KR20150127947A - Method of providing integrated-processing of electronic cash transaction for multiple formats of RF cards using NFC function of smart terminals, and computer-readable recording medium for the same - Google Patents

Abstract

The present invention relates to a technology for integrated-processing of electronic money transactions (recharging and payment) by RF cards (plastic RF cards) in various electronic money formats, by using a NFC function of a general smart device. More specifically, an online recharging and payment server equipped with secure application modules (SAM) of multiple electronic money companies is installed to mediate between the electronic money companies and RF cards. After the online recharging and payment server deposits a certain amount of money from each of the electronic money companies, the online recharging and payment server manages recharging of the RF cards with electronic money, identifies an electronic money format in each payment event, and acts as proxy in processing the payment and settlement corresponding to the format. Therefore, the technology of the present invention enables integrated-processing of electronic money transactions, such as electronic money recharging or electronic money payment, generated by the RF cards adopting different electronic money formats through the NFC function of the smart device.

Description

TECHNICAL FIELD The present invention relates to an integrated electronic money transaction processing method of a multi-format RF card using an NFC function of a smart terminal and a computer readable recording medium therefor. , and computer-readable recording medium for the same}

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention generally relates to a technology for integrally processing electronic money transactions (charge charging, payment settlement) for RF cards (plastic RF cards) of various electronic money formats using the NFC function of smart terminals. More particularly, the present invention relates to an electronic payment server that includes a security module (SAM) of a plurality of electronic money companies and installs an online charge server that mediates electronic money and an RF card, and after an online charge server deposits a predetermined amount from each electronic mortician, It is possible to manage the charging of the electronic money of the RF card within the limit, identify the electronic money format of each payment event, and perform the payment processing corresponding thereto, so that the various RF cards adopting different electronic money formats The present invention relates to a technology for integrally processing electronic money transactions such as electronic money charging and electronic money payment settlement.

Recently, electronic cash (electronic money) has become popular. Electronic money is a new means of money that replaces cash in the information society as an electronic payment means that stores value in the form of electronic information (electronic data) and can be used to purchase goods or services. Unlike credit cards (postpaid), which is a concept of borrowing money on the basis of credit, electronic money is pre-paid in the form of cash or money transfer, etc. to be.

Electronic money is divided into IC card type (chip card, smart card, intelligent card) and network type according to the value storing method. The IC card type electronic money charges electronic information corresponding to cash in an integrated circuit (IC) chip mounted on a plastic RF card and inserts the card into the terminal every time a transaction occurs. To use IC card type electronic money, IC cards are issued from a card issuer of a certain brand and used repeatedly while recharging. The transportation card, which is a typical means of payment for public transportation, is IC card type electronic money. The network type electronic money stores electronic information corresponding to cash in a storage medium of a computer and uses it for various payment transactions on the Internet. When a user transfers a certain amount of money from the account of the bank to the account of the electronic money issuer installed in the Internet, the money is transferred to the account of the seller each time the payment is made.

Prepaid electronic money is currently being applied most actively in the field of transportation cards. Transportation cards are a convenient means of paying for public transportation such as buses and subways. In recent years, they can be utilized in toll roads, highway rest areas, etc., and function as substantial electronic money.

Prepaid transportation cards must be pre-charged at cash dispensers at bus stops, subway stations, and highway rest areas. Currently, the traffic card issuance system and the charge charging infrastructure are closed for each card issuer, so that the charge can be charged at the charge terminal operated by the card issuer, and the charge at the charge terminal operated by a different card issuer can not be charged .

1 is a view conceptually showing an electronic money transaction processing system of a plastic RF card according to the prior art. The RF cards 110, 120, and 130 for the electronic money operate their own infrastructures 310, 311, 320, 321, 330, and 331 ) Can only charge electronic money.

Such a closed structure is inevitable in the process of commercialization of the related technology in the early stage, but the electronic money has been maintained to some extent, and the user is experiencing considerable inconvenience. That is, the user can not escape the hassle of searching for the charge charging terminals 311, 321, and 331 operated by the electronic money company that issued the RF cards 110, 120, and 130 owned by the user. Although electronic money is already in charge of money as a substitute for cash and it is expected that such trends will gradually expand in the future, the fact that electronic money has been maintained as a closed cash alternative There is a difficulty in becoming.

In order to solve such troublesomeness, all electronic money charging terminals (311, 321, 331) must be installed for each electronic money charging station operated by the offline operation. However, how to raise the investment cost is a problem. Especially, since electronic money charging stations are mostly small-sized shops, there is no room for installing a plurality of charge charging terminals.

Accordingly, there has been a great demand in the related art for a technique of solving the inconvenience of a user in such a plastic RF card type electronic money and expanding the electronic money market through it.

1. Korean Patent Application No. 10-2012-0109997 entitled "Terminal for mobile signature (authentication) using NFC and mobile settlement service (credit, coupon, point)

2. Korean Patent Application No. 10-2006-0055269 "Transportation card payment and charging system and method thereof"

3. Korean Patent Application No. 10-2009-0092333 entitled "Rechargeable Transportation Card Using Mobile Communication Terminal"

4. Korean Patent Application No. 10-2010-0014132 entitled " Automatically Charging a Traffic Card Based on an Electronic Passbook "

5. Korean Patent Application No. 10-2011-0136861 entitled "Traffic card module, terminal for charging the same, and control method thereof"

6. Korean Patent Application No. 10-2013-0082154 entitled "Mobile Card Payment Device Using NFC Tag and Payment System Including the Device"

7. Korean Patent Application No. 10-2011-0113618 "Method and System for Operating Security Application Module for Mobile NFC Payment and Recording Medium therefor"

8. Korean Patent Application No. 10-2011-0126608 entitled " Payment System and Method for Performing Non-Contact Payment Using an NFC Card "

9. Korean Patent Application No. 10-2012-0097698 "Card Payment System and Method Using Tablet Mobile Communication Device"

SUMMARY OF THE INVENTION It is an object of the present invention to provide a technology for integrally processing an electronic money transaction (charge, payment, payment) for an RF card (plastic RF card) of various electronic money formats using the NFC function of a smart terminal. In particular, an object of the present invention is to provide an online charging server that includes a security module (SAM) of a plurality of electronic money players and mediates electronic money and an RF card, and after an online charging server deposits a predetermined amount from each electronic mortuary, It is possible to manage the charging of the electronic money of the RF card within the limit, identify the electronic money format of each payment event, and perform the payment processing corresponding thereto, so that the various RF cards adopting different electronic money formats And to provide a technology for integrally processing electronic money transactions such as electronic money charging and electronic money payment settlement.

According to another aspect of the present invention, there is provided a method for integrally processing an electronic money transaction for an RF card of various electronic money formats using an NFC function of a smart terminal, A first step of setting a security module; A second step of NFC connection of the smart terminal with the RF card and transmitting an electronic money transaction request to the RF card to an online charge payment server; The online charge payment server identifies the electronic death of the RF card requested for electronic money transaction and performs the requested electronic money transaction to the RF card through data communication with the built-in security module corresponding to the identified electronicization deadline A third step; And a fourth step of the online charging server transmitting the electronic money transaction result data to the server of the identified electronic money money.

In the present invention, the electronic money transaction request transmitted by the smart terminal is an electronic money charging request. In the first step, the online charging server connects to a plurality of electronic mortar servers to deposit an electronic value in the built- And a third step, wherein the online charging server identifies the electronic death of the RF card for which the electronic money charging has been requested, and transmits to the built-in security module corresponding to the identified electronicized mortuary the electronic money from the deposited electronic value And charging the RF card with the electronic money.

At this time, step 3A is a step of the online charging server receiving the electronic money charging request from the smart terminal. Acquiring identification information of the NFC-connected RF card from the smart terminal; The online recharging payment server identifies the electronic dead end of the RF card from the identification information of the RF card and sets it as the electronic money subject to be charged; Identifying a built-in security module corresponding to the electronic processing mortuary subject to charge processing by the online charge payment server; The on-line recharge payment server processing the security authentication process for electronic money charging to the RF card through the identified embedded security module; And the online recharge payment server providing electronic money charging for the RF card from the electronic value deposited in the identified embedded security module.

In the present invention, the electronic money transaction request is an electronic money payment request. In the first step, the smart terminal makes an NFC connection with the RF card in response to a specific payment event, and transmits an electronic money payment through an RF card And the third step comprises: an online recharging payment server for identifying an electronic remainder of the RF card for which the electronic money payment is requested and for sending an embedded security module corresponding to the identified electronic reaper And a third step of performing payment processing for the payment settlement event from the electronic money charged in the RF card through the third step.

In this case, step 1B includes: a step in which the payment management server receives identification information of the smart terminal and a selection input of NFC connection RF card payment from the user in connection with the payment payment event; The payment management server transmitting payment payment information to the smart terminal for the payment payment event; Receiving payment information from the smart terminal; And transmitting the electronic money payment request for the RF card connected to the NFC to the online charging server by the NFC connection with the RF card of the smart terminal.

At this time, step 3B includes: an online charging server receiving an electronic money payment request from a smart terminal; Acquiring identification information of the NFC-connected RF card from the smart terminal; The online recharging payment server identifies the electronic dead end of the RF card from the identification information of the RF card and sets it as an electronic money to be processed; Identifying an embedded security module corresponding to an electronic mortuary subject to settlement processing by the online charge payment server; The online charge payment server processes the security authentication process for electronic money payment settlement for the RF card through the identified embedded security module; And an online charging server configured to perform a payment processing from the electronic money charged in the RF card to an external payment management server for payment settlement events.

Meanwhile, a computer-readable recording medium according to the present invention records a program for executing an integrated electronic money transaction processing method of a multi-format RF card using the NFC function of a smart terminal as described above.

According to the present invention, only by installing the corresponding electronic money application in the smart terminal without providing a terminal for each type of electronic money, it is possible to charge electronic money or electronic money Electronic money transactions such as settlement can be achieved.

In addition, according to the present invention, when electronic money is charged or electronic money payment is performed, a part of processing in real time in cooperation with a server of the electronic money company is largely eliminated to shorten the processing time of the electronic money transaction, Even if a malfunction of the company's system occurs, the stability of the entire electronic money transaction processing system can be maintained.

In addition, according to the present invention, the user of the RF card can charge the electronic money anytime and anywhere with only the smart terminal without having to go to the offline charging / payment infrastructure, There is an advantage. In particular, it is possible that the user of the RF card and the owner of the smart terminal may be different, so that it is possible for the parent to charge the child's transportation card or to provide a small charge to the transportation card for the person who needs urgent help.

In addition, according to the present invention, a business model for charging electronic money through event coupons or gift coupons widely used in the field of smart phones is also possible, thereby providing various additional services.

1 is a diagram conceptually showing an electronic money transaction processing system of an RF card according to the prior art,
FIG. 2 and FIG. 3 are diagrams showing a general appearance in which an electronic money transaction is performed by connecting an RF card to a smart terminal through an NFC;
4 is a conceptual view of an integrated electronic money transaction processing system of a multi-format RF card according to the present invention,
5 is a flowchart showing an overall process of an integrated electronic money transaction processing method of a multi-format RF card according to the present invention;
6 is a flowchart showing an electronic money charging procedure in the integrated electronic money transaction processing method of the multi-format RF card of the present invention,
FIG. 7 is a flowchart showing an electronic money payment request process in the integrated electronic money transaction processing method of the multi-format RF card of the present invention;
8 is a flowchart showing an electronic money payment processing procedure in the integrated electronic money transaction processing method of the multi-format RF card of the present invention.

Hereinafter, the present invention will be described in detail with reference to the drawings.

2 and 3 illustrate a general configuration that can be conceived when a system for performing an electronic money transaction is constructed by connecting the smart terminal 200 and the RF card 100 through an NFC.

As information and communication technology has developed in recent years, smart terminals including smart phones and smart pads are spreading explosively. Such a smart terminal is a product developed for the purpose of searching for the Internet, checking the schedule, playing games while the user is carrying it, and recently, it has been actively tried as a payment means. As a technology to utilize smart terminals as a payment method, it is common to install SmartWallet software for online transactions at present.

However, the present invention relates to a method of performing electronic money transactions such as charge charging or payment payment by connecting a plastic RF card to a smart terminal through Near Field Communication (NFC). At this time, it is possible to implement all of the charge charging and payment settlement, or a product that implements only one of them. Currently, smart terminals are equipped with many NFC functions, and this NFC function provides a basic interface to plastic RF cards.

In view of the fact that many plastic RF cards and smart terminals supporting the NFC function have been widely used in accordance with their respective purposes, Applicants have proposed a method of performing an electronic money transaction by connecting a smart terminal and an RF card through the NFC function Could be used well in the future. Accordingly, the present applicant has proposed a method of providing a linked online card service using a hybrid smart card and a computer readable recording medium therefor (Korean Patent Application No. 10-2014-0041911 filed on 2014.04.08, priority date: 2013.11.15 ) Has proposed a technology for connecting smart terminals and plastic RF cards to NFC communication for use in financial transactions.

The present invention is a technology for charging electronic money to the RF card 100 or performing electronic money payment by combining the smart terminal 200 with NFC technology.

Referring to FIG. 2, an electronic money application installed in the smart terminal 200 is activated to display an electronic money transaction type (charge charging, payment settlement) and a transaction amount on the UI screen of the electronic money application according to the user's intention And then performs NFC tagging while the RF card 100 is brought close to the smart terminal 200. [ The security module built in the smart terminal 200 receives the permission for the electronic money transaction from the electronic mortuary server 300 at the remote site and performs the electronic money transaction with the RF card 100. [ Then, the electronic money application provides the electronic money transaction result to the electronic mortuary server 300 so that related data is managed.

The manner of achieving the electronic money transaction by connecting the smart terminal 200 and the RF card 100 through the NFC is not limited to FIG. 2 but may be variously implemented. As shown in FIG. 3, it is also possible to perform an electronic money transaction by tagging the RF card 100 based on the permission of the electronic money transaction from the electronic mortuary server 300 in the electronic money application .

4 is a diagram conceptually showing an integrated electronic money transaction processing system of a multi-format RF card according to the present invention. Referring to the drawings, an integrated electronic money transaction processing system according to the present invention includes a plurality of electronic mortar servers 310, 320 and 330, a smart terminal 200, a plurality of RF cards 110, 120, and 130, a payment management server 500, and a charge management server 600 are connected. At this time, in consideration of the object of the present invention, it is assumed that the electronic money format of different electronic money companies is technically incompatible as described above with reference to FIG.

The electronic mortar servers 310, 320, and 330 are servers operated by an issuer (i.e., 'electronic mortgage company') of a plastic RF card for electronic money to manage electronic money transactions. Each electronic mortgage company defines technical specifications And performs charging and settlement of electronic money. In particular, security authentication algorithms and security system environment variables (environment variables of public key encryption algorithms) for securing the stability of the electronic money transaction are applied to each electronic company independently, so that they are not compatible with each other.

Each of the RF cards 110, 120, and 130 is a plastic RF card for electronic money issued by each company. The electronic money transaction can be performed in correspondence with the electronic mortar servers 310, 320, and 330 operated by the electronic mortgage company. As described above with reference to FIG. 1, in the prior art, Electronic money transaction.

The smart terminal 200 may include an NFC function as a mobile smart device such as a smart phone or a smart pad and may be connected to the RF cards 110, 120, and 130 through an NFC, and may be connected to a broadband mobile And may be connected to the network to connect to the online charging server 400 or the charging management server 600. Most recently released smart phones such as the G2 phone of LG Electronics and the Galaxy S of Samsung Electronics can function as the smart terminal 200 of FIG. In addition, the smart terminal 200 may be provided with e-cash android applications to perform integrated electronic money transaction processing according to the present invention.

The online charging server 400 is a device that mediates the electronic mortar servers 310, 320 and 330 and the smart terminal 200 according to the present invention and includes a plurality of built-in security modules (A, B, C) 410, 420, and 430, respectively. That is, the company A security module 410 is provided for the electronic commerce company A, the company B security module 420 is provided for the electronic commerce company B, and the company C security module 430 is provided for the electronic commerce company C. The built-in security modules 410, 420, and 430 are configured in accordance with the technical specifications specified by the corresponding electronic commissioners, and are connected to the corresponding electronic mortared servers 310, 320, and 330 through the security authentication process As well as deposit and settle the electronic value (electronic money). Each of the electronic mortgages A, B, and C may be provided with a security module and provided as a package together with a software interface (API), and the online electronic payment server 400 may be implemented to operate them in a black box form. On the other hand, if all the electronic money companies disclose technical specifications and provide security system environment variables, they can also develop the security modules 410, 420, and 430 integrally.

The payment management server 500 is a device that mediates payment processing when a user wishes to perform payment processing using an RF card 110, 120, or 130 in an online shopping mall or a mobile shopping mall.

The charging management server 600 may charge the charging fee to the RF cards 110, 120, and 130 by credit card payment or other means (e.g., credit of the smartphone user, specific charging point) It is a device that mediates payment of the charge fee when paying through. In the above-described prior art with reference to FIG. 1, a user visits an off-line charging station and mainly pays cash to charge the electronic money. However, since the present invention considers the case where the user directly accesses the smart terminal 200 to access the electronic cash without visiting the offline charging station, the charging management server 600 is required at this time.

5 is a flowchart showing the overall process of the integrated electronic money transaction processing method of the multi-format RF card according to the present invention. Hereinafter, the integrated electronic money transaction processing process of FIG. 5 will be described with reference to the overall system configuration of FIG. In the present specification, for ease of explanation, a description will be made on the assumption that the user performs the electronic money charging and the electronic money payment using the RF card 110 of the electronic commerce company A. Even in the case of using the RF cards 120 and 130 of other electronic money companies, the following description can be applied in the same manner.

Step S110: The online charging server 400 connects to the plurality of electronic mortar servers 310, 320, and 330 to deposit the electronic value in the built-in security modules 410, 420, and 430 for each electronic mortgage company. The online charging server 400 has a plurality of built-in security modules 410, 420, and 430 matched for each of the electronic commodities A, B and C, And perform the authentication process to deposit the electronic value. At this time, it is preferable to manage the electronic value for each electronic company. For example, if the electronic mortgage A server 310, the electronic mortgage B server 320, and the electronic mortgage C server 330 deposit 1 million won, 2 million won, and 3 million won, respectively, the online charge payment server 400 adds them The company A security module 410 manages 1,000,000 won, the company B security module 420 manages 2,000,000 won, and the company C security module 430 manages 3,000,000 won as deposits.

Step S120: Thereafter, the smart terminal 200 establishes NFC connection with a specific RF card (e.g., RF card 110 of A company) among the various RF cards 110, 120, and 130 and transmits it to the online charging server 400 And transmits an electronic money charging request of a specific amount (e.g., 30,000 won) to the corresponding RF card 110. [ In reality, when an electronic money application installed in the smart terminal 200 is executed while the RF card 110 of the A company is brought close to the smart terminal 200, the user can operate the electronic money application on the UI of the electronic money application, The currency charging function will be activated.

Step S130: Upon recognizing the electronic money charging request transmitted from the smart terminal 200, the online charging server 400 identifies the electronic mortuary (company A) of the RF card 110 for which the electronic money charging is requested And charges the RF card 110 with electronic money of 30,000 won from the deposited electronic value (for example, 1 million won) in the A-company built-in security module 410 corresponding to the identified electronicized mortalities. At this time, the electronic money application of the smart terminal 200 mediates the electronic money charging process between the online charging server 400 and the RF card 110. As a result, the electronic money of 30,000 won is electronically charged in the RF card 110, and the deposit managed by the security company A built-in company 410 is reduced to 970,000 won.

At this time, the owner of the smart terminal 200 has to pay the amount of 30,000 won corresponding to the electronic money charge by smart phone credit settlement, cash, account transfer, accumulation point, credit card, etc., Responsible for the payment process. Since the owner of the smart terminal 200 pays a fee in various situations such as mobile shopping, the process performed by the charge management server 600 is not described in detail here.

On the other hand, when the charge management server 600 outputs a failure result in the cost settlement process, it is preferable that the online charge payment server 400 rejects the electronic money charge request related to the charge settlement.

In step S140, when a specific payment settlement event occurs for the purchase of goods or services, the smart terminal 200 transmits the payment to the RF card 110 NFC and sends an electronic money payment request to the online charge payment server (400).

When a user wants to pay a price after receiving a specific article or service from an online shopping mall or a mobile shopping mall, for example, by providing the identification information (e.g., telephone number) of the smart terminal 200 in FIG. 4, . Accordingly, the payment management server 500 transmits information on a specific payment settlement event to the smart terminal 200, and the smart terminal 200 identifies the corresponding payment settlement event. In the present invention, an electronic money charged in the RF card 110 is processed through the above process to process the payment settlement. To this end, the smart terminal 200 makes an NFC connection with the RF card 110 and transmits an electronic money payment settlement request to the online charge payment server 400.

Step S150: Upon receipt of the payment settlement request from the smart terminal 200, the online charge payment server 400 performs an electronic money payment process through a process similar to the process performed in the charging process. That is, the online charging server 400 identifies the electronic signature A of the RF card 110 requested for electronic money payment and transmits the identification information to the RF card 110 through the embedded security module 410 corresponding to the identified electronic signature A, Payment processing for the payment settlement event from the electronic money (that is, 30,000 won)

In the foregoing, the integrated electronic money transaction processing method according to the present invention has been described in its entirety. Hereinafter, individual steps according to the present invention will be described in more detail with reference to [Figure 6] to [Figure 8].

6 is a flowchart showing a procedure for charging electronic money to a specific RF card 110 in the integrated electronic money transaction processing method of the multi-format RF card of the present invention. [FIG. 6] And corresponds to steps S120 and S130 in the entire process.

Step S210: The smart terminal 200 establishes NFC connection with the RF card 110 of the A company among the various RF cards 110, 120 and 130 and transmits the NFC connection to the RF card 110 And sends an electronic money charging request of a specific amount (e.g., 30,000 won). More specifically, when the electronic money application installed in the smart terminal 200 is executed while the RF card 110 of the A company is brought close to the smart terminal 200, the user can operate the electronic money application on the UI of the electronic money application, The electronic money charging request is transmitted to the online charging server 400. [

Step S220: The online charging server 400 receives the electronic money charging request of a specific amount (e.g., 30,000 won) from the smart terminal 200. [

Steps S230 and S240: The online recharging payment server 400 first identifies the NFC-connected RF card 110 from the smart terminal 200 and identifies the electronic death of the RF card 110 based on the identification result And sets the electronic money to be charged. In this embodiment, the electronic money company A of the RF card 110 is set as the electronic money to be charged.

Steps S250 and S260: The online recharging payment server 400 identifies the built-in security module 410 to correspond to the above-mentioned electronic processing subject to charge processing set up above, and transmits the embedded security module 410 to the RF card 110 via the embedded security module 410 And processes the security authentication process for electronic money charging. Since the authentication process for electronic money charging can be applied to the technical specifications of each electronic mortar as described above with reference to FIG. 1, detailed description thereof will be omitted herein. At this time, the process of paying for electronic money charging through the charge management server 600 can be processed. For example, when the user pays the electronic money charging cost with the credit card, the charge management server 600 processes the card settlement in cooperation with the credit card company server (not shown).

Step S270: Upon completion of the authentication process for charging the electronic money, the online charging server 400 transmits the electronic value pre-deposited to the identified embedded security module 410, that is, the company A security module 410 (E.g., 30,000 won) to the RF card 110 from the service provider (for example, 1 million won). As the electronic money of 30,000 won is charged in the RF card 110, the deposit managed by the company A built-in security module 410 is reduced to 990,000 won.

Step S280: Then, the online charge payment server 400 transmits the electronic money charge result data to the server 310 of the electronic money company to be charged, so that each electronic money person can manage the electronic money data.

FIG. 7 is a flowchart illustrating a procedure for requesting payment settlement using electronic money charged through the above-described procedure in the integrated electronic money transaction processing method of the multi-format RF card of the present invention. 7 is a process corresponding to step S140 in the overall process shown in FIG. 5.

Step S310: First, the payment management server 500 receives the identification information of the smart terminal 200 and a payment means selection input of the NFC connection RF card payment from the user in association with the specific payment payment event. In a preferred embodiment of the present invention, when a user wants to pay a price (e.g., 20,000 won) after purchasing a specific item or service in an online shopping mall or a mobile shopping mall, While inputting information (e.g., a telephone number), select a payment method option called " NFC connection RF card payment ".

Steps S320 and S330: The payment management server 500 transmits payment payment information to the smart terminal 200 for the payment event of 20,000 won. Payment information may be transmitted in the form of a message (text message, multimedia message), or payment payment information may be transmitted as transmission / reception data uniquely used in the electronic money application. Accordingly, the smart terminal 200 receives the payment payment information and informs the user through the UI screen.

Step S340: This embodiment attempts to achieve settlement of payment of 20,000 won for purchase of goods / services using electronic money of 30,000 won charged to the A company RF card 110 through the above process. Accordingly, the user connects the smart terminal 200 and the RF card 110 to perform NFC connection and operates the electronic money application. In response, the smart terminal 200 transmits the NFC-connected RF And transmits an electronic money payment settlement request to the card 110.

FIG. 8 is a flowchart showing a procedure for processing a payment using an electronic money charged in the integrated electronic money transaction processing method of the multi-format RF card of the present invention. FIG. 8 is a process corresponding to step S150 in the entire process shown in FIG. 5.

Step S410: The online charging server 400 receives the electronic money payment request from the smart terminal 200 as the smart terminal 200 transmits the electronic money payment request in response to the specific payment event .

Steps S420 and S430: The online recharge payment server 400 first identifies the NFC-connected RF card 110 from the smart terminal 200 and identifies the electronic death of the RF card 110 based on the identification result And sets it as the electronic money subject to be subjected to settlement processing. In this embodiment, company A, which is an electronic money company of the RF card 110, is set as an electronic money person to be subjected to settlement processing.

Steps S440 and S450: The on-line charging payment server 400 identifies the built-in security module 410 to correspond to the settlement processing subject electronic mortgage company A (company A) set up above, And processes the security authentication process for payment of the electronic money payment to the user terminal (110). The authentication process for payment of electronic money payment can be applied by defining the technical specifications for each electronic mortgage company as described above with reference to FIG. 1, so a detailed description thereof will be omitted herein.

Step S460: Upon completion of the security authentication process for electronic money payment, the on-line charging server 400 acquires information about the payment settlement event from the electronic money (for example, 30,000 won) charged in the RF card 110 The value of 10,000 won is paid and processed by the external settlement management server 500. At this time, the electronic money stored in the RF card 110 is reduced to 10,000 won due to payment of 20,000 won.

Step S470: Then, the online recharging payment server 400 transmits the electronic money payment settlement history to the server of the electronic money company to be processed, that is, the electronic waste paper A server 310, so that each electronic money company manages the electronic money data .

The present invention can also be embodied in the form of computer readable code on a computer readable recording medium. At this time, the computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored.

Examples of the computer-readable recording medium include a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, an optical data storage, and the like, and may be implemented in the form of a carrier wave . The computer-readable recording medium can also be stored and executed by a computer-readable code in a distributed manner on a networked computer system. And functional programs, codes, and code segments for implementing the present invention can be easily deduced by programmers skilled in the art to which the present invention belongs.

As described above, the embodiments of the present invention have been disclosed in the present specification and drawings, and although specific terms have been used, they have been used only in a general sense to easily describe the technical contents of the present invention and to facilitate understanding of the invention. And is not intended to limit the scope of the invention. It will be apparent to those skilled in the art that other modifications based on the technical idea of the present invention are possible in addition to the embodiments disclosed herein.

100, 110, 120, 130: RF card (plastic RF card)
200: smart terminal
300, 310, 320, 330: Electronic computerized server
400: Online charge payment server
410, 420, 430: Electronic security module
500: payment management server
600: charge management server

Claims (7)

A method for integrally processing an electronic money transaction for an RF card of various electronic money formats using an NFC function of a smart terminal,
A first step of setting up a plurality of built-in security modules matched by an online charging server to an electronic mortgage company;
A second step of NFC connection of the smart terminal with the RF card and transmitting an electronic money transaction request for the RF card to the online charging server;
The online recharging payment server identifies the electronic death of the RF card requested for the electronic money transaction and transmits the requested electronic information to the RF card through the data communication between the built-in security module corresponding to the identified electronicized dead- A third step of performing a currency transaction;
A fourth step of the online charging server transmitting the electronic money transaction result data to the server of the identified electronic money money;
A method of processing an integrated electronic money transaction of a multi-format RF card using an NFC function of a smart terminal comprising:
The method according to claim 1,
The electronic money transaction request is an electronic money charging request,
Wherein the first step comprises the step of the electronic recharging payment server connecting to a plurality of electronic mortar servers to deposit the electronic value in the built-in security module for each electronic mortuary company,
The third step includes the steps of: the online recharging payment server identifies the electronic death of the RF card for which the electronic money charging is requested and transmits the electronic money from the deposited electronic value to the built- The method comprising the steps of: (a) charging the smart card with the smart card;
The method of claim 2,
The step (3A)
Receiving the electronic money charging request from the smart terminal;
The online charging server obtaining identification information of the NFC-connected RF card from the smart terminal;
The online recharging payment server identifies the electronic dead end of the RF card from the identification information of the RF card and sets it as an electronic money subject to be charged;
Identifying the embedded security module corresponding to the electronic processing mortuary subject to charge processing by the online charging server;
Processing the security authentication process for electronic money charging for the RF card through the identified embedded security module;
Providing the electronic recharge payment server for the RF card from the electronic value deposited in the identified embedded security module;
The method for processing an integrated electronic money transaction of a multi-format RF card using the NFC function of a smart terminal.
The method according to claim 1,
Wherein the electronic money transaction request is an electronic money payment request,
The first step includes a first step of NFC connection of the smart terminal with the RF card in response to a specific payment settlement event and transmitting an electronic money payment request through the RF card to the online charging server Respectively,
The third step includes the steps of: the online recharging payment server identifies the electronic death of the RF card for which the electronic money payment is requested, from the electronic money charged in the RF card through the built-in security module corresponding to the identified electronicized dead person, And a third step of performing payment processing for payment payment events. The method of processing an integrated electronic money transaction of a multi-format RF card using the NFC function of a smart terminal.
The method of claim 4,
The step (B)
The payment management server receiving identification information of the smart terminal and a selection input of NFC connection RF card payment from the user in connection with the payment payment event;
Transmitting the payment settlement information to the smart terminal for the payment settlement event;
Receiving the payment information from the smart terminal;
Connecting the smart terminal to an RF card through an NFC connection and transmitting an electronic money payment request for the RF card connected to the NFC to the online charging server;
The method for processing an integrated electronic money transaction of a multi-format RF card using the NFC function of a smart terminal.
The method of claim 5,
The step (3B)
Receiving the electronic money payment request from the smart terminal;
The online charging server obtaining identification information of the NFC-connected RF card from the smart terminal;
The online recharging payment server identifies the electronic death of the RF card from the identification information of the RF card and sets it as an electronic money to be processed;
Identifying the built-in security module corresponding to the electronic processing mortuary subject to payment processing by the online charging server;
The online recharge payment server processing the security authentication process for electronic money payment settlement for the RF card via the identified embedded security module;
Charging the online payment server to the external payment management server for the payment settlement event from the electronic money charged in the RF card;
The method for processing an integrated electronic money transaction of a multi-format RF card using the NFC function of a smart terminal.
A computer-readable recording medium storing a program for causing a computer to execute an integrated electronic money transaction processing method of a multi-format RF card using the NFC function of a smart terminal according to any one of claims 1 to 6.

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