KR100371010B1 - A method of exchanging electronic money - Google Patents

Abstract

The electronic money exchange method according to the present invention connects to an electronic money exchange system through the Internet and checks whether the electronic money issuer selected by the user is an electronic money issuer registered in the electronic money exchange system. Approving the value exchange request, assigning a tracking number to the user's value exchange request, activating the value exchange request record stored in the value exchange request database, and transmitting the value exchange request to the electronic money issuer; Authenticate the user by determining whether there is a credit number required by the value exchange request, and send the data held by the credit number if the balance authentication module level is higher than the value exchange requirement level, and issue the electronic money that the user wants to exchange. Enter the institution and the amount, the balance certification module amount is After increasing the amount of the required amount, issues electronic money which has not less than engine balance by amount identity module comprises a step of billing the amount increased period of time in the electronic cash issuing institution.

Description

Electronic money exchange method {A METHOD OF EXCHANGING ELECTRONIC MONEY}

The present invention relates to an electronic money exchange method, and more particularly, to an electronic money exchange method that enables electronic money to be easily exchanged between affiliated stores and non-affiliated stores on the Internet.

With the development of the digital industry and the rapid spread of the Internet, the concept of physical currency, which has been passed down for decades, is gradually changing. In other words, electronic money, which has begun to emerge as the e-commerce environment, such as the spread of the Internet, has matured, has a different concept from that of money. It does not need to send and receive money directly, and it has economic activities such as paying money by embedding a semiconductor chip in a card of a business card size.

Electronic money is easy to carry and can reduce enormous money making costs. It is convenient to transport and store cash, and it is rapidly spreading worldwide in that there is no risk of storage, loss or theft. ought. In addition, there is an advantage that the money can be processed quickly because there is no need to have a bankbook or a seal at the time of deposit and withdrawal and there is no need to prepare a bill or remittance request.

Such electronic money can be generally divided into IC card type and network type. The IC card type is a product with an IC instead of a magnetic strip of a credit card, and has a large memory capacity. Since the IC card type electronic money is made of nonvolatile memory, it can be used more than 100,000 times after recharging, and the price of the inquiry terminal is cheaper than that of the magnetic card, so it is economical. Inside, a microprocessor, a chip operating system, and a security program are built in to perform high performance and functions such as operation processing and data conversion. In addition, since the forgery and tampering is impossible, the safety and security are very high.

Since the secret key and the encryption algorithm is entered inside the card, mutual authentication is possible between the card and the terminal even when offline. If the password does not match for a predetermined number of times in case of loss, the automatic locking device is activated.

Network-type electronic money stores electronic money in client computers connected to virtual banks or banks on the Internet, and makes payments through the network whenever necessary. Electronic money is attracting attention.

In order to use such network type electronic money, purchase electronic money from an electronic money issuing agency such as a virtual bank or trading bank, store it in a computer, and then purchase the network at an Internet shopping mall affiliated with the electronic money issuing institution. You pay through In this case, a virtual bank or a trading bank, that is, an electronic money issuer, issues different electronic money, and numerous shopping malls scattered on the Internet belong to a specific electronic money issuer. The fact that a shopping mall belongs to a specific electronic money issuer means that the shopping mall can use electronic money issued only by the electronic money issuer.

However, since the Internet is rapidly spreading worldwide and off-line commerce is mostly done on the Internet, in order for commerce on the Internet to be active to the same extent as physical transactions, electronic money with an exchange value equivalent to real money. Becomes essential.

The present invention has been made in view of the above, and by exchanging the value of the electronic money issued by different electronic money issuing institutions electronic money exchange that allows the user to freely purchase goods or provide services at merchants and non-affiliated stores To provide a way.

In order to achieve the above object, the electronic money exchange method according to the present invention is an electronic money exchange system in which a user, a subscribed electronic money issuer and a non-subscribed electronic money issuer are connected through a network, the electronic money exchange via the Internet. Accessing the server of the system, selecting an electronic money issuer, entering information and sending a value exchange request, and confirming that the electronic money issuer selected by the user is the electronic money issuer registered in the electronic money exchange system. In the case of the issuer, the step of approving the user's value exchange request, assigning a tracking number to the user's value exchange request, and activating the value exchange request record stored in the value exchange request database transmits the value exchange request to the electronic money issuer. Step by the value exchange request to the server of the electronic money issuer Determining whether there is a transaction number and authenticating the user, and if the balance authentication module level is higher than the value exchange requirement level, sending the data held by the credit number, and entering the balance with the electronic money issuer and the amount that the user wants to exchange. If the amount of the authentication module exceeds the value exchange request amount, the amount of the electronic money issuing institution is increased by the amount of the balance certification module, and then the bill is increased to the electronic money issuing institution for a certain period.

1 is a view showing the concept of an electronic money exchange method according to the present invention.

Figure 2 is a block diagram showing the structure of the electronic money exchange device according to the present invention.

3 conceptually illustrates an electronic money exchange method according to the present invention;

4 is a diagram showing an initial web page when a server of the electronic money exchange system according to the present invention is connected.

Fig. 5 is a diagram showing a sub web page when the server of the electronic money exchange system according to the present invention is connected.

6 is a view showing a sub web page after setting a desired amount of exchange in the electronic money exchange method according to the present invention.

7 is a flowchart illustrating a user connection step to a server in the electronic money exchange method according to the present invention.

8 is a flowchart showing the step of approving the value exchange request in the electronic money exchange method according to the present invention.

9 is a flowchart illustrating a step of sending a value exchange request to an electronic money issuer in the electronic money exchange method according to the present invention.

10 is a flowchart showing the step of maintaining the value exchange in the electronic money exchange system according to the present invention.

11 is a flowchart showing a user authentication step in the electronic money exchange method according to the present invention.

12 is a flowchart showing a step of exchanging actual electronic money in the electronic money exchange method according to the present invention.

Explanation of symbols on the main parts of the drawings

1: Internet 3: Electronic money exchange device

5: Electronic money issuer 7: Non-affiliated merchant

8: affiliated stores 10: network interface

12 control unit 13 operating unit

15: Payment and Settlement Department 17: Credit Confirmation Department

30: storage unit

In the electronic money exchange system of the present invention, network type electronic money is mainly used as electronic money. In the present invention, the network type electronic money is made by a specific electronic money issuer, but the electronic money exchange system enables the use of electronic money in not only affiliated stores but also non-affiliated stores.

1 is a conceptual diagram for an electronic money exchange system according to the present invention. As shown in the drawing, the electronic money exchange system 3 is connected to an electronic money issuing organization 5, an electronic money use merchant 8 and a user 9 via the Internet 1. Merchants (8) subscribed to the electronic money issuing agency (5) is generally an Internet shopping mall or an e-commerce company, but also includes a company that supplies products on a network or a service company that provides other services such as information provision.

In general, in the use of electronic money, when the user 9 pays an amount from the electronic money issuer 5 and purchases the electronic money, the purchased electronic money is stored in the computer of the user 9. When the user 9 wants to purchase goods or provide a service from the affiliated store 8, first, the user 9 connects to the electronic money exchange system through the Internet 1 and selects a desired electronic money issuer. If the electronic money issuing period selected by the user is an issuer subscribed to the electronic money exchange system according to the present invention, the electronic money exchange device 3 is connected to the subscribed electronic money issuer 5 and the user's remaining amount of electronic money is retained. After confirming, grant authority to use electronic money. When the user 9 purchases goods or is provided with services by accessing the merchant 8, the user's payment cost is reduced from the balance confirmed in the electronic money exchange device, and the reduced balance is again returned to the electronic money issuer (5). ) Is sent to and stored.

In the electronic money exchange system of the present invention, it is possible to purchase goods and provide services even at non-affiliated stores. That is, as shown in the figure, in the present invention, the non-subscribed electronic money issuing engine 7 is connected to the electronic money exchange device 3 via the Internet 1. Although not shown in the figure, the fact that the non-subscribed electronic money issuing organization 7 is connected to the electronic money exchange system means that the affiliated stores of the issuing organization are connected to the electronic money exchange system.

In the present invention, it exchanges the value between the electronic money issued by the subscribed electronic money issuing organization (5) and the non-subscribed electronic money issuing organization (7). Therefore, when a user accesses a non-affiliate store 8 through the Internet 1 to purchase goods or is provided with a service, the electronic money exchange system 5 to which the user subscribes and the non-affiliated store By exchanging the value of different electronic money between the money issuing agencies 7, it is possible to purchase goods or provide services in the non-participating shop 8. The exchange of the electronic money value may be achieved by exchanging credits of the affiliated electronic money generator and the non-subscribed electronic money issuer in the electronic money exchange system or by purchasing and depositing electronic money in advance in the electronic money exchange system.

Hereinafter, the electronic money exchange system and method will be described in detail.

2 is a view showing the structure of an electronic money exchange device. As shown in the figure, the electronic money exchange device 3 is connected to an external user, a subscribed electronic money issuer and an unregistered electronic money issuer through the network interface 10. In addition, the control unit 12 of the electronic money exchange device 3 includes an operation unit 13 for operating the entire device, a credit confirmation unit 15 for confirming the user's credit when the user is connected and inputs information; When the user purchases an item or is provided with a service, a payment and settlement unit 17 for paying and paying a corresponding fee, and a store storing various information about the user and various information about the electronic money issuer The part 30 is connected.

The storage unit 30 generates a credit information of the subscribed user and updates the information generated when the user purchases or receives a service, and the credit number issuing database 31 which is issued by a specific electronic money issuer subscribed to by the user. Value Switching Demand (32) database for storing data requiring the exchange of the value of electronic money and the value of the electronic money of another electronic money issuing agency, and responding in response to the value exchange request. The value switching response database 33 including data, the exchange confirmation database 34 including data confirming the value exchange between other electronic money issuing agencies, and the user's purchase or service provision. It is composed of a settlement database 35 for storing data paid and settled.

In addition, the storage unit 30 is an access database 36 for storing data on the access of the user and the electronic money issuing authority connected to the electronic money exchange system, and the foreign exchange rate of foreign currency by storing the foreign exchange rate Foreign exchange database 37 for determining exchange rate with foreign currency, payment database 38 for storing the details of payment, and credit or balance of the user are stored and stored from the user or electronic money issuer It includes a credit / balance database 40 that checks if there is a request for this, and a holding amount and points database 41 for storing holding amounts and points for individual electronic money issuers.

The most basic function of the electronic money exchange system having the above configuration is shown in FIG. As shown in the figure, the central control unit of the electronic money exchange system according to the present invention, that is, the electronic money exchange device 3 is connected to the user interface 11 through the user modem 13 so that the user's computer is electronic money. It is connected to the exchange apparatus 3. When a user accesses an electronic money exchange system in order to purchase goods or provide services through a shopping mall or service provider that is not subscribed to an electronic money issuer, the user's computer provides the value of the stored currency and provides the shopping mall or service. The value exchange request (VSD) is requested to the electronic money exchange device, which requires the trader to exchange the electronic money value of the electronic money issuer.

In the electronic money exchange device 3, when a value exchange request is input from a user, first, the electronic money issuing agency interface 19 is connected to the electronic money issuing agency interface 19 through the modem 15 of the electronic money issuing authority, and then through the balance authentication module (BCM) 17. Perform credit check on the user's request to check the credit balance on electronic money. When the balance of the user is confirmed by the credit balance confirmation, the electronic money exchange device 3 realizes the exchange of the value for the value exchange request of the user.

The user's purchase of goods or exchange of electronic money for services is actually performed on a network such as the Internet. In other words, the user exchanges electronic money by connecting to a server of an electronic money exchange system through the Internet and purchasing goods or selecting a service through a downloaded web page.

4 shows a web page of an electronic money exchange system. As shown in the figure, the service provided by the electronic money exchange system according to the present invention is not limited to the exchange of electronic money, but is provided by other common community sites such as web site shops, games, adult rooms, and home shopping. Provide content to In addition, the web pages display exchangeable electronic money issuers, and a user's credit number entry field is formed.

When the user selects a subscribed electronic money issuer, inputs a credit number and password, and clicks a confirmation button, the web page is switched to a sub web page as shown in FIG. On the sub web page, as shown in the figure, the name of the subscribed electronic money issuing organization, the holding amount of electronic money issued by the electronic money issuing agency, and points corresponding to the holding amount are displayed. If the user selects another non-subscriber electronic money issuer who wants to exchange their electronic money, inputs the amount and point of the desired electronic money, clicks the OK button, the affiliated electronic money issuer holds the desired amount on the server. The amount of the electronic money is exchanged only if the credit number of the electronic money issuing institution that issues the exchanged electronic money is of the same or better grade.

For the electronic money exchange request, a web page as shown in FIG. 6 appears on the web. As shown in the figure, in response to the user's electronic money exchange request, the non-affiliated electronic money issuer displays the credit number of the non-affiliated electronic money issuer, the amount of money that can be exchanged, and the authority point. The amount of money available for the issued electronic money is displayed.

As described above, in the electronic money exchange system according to the present invention, the user and the server of the electronic money exchange system are connected through the Internet, and the electronic money of the non-affiliated electronic money issuer that the electronic money of the electronic money issuer to which the user subscribes is desired. Exchanged. For the user's request for exchange of electronic money (ie, value exchange request for electronic money (VSD)), the server verifies the credit balance after authenticating the user's balance from the issuer of the credit institution connected to the server, and then confirms the value exchange. Information, such as the amount exchanged, is sent back to the user.

Detailed description of the currency exchange method of the electronic money exchange system is as follows.

First, Fig. 7 is a diagram showing how a user connects to an electronic money exchange system. As shown in the figure, a user accesses a server of an electronic money exchange system through a computer, moves to the initial screen of a web page, selects a subscribed electronic money issuer, and then requires items such as a credit number, password, and credit rating. If the input (S100, S110, S120), the electronic money exchange system transmits the user information, such as the user's holding amount or holding point to the user's computer (S130). In addition, at the same time as the transmission of the information, information necessary for the user such as a phrase necessary for the transaction is displayed on the web page (S140).

As described above, as the user selects an electronic money issuer and inputs a required item, the electronic money exchange system, as shown in FIG. 8, receives the user's credit number, password, and credit rating from the user's value exchange request (VSD). It extracts and checks whether the electronic money issuing organization is registered in its database (S200, S210). If the electronic money issuing organization is not a registered electronic money issuing institution, the user is asked for other institutions and credit numbers (S220, S230), and if the electronic money issuing institution, the user's value exchange request (VSD) is approved ( S240).

As shown in FIG. 9, the approved value exchange request is first given a tracking number and a timestamp is added and stored in the VSD database (S300, S310, and S320). The VSD database sets the state of the stored VSD record to 'active', extracts the electronic money issuer name selected by the user according to the value exchange request (VSD), and then sends the value exchange request (VSD) to the issuer (S330, S340). S350).

Meanwhile, the electronic money exchange system periodically checks the current VSD DB as shown in FIG. 10 (S400). If the VSD is canceled or deleted, the recording status of the VSD is changed to deletion (S410, S420), and the recording status of the VSD is changed back to deletion even if the VSD is not canceled or deleted but the credit number is invalid. (S430, S440). If the VSD is not canceled or deleted and the credit number is still useful, the maintenance of the VSD is completed (S450).

As shown in FIG. 11, when a value exchange request (VSD) is sent to an electronic money issuing agency, the electronic money issuing agency opens a session in response to the received BCM (Balance Confirmation Module) of the electronic money issuing agency. It is checked whether the credit number required by the exchange request is stored in the server of the electronic money issuer (S500, S510). If there is no credit number in the server of the electronic money issuer, it is determined that the user is not authenticated and rejects the user's VSD (S520). If a credit number exists, after determining that the user is an authenticated user, if the BCM grade is less than the VSD grade, the user also refuses the VSD (S540). The data held by the number is transmitted to the server of the electronic money exchange system (S550).

As shown in Figure 12, the electronic money exchange system stores the data received from the BCM of the electronic money generating institution and displays it to the user through a web page (S600, S610). As shown in FIG. 5, the electronic money issuing institution and the desired exchange amount are displayed on the web page, so that the user selects the desired electronic money issuing institution and inputs an amount of money to be exchanged (S620 and S630). The electronic money exchange system stores the contents input by the user in the server (S640).

If the BCM amount is smaller than the user's VSD amount, the server of the electronic money exchange system rejects the VSD because the stored amount is smaller than the amount desired to be exchanged (S660).

If the BCM amount is more than the VSD amount, the electronic money is exchanged. The electronic money is exchanged by purchasing electronic money directly from the electronic money issuer.

That is, if there is a VSD of a user who purchases and maintains electronic money from an unregistered electronic money issuer and then purchases electronic money from a subscribed electronic money issuer, the electronic money is directly exchanged based on the creditworthiness between the electronic money issuers. do. In other words, as shown in the drawing, if there is a user's VSD, the amount of money is increased by the amount of BCM required by the VSD from the stack of the electronic money issuing institution (S670). The system adds the amount increased over a period of time and bills it to the electronic money issuer (S680).

When the exchange of electronic money is completed, the processing of this data is displayed on the web page to notify the user that the exchange of electronic money has been made.

Although not shown in the figure, at the same time as the exchange of electronic money, the user's computer is connected to the server of the electronic money issuing institution, so that ordinary goods can be purchased or service provided.

In the above-described example, only the electronic money exchange at the time of providing an electronic commerce or service, which occurs only in Korea, is illustrated. However, the exchange of the electronic money may be used in a transaction with a foreign country, or may be simply used to exchange foreign currency. At this time, exchange with foreign currency is carried out by the same concept as the above-described example.

As described above, the present invention exchanges electronic money issued by an electronic money issuing organization that is not subscribed to the electronic money issuing organization to which the user subscribes. Merchants affiliated with the money issuer can purchase goods or provide services using a single electronic money.

Claims (3)

In an electronic money exchange system in which a user, a subscribed electronic money issuer and a non-subscribed electronic money issuer are connected through a network, Accessing a server of an electronic money exchange system through the Internet, selecting an electronic money issuer, inputting information, and transmitting a value exchange request; Confirming whether the electronic money issuer selected by the user is an electronic money issuer registered in the electronic money exchange system and approving the value exchange request of the user if the electronic money issuer is a stored issuer; Assigning a tracking number to the value exchange request of the user and converting the indication bit of the value exchange request stored in the value exchange request database from non-operation to transmit the value exchange request to the electronic money issuer; Determining whether the credit number required by the value exchange request is valid to the server of the electronic money issuer; And If the credit number is valid, authenticating the user and requesting the authenticated user to input a desired value exchange amount, and if the credit number is invalid, transmitting the unusable information to the user; Inputting a value exchange amount that a user wants to exchange according to the request, and comparing the input value exchange request amount with the balance authentication module amount; According to the determination result, if the value exchange amount is greater than the balance authentication module amount, the unusable information is transmitted. If the value exchange amount is less than the balance authentication module amount, the amount of the electronic money issuing institution is held. Increasing the balance authentication module amount required by the value exchange amount; And, And claiming an increase in the amount of the electronic money issuing organization to the electronic money issuing organization on a predetermined basis. The method of claim 1, further comprising: periodically checking the value exchange request database of the electronic money exchange system to delete the canceled value exchange request and to delete the value exchange request of an invalid credit number to maintain the value exchange request. It further comprises a method. The method of claim 1, wherein the server of the electronic money exchange system provides various contents such as foreign exchange services, games, home shopping, and adult information.