KR100796972B1 - System for manage an ic card - Google Patents

Abstract

The present invention relates to an electronic wallet consignment management system,

Customer-specific electronic wallets in the form of IC chips charged with electronic money; An electronic wallet interface unit for interfacing data with the customer-specific electronic wallets; A network interface unit for transmitting and receiving data with an external computer device; A payment processing unit for processing payment information for charging electronic money; An electronic wallet settlement processing unit for charging the electronic money corresponding to the charged requisition payment amount to the electronic wallet of the recharging request customer and requesting the settlement of the electronic money corresponding to the payment requisition amount from the electronic wallet of the requisitioned customer; A customer information DB for storing customer authentication and authentication information for electronic wallet identification of a certified customer; And a customer information management unit for authenticating the customer and generating and reading the electronic wallet identification information of the certified customer.

Electronic wallet, electronic money, consignment management.

Description

Electronic wallet consignment management system {SYSTEM FOR MANAGE AN IC CARD}

1 is a schematic diagram of an electronic wallet consignment management system according to an embodiment of the present invention.

Figure 2 is an exemplary configuration of the electronic wallet consignment management system according to an embodiment of the present invention.

3 is an exemplary configuration diagram of a PCI board on which a customer-specific electronic wallet shown in FIG. 2 is mounted.

The present invention relates to an electronic wallet management system, and more particularly to a system for consigned management of customer-owned electronic wallet.

The currency used in general commerce was limited to banknotes, coins and checks, but new currency concepts were introduced due to the inconvenience and theft concerns of holding money. In particular, with the introduction of the concept of electronic commerce, a new payment method that has not been experienced in real trading has been required, and as a means of satisfying this, electronic wallets with credit cards and IC chips have been widely used.

Electronic wallets can be divided into contact cards and contactless cards. The contact card has a form in which a contact terminal and an electronic chip are embedded in the card, and as the contact terminal contacts a contact point of the card reader, a contact card and an electronic chip may exchange various information with the card reader. That is, when a user setstles and charges a predetermined amount in an electronic wallet in which a contact electronic chip is embedded, the amount set by the user is charged in the contact electronic chip in the electronic wallet. Thereafter, when the user presents the electronic wallet in response to a commerce activity such as a purchase of goods, and the seller inputs the electronic wallet into the card reader and inputs the settlement amount, the card reader reads from the amount already charged in the contact type electronic chip. By subtracting the settlement amount arising from the transaction, the new amount is recorded so that the user fee can be settled.

In contrast, an electronic wallet with a contactless electronic chip has a loop-type antenna and a contactless electronic chip embedded therein, and communicates with a card reader installed in a bus or a public telephone.

Regardless of the contactless or contact electronic wallet, the electronic wallet itself must be used to use the currency stored in the electronic wallet. Therefore, the customer must bear the inconvenience of having the electronic wallet, and in some cases, there is a high risk of losing the electronic wallet.

Accordingly, an object of the present invention is to provide an electronic wallet consignment management system that can easily manage and easily expand the system of the customer owned electronic wallet.

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Electronic wallet entrusted management system according to an embodiment of the present invention for achieving the above object,

Customer-specific electronic wallets in the form of IC chips charged with electronic money;

An electronic wallet interface unit for interfacing data with the customer-specific electronic wallets;

A network interface unit for transmitting and receiving data with an external computer device;

A payment processing unit for processing payment information for charging electronic money;

An electronic wallet settlement processing unit for charging the electronic money corresponding to the charged requisition payment amount to the electronic wallet of the recharging request customer and requesting the settlement of the electronic money corresponding to the payment requisition amount from the electronic wallet of the requisitioned customer;

A customer information DB for storing customer authentication and authentication information for electronic wallet identification of a certified customer;

And a customer information management unit for authenticating the customer and generating and reading the electronic wallet identification information of the certified customer.

According to the characteristics of the present invention as described above, since the electronic wallet of the IC chip type to be issued to the customer is directly managed by the service provider system, the problem of having the electronic wallet can be solved.

Furthermore, in another embodiment of the present invention, by charging and managing the electronic money for one or more customers in each customer-specific electronic wallet, it is possible to maximize the number of electronic wallets of the customer to be entrusted management.

In addition, in another embodiment of the present invention because the customer-specific electronic wallet is mounted on a PCI board or a PCI-X board to have a structure to insert into a PCI slot or PCI-X slot in the main computer system can be conveniently built system There is a characteristic.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description of the present invention, if it is determined that a detailed description of related known functions or configurations may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a schematic diagram for briefly explaining the operation of the electronic wallet entrusted management system according to an embodiment of the present invention.

As illustrated in FIG. 1, the member customer 10 may access the electronic wallet consignment management system 100 to join the electronic wallet in the form of an IC chip. And through a variety of notification methods, such as credit card payments to charge a charge (corresponding to points) to their electronic wallet. If payment is made normally, the electronic wallet corresponding to the charging fee is charged and managed in the member's electronic wallet.

Member customers can use their electronic money, which is managed online, offline or online. That is, the member customer visits the store 60 and provides the store terminal with information (corresponding to the member information) for authenticating itself. This customer authentication information is provided to the electronic wallet consignment management system 100 is used for customer authentication. For reference, it may be desirable for the customer authentication information to use the customer's body information such as fingerprints and irises for security reasons. A password that is generally used can be used as customer authentication information, but such authentication information is not said to be excellent in security.

If it is determined that the normal customer member in the above-described authentication step, the electronic wallet consignment management system 100 transmits information indicating whether or not the settlement is possible to the terminal of the shop 60 side. As a result, normal member customers can purchase goods online or offline without the possession of an electronic wallet. Of course, the shop 60 side is paid for the goods through the electronic wallet consignment management system 100, the electronic wallet consignment management system 100 may be settled by deducting from the customer's electronic wallet as much as the cost paid .

1, that is, the member customer 10 may pay (including transfer) the charge directly through the financial institution 30, and the customer payment information may be transferred to the electronic wallet consignment management system 100. As delivered, it indicates that the electronic wallet of the customer can be charged a predetermined electronic money.

Hereinafter, the configuration of the electronic wallet entrustment management system 100 will be described in more detail.

FIG. 2 illustrates a block diagram of an electronic wallet consignment management system 100 according to an exemplary embodiment of the present invention, and FIG. 3 is a diagram of a peripheral component interconnect (PCI) board on which a customer-specific electronic wallet shown in FIG. 2 is mounted. The configuration diagram is illustrated.

Referring first to Figure 2, the network interface unit 110 serves to send and receive data with the external computer device. An external computer device is a generic term for store terminals (servers) and financial institution servers that exist online and offline as well as terminals of member customers.

Meanwhile, the payment processing unit 121, which is a component of the electronic wallet consignment management controller 120, serves to process payment information for charging electronic money. For example, the payment processing unit 121 receives payment information such as credit card payment when a request for charging electronic money is received from a customer terminal, inquires it to a financial institution server, receives the result, and receives an electronic wallet described later with the customer terminal. It passes to the settlement processing unit 125.

The electronic wallet settlement processing unit 125 requests an electronic money corresponding to the payment request amount that has been paid to the electronic wallet controller which will be described later so as to be charged in the electronic wallet of the charging request customer, and requests the payment of the electronic money corresponding to the payment request amount. It plays a role in requesting settlement from the electronic wallet.

The customer information management unit 123 receives the information for customer authentication from the customer terminal, generates electronic wallet identification information, and stores it together in the customer information DB 130 to be described later. The electronic wallet identification information is electronic wallet identification information assigned to a registered customer. The customer information management unit 123 authenticates the customer and reads the electronic wallet identification information of the certified customer and passes the information to the electronic wallet settlement processing unit 125.

For reference, as described above, it is preferable that the information for customer authentication uses the body information of the customer such as a fingerprint for security reasons.

The customer information DB 130 is basically a database in which customer information is stored. More specifically, the customer information DB 130 stores customer authentication and electronic wallet identification information of a certified customer.

The electronic wallet interface unit 140 serves to interface data between the electronic wallet entrustment management control unit 120 and the customer-specific electronic wallet to be described later. For example, a PCI interface may be used as the electronic wallet interface unit 140. As well as PCI, VME or other various bus types may be implemented to connect with a plurality of customer-specific wallets 150.

The customer-specific electronic wallet 150 has an IC chip form as a storage means for charging electronic money. The electronic wallet in the form of an IC chip includes a memory, a memory controller, and interface means, as is known in the art.

Customer-specific electronic wallet 150 according to an embodiment of the present invention, as shown in Figure 3 is mounted on a PCI board or a PCI-X board, a plurality of PCI slot or PCI through a USB hub and PCI to USB bridge circuit By having a structure inserted into the -X slot, data transmission and reception is possible with the electronic wallet entrusted management control unit 120.

As such, by inserting the PCI board on which the customer-specific electronic wallets 150 are mounted into the PCI slot whenever necessary, the number of electronic wallets entrusted and managed can be easily expanded.

In some cases, by charging and managing the electronic money for one or more customers in one customer electronic wallet 150, it is possible to simply expand the number of member customers to manage the electronic wallet entrusted without the system expansion.

Hereinafter, the operation of the electronic wallet consignment management system 100 having the above-described configuration will be described in detail.

First, the customer who wants to request electronic wallet consignment management accesses the electronic wallet consignment management system 100 and registers as a member. Provide authentication information required for membership registration. Membership is not a requirement of providing the services of the present invention. The customer information management unit 123 in the electronic wallet consignment management system 100 assigns an electronic wallet in the form of an IC chip to the (member) customer who requested the electronic wallet consignment management and generates the electronic wallet discrimination information and the customer together with the customer information. Information is stored in the DB (130).

Then, if there is a request for charging the electronic wallet from the member customer, the payment processing unit 121 receives payment information from the customer terminal requesting the charging of the electronic wallet and requests a payment inquiry to the financial institution server. An example of payment information is a credit card inquiry request.

If payment approval information is transmitted from the financial institution server, the electronic wallet settlement processing unit 125 requests the corresponding electronic wallet controller to charge the electronic wallet 150 of the corresponding charging request customer to the electronic money corresponding to the completed payment request amount. do. At this time, the information to be transmitted will be at least the charge request amount and information for electronic wallet determination.

When the electronic wallet payment request is made by the electronic wallet settlement processing unit 125 as described above, the controller of the electronic wallet writes the received charging request amount to the internal memory means, so that the electronic wallet assigned to the customer is charged. This will be recorded normally.

On the other hand, a member customer who visits an offline store purchases an item and suggests using the electronic money managed online as a payment method. When the store-side terminal is connected to the electronic wallet consignment management system 100, the customer information management unit 123 requests information for customer authentication. Member customers directly enter their own authentication information. When the customer information management unit 123 performs customer authentication and turns out to be normal, the customer information management unit 123 reads the electronic wallet identification information of the certified customer and passes it to the electronic wallet settlement processing unit 125. In this regard, the electronic wallet settlement processing unit 125 requests the electronic wallet controller of the customer who is requested to pay the electronic money corresponding to the payment request amount additionally transmitted from the store terminal.

In response to the settlement request, the controller of the electronic wallet subtracts the payment amount from the charged electronic money amount, records and stores the balance again, and passes the settlement result to the electronic wallet settlement processing unit 125. The electronic wallet settlement processing unit 125 transmits the settlement result to the store terminal.

Accordingly, the member customer and the store side are notified that the payment has been completed normally.

For reference, the operator of the electronic wallet consignment management system 100 transfers the requested amount of payment online or offline based on the settlement result.

According to the above embodiment, since the customer can normally perform a commerce activity online or offline without having his or her own electronic wallet, it is possible to solve the inconvenience and risk of having the electronic wallet.

As described above, the present invention has an advantage that the electronic wallet of the IC chip to be issued and distributed to the customer is directly managed by the system of the service provider.

Furthermore, since the customer-specific electronic wallets are mounted on a PCI board or a PCI-X board and inserted into a PCI slot or a PCI-X slot in the main computer system, there is an advantage that the system can be conveniently constructed and expanded.

In addition, by charging and managing the electronic money of a plurality of customers in each customer electronic wallet for consignment management, it is also possible to easily expand the number of member customers who manage the electronic wallet consignment without the system expansion.

On the other hand, the present invention has been described with reference to the embodiments shown in the drawings, which are merely exemplary, and those skilled in the art will understand that various modifications and equivalent other embodiments are possible therefrom. Therefore, the true technical protection scope of the present invention should be defined only by the appended claims.

Claims (5)

A PCI board equipped with customer-specific electronic wallets in the form of IC chips charged with electronic money, and a plurality of hubs and bridge circuits for electrically connecting some of the electronic wallets and PCI slots; An electronic wallet interface unit for interfacing data with the PCI board on which the customer-specific electronic wallets are mounted; A network interface unit for transmitting and receiving data with an external computer device; A payment processing unit for processing payment information for charging electronic money; An electronic wallet settlement processing unit for charging the electronic money corresponding to the charged requisition payment amount to the electronic wallet of the recharging request customer and requesting the settlement of the electronic money corresponding to the payment requisition amount from the electronic wallet of the requisitioned customer; A customer information DB for storing customer authentication and authentication information for electronic wallet identification of a certified customer; And a customer information management unit for authenticating the customer and generating and reading the electronic wallet identification information of the certified customer. The electronic wallet consignment management system according to claim 1, wherein each electronic wallet for each customer is charged and managed with electronic money for at least one customer. delete delete delete

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