KR20020053186A - The method of secure transfer of each electronic cash between on the intelligent network and on the internet, and the telecommunication and internet services using the smart card - Google Patents

Abstract

PURPOSE: A safe electronic money value transfer and smart card service system and method is provided to store electronic money at a smart card or an SCP(Service Control Point) Server according to a request of a user, to transfer the electronic money between the smart card and the SCP server and to enable the user to use the smart card at an off-line transaction i.e. traffic, communication or purchase. CONSTITUTION: The system comprises a smart card(10), a smart card reader(15), a telephone(20), an intelligent network exchanger(40), an SCP server(50), an electronic money server(60), a financial institute(70), and a store(80). The smart card(10) includes an IC chip made of a microprocessor and a memory to enable an access to the internet or intelligent network, and to offer a security or payment tool. The smart card reader(15) plays a role of an interface between the smart card(10) and a personal computer. The telephone(20) embeds the smart card reader(15) and offers a public network and an intelligent network service. The intelligent network exchanger(40) connects the personal computer, embedding an electronic purse program for performing an internet access and an electronic money related service, to a service user and the intelligent network, recognizes a service call to the intelligent network, and notifies a service control server of the service call. The SCP server(50) includes modules to store a service logic and data for managing overall processes of the intelligent service, to store the electronic money and to process the service. The electronic money server(60) generates and manages electronic money according to a request of the user over the internet.

Description

TECHNICAL METHOD OF SECURE TRANSFER OF EACH ELECTRONIC CASH BETWEEN ON THE INTELLIGENT NETWORK AND ON THE INTERNET, AND THE TELECOMMUNICATION AND INTERNET SERVICES USING THE SMART CARD}

The present invention relates to a method for secure mutual value transfer of electronic money in an intelligent network and the Internet, and a method of using an electronic money service using a smart card.

The prepaid electronic money used in the current intelligent network and the electronic money used in the Internet operate independently of each other due to the characteristics of each network, so that the user can use the voice call service in the intelligent network and There is an inconvenience of having to own an independent electronic money for payment of contents transaction service.

The present invention is to solve such a problem, an object of the present invention, by allowing a user with electronic money to store their own electronic money in a smart card or SCP server by using a single electronic money to intelligent network communication services and Internet services The present invention provides a method of providing a secure mutual value transfer of electronic money on the Internet and an intelligent network for providing a safe and convenient service by using a smart card and a service using a smart card.

1 is a system configuration diagram for providing a service using a secure mutual value transfer and smart card of the electronic money in the intelligent network and the Internet of the present invention

2 is a flowchart illustrating a procedure for issuing electronic money and purchasing electronic money by the electronic money issuer.

FIG. 3 is a flowchart illustrating a procedure in which a smart card holder transfers electronic money stored in a smart card to a service control server for service use in a public network.

4 is a flow chart illustrating a procedure for a smart card holder to transfer value of electronic money stored in an electronic money server to a smart card.

FIG. 5 is a flowchart illustrating a service procedure in which a smart card holder receives a communication service through a telephone and pays for it using electronic money stored in the SCP; FIG.

6 is a flowchart illustrating a procedure in which a smart card holder purchases a product through the Internet using a PC and pays the product price in electronic money accordingly.

7 is a flowchart illustrating a procedure in which a smart card holder purchases a product through the Internet using a PC and pays the product price in electronic money accordingly.

<Explanation of symbols for main parts of drawing>

10: smart card 15: smart card reader

20: Telephone 30: PC

40: intelligent network switch 50: service control server

60: electronic money issuing server 70: financial institutions

80: Store 90: Internet

In order to achieve the above object, the present invention provides a smart card, an interface device for accessing a communication service and an Internet service of an intelligent network and a personal smart card which is a storage / payment medium for electronic money, a terminal (telephone, PC) and a smart card. Card reader, phone equipped with smart card reader to provide communication service, personal computer with e-wallet program that allows users to access the Internet and provides Internet service using smart card electronic money, service user The SSP (Service Switch Point) that recognizes and notifies the intelligent network service call with the electronic exchange that connects the intelligent network to the intelligent network, the NO.7 common line signaling network that interconnects the SSP and SCP, and the entire process of intelligent network service processing. Stores the overall service logic and data, and handles the electronic money function of the present invention. SCP (Service Control Point) server, including an electronic money server that issues / manages electronic money so that users can use electronic money on the Internet, allows users to access the Internet, and uses the smart card electronic money to access the Internet. It includes a PC with an electronic wallet program installed to receive the service, a dedicated circuit network for providing secure communication with an Internet electronic money server, and an intelligent network SCP.

In addition, the present invention provides a first step of issuing electronic money that can be used in an intelligent network and the Internet, a second step of drawing the issued electronic money to a smart card or SCP server, and the mutual value of the electronic money of the smart card and the SCP server. A third step of processing the transfer, a fourth step of using the electronic money drawn out to the smart card or the SCP server, and a fifth step of the settlement processing according to the payment for the service using the electronic money.

Hereinafter, a service using method of the present invention will be described in detail with reference to the accompanying drawings.

1 is a schematic diagram of an overall system for implementing the present invention, in which an IC chip having a microprocessor and a memory that provides storage of personal information and electronic money, access to an intelligent network service and an Internet service, and security / payment means is provided. It is equipped with a smart card 10, a smart card reader 15, which is an interface device for data communication between a smart card and a personal computer, and a smart card reader 15 that accommodates a smart card, and provides public network service and intelligent network service. A phone 20 to be connected to the PC, an electronic wallet program embedded with an electronic wallet program for performing Internet access and electronic money related services, and an intelligent network exchanger that connects a service user with an intelligent network, recognizes an intelligent network service call, and notifies SCP of the call. (40) and store the service logic and data that are in charge of the entire process of intelligent network service processing, and store electronic money A server for service control server 50 including a module for processing a service, an electronic money issuing server 60 for issuing and managing electronic money at the request of a user on the Internet 90, and issuing and servicing electronic money. It consists of a financial institution (70) that handles real money for the settlement of payments, and a store (80) that sells physical goods and digital goods based on the Internet (90). , 100 is a dedicated line network connected between the service control server 50 and the electronic money issuing server 60.

When described in detail with respect to the intelligent network and the secure mutual value transfer of electronic money in the Internet and the service using the smart card according to the present invention configured as described above.

First, FIG. 2 illustrates a procedure for issuing electronic money by an electronic money issuer and purchasing electronic money by a user.

The user having the smart card 10 issued by storing various personal information and security information required for the use of electronic money in the present invention is inserted into the smart card reader 15 attached to the PC 30 and the PC ( Through the electronic wallet program that communicates with the smart card storing the electronic money of the present invention installed in 30) and processes various information, an authentication process for confirming the validity of the smart card holder and the smart card is performed (S1).

The user accesses the electronic money server 60 by using an Internet access program (eg, a web browser) installed in the PC 30 and requests the electronic money service (S2).

The electronic money server 60 performs mutual authentication with the electronic wallet program installed in the PC 30 and then performs a mutual authentication process with the smart card attached to the PC 30.

For mutual authentication, the smart card 10 and the electronic money issuing server 60 authenticate the mutual validity using the symmetric key and the asymmetric key security algorithm (S3).

When the mutual authentication in the above process is terminated, the user inputs the electronic money amount as much as he / she desires, and the electronic wallet program encrypts the input money information and transmits it to the electronic money issuing server 60 (S4).

The electronic money issuing server 60 requests the payment of the payment means and the amount of electronic money received according to the user's electronic money purchase request prior to issuing the electronic money (S5).

The user selects the payment method (credit card, bank transfer (internet, PC, telephone, ATM, bank account payment method)), and the selection of payment method for credit card and internet account transfer will issue the user's financial information The electronic money issuing server 60 encrypts and transmits the encrypted data to the server 60 and requests the credit information and the payment authorization to each credit card and the corresponding bank (S6).

In addition, other account transfers (PC, telephone, ATM, bank account deposit) perform a deposit confirmation process through a direct input confirmation to a financial account of an operator operating an electronic money server or an online confirmation method with a financial institution server.

The financial institution that has received the credit card information and the payment deposit confirmation according to the electronic money purchase notifies the electronic money issuing server 60 of the approval result according to the requested information (S7).

For the transaction approved in the above process, the electronic money issuing server 60 issues the electronic money, and the electronic money meets the following characteristics (S8).

That is, the issued electronic money has a unique identification number, and the issued electronic money has security for fraudulent use such as copying, forgery / falsification, dual use, etc. In addition, the personal purchase information is not exposed to the electronic money server, and the electronic money issued once can be divided into circuits until the total amount used is par value, and the issued electronic money has a smart card 10. The mutual transfer between users is possible, and the user can verify the validity of the electronic money by connecting the issued electronic money to the electronic money issuing server 60 online when the user processes payment according to the purchase of the product. Independence digital can be validated without online intervention of the electronic money issuing server 60, the issued electronic money can be transmitted on the network It must exist in the form of information.

The electronic money issuing server 60 securely transmits the issued electronic money to the PC 30 via the Internet 90 network (S9).

The PC 30 stores the received electronic money in the user's smart card 10 using the electronic wallet program and checks the balance (S10).

3 illustrates a procedure in which a smart card 10 holder transfers electronic money stored in a smart card 10 to a service control server 50 for service use in a public network.

First, perform the same authentication process as in step S1 of FIG. The smart card 10 requests the electronic money transfer to the service control server 50 (S12).

The electronic money issuing server 60 performs a mutual authentication procedure with the smart card 10 for the safe transfer of electronic money (S13).

For mutual authentication, the smart card 10 and the electronic money issuing server 60 authenticate the mutual legitimacy using symmetric key and asymmetric key security algorithms.

When the mutual authentication is completed in the above process, the user withdraws from the smart card 10 as much as the desired amount and transmits it securely to the electronic money issuing server 60 (S14).

The electronic money issuing server 60 sets up a cryptographic communication with the service control server 50 for secure transmission of the electronic money (S15).

Electronic money issuing server 60 is converted into electronic money for the use of communication services through the intelligent network, the converted electronic money is different from the electronic money circulated on the Internet (90) and stored in the form of repair information It has a unique correlation with the issued smart card serial number and membership number (S16).

The electronic money issuing server 60 transmits the electronic money from the smart card 10 to the service control server 50 using the set encryption communication protocol (S17).

The service control server 50 checks the received amount information of the electronic money, verifies the smart card serial number and member number of the electronic money user, adds the user's electronic money database, and adds the result to the electronic money. Transfer to the issuing server 60 (S18).

The electronic money issuing server 60 transmits the received result to the user's PC 30, and the user determines whether there is a difference between the amount of the transmitted electronic money and the amount of the confirmed electronic money and the balance of the smart card 10. Check (S19).

4 illustrates a procedure in which the smart card 10 holder transfers the value of electronic money stored in the electronic money issuing server 60 to the smart card 10.

S21 is the same as step S11 of FIG. 3, and the user connects to the electronic money issuing server 60 using a communication program (web browser) installed in the PC 30, and the service control server 50 of the desired amount is provided by the user. The electronic money transfer request to the smart card 10 (S22).

In addition, S23 and S24 are the same as in step S15 of FIG. 3, the electronic money issuing server 60 requests the service control server 50 to withdraw the electronic money corresponding to the user's request amount in the process (S25).

The service control server 50 checks whether the smart card 10 number and the member number of the user match, and withdraws after checking the difference between the balance of the service control server 50 electronic money database and the withdrawal request amount of the user. If the amount is possible, the withdrawal amount is deducted from the electronic money database and is safely transmitted to the electronic money issuing server 60 (S26).

The electronic money issuing server 60 converts the electronic money received from the service control server 50 into electronic money circulating on the Internet 90, which is the same as the process of FIG. 2 for issuing electronic money (S27). .

The electronic money issuing server 60 transmits the changed electronic money to the PC 30 through the network of the Internet 90, and the user compares and confirms the amount of the electronic money with the required amount of withdrawal (S28).

Step S29 is the same as step S10 of FIG. 2.

5 illustrates a service procedure in which a smart card holder receives a communication service through a telephone and pays for the payment using an electronic money stored in the SCP 50.

First, in order to use a communication service (voice communication, 700 service, etc.), the telephone 20 equipped with the smart card reader 15 justifies the user and the smart card 10 with respect to the inserted smart card 10. Authenticate (S31).

The phone 20 reads user information from the smart card 10 and connects to the intelligent network switch 40 to request validity verification of the user and the smart card (S32).

The intelligent network switch 40 receiving the authentication request for the user requests authentication stored in the service control server 50 through the NO.7 signal network 45, and the service control server 50 stores the smart data stored in the electronic money database. It is checked whether the card, member number, password, etc. match, and the balance of the electronic money database is read to determine whether communication is possible (S33).

The service control server 50 guides and sends the user whether the electronic money balance stored in the electronic money database (S34).

The user inputs a phone number to be provided by the user (S35) and provides a call service (S36).

After ending the call due to the hook-on of the user or the counterpart (S37), the intelligent network switch 40 transmits the information (billing information, called number,) of the service of the provided communication to the service control server 50 (S38). .

The service control server 50 reduces the electronic money balance of the electronic money database by the amount of use based on the received user information and billing information (S39).

6 illustrates a procedure in which a smart card holder purchases a product through the Internet using the PC 30 and pays the product price in electronic money accordingly.

First, step S41 is the same as step S1 of FIG. 2.

The user accesses the shop 80 of his / her choice using a communication program (web browser) installed on the PC 30, where the web server of the shop 80 and the web browser of the PC 30 are passwords through mutual authentication. Communication is set (S42).

At this time, the shop 80 is provided with a separate electronic wallet program for smart card electronic money payment processing.

The user searches for the desired product information and delivers the order information to the store 80 (S43), and the store 80 requests payment for the ordered product information (S44).

The installed electronic wallet program of the PC 30 communicates with the smart card 10 inserted in the smart card reader 15 according to the payment request and performs a mutual authentication procedure with the electronic wallet program of the shop 80 (S45). .

In addition, the electronic wallet program of the shop 80 confirms whether the balance of the smart card 10 (S46).

The electronic wallet program installed in the PC 30 withdraws the electronic money as much as the commodity price to the smart card 10 and transmits it safely to the store 80 (S47).

The store 80 receiving the electronic money requests online verification to the electronic money issuing server 60 to verify the validity of the electronic money (S48).

The electronic money issuing server 60 verifies the validity of the electronic money and transmits the result to the shop 80 (S49).

The store 80 receiving the authentication result for the electronic money transmission transmits it to the PC 30 through the Internet 90 (S50).

The user stores the transaction details in the smart card 10 of the user mounted on the PC 30 with respect to the received result (S51), and the store 80 delivers the user's product (S52).

7 illustrates a procedure in which a smart card holder purchases a product through the Internet using the PC 30 and pays the product price in electronic money accordingly.

The shop 80 sets up cryptographic communication for transaction history transmission with the electronic money server 60 (S61), and transmits the transaction history to the electronic money issuing server 60 using the electronic money (S62).

The electronic money issuing server 60 verifies the received electronic money transaction history and electronic money, and at this time, after verifying whether the electronic money is forged / modulated and double-used (S63), the transaction history is stored for each store according to the verified transaction history. Settlement (S64).

The transaction transaction settled by stores is transmitted to the financial institution 70 through a secure leased network to request a transaction transfer (S65).

Therefore, the financial institution 70 transfers the money to the account of the store and the electronic money issuer according to the transaction information settled (S66).

As described above, the present invention can safely and conveniently use a communication service and an Internet service using a smart card, and optionally store the issued electronic money in a smart card or SCP server according to a user's request. Electronic money can be safely and conveniently transferred from smart card to SCP server and from SCP server to smart card, and the stored smart card can be easily used for offline transactions such as traffic, communication, product purchase, etc. in real environment. It works.

Claims (2)

A smart card with an integrated IC chip having a microprocessor and memory for providing access and security / payment means for intelligent network services and Internet services; A smart card reader, an interface device for data communication between a smart card and a personal computer, A telephone equipped with a smart card reader that accommodates smart cards and providing public network services and intelligent network services; An intelligent network exchanger that connects a personal computer with an electronic wallet program that performs Internet access and electronic money related services to a service user and an intelligent network, recognizes an intelligent network service call, and notifies the service control server to the service control server. A service control server server that stores service logic and data that manages the entire process of intelligent network service processing, and includes a module that stores electronic money and processes services; An electronic money server for issuing and managing electronic money at the request of users on the Internet; Financial institutions that handle real money for the issuance of electronic money and settlement of service charges; A service system using a secure mutual value transfer of electronic money and an electronic money on the Internet and a smart card, comprising a store selling physical goods and digital goods based on the Internet. The first step of issuing electronic money that can be used in the intelligent network and the Internet; A second step of withdrawing the issued electronic money to a smart card or a service control server; The third step of processing the electronic money mutual value transfer between the smart card and the service control server; A fourth step of using the electronic money drawn out to the smart card or the service control server; A secure method of mutual value transfer of electronic money in an intelligent network and the Internet, and a service method using a smart card, comprising a fifth step of settlement processing according to payment for a service using electronic money.