KR101316687B1 - System and terminal for automatic exchange included card - Google Patents

Abstract

The present invention relates to an automatic currency exchange system and a currency exchange terminal including a card, and more particularly, to an automatic currency exchange system and a currency exchange terminal including a card and a card that can be used in a plurality of countries.
To this end, the exchange terminal of the present invention stores a transmission center for generating and transmitting an information modification file instructing a change of information stored in the card, and stores the information modification file received from the transmission center, and accesses the card within a recognizable range. It includes a currency exchange terminal for converting the stored amount in the currency unit indicated by the information correction file, providing a stored amount to the card terminal, and a card for receiving and storing the exchanged amount.

Description

System and terminal for automatic exchange included card

The present invention relates to an automatic currency exchange system and a currency exchange terminal including a card, and more particularly, to an automatic currency exchange system and a currency exchange terminal including a card and a card that can be used in a plurality of countries.

In the past, cash was mainly used as a payment method for goods or services. However, as the credit society entered, the use of credit cards increased rapidly.

A credit card is a plastic identification card issued by a bank or a large store. It allows you to postpone payments for goods or services, or to withdraw cash from a cash dispenser (CD). The card holder's identification information, password, and the like are stored in the magnetic strip of the card. Credit card merchants access the main computer of the credit card issuing company online through a credit check terminal (CAT) to check the credit card usage limit, account / deposit balance, and validity to allow postpay payment. The bank's CD reads the credit card information to verify the credit card holder's account details and pay cash. Prepaid cards can be used to pay for goods or services. A prepaid card is a card that can be used at a prepaid card merchant after the card is charged.

Prepaid cards are usually given discounts to customers in return for prepaid payments, and they are often used in industries with high frequency of small cash sales. It features features such as prepaid, variability in use value, anonymity, simplicity of portability, simplicity of use and economical efficiency. The public prepaid cards in Korea, such as public telephone cards and regular subway tickets, are the main examples. As described above, various payment related services are required to efficiently use various payment means and provide more convenient services.

In addition, there are frequent departures from overseas due to vacation or business trip. Therefore, the necessity of using the prepaid card which is used in domestic can be used in overseas business trip area.

However, because each country currently has different standards for prepaid cards and exchange rates, there is a significant impact on interoperability and compatibility, so you can't use your own transit card when you actually travel to another country. The disadvantage is that a separate card must be purchased and recharged. In addition, there is a drawback that if the balance of the card is left, it cannot be used before returning to the country.

The problem to be solved by the present invention is to propose a method that can be used in a plurality of countries using a single card.

Another problem to be solved by the present invention is to propose a method to match the transit card specifications between each country to be used in a plurality of countries using a single card.

Another problem to be solved by the present invention is to propose a method for the user to simply exchange the amount of money stored in the card.

To this end, the exchange system of the present invention stores a transmission center for generating and transmitting an information modification file instructing a change of information stored in the card, and stores the information modification file received from the transmission center and accesses the card within a recognizable range. It includes a currency exchange terminal for converting the stored amount in the currency unit indicated by the information correction file, providing a stored amount to the card terminal, and a card for receiving and storing the exchanged amount.

To this end, the exchange terminal of the present invention includes a communication unit for receiving an information correction file instructing to change the information stored in the card, a storage unit for storing the details processed using the information correction file and the information correction file received from the communication unit, And a control unit for converting the amount of money stored in the card accessed within the recognizable range into currency indicated by the information correction file.

The currency exchange system using the information correction file according to the present invention can be used in a plurality of countries using one card. That is, the money exchange terminal that receives the information modification file automatically converts the amount of money stored in the card into the currency of the corresponding country, so that the user can use the card in a plurality of countries.

In addition, since one card can be used in a plurality of countries, there is no need to purchase a separate card from abroad, thereby eliminating the hassle of remaining balance on the card. In addition, when entering the country from abroad, it is possible to maximize the user's profit by automatically converting the currency into the currency of the country.

1 illustrates a format of an information modification file according to an embodiment of the present invention.
FIG. 2 illustrates an exchange system for exchanging an amount of money stored in a card using an information correction file according to an embodiment of the present invention.
A country code and a currency code are stored in a card according to an embodiment of the present invention.
4 illustrates in detail an operation performed between a card and an exchange terminal according to an embodiment of the present invention.
5 illustrates a structure of a currency exchange terminal according to an embodiment of the present invention.

The foregoing and further aspects of the present invention will become more apparent through the preferred embodiments described with reference to the accompanying drawings. Hereinafter will be described in detail to enable those skilled in the art to easily understand and reproduce through this embodiment of the present invention.

1 illustrates a format of an information modification file according to an embodiment of the present invention. Hereinafter, the format of an information modification file according to an embodiment of the present invention will be described in detail with reference to FIG. 1.

According to Fig. 1, the information correction file includes card specific information, serial number, correction information type, information parameter, and inspection unit. Of course, other information other than the above-described information may be included in the information modification file, and if necessary, some of the above-described information may be excluded.

Card specific information corresponds to unique information related to a card including a card number, and consists of 4 bytes. The serial number refers to the order of the information correction files when generating a plurality of information correction files for a specific card. That is, in the case of generating three information correction files for a specific card, each information correction file has a serial number 1 to serial number 3, and is composed of one byte.

The correction information type refers to the type of information requested for the card, and consists of 1 byte. As an example, it is assumed that the exchange request is set to '1', the request to be included in the positive list is set to '2', and the request to be included in the blacklist is set to '3'.

The information parameter records the exchange unit, change time, and exchange rate information of the country to be changed. The exchange rate recorded in the information parameter may be an exchange rate corresponding to any one of various time points. For example, the exchange rate at the time when the user registers the information and the exchange rate at the time of generating the information correction file correspond to this. The checker checks whether a corresponding file is in error at the receiving end, that is, whether the data is valid and consists of 4 bytes.

Of course, the size of each information constituting the information correction file may vary depending on the size of the information correction file or the type of information included.

2 illustrates an exchange system using an information modification file according to an embodiment of the present invention. Hereinafter, the exchange system using the information modification file according to an embodiment of the present invention will be described in detail with reference to FIG. 2.

According to FIG. 2, the exchange system includes a transmission center 200, a currency exchange terminal 202, and a card 204. Of course, other configuration may be included in addition to the above-described configuration.

The user enters currency exchange information by accessing the web using a PC or a smartphone. When the user has a plurality of cards, the user selects a specific card and inputs currency exchange information. Currency exchange information includes the country of entry and the date of entry.

The transmission center 200 generates an information correction file for each card using the received exchange information. As described above, since the exchange request is made to be set to '1', the transmission center 200 sets the correction information constituting the information correction file of the card requesting the exchange to '1', Stores country and time in information parameters.

The transmission center 200 transmits the information correction file list generated at regular time intervals to the currency exchange terminal. The transmission center 200 may transmit a list of information modification files to the exchange terminal 202 installed for each country. Alternatively, the transmission center 200 may classify the list of information correction files for each country requesting currency exchange and transmit the list of information correction files classified for each country requesting real currency exchange. In this way, it is possible to prevent the exchange terminal 202 from receiving and processing an unnecessary information correction file list.

As described above, the transmission center 200 may transmit the information correction file list to all the exchange terminals 202 once a day or transmit the information correction file at a set time interval.

The exchange terminal 202 stores the received information correction file list.

The exchange terminal 202 monitors in real time whether a particular card 204 approaches within a recognizable range. When a particular card approaches the recognizable range, necessary information is read from the card 204. In connection with the present invention, the exchange terminal 202 reads out the card specific information of the card 204.

The exchange terminal 202 checks whether there is an information modification file that contains the same information as the card unique information read out. If there is an information modification file including the same information as the card-specific information read out, the exchange terminal 202 requests the card to exchange the amount of money stored in the card 204 according to the exchange rate. That is, the exchange rate terminal 202 reads out the currency code and the country code from the user information field in the card and exchanges the amount using the stored exchange rate information.

The exchange rate information used to exchange money in the currency exchange terminal 202 may be provided in various ways. That is, when the exchange terminal 202 is connected to the exchange rate providing server online, the exchange terminal 202 receives the exchange rate in real time and exchanges the exchange rate. If the currency exchange terminal 202 is not connected to the exchange rate providing server, it receives exchange rate information at a specific time and exchanges the money. That is, the exchange rate information at the time when the user requests a currency exchange from the transmission center 200 may be used, or the exchange rate information at the time of providing the information modification file list from the transmission center 200 to the exchange terminal 202 may be used. Of course, the exchange terminal 202 may be provided with exchange rate information of various points in addition to the above point.

The exchange terminal 202 stores the processing details by the information correction file and transmits the processing details to the transmission center 200 at regular time intervals. The transmission center 200 stores the received processing details and, if necessary, deletes the processed information correction file. That is, the transmission center 200 retransmits the unprocessed information correction file at the next information correction file list transmission time, and does not transmit the processed information correction file at the next information correction file list transmission time.

Card 204 also stores information in the card that the exchange is complete.

3 illustrates a country code and a currency code stored in a card according to an embodiment of the present invention.

According to FIG. 3, the card is set to Korea among various country codes such as Korea, English, and China, and is set to won among various currency codes such as won, dollar, and euro.

Currency exchange terminals that can pay in dollars will not be able to make payments with cards that have been set up in won. Therefore, the exchange terminal reads the amount stored in won units on the card and exchanges the amount in dollars that can be settled. As described above, the exchange terminal performs exchange using real-time or stored exchange rate information. The exchange terminal stores the exchanged amount in the card. In this way, the user can use in a plurality of countries where the monetary units using one card are different.

4 illustrates in detail an operation performed between a card, a currency exchange terminal, and a transmission center according to an embodiment of the present invention. Hereinafter, an operation performed between a card, a currency exchange terminal, and a transmission center according to an embodiment of the present invention will be described in detail with reference to FIG. 4.

In step S400 the card approaches within the range that can be recognized by the exchange terminal.

In step S402, the exchange terminal reads the information recorded in the card. In particular, in connection with the present invention, the exchange terminal reads information recorded in a specific field. The specific field is a field in which card specific information is recorded.

In step S404, the exchange terminal checks whether there is an information modification file including the same card-specific information as the read information. If the verification result includes the same unique information as the unique information of the card, and there is an information modification file, the exchange processing process, which is a request made by the information correction file, is performed.

In step S406, the exchange terminal and the card store details of the exchange process.

In step S408, the exchange terminal transmits the exchange processing details to the transmission center.

In step S410 the transmission center stores the received processing history, if necessary to delete the processed information correction file.

5 illustrates a structure of a currency exchange terminal according to an embodiment of the present invention. Hereinafter, the structure of a currency exchange terminal according to an embodiment of the present invention will be described in detail with reference to FIG. 5.

According to the present invention, the currency exchange terminal 202 is the card reader 500, the charge collector 502, the control unit 504, transaction history storage unit 506, information correction file list storage unit 508, exchange rate storage The unit 510 includes a communication unit 512.

The information correction file list storage unit 508 stores the information correction file list transmitted from the transmission center 100. As described above, the information included in the information modification file includes a request for exchange of cards, a black list and a positive list, a change in class, and a charge.

The transaction history storage unit 506 stores a transaction history performed between the card and the card terminal. In connection with the present invention, the transaction history storage unit 506 stores the details of changing the information as requested by the information correction file in the card included in the information correction file list according to the request of the card terminal. That is, it stores various information modification details of the card, such as the details of the currency change in the card requested to be exchanged, the details of the class change in the card requested to change the class, and the details of the blacklist from the card requested to change the blacklist. .

The exchange rate storage unit 510 stores exchange rates of countries compatible with the transportation card. As described above, the reference time point of the exchange rate stored in the exchange rate storage unit 510 may be one of various time points, such as a time point when a user requests a currency exchange from a transmission center and a time point when the transmission center transmits a list of information modification files to a currency exchange terminal. Can be.

The card reader unit 500 reads the card information and the balance information of the card, and the toll collection unit 502 collects a traffic fee when the balance read by the card reader unit 500 is larger than the traffic fee. Of course, the toll collection unit 502 collects various small fees for the purchase of goods in addition to the transportation fee.

The controller 504 configures the card terminal and controls each component. That is, the controller 504 controls the card reader 500, the charge collector 502, the communication unit 512, and the storage units 506, 508, and 510. In particular, in connection with the present invention, the controller 504 checks whether there is an information modification file including the same information as the card-specific information read from the card read by the card reader. If there is an information correction file including the same information as the card-specific information read out, the controller 504 exchanges the amount of money stored in the card 204 according to the exchange rate and requests that the card be exchanged. That is, the controller 504 reads the currency code and the country code from the user information field in the card and exchanges the amount of money using the stored exchange rate information.

The communication unit 512 communicates with the transmission center. The communication unit receives a list of information correction files from the transmission center and transmits card information in which information is corrected by transaction details and information correction files stored in the card terminal to the transmission center.

In addition, the exchange terminal of the present invention exchanges the amount of money stored in the card with the currency of the corresponding country even if the card having the same country code as the processable country code is within the recognizable range, even if there is no separate information modification file. That is, when a user located in the first country enters the second country, the amount of money stored in the card in the currency of the second country is exchanged using the information correction file. However, when a user enters a country from a second country to a first country, even if there is no information correction file, if the country code stored on the card and the country code that can be processed by the money exchange terminal match, the money exchange terminal is stored in the card. Will be automatically exchanged for the currency of the country. Of course, the exchange terminal stores the above-described processing details and provides them to the transmission center if necessary.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the scope of the present invention .

200: transmission center 202: currency exchange terminal
204: card

Claims (10)

A transmission center for generating, by card, an information modification file for instructing a change of information stored in a card for pre-charging the amount to be paid, and transmitting the card to at least two exchange terminals;
If there is an information correction file that stores the information correction file received from the transmission center and includes the same card unique number as the card unique information received from the accessed card within the recognizable range, the amount and monetary unit stored in the card. A currency exchange terminal for reading a currency code indicating a currency exchange process and converting the currency code into a currency unit indicated by the information modification file;
Providing a stored amount to the currency exchange terminal according to a request of the currency exchange terminal, and storing a money exchanged amount and a currency unit from the currency exchange terminal,
The exchange terminal transmits the details of the exchanged card to the transmission center, and the information correction file includes exchange rate information for the exchange, and collects a charge from the amount charged in the card. Currency exchange system.
The currency exchange system of claim 1, wherein the information modification file includes card-specific information, serial number, information modification type, and verification unit.
The method of claim 2, wherein the currency exchange terminal,
Currency exchange system, characterized in that for reading the country code and the currency code stored in the card.
The method of claim 3, wherein the exchange terminal,
And exchange the amount of money stored in the card by the currency indicated by the information correction file using the read currency code and the exchange rate.
The method of claim 4, wherein the exchange rate used to exchange money in the currency exchange terminal,
The exchange rate at the time of generating the information modification file in the transmission center, the exchange rate at the time of transmitting the information correction file in the exchange terminal, the exchange rate at the time of instructing the transmission center to generate the information correction file, and the exchange rate Exchange system, characterized in that at least one exchange rate of the exchange rate at the time of performing a currency exchange in the terminal.
The method of claim 3, wherein the exchange terminal,
And exchange the amount of money stored in the card into a currency unit that can be processed by the currency exchange terminal if the currency code read out is the same as the currency unit that can be processed by the currency exchange terminal.
A communication unit for receiving an information correction file from the transmission center instructing a change of information stored in a card for precharging the amount to be paid;
A storage unit which stores the information processed using the information correction file and the information correction file received from the communication unit;
If there is an information modification file containing the same card unique number as the card unique information received from the card accessed within the recognizable range, a currency code indicating the amount and currency unit stored in the card is read and indicated in the information correction file. It includes a control unit for currency exchange processing,
The control unit transmits the details of the exchanged card to the transmission center, the information modification file includes exchange rate information for the exchange,
Currency exchange terminal, characterized in that the charge is collected from the charge amount charged in the card.
The method of claim 7, wherein the exchange rate used to exchange money in the currency exchange terminal,
The exchange rate at the time of generating the information modification file in the transmission center, the exchange rate at the time of transmitting the information correction file in the exchange terminal, the exchange rate at the time of instructing the transmission center to generate the information correction file, and the exchange rate Currency exchange terminal, characterized in that at least one exchange rate of the exchange rate at the time of performing a currency exchange in the terminal.
The communication device according to claim 8,
Currency exchange terminal characterized in that for transmitting the details processed by using the information correction file to the outside.
8. The apparatus of claim 7,
And converting the amount of money stored in the card into a currency unit that can be processed by the controller when the currency code read out is the same as the currency unit that can be processed by the controller.

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