system, and using the first deduction information in the virtual account. Updating the prepaid electronic money information

Method of operation of a hybrid card comprising a.
The method of claim 10,

Generating the first subtraction information,

Identifying in-chip currency information associated with the electronic chip; And

Generating the first subtraction information by further considering the in-chip currency information when the identified in-chip currency information is less than the payment information included in the contactless payment request;

Method of operation of a hybrid card comprising a.