KR101681002B1 - Easy payment device multi prepaid e-card equipped with several electronic wallet based Hub-Code and method thereof - Google Patents

Abstract

The hub code (Hub code), which is a disposable bar code for settlement, is used as a safe deposit box even when a prepaid card is lost. A hub code Based multi-electronic wallet generating / charging apparatus and method thereof, which is equipped with a multi-electronic wallet function, in which an issuer-specific authentication key is inserted; And a control unit for controlling the charging of the prepaid card by controlling the state of the prepaid card in cooperation with the electronic money storage apparatus, Smartphones; And an electronic money corresponding to the prepaid card in cooperation with the smartphone is stored in the safe deposit box, a disposable hub code for payment is generated and transmitted to the smartphone, and the electronic money stored in the safe deposit box is transferred to the prepaid card Electronic wallet creation / charging device based on a hub code, including an electronic money storing device, which is provided with an electronic wallet.

Description

Technical Field [0001] The present invention relates to a simple payment device and a method thereof between a multi-purse prepaid card and a hub code-based electronic purse,

The present invention relates to a simple payment between a multi-purse prepaid card and a hub code-based purse, and more particularly, to a multi-purse non-contact multi-purse prepaid card and an NFC device designed to be manipulated variably according to a plurality of electronic purses and payment application modules Multi-Purse E-Wallet Prepaid Card By issuing a safe account and barcode to users, it is possible to move the balance between the physical card and the safe deposit box, move the balance between the electronic wallet in the multi-electronic wallet prepaid card (currency exchange) The present invention relates to a simple payment apparatus and method for a payment between a multi-purse prepaid card and a hub code-based purse capable of maintaining the security level of a prepaid electronic money by being approved by a multi-purse prepaid card issuer authentication server through a device.

Prepaid electronic money is an electronic wallet-based IC card with a built-in microprocessor and memory. Because it stores and processes information in the card, the risk of forgery is lower than that of a magnetic card. Due to the rapid processing speed of instant authentication and payment, it is mainly used as a transportation card in Korea.

In recent years, pre-paid electronic money has been expanded to non-traffic areas, and an online charging / payment authentication method using an issuer server has also been commercialized without installing a payment application module (SAM) on the terminal.

The use of prepaid electronic money is charged, paid, certified, charged, and settled. The issuer plays the role of prepay electronic money issuance, charge down payment management, authentication, settlement, etc. Users pay the charge amount, I do a claim to the amount of money.

Therefore, in order to use prepay electronic money, issuing, authentication and settlement systems must be provided and it is necessary to install a dedicated terminal equipped with a SAM, but recently, through a dongle without a SAM, an issuer authentication server Real-time online charging / payment method for remote authentication is commercialized, and real-time electronic money can be processed through a general-purpose NFC device such as a smart phone.

Electronic wallets are also called 'e-wallets' or 'digital wallets'. It is a kind of electronic payment system used in e-commerce. Unlike smart card, which is IC type electronic money, it is software that can store money value in a PC hard disk or a virtual bank account and pay for e-commerce transactions like a wallet .

The e-wallet provides online payment, encrypts information about it, provides e-commerce (EC) users' payment guarantees and a purchase transaction function. When the system is established, consumers purchase goods or services through the Internet site of the agreed-upon company, so that the purchase of the goods is immediately made by checking their credit card number or ID, thereby eliminating the inconvenience of inputting all the specific information. Nowadays, as smartphones are popularized, they are being used as one of the electronic payment systems that are going on in mobile.

On the other hand, prior arts for payment using an electronic wallet are disclosed in Patent Documents 1 to 2 below.

The prior art disclosed in Patent Document 1 includes a smart card charged with foreign currency data; A currency exchange service server for requesting inquiry to the external server for currency exchange rate information about the foreign currency and providing currency exchange rate information transmitted in response to the inquiry request; Requesting the service server to transmit the won currency exchange information of the foreign currency selected by the user, calculating the foreign exchange foreign currency amount inputted by the user with the won exchange rate information transmitted from the service server to calculate the exchange foreign currency amount, And a currency exchange terminal for making a request for charging the card, and for requesting the card to deduct a foreign currency amount required for exchange of the currency.

With this configuration, it is possible to exchange a smart card that stores a plurality of calls by exchanging one currency into a foreign currency, and a call charged in the card to a foreign currency.

The conventional technique disclosed in Patent Document 2 is a method for receiving a money information file by a short distance wireless communication from a USIM card storing a money information file including balance information and account information, And a central management system for accumulating change information received from the POS in the balance information, updating the money information file, and transmitting the updated money information file to the USIM card via the POS.

With this configuration, the balance can be accumulated and stored on the USIM card, which makes it easier to store cash that is inconvenient to store, such as coins, and to reduce the risk of loss.

Korean Patent Laid-Open No. 10-2006-0006285 (published on Jan. 19, 2006) (entitled "Charging Goods Exchange System and Method, and Smart Card for Storing Multiple Currencies Used in the System) Korean Patent Laid-Open No. 10-2010-0118895 (published on November 11, 2010) (Title: Electronic wallet system and its apparatus)

However, the use of the prepaid card in the related art as described above makes it difficult to refund the remaining amount when the card is lost, and inconveniences the charging when a small amount of the card is frequently charged.

In addition, in the conventional technologies, only one kind of money is stored in one electronic wallet, so that the balance of a plurality of electronic wallets can not be summed and used.

Accordingly, the present invention has been proposed in order to solve the problems of using the general prepaid card and the problems in the related art, and it is an object of the present invention to provide a payment application module (SAM) Contactless multi-wallet Multi-wallet prepaid card and NFC device to issue users a safe account and barcode to transfer the balance between the physical card and the safe deposit box, move the balance between the electronic wallet in the multi-electronic wallet prepaid card (currency exchange) Multi-Purse Wallet with On / Off-line Easy Payments and NFC Devices Multi-Purse Wallet with Multi-Purse Wallet Pre-Payment Card Issuer Approved by the authentication server to maintain the security level of prepaid e-wallets And to provide a payment apparatus and method therefor.

It is another object of the present invention to provide a simple payment device between a multi-electronic wallet prepaid card and a hub code-based electronic wallet in which a plurality of virtual electronic wallets corresponding to the prepaid cards possessed are created and the balance of each electronic wallet can be used together And to provide such a method.

Another object of the present invention is to provide a multi-electronic wallet prepaid card and a multi-wallet prepaid card which are designed to automatically operate an app securely when the prepaid card is brought into contact with the NFC area (antenna portion) And to provide a simple payment apparatus and method therefor.

In order to achieve the above object, a simple payment device and a method thereof between a multi-electronic wallet prepaid card and a hub code-based electronic wallet according to the present invention are characterized in that an authentication key unique to an issuer is inserted, ; The payment terminal executes the security deposit application automatically when the prepaid card is close, transmits the generated hub code to the payment terminal, checks the status of the prepaid card in conjunction with the electronic money storage device, Smartphones that control; Stores the electronic money corresponding to the prepaid card in the safe deposit box, generates a disposable hub code for settlement, transmits the disposable hub code to the smartphone, creates a virtual electronic wallet corresponding to the prepaid card, And an electronic money storage device for accumulating and using the balance of the electronic wallet.

The hub code is a disposable bar code generated by a combination of a prepaid card and smartphone number information.

The smartphone includes a prepaid card information acquisition module for acquiring information of a prepaid card when a prepaid card is connected; An application execution module for executing a secure safe application automatically stored when the prepaid card is connected; And a card state determination module for determining a state of the prepaid card linked with the electronic money storage device and connected,

And the state of the prepaid card includes at least one of a normal card state and a lost card state.

The smartphone includes a charging module for charging the prepaid card with electronic money stored in the safety deposit box in cooperation with the electronic money storage device when the smart phone is requested to be charged. A payment module for transmitting the disposable barcode to a payment terminal to request payment; A display module for displaying information related to the prepaid card; And a control module for controlling overall use of the prepaid card.

The electronic money storing apparatus may include an approval module for interlocking with the smartphone and accepting the prepaid card based on the registration information when the login information is transmitted; A card management module for checking the status of the prepaid card requested to log in and transmitting the card status information to the smartphone; An electronic money storage module serving as a safe for storing electronic money; A hub code generation module for generating a hub code that is a disposable bar code for payment upon payment request of the smart phone and transmitting the generated hub code to the smart phone; And a payment module for performing payment to the payment terminal using the electronic money stored in the electronic money storage module based on the disposable hub code in cooperation with the payment terminal.

In this case, the payment module performs authentication upon request for refund of the electronic money stored in the safe deposit box, and transfers the electronic money stored in the electronic money storage module to the account designated by the user when the normal authentication is performed.

The electronic money storage device may further include an electronic money transfer module for transferring electronic money stored in the electronic money storage module to the prepaid card in a transfer method when the smartphone requests the charging of the prepaid card.

An electronic money balance integration module for integrating the balances of the electronic money accounts stored in the electronic money saving module to perform settlement when a settlement request is made by the payment terminal, when a balance of a specific electronic money account is insufficient; And an electronic money charging module that receives a user's charging request signal via online and charges the electronic money to the electronic money storing module through a bank transfer or a PIN tech.

The electronic money storage apparatus may further include a heterogeneous currency exchange module for exchanging the value of the heterogeneous currency through the exchange of the value of the heterogeneous currency in response to the request for the heterogeneous currency exchange on-line.

In order to achieve the above object, a hub code-based multi-electronic wallet creation / charging method according to the present invention comprises the steps of (a) executing a safe deposit box application automatically when a prepaid card is connected to a smartphone, Transmitting information to the electronic money storage device; (b) checking status information of the prepaid card requested to be logged in the electronic money storage device, and transmitting the confirmed status information of the prepaid card to the smartphone; (c) displaying status information of the prepaid card received from the smartphone; (d) generating a hub code, which is a disposable bar code for payment when a payment request is made in the electronic money storing apparatus, and transmitting the generated hub code to the smart phone; (e) performing settlement based on the hub code when payment is requested from the payment terminal in the electronic money storage device.

According to another aspect of the present invention, there is provided a method for generating / charging a multi-electronic wallet based on a hub code, comprising the steps of: (f) when an electronic money storage device requests charging of a prepaid card from the smartphone, Charging the prepaid card; (g) charging the safety deposit box with the electronic money through the bank transfer or the PIN tech exchange when the electronic money storage device requests the charging of the safe deposit box.

Further, a method for generating / charging a multi-electronic wallet based on a hub code according to the present invention is characterized in that (h) when a shortage of a specific electronic money company occurs when a payment is generated in the electronic money storing apparatus, Integrating and performing settlement; (i) receiving the exchange rate of the foreign currency through the interfacing with the bank when the exchange request of the foreign currency is made in the electronic money storage apparatus, exchanging the foreign currency into the electronic currency according to the received exchange rate, and storing in the safe depository .

According to another aspect of the present invention, there is provided a method for generating / charging a multi-electronic wallet based on a hub code, the method comprising: (j) performing authentication when a refund of electronic money stored in the safe deposit box occurs in the electronic money storing apparatus, And refunding the electronic money stored in the safe to the account designated by the user through the transfer.

According to the present invention, a hub code, which is a disposable bar code for settlement, is used, and settlement is performed in a safe deposit box. Thus, even when a prepaid card is lost, it functions as a safe deposit box, There is also an advantage in that the real-time value transfer (conversion) can be performed.

Further, according to the present invention, there is an advantage that a plurality of virtual electronic wallets corresponding to the prepaid cards held can be created, and the balance of a plurality of virtual electronic wallets can be summed and used.

In addition, according to the present invention, when a prepaid card is brought into contact with an NFC area (antenna portion) of a smartphone, a safe safe app is automatically activated, thereby facilitating use, Chinese, Japanese, Korean, Euro, Dollar, Yen, Yuan, etc.).

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a schematic diagram of a simple settlement apparatus between a multi-electronic wallet prepaid card and a hub code-based electronic wallet according to a preferred embodiment of the present invention;
FIG. 2 is a block diagram of an embodiment of the smartphone of FIG. 1,
Fig. 3 is a block diagram of an embodiment of the electronic money storing apparatus of Fig. 1,
FIG. 4 is a flowchart illustrating a simple payment method between a multi-electronic wallet prepaid card and a hub code-based electronic wallet according to a preferred embodiment of the present invention.

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, a simple payment apparatus and method of a multi-electronic purse prepaid card and a hub code-based electronic purse according to a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is a schematic block diagram of a simple settlement device between a multi-electronic wallet prepaid card and a hub code-based electronic wallet according to a preferred embodiment of the present invention. The prepaid card 100, the smart phone 200, the electronic money storage device 300 And a settlement terminal 400.

The prepaid card 100 is inserted with an issuer-specific authentication key, and includes a multi-electronic wallet function. The user connects the prepaid card 100 to the transportation payment terminal and immediately makes a payment or interlocks with the smartphone 200 to make payment.

The smartphone 200 automatically executes the safe deposit box application when the prepaid card 100 approaches, checks the status of the prepaid card 100 in conjunction with the electronic money storage device 300, 100 of the battery.

The smartphone 200 includes a safe deposit box application storage unit 210 in which a safe deposit application is stored, a control unit 220 that performs overall control of settlement using a hub code, a communication unit 230 for communication, (240).

As shown in FIG. 2, the control unit 220 includes a prepaid card information acquisition module 221 for acquiring information on the prepaid card 100 when the prepaid card 100 is connected thereto; An application execution module 222 for executing a secure safe application automatically stored when the prepaid card 100 is connected; And a card state determination module 223 for determining the state of the prepaid card 100 linked with the electronic money storage device 300 and connected thereto.

Here, the state of the prepaid card 100 includes a normal card state indicating a normal state or a lost card state indicating a lost card state.

The control unit 220 includes a charging module 225 for charging the prepaid card 100 with electronic money stored in the safe deposit box in cooperation with the electronic money storage unit 300 upon a charging request.

The control unit 220 may include a payment module 226 for transmitting the disposable barcode to the payment terminal 400 to request payment, A display module 227 for displaying information associated with the prepaid card 100; And a control module 228 that is responsible for overall control over the use of prepaid card 100.

The electronic money storage apparatus 300 stores the electronic money corresponding to the prepaid card 100 in the safe deposit box in cooperation with the smartphone 200 and generates a disposable hub code for settlement and transmits the disposable hub code to the smartphone 200 , Creates a virtual electronic wallet corresponding to the prepaid card, and adds the balance of each electronic wallet to use it.

3, the electronic money storage apparatus 300 includes an approval module 301 that interlocks with the smartphone 200 and authenticates the prepaid card 100 based on registration information when login information is transmitted thereto; A card management module 305 for confirming the status of the prepaid card 100 requested to log in and transmitting the card status information to the smartphone 200; An electronic money storing module 303 serving as a safe for storing electronic money; A hub code generation module 309 for generating a hub code that is a disposable bar code for payment upon payment request of the smartphone 200; A payment module (400) for performing settlement to the settlement terminal (400) with electronic money stored in the electronic money storage module (303) based on the disposable bar code in cooperation with the settlement terminal (400) 308).

Here, the hub code is a disposable bar code, which is a disposable bar code generated by combining smart phone number information, which is the information of the smart card stored in the smart phone 200, and information of the prepaid card. The generated barcode can be recognized by a general barcode settlement machine.

The payment module 308 performs authentication upon request for refund of the electronic money stored in the safe deposit box and transfers the electronic money stored in the electronic money storing module 303 to the account designated by the user when the normal authentication is performed desirable.

The electronic money storing apparatus 300 may store electronic money stored in the electronic money storing module 303 when the prepaid card 100 is requested to be charged by the smartphone 200 to the prepaid card 100 An electronic money transfer module (302) for charging the electronic money; An electronic money balance integration module 304 for integrating the balances of the electronic money notes stored in the electronic money saving module 303 to perform settlement when a settlement request is issued by the payment terminal 400, ); An electronic money charging module 306 for inputting a user's charging request signal via online and charging electronic money to the electronic money storing module 303 through a bank transfer or a pin-tie transfer; And a heterogeneous currency exchange module 307 for transferring the value of the heterogeneous currency to the electronic money in accordance with the request for the heterogeneous currency exchange through the online.

The operation of the simple settlement device between the multi-electronic wallet prepaid card and the hub code-based electronic wallet according to the preferred embodiment of the present invention will be described in detail as follows.

First, a user who wants to use the electronic money provides the prepaid card information and the information of the smartphone 200 to the electronic money storage apparatus 300 and requests registration. The electronic money storing apparatus 300 performs a registration procedure and creates a safe deposit account when the registration is normally performed. The user transfers the charge amount to the electronic money storing apparatus 300 using a method such as bank transfer or PIN tech. Accordingly, the electronic money storing apparatus 300 stores the money transferred through the electronic money charging module 306 as electronic money in the electronic money storing module 303.

For example, the user who has issued the prepaid card 100 charges electronic money into the electronic money storage device 300 serving as a safe deposit box, and prepares the prepaid card 100 with the smartphone 200 and the prepaid card 100, The card 100 is charged with electronic money. Therefore, the user does not need to carry cash, nor does it need to charge a large amount of money to the prepaid card 100. [ Especially, by storing the electronic money in the electronic money storage device 300, which is a security deposit box, and transferring the necessary amount to the prepaid card 100 in real time, it is possible to prevent cash loss caused by carrying a lot of cash .

On the other hand, when the user prepares the prepaid card 100 through the traffic terminal mounted on the transportation means, the user contacts the prepaid card 100 with the traffic terminal. Then, the payment is made in the traffic terminal using the money charged in the prepaid card 100 in the same manner as the method of payment using the general transportation card.

Next, when the prepaid card 100 is used to make a payment at an affiliated shop or the like, the user connects the prepaid card 100 carried with the user to the smartphone 200 of the user. The communication unit 230 of the smart phone 200 communicates with the prepaid card 100 using the NFC communication method. The prepaid card information acquisition module 221 of the smartphone 200 acquires the information stored in the prepaid card 100 through the communication unit 230. [ Based on the pre-paid card information thus obtained, the control unit 220 automatically executes the safe deposit box application stored in the safe deposit box application storage unit 210. This makes it possible to solve the inconvenience that the user operates the smart phone 200 to execute a specific application.

For example, simply by bringing the prepaid card 100 carried by the user close to the smartphone 200, the application for security relief 222 is automatically executed by the application execution module 222 of the smartphone 200.

In a state in which the safe deposit box application is automatically executed, the control unit 220 transmits the authentication information for login to the electronic money storage apparatus 300. [ Here, the authentication information for log-in is the combination information of the information confirmed through the physical contact between the prepaid card 100 and the smartphone 200.

When the authentication information for log-in is transmitted, the electronic money storage apparatus 300 confirms whether it is normal authentication information by comparing the information of the registered prepaid card with the received authentication information. As a result of the check, if the authentication information is normal, authentication information indicating that the authentication is normal is transmitted to the smartphone 200. Next, the electronic money storage apparatus 300 recognizes the prepaid card by checking the user information using the login information, and confirms the state of the recognized prepaid card. Here, the status of the prepaid card is a procedure for confirming whether it is a prepaid card registered as a normal or a lost prepaid card. When the user loses the prepaid card registered by himself / herself, he / she reports it to the electronic money storage apparatus 300. Then, the card management module 305 of the electronic money storing apparatus 300 registers the prepaid card as a lost card in the database. Based on the registration information, it is possible to confirm in real time whether the card is a registration card or a lost card.

If the card information is a lost card, the lost card information is transmitted to the smart phone 200 and automatically logged out to prevent the lost prepaid card from being used. With this security function, even when the user loses the prepaid card, the electronic money charged in the safe can be prevented from being stolen.

In addition, if the prepaid card is a usable normal card registered, the user purchases the goods at the merchant and requests payment using the smartphone 200 in which the safe deposit box application is executed.

When the payment request is generated, the hub code generating module 309 of the electronic money storing apparatus 300 generates the disposable bar code using the smart phone information and the prepaid card information. The disposable bar code generated here is called "hub code ". The generated hub code is disposable, and once it is used, it is impossible to reuse it later.

The generated hub code is displayed on the display unit 240 of the smartphone 200, and the payment terminal 400 reads the hub code. Here, it is assumed that the payment terminal 400 is basically equipped with a barcode reader capable of reading a barcode. Barcode reader is a universal reader that can read barcodes attached to general merchandise. The settlement terminal 400 reads the hub code displayed on the smartphone 200, and accesses the electronic money storage device 300 on the basis of the read code. The payment request includes the information of the hub code and the payment amount.

When the payment terminal 400 requests payment, the electronic money storing apparatus 300 performs user authentication (or prepaid card authentication) based on the transmitted hub code. If the authentication is normally performed, the payment module 308 makes a payment using the electronic money stored in the electronic money storage module 303. When the payment is normally performed, the payment completion information is transmitted to the payment terminal 400 and the smartphone 200. It is preferable that the payment completion information transmitted to the smart phone 200 includes electronic money balance information.

On the other hand, the above-mentioned payment method is a case in which the electronic money balance of a specific electronic money company is sufficient. If the electronic money balance of a certain electronic money company is insufficient, the payment is not made due to the lack of balance in the past. Here, a specific electronic money means an electronic mortality corresponding to a prepaid card held.

As another feature of the present invention, when the balance of a specific electronic money company is insufficient as described above, the electronic money of each electronic money company is integrated and the settlement is performed by using the electronic money. For example, if the balance of a specific electronic money stock is insufficient, the electronic money balance integration module 304 consolidates all balances of the respective electronic money stocks stored in the electronic money storing module 303, which is a safe deposit box. That is, the balance of each virtual electronic wallet is integrated. If the integrated electronic money balance is larger than the payment amount requested by the payment terminal 400, the settlement module 308 is notified. The payment module 308 performs settlement using the above-mentioned payment method.

On the other hand, another feature of the present invention is that a user can conveniently charge the electronic money in the safe. For example, when the user intends to charge electronic money in the electronic money storage apparatus 300, which is a safe deposit box, the user connects to the electronic money storage apparatus 300 using the smart phone 200 or other personal computer. Thereafter, the transfer amount is transferred to the electronic cash storage unit 300 through a transfer method such as a bank transfer using a bank network or a PIN tech transfer. The electronic money charging module 306 of the electronic money storing apparatus 300 charges the transferred money to the electronic money storing module 303 with electronic money. Here, the electronic money storage module 303 preferably stores electronic money of each user in a virtual account format. Therefore, the user can conveniently charge the electronic money in the safety deposit box by using online.

The electronic money charged in the safety deposit box can be conveniently transferred to the prepaid card 100 through interlocking with the smartphone 200 to charge the prepaid card 100. For example, when the prepaid card 100 is charged with electronic money, the charging module 225 of the smartphone 200 and the electronic money transfer module 302 of the electronic money storage device 300 are interlocked with each other. If the electronic money required by the charging module 225 is stored in the electronic money storage module 303 in the electronic money transfer module 302, if the electronic money is sufficient, the prepaid card 100 To charge the electronic money. If the electronic money stored in the electronic money storage module 303 is insufficient, the user notifies the stored electronic money amount so that the user can recharge the electronic money or reset the transfer money amount.

In another aspect of the present invention, heterogeneous currency exchange is possible. Here, different kinds of money mean different currencies such as Korean won, Yuan, dollar, yen, and euro. For example, it is assumed that the prepaid card 100 is used in the Republic of Korea and is settled in the Korean currency, and the currency to be stored in the safe box is denominated in dollars. Then, the foreign currency denomination exchange module 307 accesses a bank or the like to acquire exchange rate information of the present time. Then, the transferred dollars are converted into the won in terms of the above exchange rates. The currency thus converted is stored in the electronic money storage module 303 as electronic money again. In this way, the present invention freely exchanges the foreign currency. If the bank's network is not available, exchange can be made based on the exchange rate obtained at the closing time of the bank on the day.

In addition, according to another feature of the present invention, the electronic money stored in the safe can be refunded. For example, the user requests a refund to the electronic money storage apparatus 300 using the smart phone 200 or a personal computer. It is advisable to register a transfer account when requesting a refund. When a refund is requested, the payment module 308 performs user authentication and controls the electronic money stored in the electronic money storing module 303 to be transferred to the account registered by the user when the user authentication is normally performed. It is preferable that the electronic money transfer is performed through the electronic money transfer module 302. As a result, the user can freely refund the electronic money registered as the electronic money as needed.

4 is a flowchart showing a simple settlement method between a multi-electronic wallet prepaid card and a hub code-based electronic wallet according to the present invention, wherein (a) a smartphone 200 automatically installs a safe deposit box application upon connection of a prepaid card 100 And transmitting login information for authentication to the electronic money storing apparatus (S101 to S104); (b) checking status information of the prepaid card 100 requested to log in the electronic money storage device 300 and transmitting the confirmed status information of the prepaid card 100 to the smartphone 200 (steps S105- S106); (c) displaying status information of the prepaid card 100 received in the smartphone 200 (S107); (d) generating (S108 ~ S110, S125) a hub code, which is a disposable bar code for payment when the payment request is made in the electronic money storing apparatus, and transmitting the hub code to the smart phone 200; (S111 to S112) of performing payment on the basis of the hub code in the electronic money storage device (300) when a payment request is made from the payment terminal (400) to the electronic money storage device (300) .

In addition, a simple payment method between the multi-electronic wallet prepaid card and the hub code-based electronic wallet according to the present invention is characterized in that (f) a request for charging the prepaid card 100 from the smartphone 200 in the electronic money storage apparatus 300 (S113 to S116) charging the prepaid card 100 with the electronic money stored in the safe deposit box by the transfer method; (g) charging (S117 to S118) the electronic money into the safety deposit box through the bank transfer or the PIN tech exchange when the electronic money storing device (300) requests to charge the safe deposit box; (h) a step (S119 to S120) of performing settlement by integrating balances of the respective electronic money stock stored in the safe deposit box when a shortage of a specific electronic money stock occurs when the electronic money storing apparatus 300 generates a payment; (i) receiving the exchange rate of the foreign currency through the interworking with the bank when the exchange request of the foreign currency is made in the electronic money storing apparatus 300, exchanging the foreign currency into the electronic money according to the received exchange rate, (S122 to S123); (j) When a refund of the electronic money stored in the safe deposit box occurs in the electronic money storing apparatus 300, authentication is performed, and when the normal authentication is performed, the electronic money stored in the safe deposit box is transferred to the account designated by the user, And a step of refunding money (S123 to S124).

A simple payment method between the multi-electronic wallet prepaid card and the hub code-based electronic wallet according to the preferred embodiment of the present invention will be described in detail as follows.

First, a user who wants to use the electronic money provides the information of the prepaid card 100 and the information of the smartphone 200 to the electronic money storage apparatus 300 and requests registration. The electronic money storing apparatus 300 performs a registration procedure and creates a safe deposit account when registration is made normally. The user transfers the charge amount to the electronic money storing apparatus 300 using a method such as bank transfer or PIN tech.

In addition, when the user prepares the prepaid card 100 through the transportation terminal mounted on the transportation means, the user contacts the prepaid card 100 with the transportation terminal. Then, the payment is made in the traffic terminal using the money charged in the prepaid card 100 in the same manner as the method of payment using the general transportation card.

On the other hand, when the prepaid card 100 is used to make a payment at an affiliated shop or the like, the user connects the prepaid card 100 with his / her own smartphone 200 as in step S101. The communication unit 230 of the smart phone 200 communicates with the prepaid card 100 using the NFC communication method.

When the communication unit 230 detects connection of the prepaid card 100 in step S102, the prepaid card information acquisition module 221 of the smartphone 200 transmits the information stored in the prepaid card 100 through the communication unit 230 . Based on the thus obtained pre-paid card information, the controller 220 automatically executes the safe deposit box application stored in the safe deposit box application storage unit 210 in step S102. Here, the secure safe application refers to an application for separately storing electronic money in an electronic money storage device such as a server and performing settlement using electronic money stored in the electronic money storage device by using a prepaid card and a smart phone. Through this safe deposit box application, various functions such as charging, heterogeneous currency exchange, refund, and electronic money balance transfer are carried out. This makes it possible to solve the inconvenience that the user operates the smart phone 200 to execute a specific application.

Next, in a state in which the safe deposit box application is automatically executed, in step S103, the authentication module 222 generates authentication information for login and transmits the authentication information to the electronic money storing apparatus 300. [ Here, the authentication information for log-in is the combination information of the information confirmed through the physical contact between the prepaid card 100 and the smartphone 200. For example, it may be smart phone number information and authentication key information of a prepaid card.

When the authentication information for log-in is transmitted in step S104, the electronic money storage apparatus 300 confirms whether it is normal authentication information by comparing the information of the registered prepaid card with the received authentication information. As a result of the confirmation, if the authentication information is normal, authentication information indicating that authentication is normally performed is transmitted to the smartphone 200.

Next, the electronic money storage apparatus 300 recognizes the prepaid card using the login information in step S105, and confirms the state of the recognized prepaid card. Here, the status of the prepaid card is a procedure for confirming whether it is a prepaid card registered as a normal or a lost prepaid card. When the user loses the prepaid card registered by himself / herself, he / she reports it to the electronic money storage apparatus 300. Then, the card management module 305 of the electronic money storing apparatus 300 registers the prepaid card as a lost card in the database. Based on the registration information, it is possible to confirm in real time whether the card is a registration card or a lost card.

If it is determined that the card information is a lost card, the lost card information is transmitted to the smart phone 200 in step S106, and automatically logged out to prevent unauthorized use of the lost prepaid card. The confirmation information of the prepaid card is displayed on the screen through the display unit 240 of the smartphone 200 in step S107. With this security function, even when the user loses the prepaid card, the electronic money charged in the safe can be prevented from being stolen.

If the pre-paid card is a registered normal available card, the user purchases the goods at the merchant or the like, and requests payment using the smartphone 200 in which the safe deposit box application is executed in step S108.

When the payment request is generated, the hub code generating module 309 of the electronic money storing apparatus 300 generates a disposable bar code using the prepaid card information and the smart phone number information in step S109 and transmits the disposable bar code to the smart phone 200 (S125 ). The disposable bar code generated here is called "hub code ". The generated hub code is disposable, and once it is used, it is impossible to be reused in the future, and the security is very strong.

The generated hub code is displayed on the display unit 240 of the smartphone 200, and the payment terminal 400 reads the hub code in step S110. Here, it is assumed that the payment terminal 400 is basically equipped with a barcode reader capable of reading a barcode. Barcode reader is a universal reader that can read barcodes attached to general merchandise. The smartphone 200 generates a hub code, which is a disposable bar code, and transmits the generated hub code to the electronic money storage apparatus 300. The hub code will be used for future payments.

Next, in step S111, the payment terminal 400 reads the hub code displayed on the smartphone 200, and accesses the electronic money storage apparatus 300 on the basis of the read hub code to request payment. The payment request includes the information of the hub code and the payment amount.

The electronic money storing apparatus 300 performs user authentication (or prepaid card authentication) based on the transmitted hub code reading information when the payment terminal 400 requests payment at step S112. If the authentication is normally performed, the payment module 308 makes a payment using the electronic money stored in the electronic money storage module 303. If payment is normally performed, the payment completion information is transmitted to the payment terminal 400 and the smartphone 200. It is preferable that the payment completion information transmitted to the smart phone 200 includes electronic money balance information.

In another aspect of the present invention, the user can freely charge the prepaid card 100 through interlocking between the prepaid card 100 and the smartphone 200 and the electronic money storage device 300. [ For example, in step S113, the user who has issued the prepaid card 100 requests the electronic money storage apparatus 300, which functions as a safe deposit box, to charge the electronic money. In accordance with the charging request, the electronic money storing apparatus 300 transmits electronic money to be charged through the smartphone 200 in a transfer mode in step S114, and in step S116, the smartphone 200 and the prepaid card 100 are interlocked And prepares electronic money on the prepaid card 100 carried by the user. This prepaid card can be charged at any time in real time using a smart phone. Therefore, it is not necessary for the user to carry cash, and it is not necessary to charge the prepaid card 100 with a large amount of money. Especially, by storing the electronic money in the electronic money storage apparatus 300 as the security deposit and transferring the necessary amount to the prepaid card 100, it is possible to prevent cash loss caused by carrying a lot of cash.

On the other hand, another feature of the present invention is that a user can conveniently charge the electronic money in the safe. For example, in step S117 and step S118, when the user wishes to charge the electronic money storage device 300, which is a safety deposit box, the user connects to the electronic money storage device 300 using the smart phone 200 or other personal computer do. Thereafter, the transfer amount is transferred to the electronic cash storage unit 300 through a transfer method such as a bank transfer using a bank network or a PIN tech transfer. The electronic money charging module 306 of the electronic money storing apparatus 300 charges the transferred money to the electronic money storing module 303 with electronic money. Here, the electronic money storage module 303 preferably stores electronic money of each user in a virtual account format. Therefore, the user can conveniently charge the electronic money in the safety deposit box by using online. The electronic money charged in the safety deposit box can be conveniently transferred to the prepaid card 100 through interlocking with the smartphone 200 to charge the prepaid card 100. For example, when the prepaid card 100 is charged with electronic money, the charging module 225 of the smartphone 200 and the electronic money transfer module 302 of the electronic money storage device 300 are interlocked with each other. If the electronic money required by the charging module 225 is stored in the electronic money storage module 303 in the electronic money transfer module 302, if the electronic money is sufficient, the prepaid card 100 To charge the electronic money. If the electronic money stored in the electronic money storage module 303 is insufficient, the user notifies the stored electronic money amount so that the user can recharge the electronic money or reset the transfer money amount.

On the other hand, the above-mentioned payment method is a case in which the electronic money balance of a specific electronic money company is sufficient. If the electronic money balance of a certain electronic money company is insufficient, the payment is not made due to the lack of balance in the past. Here, the electronic money means an electronic purse corresponding to the prepaid card held.

As another feature of the present invention, when the balance of a specific electronic money company is insufficient as described above, the electronic money of each electronic money company is integrated and the settlement is performed by using the electronic money. For example, when the balance of the specific electronic money money is insufficient in the steps S119 and S120, the electronic money balance integration module 304 consolidates the balances of the respective electronic money notes stored in the electronic money saving module 303 as the safe deposit box. If the integrated electronic money balance is larger than the payment amount requested by the payment terminal 400, the settlement module 308 is notified. The payment module 308 performs settlement using the above-mentioned payment method.

In another aspect of the present invention, heterogeneous currency exchange is possible. Here, different kinds of money mean different currencies such as Korean won, Yuan, dollar, yen, and euro. For example, in step S121, it is assumed that the prepaid card 100 is used in the Republic of Korea and is settled in the Korean currency, and the currency to be stored in the safe is USD. Then, in step S122, the heterogeneous currency exchange module 307 accesses a bank or the like to acquire exchange rate information of the current time. Then, the transferred dollars are converted into the won in terms of the above exchange rates. The currency thus converted is stored in the electronic money storage module 303 as electronic money again. In this way, the present invention freely exchanges the foreign currency. If the bank's network is not available, exchange can be made based on the exchange rate obtained at the closing time of the bank on the day.

In addition, according to another feature of the present invention, the electronic money stored in the safe can be refunded. For example, in step S123, the user requests a refund to the electronic money storage apparatus 300 using the smart phone 200 or a personal computer. It is advisable to register a transfer account when requesting a refund. If a refund is requested, the payment module 308 performs user authentication in step S124 and controls the electronic money stored in the electronic money storing module 303 to be transferred to the account registered by the user when the user authentication is normally performed. It is preferable that the electronic money transfer is performed through the electronic money transfer module 302. As a result, the user can freely refund the electronic money registered as the electronic money as needed.

Although the present invention has been described in detail with reference to the above embodiments, it is needless to say that the present invention is not limited to the above-described embodiments, and various modifications may be made without departing from the spirit of the present invention.

The present invention is effectively applied to a technology for secure settlement through a smart phone, a prepaid card, and an electronic money storage device.

100: Prepaid card
200: Smartphone
210: secure safe application storage
220:
221: Prepaid card information acquisition module
222: application execution module
223: Card status determination module
225: Charging module
226: Payment module
230:
240:
300: Electronic money storage device
301: Approval module
302: electronic money transfer module
303: Electronic money storage module
304: Electronic money balance integration module
305: Card management module
306: electronic money charging module
307: Heterogeneous currency exchange module
308: Payment module
309: Hub code generation module
400: Payment terminal

Claims (13)

A prepaid card with a multi-electronic wallet function inserted with an issuer unique authentication key;
A smart card which automatically executes a safe deposit box application when the prepaid card is close, transmits a hub code to a payment terminal at the time of settlement, checks the state of the prepaid card in cooperation with the electronic money storage device, pawn; And
Stores the electronic money corresponding to the prepaid card in the safe deposit box, generates a hub code upon payment and transmits the generated electronic coupon to the smartphone, creates a virtual electronic wallet corresponding to the prepaid card, The electronic money storing apparatus comprising:
The hub code is a disposable bar code generated by combining smart phone number information and prepaid card information,
Wherein the electronic money storage device is an approval module that interlocks with the smartphone and authenticates the prepaid card based on the registration information when login information is transmitted; A card management module for checking the status of the prepaid card requested to log in and transmitting the card status information to the smartphone; An electronic money storage module serving as a safe for storing electronic money; A hub code generation module that generates a hub code that is a disposable bar code for payment upon payment request; And a payment module for performing settlement with the electronic money stored in the electronic money storing module based on the disposable bar code in cooperation with the payment terminal when a payment is requested,
Wherein the electronic money storage device includes an electronic money transfer module for transferring electronic money stored in the electronic money storage module to the prepaid card in a transfer method when charging the prepaid card by the smartphone,
An electronic money balance integration module for integrating the balances of the electronic money accounts stored in the electronic money saving module to perform settlement when a payment request through the hub code is insufficient, when the balance of the electronic money money is insufficient; And an electronic money charging module for charging the electronic money to the electronic money storing module via a bank transfer or a PIN tech. Based payment system.
delete The smartphone of claim 1, wherein the smartphone comprises: a prepaid card information acquisition module for acquiring information of a prepaid card when a prepaid card is connected; An application execution module for executing a secure safe application automatically stored when the prepaid card is connected, generating login information and transmitting the login information to the electronic money storage device; And a card state determination module for determining a state of the prepaid card linked with the electronic money storage device and connected,
Wherein the state of the prepaid card includes at least one of a normal card state and a lost card state.
The smartphone according to claim 1, wherein the smartphone comprises: a charging module for charging the prepaid card with electronic money stored in the safe deposit box in cooperation with the electronic money storage device when charging is requested; And a payment module for transferring the disposable bar code to the payment terminal to request payment. The multi-purse wireless prepaid card and the hub code-based electronic purse according to claim 1,
delete The payment module transfers the electronic money stored in the electronic money storing module to an account designated by the user, when authentication is requested and when the normal authentication is performed, the electronic money stored in the safe deposit box is authenticated. A simple payment device between an electronic wallet prepaid card and a hub code based electronic wallet.
delete delete The multi-electronic wallet prepaid card according to claim 1, wherein the electronic money storage device further comprises a heterogeneous currency exchange module for exchanging electronic money through transfer of the value of the heterogeneous currency according to a request for a heterogeneous currency exchange on-line, Easy payment device between hub code based electronic wallet.
(a) automatically executing a safe deposit box application when a prepaid card is connected to a smartphone, and transmitting login information for authentication to an electronic money storage device;
(b) checking status information of the prepaid card requested to be logged in the electronic money storage device, and transmitting the confirmed status information of the prepaid card to the smartphone;
(c) displaying status information of the prepaid card received from the smartphone;
(d) generating a hub code, which is a disposable bar code for payment when a payment request is made in the electronic money storing apparatus, and transmitting the generated hub code to the smart phone;
(e) performing settlement based on the hub code when payment is requested from the payment terminal in the electronic money storing device;
(f) charging the prepaid card with the electronic money stored in the safe box when the electronic money storage device requests the charging of the prepaid card from the smartphone;
(g) filling the safe deposit box with electronic money through a bank transfer or a PIN tech exchange when a request for charging the safe deposit box occurs in the electronic money storage device; And
(h) performing settlement by integrating balances of respective electronic money stock stored in the safe deposit box when a shortage of a specific electronic money stock occurs at the time of occurrence of payment in the electronic money storing apparatus,
Wherein the disposable bar code is generated by a combination of smart phone number information and pre-paid card information, which is information about a heartbeat stored in a smart phone, and a simple payment method between the prepaid card and the hub code-based electronic wallet.
delete The method of claim 10, further comprising: (i) receiving the exchange rate of the foreign currency through the interworking with the bank when the exchange request of the foreign currency is made in the electronic money storing apparatus, exchanging the foreign currency into electronic money according to the received exchange rate, The method of claim 1, further comprising the steps of:
The method of claim 10, further comprising the step of: (j) refunding the electronic money stored in the safe deposit box in the electronic money storing apparatus, and if the normal authentication is performed, transferring the electronic money stored in the safe deposit box to the account designated by the user, The method of claim 1, further comprising the steps of:

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