KR101729964B1 - System to charge Coin to IC card and Method thereof - Google Patents

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

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Publication number
KR101729964B1
KR101729964B1 KR1020150075960A KR20150075960A KR101729964B1 KR 101729964 B1 KR101729964 B1 KR 101729964B1 KR 1020150075960 A KR1020150075960 A KR 1020150075960A KR 20150075960 A KR20150075960 A KR 20150075960A KR 101729964 B1 KR101729964 B1 KR 101729964B1
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KR
South Korea
Prior art keywords
change
card
value
transfer
amount
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KR1020150075960A
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Korean (ko)
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KR20160139971A (en
Inventor
김승훈
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주식회사 텔큐온
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Publication of KR20160139971A publication Critical patent/KR20160139971A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—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

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

Abstract

The change transfer system of the present invention includes a financial institution such as a bank issuing a value transfer IC card, a financial institution such as a bank issuing a value transfer IC card, a merchant such as a convenience store that issues a change transfer IC card, issues a change card, issues a change card, The change card IC card is issued from the franchisee, and the individuals exchanging the change money IC card with the bank are transferred to an individual account. The change transfer system of the present invention is a change transfer terminal that stably transfers change money, A user PC for communicating with a previous terminal of change number to input and display user requirements, a value transfer IC card installed in the previous transfer terminal for subtracting change money, and a change charge subtracted from the value transfer IC card It is characterized in that consisting of reumdon IC card. 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.

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)

delete delete delete delete In a transition system for transferring change money from a value transfer IC card to a change card IC card that stores a certain amount of financial institution issuance charged at a merchant such as a convenience store or a bank,
The change system for transferring change money from the value transfer IC card to the change card, which charges and stores a certain amount of money issued by the financial institution,
When the change amount information is inputted through the user PC 200 by installing it at a franchise shop such as a convenience store bank, an initial command for transferring the change money is transmitted to the change IC card 400, After receiving the necessary information including the transaction number, the random number, the change amount, and the signature data, the initial command and the information received from the change card IC card 400 are transferred to the value transfer IC card 300, Value transfer Transfer the IC card number, the transaction number, the random number, the amount of change, the signature data on the verification success, and change again. IC card (400) Change number, change amount, and signature data for verification success;
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 order, a change number, a random number, a change number, and the like from the change order pre-change terminal 100. In this case, When the verification is performed by extracting the signature value after the receipt of the amount and signature data and the verification by the signature value is successful, the change amount information is subtracted from the balance stored in the internal memory, and the card number, transaction number, random number, A pre-value IC card 300 that transmits previously required data including signature data for success to the terminal 100 before the change, and stores a transaction log therein;
And an initial command for transferring a change of exchange, and transmits the card number, the transaction number, the random number, the change amount, and the signature data to the previous terminal 100, and also receives the change transfer command from the previous change terminal 100 and the validated value of the pre-value IC card number, transaction number, random number, change amount, signature data And a change card (IC card) 400 for storing the change log information and storing the transaction log therein. The system according to claim 1, Change Transfer system to transfer change from IC card to IC card.
Value transfer from a franchise such as a convenience store or a bank to which a certain amount of financial institution issuance is stored In a transfer method for transferring change money from an IC card to a change card,
A change transfer method for transferring change money from a value transfer IC card charged with a predetermined amount of money issued by the financial institution to a change card IC card,
(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;
(S13) of generating and verifying a signature value after receiving the initial command and change amount information, and then responding the previously required data to the previous terminal (100) after the change card IC card receives the initial command and change amount information;
(S14) of transferring the response data and the initial command to the pre-charged value IC card 300 charged with a predetermined amount;
A step S15 of generating and verifying a signature value by the value previous IC card;
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 previous 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);
(S19) of generating and verifying a signature value of the change card;
(Step S20) of updating the amount of change in the IC card balance if the verification succeeds (step S20). The value transferred from the financial institution issuance is transferred from the IC card to the change card. Way.
The method according to claim 6,
A change transfer method for transferring change money from a value transfer IC card charged with a predetermined amount of money issued by the financial institution to a change card IC card,
If the verification by the signature value is unsuccessful in step S15, the terminal before the change is tried again from step S12. The change is transferred from the IC card to the change IC card Transfer method of change.
8. The method of claim 7,
A change transfer method for transferring change money from a value transfer IC card charged with a predetermined amount of money issued by the financial institution to a change card IC card,
If the verification of the signature value is unsuccessful in step S19, it is tried again from step S12. The method of transferring the change of transference of the change amount from the value transfer IC card to the change card IC card.
9. The method of claim 8,
After the change card IC card receives the initial command and the change amount information and generates and verifies the signature value, the step S13 of responding the previously required data to the terminal 100 before the change,
A signature value is generated using a symmetric key encryption method such as SEED, 3DES, AES, ARIA, or an asymmetric key encryption algorithm such as RSA. Change method to transfer change to IC card.
9. The method of claim 8,
The step S15 of generating and verifying the signature value in the value previous IC card,
A signature value is generated using a symmetric key encryption method such as SEED, 3DES, AES, ARIA, or an asymmetric key encryption algorithm such as RSA. Change method to transfer change to IC card.
KR1020150075960A 2015-05-29 2015-05-29 System to charge Coin to IC card and Method thereof KR101729964B1 (en)

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