KR100369250B1 - Electronic payment system and electronic transaction method using IC card - Google Patents

Abstract

The present invention relates to an electronic payment system that can charge a customer's integrated circuit card credit value according to the customer's credit rating and then form a credit transaction off-line within the credit value limit. A management agency providing a customer card and a merchant card; An issuer that records the recharging key and credit value information on the customer card provided by the management institution and provides it to the customer; A purchasing institution that records the settlement key on the merchant card provided by the management institution and provides the merchant with the settlement key; And a terminal which forms a credit transaction between the customer card and the merchant card offline or online, and charges the credit value of the customer card and the settlement of the merchant card online, and includes a customer card and a merchant card having the same purchase key. After the offline credit transaction is established at the terminal, the credit value information recorded on the customer card is deducted, and the merchant card requests payment to the purchaser according to the transaction history information for the offline credit transaction performed at the terminal. Characterized by requesting the payment to the issuer corresponding to the charging key recorded in the transaction history information, it is possible to form a credit transaction online and offline, the transaction settlement for the credit transaction in the future It is particularly useful for electronic payment systems involving small transactions.

Description

Electronic payment system and electronic transaction method using IC card

The present invention relates to an electronic payment system using a portable electronic card, such as an integrated circuit card, and more particularly, charges the credit value of the customer's integrated circuit card according to the customer's credit rating, and freely conducts the credit transaction offline within the limit of the credit value. It relates to an electronic payment system that can form a.

A conventional credit card transaction system consists of a card company that issues a credit card, a member bank that issues a card from the card company, and a card merchant that can trade by the credit card. The credit card is issued to the customer by setting the usage amount according to the degree, and the customer can use the credit card to purchase at the merchant even if there is no cash right away. Then, after a certain period of time, the customer is charged for the purchase price, the merchant is paid for the purchase price. On the other hand, the point of sale terminal installed in each affiliated store is always connected to the host system of the card company or member bank online so that the card user's credit card is a bad trader card or a lost card. After checking, if there is no problem, exchange transaction information.

In order to use such a conventional credit card system, a POS terminal installed in each affiliated store must be connected to a host computer of a card company or a bank online. Therefore, large-scale facility investment is required for the construction of such network infrastructure, and it is difficult to use this system especially in countries where the computer network infrastructure is not well established. In addition, since all credit transactions are made online, basic communication costs per unit transaction are indispensable, so it is not suitable for small transactions. For example, if the transaction amount is 200 won and the cost of the credit transaction is 500 won, then no one will try to use the system, which is why credit cards are currently only used for relatively high-value transactions. will be. On the other hand, the credit card used in this system is a magnetic stripe card that is easily forged and tampered with, thereby causing security problems.

In the conventional prepaid electronic money system, the issuing bank receiving the integrated circuit card initialized by the electronic money headquarters charges and issues a certain amount to the integrated circuit card within the limit of the amount in the account. Purchases can be made within the limits of the amount charged on the card. Such electronic money transactions can be made online or offline between the card terminal and the issuing bank.

The actual cash value is transferred to the prepaid electronic money card. That is, the cash in the customer's bank account is withdrawn and charged directly to the card, so that losing the card is equivalent to losing cash. However, if the card holder requires the input of the user's unique number, the card acquirer cannot use the card. Otherwise, for example, in the case of the card for the subway pass, all users can require the input of the unique number. There is no way to prevent the card from being used. If the information about the lost card is provided in the card terminal can solve this point, but it is too expensive to have the equipment in all the terminals will be economical. On the other hand, from the customer's point of view, since the cash in his bank account is directly transferred to the card, he cannot earn interest income on his deposit until the purchase act after the money transfer.

The first technical problem to be achieved by the present invention is to take advantage of the credit card system and electronic money system and secure the disadvantages, improve security and convenience, and also economic benefits to each subject such as banks, card companies, merchants, customers, etc. It is to provide an electronic payment system that can maximize the distribution.

A second technical problem to be achieved by the present invention is to provide a customer card provided to a customer by recording information for use in credit transactions in an electronic payment system.

The third technical problem to be achieved by the present invention is to provide a merchant card provided to the merchant for off-line credit transactions with the customer card provided to the customer in the electronic payment system.

A fourth technical problem to be achieved by the present invention is to provide an electronic transaction method by credit between a customer card possessed by a customer and a merchant card possessed by a merchant in an electronic payment system.

The fifth technical problem to be achieved by the present invention is to provide a method for calculating the transaction price generated from the credit purchase in accordance with the transaction history information recorded on the merchant card.

1 is a view for explaining the configuration of an integrated circuit card applied to the present invention.

2 is a view for explaining the outline of the electronic transaction system according to the present invention.

3A and 3B are diagrams showing information recorded in a customer card and a merchant card used in the electronic payment system according to the present invention.

4 is a flowchart illustrating a method of making a credit transaction using a customer card and a merchant card in the electronic payment system according to the present invention.

5 is a flowchart illustrating a method of calculating a transaction amount according to a credit transaction by a merchant card in the electronic payment system according to the present invention.

6 is a flowchart illustrating a method for charging a credit value to a customer card according to the present invention.

7 is a view for explaining that the credit card according to the present invention communicates with the terminal by a wireless method.

8 is a view for explaining a method of recording data in an EEPROM which is a data storage area in a credit card according to the present invention.

The electronic payment system according to the present invention to achieve the first object

A management agency providing a customer card and a merchant card each having the same purchase key recorded therein; An issuer that records the charging key and credit value information in the customer card provided by the management institution and provides the same to the customer; A purchasing institution that records the settlement key on the merchant card provided by the management institution and provides the merchant with the settlement key; And a terminal which forms a credit transaction between the customer card and the merchant card offline or online, and charges the credit value of the customer card and the settlement of the merchant card online.

An offline credit transaction is formed in the terminal with the customer card and the merchant card having the same purchase key, and then the credit value information recorded in the customer card is subtracted, and the merchant card is added to the offline credit transaction performed at the terminal. Request the payment to the purchaser according to the transaction history information, and the purchaser requests payment to the corresponding issuer according to the charging key recorded in the transaction information.

Customer card according to the present invention to achieve the second object,

A customer card provided to a customer for a credit transaction, comprising a data memory unit and a control unit for reading or recording data to and from the data memory unit,

The data memory unit purchase key used as an encryption key for purchase; A charging key used as a charging encryption key; A unique identification number used as the customer's password to confirm whether or not the user is a true user when using the customer card; Credit value information indicating a degree of credit value that a user of a customer card can make credit transactions; Transaction limit information for defining a limit for making a credit transaction without inputting the unique identification number; And transaction history information for recording the information generated in the credit transaction by the customer card,

The control unit performs a credit transaction with a merchant card having the same purchase key as the purchase key and offline through a terminal, transfers the charge key and the transaction history information to the merchant card while deducting the credit value. And credit the credit value with the credit value information online according to the charging key.

Merchant card according to the present invention to achieve the third object,

A merchant card comprising a data memory unit and a control unit for reading or recording data to and from the data memory unit, the merchant card provided to the merchant for off-line credit transactions with the customer card provided to the customer.

The data memory unit purchase key used as an encryption key for purchase; A settlement key used as a settlement encryption key; A unique identification number used as a merchant's password to verify whether or not the user is a true user when using the merchant card; And transaction history information for recording the information generated in the credit transaction with the customer card,

The control unit receives the transaction history information generated by the customer card by performing a credit transaction with each other offline through a customer card and a terminal having the same purchase key as the purchase key, and settles using the settlement key according to the transaction history information. Characterized in that request.

The electronic transaction method according to the present invention to achieve the fourth object,

Inserting a customer card and a merchant card into the terminal after the customer makes a predetermined purchase; Checking the expiration date recorded on the customer card; Displaying the remaining credit value recorded on the customer card if it is within the validity period; Inputting a transaction amount generated in the purchase act into the terminal; Forming a session between the customer card and the merchant card to mutually authenticate using the purchase key; Merchant card using the purchase key to sign the data generated in the purchase activity to generate a purchase authentication code, and transmitting it to the customer card; Confirming the purchase key from the transmitted purchase authentication code and subtracting a credit value corresponding to the transaction amount from the credit value recorded on the customer card; The customer card uses the charging key recorded in the customer card to sign the data generated in the purchase activity and the purchase authentication code, and then encrypts using a session key formed between the customer card and the merchant card to generate a transaction authentication code. Transmitting it to the merchant card; And the merchant card decrypts the transaction authentication code using the session key and records transaction details.

In order to achieve the fifth object, the transaction price settlement method according to the present invention,

Inserting a merchant card into the terminal to request settlement; Connecting the terminal online with the purchaser of the merchant card; Authenticating at the purchasing institution by the settlement key recorded on the merchant card; A merchant inputting a unique number into a terminal and confirming that it is the same as a unique identification number recorded on a merchant card; The purchaser interprets the transaction details recorded on the merchant card and requests the issuer to settle the transaction amount; The issuer checks the transaction details according to the charging key and transfers the transaction amount to the merchant's account; And the issuer is characterized in that it comprises a process of claiming a transaction amount to the customer.

Hereinafter, exemplary embodiments of the present invention will be described with reference to the accompanying drawings. It should be noted that in the following description, only parts necessary for understanding the operation according to the present invention will be described, and other parts will be omitted without departing from the scope of the present invention.

1 is a view for explaining the configuration of an integrated circuit card 11 applied to the present invention. The integrated circuit (IC) card 11 includes an integrated circuit chip such as a micro computer and a memory in a plastic card, and is considered to include components such as a display device and a battery. .

The IC card 11 includes a RAM 14 as a data processing memory, a ROM 13 as a program memory, an EEPROM 15 as a nonvolatile memory as a data memory, and a CPU 12 which processes data according to a predetermined protocol. And an interface 16 for communicating with an external device. The nonvolatile memory 15 stores information on an issuer and a card user, and records information related to a transaction or records necessary information. The interface 16 has a contact type that is inserted into the card reader and operates in contact with the terminal using a wireless signal.

2 is a view for explaining the outline of the electronic transaction system according to the present invention.

The system operator 20 is an organization that oversees the transactions related to credit transactions. The system operator 20 provides a customer card 22 and a merchant card 26 to be used in the credit transactions recorded by the purchase key, and the issuer 21 Mediate the exchange of information between the purchaser and the buying agency 25 and manage security related to credit transactions. The issuer 21 receives the customer card 22 recorded with the purchase key from the management agency 20 and issues a customer card 24 with additional charge keys, customer information, etc. recorded to the customer. Manage the settlement of credit charges. The purchaser (acquirer) 25 receives the merchant card 26 with the purchase key recorded from the management institution 20 and issues a merchant card with the settlement key, merchant information, etc. to the merchant, and pays for the credit transaction. To manage the settlement. Here, the issuer 21 and the purchaser 25 will usually be a card company or a financial institution, and one financial institution may be the issuer 21 and the purchaser 25.

The issuer 21 and the purchaser 25 receive the customer card 22 and the merchant card 26 initialized from the management agency 20, respectively. The initialized customer / merchant card records the card serial number and the common purchase key. The issuer 21 and the purchaser 25 record various information necessary for credit transaction on the initialized card and pay it to customers and merchants. In particular, the issuing agency 21 records the charging key to be used as a charging encryption key on the customer card, the customer information and credit value information on the identity of the customer, and the purchasing agency 25 encrypts the transaction settlement on the merchant card. Record merchant information on the settlement key and merchant's identity to be used as a key.

Here, the customer card 24 paid to the customer may be able to purchase online or offline within the limit of the credit value charged to the card, and the purchase price is deferred through the customer's settlement account 23. Approved. Then, the merchant card 28 paid to the merchant records the information on the transaction result with the customer and settles the purchase price according to the information, the price is transferred to the settlement account 27 of the merchant.

The terminal 29 may be installed at, for example, an ATM terminal directly connected to a host of the issuing agency 21, a merchant's branch office, and may communicate online with a host of the issuing agency 21 or the buying agency 25 or offline. Also, a purchase terminal capable of processing credit transactions, a smart phone that is equipped with a card reader / writer, and communicates with a host of the issuer 21 or the purchaser 25 may be used. It is possible to form a credit transaction offline or online via the terminal 29, and also to charge the credit value to the customer card 24 and to settle the payment by the merchant card 28.

On the other hand, the terminal 29 may be in direct communication with the management authority 20, to form a protocol to communicate with the issuing authority 21 or the purchase engine 25 through the management authority 20.

3A and 3B are diagrams showing information recorded on a credit card used in an electronic payment system according to the present invention, that is, a customer card used by a customer and a merchant card used by a merchant. Credit cards used here meet ISO 7816 (International Standard Organization 7816) and EMV (EuroPay MasterCard Visa) international standards.

3A is a diagram showing information recorded on the customer card, the information recorded on the customer card and the contents thereof are as follows.

The card serial number 301 refers to the serial number of the customer card given by the management institution, and consists of 16 bytes.

The purchase key 303 is an encryption key for purchase uniquely assigned to the customer card at the management institution, and is composed of 16 bytes. Only when the purchase key recorded on the customer card and the purchase key recorded on the merchant card are identical to each other can be mutually credited.

The issuer name 305 is information about the name of the issuer that issued the customer card and the like. The issuer name 305 is information for indicating the identity of the issuer and is composed of 32 bytes.

The charging key 307 is given by the issuing authority as an encryption key for charging the customer card, and is composed of 16 bytes. If the customer wants to charge the credit card on the credit card, the customer goes through the process of verifying the credit card's charge key by searching for the charging master key managed by the issuer. Is performed. When the settlement is required by the merchant card, it checks where the issuing bank of the customer card with the merchant is made according to the information on the charging key recorded in the transaction history information of the merchant card.

The customer information 309 is information on the name and the like of the customer card holder, which is information for indicating the identity of the customer, and is composed of 32 bytes.

The customer account number 311 refers to an account opened in the issuing institution where the customer issued the card, and the transaction price is settled through this account, and is composed of 32 bytes.

Unique identification number (313) is a customer's password to check whether the user is a true user when necessary when using the customer card, given by the issuer upon the customer's request and can be changed later by the customer, 6 bytes It consists of.

The expiration date 315 is information indicating the period during which the customer card can be used. The expiration date 315 is given by the issuing organization and is composed of two bytes. Therefore, after the expiration date, the card cannot be used and a new card must be issued.

The P / C flag 317 is a flag for distinguishing whether the customer card is a parent card or a child card, and is composed of 1 bit. The P / C flag is for the family card system, which issues a sub-card to a father or employer within a family or a company, and issues a jacquard to the family member or employee, and the jacquard user limits the credit value of the sub-card. Buying can be done by charging credit value at. However, in order to charge credit value to the jacquard, the jacquard is charged only after submitting the subcard and verifying the sub-card's unique identification number. When issuing a family card, the issuing organization sets whether the user's customer card is a subcard or a jacquard by a P / C flag, and generates a jacquard serial number using the card serial number of the subcard and the encryption key of the issuer. Record the subcard and jacquard serial numbers on the jacquard.

Credit value information (319) is information that defines the limit that a user of a customer card can make a credit transaction. The credit value information 319 can be set as the maximum amount that a customer can purchase by credit. It is determined by the degree of credit and consists of 32 bytes.

The cumulative transaction limit 321 is information that defines the maximum credit limit for a certain period of time. The cumulative transaction limit 321 defines a limit that a user of a customer card can make a transaction without inputting a unique identification number when making a purchase by credit transaction. It is determined by the issuer's credit level and is composed of 32 bytes. If the size of the transaction the customer has traded so far exceeds the cumulative transaction limit, the customer will be asked to enter a unique identification number for the next purchase. If the inputted unique identification number is confirmed, the customer's transaction performance compared to the cumulative transaction limit is cleared, and the next transaction does not need to re-enter the unique identification number, and the transaction results of the customer are newly accumulated.

The unit transaction limit (323) is information that defines the limit that a user of a customer card can make a transaction without inputting a unique identification number in a single purchase transaction. It consists of 32 bytes. If the customer's current transaction size exceeds the unit transaction limit, the customer is asked to enter a unique identification number.

Transaction history information 325 refers to information generated in the credit transaction by the customer card, and includes information such as merchant card serial number, transaction date and time, transaction amount, transaction code, which is recorded in the customer card in the terminal. The information recorded here may be used if the customer wishes to issue a receipt in connection with the credit transaction by the customer card.

3B is a diagram showing information recorded on a merchant card, the information recorded on the merchant card and its contents are as follows.

The card serial number 351 refers to the serial number of the merchant card given by the management institution, and is composed of 16 bytes.

The purchase key 353 is a purchase encryption key uniquely assigned to the merchant card at the management institution, and is composed of 16 bytes. Only when the purchase key recorded on the customer card and the purchase key recorded on the merchant card are identical to each other can be mutually credited.

The buying agency name 355 is information on the name of the buying organization that issued the merchant card and the like. The buying agency name 355 is information indicating the identity of the buying organization, and is composed of 32 bytes.

The settlement key 357 is an encryption key for settlement provided by the purchaser, and is composed of 16 bytes. When the merchant requests settlement of the transaction price according to the transaction history recorded on the merchant card, the merchant goes through the process of verifying the settlement key of the merchant card by searching the settlement master key managed by the purchasing institution. It is performed only in the buying agency and online environment.

The merchant information 359 is information on the name of the merchant card holder and the like. The merchant information 359 is information for indicating the identity of the merchant and is composed of 32 bytes.

The merchant account number 361 refers to an account opened by the merchant at the purchase institution that issued the card. The merchant credited is deposited through the account, and is composed of 32 bytes.

Unique identification number (363) is a merchant's password for checking whether the user is a true user when the settlement card is requested by the merchant card, given by the purchaser at the merchant's request, and can be changed later by the merchant, 6 bytes It consists of.

The expiration date 365 is information indicating the period during which the merchant card can be used, which is given by the purchaser, and is composed of two bytes.

Transaction details information (367) refers to information generated in the credit transaction by the merchant card, information such as merchant card serial number, customer card serial number, transaction date and time, transaction amount, transaction code, purchase authentication code and transaction authentication code It is recorded on the merchant card at the terminal.

Here, the transaction code is data representing a serial sequence of credit transactions by the merchant card, and is also recorded in the transaction history of the customer card. The purchase verification code refers to the result of signing the purchase data with the purchase key, which is a code generated by the merchant card when the customer card and merchant card are inserted into the terminal after purchase and the purchase amount is input to the terminal. It is sent to the customer card and used for mutual authentication between the merchant card and the customer card in connection with the purchase. The transaction authentication code signifies the data consisting of the purchase data and the purchase authentication code with the charging key and then encrypts the data with the session encryption key. The transaction authentication code is generated from the customer card and transmitted to the merchant card.

4 is a flowchart illustrating a method of making a credit transaction using a customer card and a merchant card in the electronic payment system according to the present invention. The credit transaction according to the present invention can be made online as well as offline with a host such as a management agency. The former form a credit transaction in a manner similar to conventional credit card systems. However, even in the case of an online credit transaction, the terminal is connected to the host online in the related art, and transaction settlement is immediately performed according to the transaction details. However, in the present invention, even if the transaction is made online, only the matters related to user authentication, etc. are processed online. Settlement by merchant card differs in that when a merchant requests settlement, all transactions recorded on that merchant card are processed in a batch. In addition, the present invention can form a post-payment credit transaction offline by the credit value information of the customer card as well as online credit transactions. Hereinafter, the offline credit transaction will be described in detail.

When the customer presents the customer card after making a predetermined purchase at the merchant's shop, the merchant inserts the customer card and his merchant card into the terminal (401). The terminal checks the expiration date recorded on the customer card (420), and if it is within the expiration date, displays the remaining credit value recorded on the customer card on the terminal (423), otherwise terminates the credit transaction. On the other hand, merchants must enter a unique number in the terminal in order to credit by the merchant card (410), if the unique number entered by the merchant and the unique identification number recorded on the merchant card (412), they match each other If you do, the credit is made. Otherwise, the credit is terminated.

When the transaction amount generated in the purchase act is input to the terminal (425), the transaction amount is compared with the cumulative transaction limit and the unit transaction limit recorded in the customer card (427). That is, it is determined by the customer card whether the total amount of credit transactions so far exceeds the cumulative transaction limit or the transaction amount exceeds the unit transaction limit. If either of these limits is exceeded, the customer must enter a unique number (431), and if the unique number entered on the customer card is compared with the unique identification number recorded on the customer card (433), if they match each other, the credit Otherwise, the credit transaction is terminated. Therefore, in the case of a transaction not exceeding the limit amount, the customer does not require the input of a unique number, thereby eliminating the inconvenience of having to input the unique number one by one.

On the other hand, by setting a minimum transaction amount in the customer card does not exceed this amount, it is possible to eliminate the need to enter a unique number regardless of the cumulative use amount. In this way, the credit card can be freely used whenever the credit card is used for vending machines, subway passes, or bus rides for a small amount.

Next, in order to mutually authenticate the customer card and the merchant card, a session is established between these cards and the purchase keys recorded in each card are checked to be the same (440). If the purchase keys are the same (441), it means that these cards are cards provided by the same authority, so that they can communicate with each other by communicating credit information, otherwise the credit transaction is terminated.

The merchant card generates a purchase verification code by signing the purchase data consisting of data generated from the purchase activity, for example, the merchant card serial number, transaction date and time, transaction amount, transaction code and random number, with a purchase key, which is converted into a customer card. Send (443). Here, the random number used as the purchase data is an arbitrary value that both parties share when forming a session between the customer card and the merchant card.

The customer card confirms the purchase key from the purchase authentication code sent from the merchant card, subtracts the credit value corresponding to the transaction amount from the credit value recorded on the customer card, and also the data generated from the purchase activity and the purchase authentication. After signing the code with the charging key recorded on the customer card, the key is encrypted using the session key formed between the customer card and the merchant card to generate a transaction authentication code, which is transmitted to the merchant card (445). Transaction authentication code refers to the data that consists of the customer card serial number, merchant card serial number, transaction date and time, transaction amount, transaction code, purchase authentication code signed with the charge key and then encrypted using the session key. Here, the session key refers to a key for encrypting information in the session from common data shared by both parties in order to encrypt and exchange data between two parties after mutual authentication when forming a session between the customer card and the merchant card.

The merchant card decrypts the transaction authentication code received from the customer card using the session key and records transaction history information (447).

5 is a flowchart illustrating a method of calculating a transaction amount according to a credit transaction by a merchant card in the electronic payment system according to the present invention. The merchant card is a host of the purchasing institution (or the management institution) for transaction details including the transaction authentication code recorded on the merchant card through the terminal connected to the purchasing institution after the credit transaction is made according to the method shown in FIG. The purchaser (or the management agency) classifies the transaction data for each issuer and transmits it, and the issuer can transfer the transaction amount to the purchaser (or the management agency) to receive settlement by the merchant card. .

The merchant inserts the merchant card into the terminal and requests settlement (501). Here, the terminal should be connected to the buying agency online. That is, the merchant may use a terminal directly connected to the buying agency, and may also be connected online with the buying agency via these terminals even if the terminal is connected to a management agency or issuer having a network connected to the buying agency.

The buying agency authenticates with the settlement key recorded on the merchant card (503). If the settlement key of the merchant card is confirmed in the settlement master key of the purchasing institution (505), the purchasing authority performs the settlement operation with the merchant card, otherwise the settlement process is terminated.

If the merchant card is authenticated, the merchant inputs a unique number to the terminal (507), and checks whether it is the same as the unique identification number recorded on the merchant card (509). If these numbers are the same, the settlement operation continues. Otherwise, the settlement process is terminated.

The merchant card transmits the transaction details information to the purchaser, and the purchaser interprets the transaction details, checks the issuer according to the charging key in the transaction, and requests the issuing bank to settle the transaction amount (511). .

The issuer checks the transaction verification code using the charging key (513), and if the transaction is confirmed to be by a customer card issued by the issuer (515), the issuer transfers the transaction amount to the purchaser ( 517). The purchasing institution transfers the amount transferred from the issuing bank to the merchant account linked to the merchant card (519).

The issuing agency bills the customer at a predetermined time for the transaction amount transferred to the purchaser (521), and when the customer deposits the amount into the customer account, the credit transaction is terminated.

6 is a flowchart illustrating a method for charging a credit value to a customer card according to the present invention. The customer can only purchase within the limit of the credit value charged to the customer card, and each purchase reduces the credit value that can be used later by the amount incurred. Therefore, at some point, the credit value charged to the customer card is exhausted, and no further purchases can be made. Therefore, in order to continue the credit transaction using the customer card, the credit card must be charged.

When a customer first issues a customer card from the issuing bank (601), the issuing bank evaluates the customer's credit level and the like to set an initial credit value, and charges the credit card to the customer card within the range (603). When the customer makes a credit transaction using the customer card (607), the credit value of the customer card is deducted (607) corresponding to the transaction amount. Customers can only credit within the limits of the credit value remaining on their loyalty cards, so they will need to get credit value from the issuing bank again in a timely manner. Hereinafter, a description will be given of how the customer recharges the credit value to the customer card.

The customer inserts the customer card into the terminal connected to the issuer online to request recharging of the credit value (609). The terminal checks the expiration date of the customer card, and also receives a unique number from the customer and confirms whether it is the same as the unique identification number recorded on the customer card (611). If the verification is valid (613), the charging procedure proceeds, otherwise it ends.

Next, a mutual authentication is performed by establishing a session between the customer card and the issuer using the charging key (615). If the charging key of the customer card is confirmed in the charging master key of the issuing organization (617), it means that the customer card can be charged, otherwise the charging procedure is terminated.

The issuing bank checks the creditworthiness of the customer, checks how much credit value is available for charging (619), and then transmits the credit value information to the terminal, and the terminal records the information in the customer card (621). Here, the recharged credit value may be set to the initial credit value, or may be increased or decreased in consideration of the transaction performance or the balance of the deposit.

For example, if the initial credit value for a customer set by the issuer is 100, and the credit value that is charged by the issuer and that the customer can credit with a customer card is 70, the issuer The remaining credit value, which can be charged additionally, is 30. Therefore, the customer makes a credit transaction equivalent to 60 credit values using a customer card with a credit value of 70 credits, and the amount corresponding to 50 credit values is settled by the merchant card and the customer pays the amount. If you do, the credit value that you can add to your card will be 50. Thus, when a customer asks the issuer to add credit to his or her credit card, the issuer may add up to the remaining credit value of 30, in addition to the credit value of 50, that is to say within 80 credit values. You can charge your credit card with your credit card.

Of course, the issuer may set the credit card's credit value at or above the initial credit value, even if the customer's credit quality is not settled in response to the depleted credit value. The credit value charged can be lowered.

7 is a view for explaining that the card according to the present invention communicates with the terminal by a wireless method. The wireless communication method between the credit card and the terminal is used when a user of the credit card needs to make a predetermined credit transaction while moving, such as when collecting a toll on a highway or subway. 7 is a view illustrating a highway toll collection system by credit card according to the present invention.

The vehicle 71 is provided with a customer terminal 72 for accommodating the customer card 73, and the highway toll-gate is provided with a gantry 74 through which the vehicle 71 passes. In the center of the top of the gantry, a gate terminal 75 commonly called a beacon is installed.

First, when the customer approaches the toll-gate and inserts the customer card 73 into the customer terminal 72 installed in front of or near the driver's seat of the vehicle, a session is formed between the customer card 73 and the customer terminal 72. Mutual authentication When the vehicle 71 approaches the gantry 74, a session is established between the customer terminal 72 and the gate terminal 75 by wireless communication, and mutually authenticated, and then generate transaction history information related to the toll. To wireless transmission.

The customer terminal 72 incorporates a RAM, which is a read / write memory that operates at a high speed, and data wirelessly transmitted from the gate terminal 75 is stored in this RAM. Thereafter, the customer terminal 72 records the transaction history information stored in the RAM in the EEPROM, which is a data storage area of the customer card 73.

Typically, since the vehicle 71 passes through the gantry 74 at a relatively high speed, it is necessary to quickly complete the transaction processing associated with toll collection. However, the time required to write data to the EEPROM is considerably longer than the time required to write data to the RAM. Therefore, if the customer card 73 is in direct wireless communication with the gate terminal 75, the data transfer rate depends on the rate at which data is written to the EEPROM, and since the recording rate is relatively slow, the vehicle 71 may move the gantry 74. There is no guarantee that the transfer of data is complete before passing.

In the present invention, the data transmitted from the gate terminal 75 is first stored in the high speed RAM of the customer terminal 72, and then the data stored in the RAM is recorded in the EEPROM of the customer card. Therefore, instead of communicating directly between the customer card and the gate terminal 75, the customer terminal 72 having a high speed RAM therebetween is interposed therebetween, so that the transaction details can be directly recorded on the customer card. The time required for substantial communication between the gate terminals 75 can be reduced.

8 is a view for explaining a method of recording data in an EEPROM which is a data storage area in a credit card according to the present invention. Generally, to write data to an EEPROM, the data is written to a page buffer of a predetermined size in the card, and then the data in the page buffer are simultaneously written to the EEPROM.

The page buffer is usually composed of 32 bytes, and the data in the page buffer is written in page units in the EEPROM area. However, for example, if data is to be written to EEPROM address 001F-0020, two write operations for 0000-001F and 0020-003F are required even though two bytes of data are recorded.

In the present invention, when data generated in a specific transaction is recorded in the data area of the EEPROM, the size of the data can be set by one page to solve the above-described problem and record the data as soon as possible. That is, the data fields in one page area of the generated data are arranged and set as unit page data, and the page data is written to the EEPROM at one time.

As described above, according to the present invention, the credit value set by the issuer is stored in advance in the user integrated circuit card (possibly recharged), and the user makes an online purchase through the terminal offline with the host after making a purchase in a store. After the authentication process between the quoted integrated circuit card and the user integrated circuit card, the credit value corresponding to the purchase amount is transferred from the user integrated circuit to the merchant integrated circuit card, and online according to the information recorded on the merchant integrated circuit card. Transaction settlement takes place at the connected terminal.

Therefore, according to the present invention, it is possible to form a credit transaction both online and offline by supplementing the disadvantages of the conventional currency, credit card, prepaid electronic money, and adopting a method in which transaction settlement for the credit transaction is made later. This is particularly useful for electronic payment systems involving small transactions.

Claims (10)

A management agency providing a customer card and a merchant card each having the same purchase key recorded therein; An issuer that records the charging key and credit value information in the customer card provided by the management institution and provides the same to the customer; A purchasing institution that records the settlement key on the merchant card provided by the management institution and provides the merchant with the settlement key; And And a terminal which forms a credit transaction between the customer card and the merchant card offline or online, and charges the credit value of the customer card and the settlement of the merchant card online. An offline credit transaction is formed in the terminal with the customer card and the merchant card having the same purchase key, and then the credit value information recorded in the customer card is subtracted, and the merchant card is added to the offline credit transaction performed at the terminal. Request the payment to the purchaser according to the transaction history information, and the purchaser requests payment to the corresponding issuer according to the charging key recorded in the transaction information. The method of claim 1, wherein the customer card provided to the customer A purchase key used as a purchase encryption key granted by the management institution; A charging key used as a charging encryption key granted by the issuer; A unique identification number used as the customer's password to confirm whether or not the user is a true user when using the customer card; Credit value information indicating a degree of credit value that a user of a customer card can make credit transactions; Transaction limit information for defining a limit for making a credit transaction without inputting the unique identification number; And Electronic payment system comprising transaction history information for recording the information generated in the credit transaction by the customer card. The merchant card of claim 1, wherein the merchant card provided to the merchant is: A purchase key used as a purchase encryption key granted by the management institution; A settlement key used as a settlement encryption key granted by the issuer; A unique identification number used as a merchant's password to verify whether or not the user is a true user when using the merchant card; And Electronic payment system comprising transaction history information for recording the information generated in the credit transaction with the customer card. A customer card provided to a customer for a credit transaction, comprising a data memory unit and a control unit for reading or recording data to and from the data memory unit, The data memory unit A purchase key used as a purchase encryption key; A charging key used as a charging encryption key; A unique identification number used as the customer's password to confirm whether or not the user is a true user when using the customer card; Credit value information indicating a degree of credit value that a user of a customer card can make credit transactions; Transaction limit information for defining a limit for making a credit transaction without inputting the unique identification number; And Includes transaction history information for recording information generated from credit transactions by customer card, The control unit The merchant card having the same purchase key as the purchase key and a credit transaction offline through a terminal, and then transfer the charge key and the transaction history information to the merchant card while deducting the credit value and transferring it to the merchant card; The customer card, characterized in that for charging the credit value to the credit value information online according to the charging key. The data memory of the customer card further includes flag information for distinguishing whether the card is a parent card or a child card. The jacquard can perform a credit transaction in the limit of the credit value of the sub-card, and in order to charge the credit value to the jacquard, the identities of the sub-cards must be authenticated before the customer card is charged. . The method of claim 4, wherein the transaction limit information is Cumulative transaction limit information defining cumulative credit limit; And With unit transaction limit information defining one credit limit, If the amount of credit transactions so far exceeded the cumulative transaction limit, or if the current transaction size is greater than the unit transaction limit, the customer is characterized by identifying the unique identification number and then forming a credit transaction. Card. A merchant card comprising a data memory unit and a control unit for reading or recording data to and from the data memory unit, the merchant card provided to the merchant for off-line credit transactions with the customer card provided to the customer. The data memory unit A purchase key used as a purchase encryption key; A settlement key used as a settlement encryption key; A unique identification number used as a merchant's password to verify whether or not the user is a true user when using the merchant card; And It includes transaction history information for recording the information generated in the credit transaction with the customer card, The control unit Receiving the transaction history information generated in the customer card by performing a credit transaction with each other offline through the customer card and the terminal having the same purchase key as the purchase key, and requesting the settlement using the settlement key according to the transaction history information Merchant card, characterized in that. In the electronic transaction method by credit between the customer card held by the customer and the merchant card held by the merchant, Inserting a customer card and a merchant card into the terminal after the customer makes a predetermined purchase; Checking the expiration date recorded on the customer card; Displaying the remaining credit value recorded on the customer card if it is within the validity period; Inputting a transaction amount generated in the purchase act into the terminal; Forming a session between the customer card and the merchant card to mutually authenticate using the purchase key; Merchant card using the purchase key to sign the data generated in the purchase activity to generate a purchase authentication code, and transmitting it to the customer card; Confirming the purchase key from the transmitted purchase authentication code and subtracting a credit value corresponding to the transaction amount from the credit value recorded on the customer card; The customer card uses the charging key recorded in the customer card to sign the data generated in the purchase activity and the purchase authentication code, and then encrypts using a session key formed between the customer card and the merchant card to generate a transaction authentication code. Transmitting it to the merchant card; And The merchant card uses the session key to decrypt the transaction authentication code and records transaction details. The method of claim 8, further comprising: Comparing the transaction amount with a cumulative transaction limit and a unit transaction limit recorded on the customer card; And If the transaction amount exceeds the limit, the customer inputs a unique number on the terminal to check whether the identification number recorded on the customer card further comprises an electronic transaction method using a credit card. In the method of settlement of the transaction price generated from the credit purchase according to the transaction history information recorded on the merchant card, Inserting a merchant card into the terminal to request settlement; Connecting the terminal online with the purchaser of the merchant card; Authenticating at the purchasing institution by the settlement key recorded on the merchant card; A merchant inputting a unique number into a terminal and confirming that it is the same as a unique identification number recorded on a merchant card; The purchaser interprets the transaction details recorded on the merchant card and requests the issuer to settle the transaction amount; The issuer checks the transaction details according to the charging key and transfers the transaction amount to the merchant's account; And Issuer is an electronic transaction settlement method comprising the step of claiming a transaction amount to the customer.