KR101140639B1 - IC Card, Mobile Devices, Information Storing Medium, System and Method for Processing Exchange and Recording Medium - Google Patents

Abstract

The present invention relates to a method and system for exchange of money, and the method for processing currency according to the present invention comprises at least one financial product information for at least one first currency and at least one second currency finance at a currency exchange terminal (and / or currency exchange server). Product information; . Corresponding to the exchange request from the customer's IC card (or electronic bank account or financial IC chip) having at least one or more N (N = 2,3,4..N) currency financial product information. Extracting and / or receiving financial product information for money exchange money withdrawal and financial product information for money transfer money; And a predetermined currency corresponding to the exchange request information in the financial product for withdrawal of the exchange money amount, in the exchange server (and / or exchange server) or the financial server corresponding to the IC card (or electronic bank account or financial IC chip) information. And withdrawing a predetermined amount of money, and performing a predetermined currency exchange process for depositing a predetermined amount corresponding to the exchange request information on the confirmed exchange money amount financial instrument.

Accordingly, during the exchange process, various exchange processes (for example, currency exchange, foreign currency deposits, foreign currency deposits, foreign currency transfers, etc.) can be carried out using a single card, and possess a plurality of cards (or accounts) for each currency type and / or financial product. You can solve the inconvenience.

Finance, Currency Exchange

Description

 Lee Card, wireless terminal, information storage medium and exchange method and system and recording medium using same {IC Card, Mobile Devices, Information Storing Medium, System and Method for Processing Exchange and Recording Medium}

1 is a view showing the functional configuration of an IC card according to a preferred embodiment of the present invention.

2 is a view showing the functional configuration of a wireless terminal according to a preferred embodiment of the present invention.

3 is a view showing a functional configuration of a currency exchange processing system according to a preferred embodiment of the present invention.

4 is a simple flowchart of a currency exchange process according to a preferred embodiment of the present invention.

5 is a simple flowchart of a currency exchange process according to another preferred embodiment of the present invention.

6 is a simple flowchart of a currency exchange process according to another preferred embodiment of the present invention.

7 is a simplified block diagram of an information storage medium according to a preferred embodiment of the present invention.

<Description of main parts of drawing>

100: IC card 105: interface

110: processor 115: memory

120: Financial product storage information

200: wireless terminal 205: control unit

210: processor 215: interface

220: output unit 225: key input unit

230: wireless processing unit 235: short-range communication unit

240: memory

300: money exchange terminal (or server) 305: information input unit

310: exchange unit 315: information transmission unit

320: storage medium 325: financial server

The present invention provides at least one financial product information for the first currency and at least one financial product information for the second currency. . . And a financial instrument for withdrawing a currency exchange amount from an IC card (or an electronic bankbook or a financial IC chip) of the foreign exchange request customer, which has at least one or more financial products for N (N = 2,3,4..N) currencies. The present invention relates to a currency exchange processing method and system for extracting and / or receiving financial information for depositing information and exchange money and performing currency exchange processing.

In general, when a customer goes out of the country, the exchange is to exchange the won for the currency of the relevant country (eg, dollars, yen, etc.). Or, after performing a currency exchange procedure on the Internet, it was common to print (print) and bring proof data (for example, currency exchange history, etc.), and then visit the branch office to receive a money exchange amount.

Therefore, in the conventional currency exchange service, the customer has to be inconvenient to visit the corresponding point in order to receive the money exchange request and / or money exchange request amount. And, if the exchange window is complicated, the customer had to take more time damages.

In addition, there was an inconvenience of having to carry out the exchange processing history until the exchange of money received, there was also the hassle to reprint if lost, it is time to find a more convenient and simple exchange service from the customer's point of view.

An object of the present invention is derived to solve the above problems, at least one financial product information for the first currency, at least one financial product information for the second currency, and. . IC card (or electronic bank account or financial IC chip) having at least one financial product information for N (N = 2,3,4..N) currency and the IC card (or electronic bank account or financial IC chip) ) After receiving the financial product information for the exchange money withdrawal and the financial product information for the money transfer, among the plurality of financial products provided in the The present invention provides a currency exchange processing system and a method including a server (or a terminal) for withdrawing an amount of money and depositing a predetermined amount corresponding to the currency exchange request in the financial product for depositing a money exchange amount.

Further, another object of the present invention is to provide predetermined currency exchange information, at least one financial product for the first currency, at least one financial product for the second currency,. . A client terminal for transmitting card (or account) information including at least one (N = 2,3,4..N) monetary instrument to a server (or terminal) on the network, and the card ( Or a plurality of financial products included in the card (or account) information by using the server (or terminal) for transmitting the information to the financial server corresponding to the account) information and the information provided from the server (or terminal). Confirm the financial products for withdrawal of the exchange money and the financial products for depositing the money, and check the soundness of the identified financial products for withdrawal of the money and / or the financial products for depositing the exchange money; Or a terminal), and a method of providing a currency exchange system including a financial server corresponding to the card (or account) information transmitted to the terminal.

Further, another object of the present invention is to provide predetermined currency exchange information, at least one financial product for the first currency, at least one financial product for the second currency,. . Client terminal for transmitting card (or account) information containing at least one (N = 2,3,4..N) monetary instrument to a server (or terminal) on the network and using the information Check the financial product for exchanging the exchange amount and the financial product for depositing the exchange amount among the plurality of financial products included in the card (or account) information; and corresponding to the exchange request information in the identified financial exchange for withdrawal amount And a server (or a terminal) for withdrawing a predetermined amount of money, and depositing a predetermined amount corresponding to the exchange request information into the identified money exchange money deposit financial product.

Still another object of the present invention is to provide an interface for processing predetermined data input / output, a first financial product storage area for first currency for storing first financial product information for first currency, and. . Stores the first N-th financial product storage area for storing the Nth (N = 1,2,3 ... N) financial product information for the first currency, and the first financial product information for the second currency. A storage area for the first financial instrument for the second currency; . ., An N-th financial product storage area for storing second N-th (N = 1,2,3 ... N) financial product information; . A first financial product storage area for Nth (N = 2,3 ... N) currency that stores first financial product information for Nth (N = 2,3 ... N) currency; . N, where N (N = 2,3 ... N) currency N (N = 1,2,3 ... N) stores financial instrument information N (N = 2,3 ... N) An IC chip having an Nth (N = 1, 2, 3 ... N) financial product storage area for money, and corresponding to a predetermined command input through the interface, wherein the plurality of IC chips are provided in the IC chip. The present invention provides an IC card including a processor for operating an application for accessing a specific financial product storage area among three financial product storage areas to input and / or output predetermined information.

Still another object of the present invention is to provide an interface for processing predetermined data transmission and reception, a first financial product storage area for first currency for storing first financial product information for first currency, and. . Stores the first N-th financial product storage area for storing the Nth (N = 1,2,3 ... N) financial product information for the first currency, and the first financial product information for the second currency. A storage area for the first financial instrument for the second currency; . ., An N-th financial product storage area for storing second N-th (N = 1,2,3 ... N) financial product information; . A first financial product storage area for Nth (N = 2,3 ... N) currency that stores first financial product information for Nth (N = 2,3 ... N) currency; . N, where N (N = 2,3 ... N) currency N (N = 1,2,3 ... N) stores financial instrument information N (N = 2,3 ... N) A memory having an Nth (N = 1,2,3 ... N) financial product storage area for money, and a specific financial product storage area among the plurality of financial product storage areas provided in the IC chip The present invention provides a wireless terminal including a processor for controlling input and / or output of predetermined information.

In order to achieve the above object, the present invention provides a currency exchange processing method corresponding to a predetermined exchange request, wherein at least one or more first currency financial product information and at least one or more second currency are exchanged at a currency exchange terminal (and / or currency exchange server). Financial product information, . Corresponding to the exchange request from the customer's IC card (or electronic bank account or financial IC chip) having at least one or more N (N = 2,3,4..N) currency financial product information. Extracting and / or receiving financial product information for withdrawal of money exchange money and financial product information for depositing money in exchange of money and corresponding to the information of the exchange terminal (and / or currency exchange server) or the IC card (or electronic bank account or financial IC chip) In the financial server, the withdrawal of the predetermined amount corresponding to the exchange request information from the identified money exchange money withdrawal financial products, and the predetermined amount corresponding to the money exchange request information to the confirmed money exchange money deposit Characterized in that it comprises the step of performing a predetermined currency exchange process to deposit.

According to the present invention, in the exchange server, through the wired or wireless communication network, the financial product information and the exchange money deposit for withdrawal of the exchange value corresponding to the exchange request from the IC card (or electronic bank account or financial IC chip) of the customer of the exchange request customer; It is characterized in that the financial product information is provided.

In addition, the present invention, the exchange terminal (and / or exchange server) in the IC card (or predetermined exchange request information corresponding to the exchange request, the financial product information for money exchange amount withdrawal and financial product information for money transfer amount) It may be configured to further include the step of transmitting to the financial server corresponding to the electronic bankbook or financial IC chip) information.

In addition, the present invention, the exchange request client and / or the IC card (or the exchange server (and / or exchange server) and / or the financial server corresponding to the IC card (or electronic bank account or financial IC chip) information) It may be configured to further include a step of authenticating the validity of the electronic bank account or financial IC chip.

In addition, the present invention, the municipal transfer argument and the internal accounting corresponding to the exchange processing in the financial server corresponding to the exchange terminal (and / or exchange server) and / or the IC card (or electronic bank account or financial IC chip) information It may be configured to further include performing a process.

Preferably, the currency exchange processing is characterized in that the exchange of money by applying a predetermined exchange rate corresponding to the currency type of the withdrawal amount and the amount of money to be deposited.

In addition, according to the present invention, the first to N-th currency is characterized by including each country-specific currency including at least one or more of the won, dollar, yen, euro, yuan.

In addition, the financial product is characterized in that it comprises at least one or more deposits, free and demand deposits, savings deposits, investment products.

In addition, the present invention according to another preferred method, in the exchange processing method corresponding to a predetermined exchange request, at least one financial product information for the first currency and at least one financial product information for the second currency at the exchange terminal Wow, . . Corresponding to the exchange request from the customer's IC card (or electronic bank account or financial IC chip) having at least one or more N (N = 2,3,4..N) currency financial product information. Extracting and / or receiving financial product information for withdrawing money and financial product information for depositing money, and at the currency exchange terminal, predetermined currency request information corresponding to the money exchange request and the amount of money exchanged and / or received Transmitting the financial product information for the withdrawal and the financial product information for depositing the exchange amount to a currency exchange server; and withdrawing the exchange amount from the exchange server or a financial server corresponding to the IC card (or electronic bank account or financial IC chip) information; Checking a financial product and a financial product for depositing a money exchange money, inquiring whether or not it is possible to process a currency corresponding to the money exchange request information, and transmitting the inquiry result to the money exchange terminal; Receiving the inquiry result from the exchange server or the financial server at the front end to determine the amount of money exchange processing deposit and withdrawal, and transmits the information on the money exchange processing deposit and withdrawal information to the money exchange server or the financial server, and the currency exchange server and / Or withdraws a predetermined amount from the money exchange money withdrawal financial product, deposits a predetermined amount into the money exchange money deposit financial product using the money exchange processing withdrawal amount information on a financial server, and then returns the result It may be configured to include a step of transmitting to the terminal, receiving the result at the exchange terminal to complete the exchange, and performing the test takeover and internal accounting processing.

In addition, the present invention, the financial server corresponding to the information on the IC card (or electronic bank account or financial IC chip) from the exchange server, the exchange application information, the financial product information for withdrawal of the exchange money amount and the financial product for money transfer And transmitting the information and / or transmitting the exchange processing deposit and withdrawal amount information determined in the exchange server to the financial server.

In addition, the present invention, the exchange request client and / or the IC card (or the exchange server (and / or exchange server) and / or the financial server corresponding to the IC card (or electronic bank account or financial IC chip) information) Electronic bank account or financial IC chip) may be configured to further include the step of authenticating.

In addition, the present invention according to another preferred method, in the exchange processing method, at the exchange server (and / or terminal) from the exchange request client, the predetermined exchange request information, at least one financial product for the first currency and at least One or more secondary currency financial instruments; . ... An information receiving step of receiving and / or selecting card (or account) information including at least one or more Nth (N = 2,3,4..N) financial instruments; and the exchange server (and / or Or a financial server corresponding to the card (or account) information or the financial server corresponding to the card (or account) information, the financial instrument for withdrawal of the exchange money and the money for depositing the money from among the plurality of financial products included in the card (or account) information. A predetermined information corresponding to the exchange request information in the financial product for withdrawal of the exchange money amount confirmed by the information confirmation step of confirming the product and the financial server corresponding to the exchange server (and / or terminal) or the card (or account) information; It may be configured to include a currency exchange processing step of withdrawing the amount, and depositing a predetermined amount corresponding to the exchange request information in the financial product for depositing the exchange money.

In addition, the present invention, the exchange server (and / or terminal) or at least one or more financial products information for the first currency to be included in the card (or account) from the client in the financial server, and at least one or more second currency Financial product information, . ... Selecting and / or receiving at least one financial product information for at least one (N = 2,3,4..N) currency and the selection and / or selection at the currency exchange server (and / or terminal) or the financial server; And / or using the inputted information, to generate card (or account) information to be issued to the client, card (or account) information including a plurality of financial instruments for a plurality of currency types corresponding to the received information. And the step of linking the generated card (or account) information with the client information in the currency exchange server (and / or terminal) or the financial server and storing the generated card (or account) information in a predetermined storage medium.

In addition, the present invention in the exchange server (and / or terminal) or the financial server corresponding to the card (or account) information by processing the card (or account) information and the plurality of financial product information in association with the client information It may be configured to further include an information storage step of storing in a predetermined storage medium.

Here, the information receiving step to the information checking step may be configured to further include an authentication step of authenticating the validity of the currency exchange client and / or the card (or account).

In addition, the present invention may be configured to further include the step of performing the transfer argument and the internal accounting processing corresponding to the exchange processing in the exchange server (and / or terminal) or the financial server.

The present invention may further include an information transmitting step of transmitting the information received through the information receiving step from the exchange server (and / or the terminal) to a financial server corresponding to the card (or account) information. Can be.

On the other hand, the present invention is characterized in that it comprises a recording medium, characterized in that the program for executing the above-described exchange processing method is recorded.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

1 is a view showing the functional configuration of the IC card 100 according to an embodiment of the present invention.

Referring to FIG. 1, the illustrated IC card 100 includes information on financial products for withdrawal of the exchange amount corresponding to the exchange request to the exchange terminal 300 and / or the exchange server 330 when the client exchanges money. Extracting and / or providing financial product information for depositing money in exchange money.

Preferably, the IC card 100 includes an interface 105 for processing predetermined data input and output, a first financial product storage area for storing first financial product information for the first currency, and. . Stores the first N-th financial product storage area for storing the Nth (N = 1,2,3 ... N) financial product information for the first currency, and the first financial product information for the second currency. A storage area for the first financial instrument for the second currency; . ., An N-th financial product storage area for storing second N-th (N = 1,2,3 ... N) financial product information; . A first financial product storage area for Nth (N = 2,3 ... N) currency that stores first financial product information for Nth (N = 2,3 ... N) currency; . N, where N (N = 2,3 ... N) currency N (N = 1,2,3 ... N) stores financial instrument information N (N = 2,3 ... N) The IC chip having the Nth (N = 1, 2, 3 ... N) financial product storage area 120 for money and the predetermined command input through the interface 105, the IC chip. And a processor 110 for operating an application for accessing a specific financial product storage area of the plurality of financial product storage areas 120 provided therein to input and / or output predetermined information.

More specifically, referring to standards including ISO / IEC 7816 and / or ISO / IEC 14443, the IC chip of the IC card 100 may include a power supply (VCC), a reset signal (RST), a clock signal ( Communicating (e.g., command or data exchange) with the aforementioned client terminal and / or exchange terminal 300 through contact points such as CLK, ground (GND), programming power supply (VPP), and / or input / output (I / O), and the like. Etc.), a processor 110 including at least one computing element including a central process unit (CPU), a micro process unit (MPU), and / or a coprocessor, and a ROM ( The memory 115 may include at least one memory device including a read only memory (RAM), a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM), a flash memory (FM), and the like.

The at least one memory device (eg, a ROM) may store a Chip Operating System (COS) for managing and operating an IC card internal resource, and supplying power to the input / output interface 105 (VCC). When a predetermined power is supplied from the client terminal and / or exchange terminal 300 through a contact point, the COS stored in the memory 115 may be loaded into a predetermined execution memory to control the overall operation of the IC chip. .

In addition, the COS is connected between the IC chip and the client terminal (and / or exchange terminal) through an APDU (Application Protocol Data Unit) based on a clock frequency (eg, 3.57 MHz or 4.9 MHz) of the clock signal CLK contact point. You can control the exchange of information or data.

According to a preferred embodiment of the present invention, the memory 115 of the IC chip includes a first financial product storage area for storing first financial product information for the first currency; . Stores the first N-th financial product storage area for storing the Nth (N = 1,2,3 ... N) financial product information for the first currency, and the first financial product information for the second currency. A storage area for the first financial instrument for the second currency; . ., An N-th financial product storage area for storing second N-th (N = 1,2,3 ... N) financial product information; . A first financial product storage area for Nth (N = 2,3 ... N) currency that stores first financial product information for Nth (N = 2,3 ... N) currency; . N, where N (N = 2,3 ... N) currency N (N = 1,2,3 ... N) stores financial instrument information N (N = 2,3 ... N) ) N (N = 1, 2, 3 ... N) for the financial instrument storage area 120, the plurality of financial product storage area 120 may be stored separately for this purpose, The display device may further include a predetermined barrier for separating the plurality of financial product storage areas 120.

Further, according to the present invention, the plurality of financial product storage information 120 mounted on the IC chip includes a financial product for withdrawal of the exchange amount and / or a financial product for depositing the exchange amount when the client requests for exchange. can do.

In addition, the plurality of financial product storage information 120 stored in the memory 115 is driven or executed by the operation function of the processor 110 and the instruction set provided by the COS, and operates according to the present invention. When the application and the exchange money payment request are requested, the program routine (for example, Java applet in the case of Javacard) used by the program provided in the client terminal and / or currency exchange terminal 300 is used. It may include a processing unit corresponding to an application including an instruction call code that interacts with the instruction set and execution code that is processed by the processor.

In addition, although not shown in FIG. 1, the memory 115 may further include a processing unit and a data storage unit for processing the stored storage information 120, wherein the processing unit may include APDU (Application Protocol Data). A command provided from a program provided in the client terminal and / or a currency exchange terminal via the input / output interface through a unit, and based on the read command, at least one or more information stored in a data storage unit of the memory; or Data may be read or recorded, and the result or read information or data may be provided to a program provided in the client terminal and / or exchange terminal 300 via the input / output interface through an APDU.

In addition, the data storage unit is read by the exchange terminal 300 and / or a program provided in the client terminal in order to process the plurality of financial product storage information 120 stored in the memory 115, and / or A data set corresponding to predetermined information or data to be used can be stored.

In addition, the memory 115 of the IC chip preferably includes a security structure based on ISO / IEC 10202. The memory includes a protection area in which secret information such as a chip serial number (CSN) is stored, and a COS control. It can be formed by area, user application area, read / write access area, application program area, and FAT (File Allocation Table) management area. And / or a plurality of financial product storage information 120 mounted to provide a financial product for depositing a money exchange amount is preferably stored in a region excluding the protection area and the COS control area.

In addition, although not shown in FIG. 1, with reference to ISO / IEC 7816 and / or ISO / IEC 14443 ICC standards, the exchange processing history (and / or the currency corresponding to the exchange processing history) stored in the memory 115 is described. Amount Receiving Code) The stored information includes one master file (MF) corresponding to a root file and function information on at least one stored information under the master file. ), At least one dedicated file (DF) corresponding to each ICC stored information, and an element file disposed under the dedicated file and containing substantial information and / or data for a smart card service. It can be configured to include a file structure consisting of File (EF).

2 is a view showing the functional configuration of a wireless terminal 200 according to a preferred embodiment of the present invention.

In more detail, FIG. 2 is a simple functional configuration diagram of a wireless terminal 200 for storing a plurality of financial product information. The wireless terminal 200 shown in FIG. 2 is a currency exchange server 330 or a currency exchange terminal via a wireless network. At 300 may be requested to exchange.

In addition, when a predetermined short-range data communication is possible with the exchange terminal 300, the wireless terminal 200 transmits a plurality of stored financial product information to the exchange terminal 300 through the data communication to request a currency exchange process. Can be.

Referring to FIG. 2, the illustrated wireless terminal 200 includes an interface 215 for processing predetermined data transmission and reception and a first financial product storage area for storing first financial product information for the first currency. And,. . Stores the first N-th financial product storage area for storing the Nth (N = 1,2,3 ... N) financial product information for the first currency, and the first financial product information for the second currency. A storage area for the first financial instrument for the second currency; . ., An N-th financial product storage area for storing second N-th (N = 1,2,3 ... N) financial product information; . A first financial product storage area for Nth (N = 2,3 ... N) currency that stores first financial product information for Nth (N = 2,3 ... N) currency; . N, where N (N = 2,3 ... N) currency N (N = 1,2,3 ... N) stores financial instrument information N (N = 2,3 ... N) A memory 240 having a currency N (N = 1, 2, 3 ... N) financial product storage area, and the plurality of financial products stored in the memory 240 (or IC chip); And a processor 210 for controlling to input and / or output predetermined information by accessing a specific financial product storage area of the area.

In addition, the wireless terminal 200, by controlling and managing the overall operation of at least one or more functional components provided in the wireless terminal 200, the exchange server 330 and / or exchange terminal 300 in accordance with the present invention And a control unit 205 for performing a currency exchange function in conjunction with an external device, a liquid crystal display (LCD) driver for outputting a predetermined screen, and the currency exchange server 330 and / or the exchange terminal 300. And an output unit 220 for outputting various information, signals, and / or contents which are processed and / or extracted and / or generated in the process of performing a currency exchange function in conjunction with Key), a keypad (Keypad) consisting of a character key (Character Key) and / or at least one function key (Function Key), in conjunction with the exchange server 330 and / or exchange terminal 300 The keypad in the process of performing a currency exchange function A key input unit 225 for reading predetermined information or a signal corresponding thereto from at least one or more key data input from the keypad (for example, reading from a table storing information or a signal matching the key data), and the currency exchange In order to communicate with the server 330 and / or exchange terminal 300 and / or to transmit and receive a predetermined information, the wireless terminal 200 and the exchange server 330 and / or exchange terminal 300 on a wireless network network Based on the wireless processor 230 for setting a route, a predetermined terminal (for example, a money exchange terminal, etc.) having at least one short range wireless communication function and having the same short range wireless communication, and a protocol defined in the corresponding short range wireless communication means. Further, a short-range communication unit 235 for transmitting and receiving a predetermined wireless message (eg, a currency exchange application and / or a currency exchange withdrawal financial instrument (and / or a currency exchange deposit financial instrument)). Comparison may be made.

According to a preferred embodiment, the at least one short-range wireless communication function provided by the short-range communication unit 235 is infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth) communication, Wireless LAN (Wireless LAN) communication Preferably, at least one Wi-Fi communication, ZigBee communication, UWB communication.

According to a preferred embodiment, the illustrated control unit 205 includes an interface 215 for processing the predetermined data transmission and reception, and a plurality of stored in the memory 240 (or IC chip) in association with the interface 215. The processor 210 may be provided to control providing the financial instrument information data to the predetermined exchange server 330 and / or the exchange terminal 300.

Preferably, the plurality of financial instrument information data processed through the interface 215 may be encrypted (or digitally signed) based on a wireless public key infrastructure (WPKI).

Referring to the drawings, a memory 240 in which a plurality of financial product information data according to the present invention is stored is a predetermined program routine (or code) and / or program for controlling the overall operation of the wireless terminal 200. A general term for a memory device that stores data (for example, information and / or data input and output when an operation by a program routine (or code) is performed). The read only memory (ROM) corresponding to the read-only memory and the read / write Flash memory (FM), and EEPROM (Electrically Erasable and Programmable Read Only Memory), and the like.

In addition, when the exchange application according to the present invention, the memory 240 is stored in the wireless terminal 200 that stores a plurality of financial product information including the exchange value withdrawal financial product information and / or the exchange amount deposited financial product information Or it may include a removable IC chip, wherein the IC chip is preferably configured with reference to the IC chip standards and EMV standards, including ISO / IEC 7816 and / or ISO / IEC 14443.

3 is a view showing a functional configuration of a currency exchange processing system according to a preferred embodiment of the present invention.

Referring to FIG. 3, the illustrated currency exchange processing system includes at least one financial product information for at least one first currency, at least one financial product information for a second currency, and. . IC card 100 (or electronic bankbook or financial IC chip) having at least one or more financial information for N (N = 2,3,4..N) currency and the IC card 100 (or Electronic financial account or financial IC chip) of the plurality of financial products equipped with the financial product information for the exchange amount withdrawal corresponding to the exchange request and the financial product information for depositing the exchange amount after receiving the input, It comprises a server 330 or the terminal 300 to withdraw a predetermined amount corresponding to the currency exchange request, and to deposit a predetermined amount corresponding to the currency exchange request in the financial product for money exchange money transfer. do.

Here, the server 330 or the terminal 300 to exchange the currency by applying a predetermined exchange rate corresponding to the currency of the withdrawal amount and the currency of the amount to be deposited, the IC card 100 (or Transfer the information to a financial institution server that has issued an electronic bankbook or a financial IC chip, and withdraws a predetermined amount corresponding to the exchange request from the financial instrument for withdrawal of the exchange money; Characterized in that a predetermined amount of money corresponding to the exchange request.

In addition, the financial product stored in the IC card 100 may include at least one or more deposit products, free and demand deposit products, savings deposit products, and investment products.

In addition, according to another embodiment of the present invention, the currency exchange processing system, predetermined currency exchange information, at least one financial product for the first currency, at least one financial product for the second currency,. . And a client terminal for transmitting card (or account) information including at least one (N = 2,3,4..N) currency financial instrument to a server 330 or a terminal 300 on a network. By using the information provided from the server 330 or the terminal 300 and the server 330 or the terminal 300 for transmitting the information to the financial server corresponding to the card (or account) information, the card ( Or an account) confirms a financial product for withdrawal of exchange money and a currency for depositing money from among the plurality of financial products included in the information, and checks the identified financial product for withdrawing money and / or the financial instrument for depositing the exchange money. The financial server 325 corresponding to the health information of the card (or account) information for transmitting the inquiry result to the server 330 or the terminal 300 may be made.

Here, the server 330 or the terminal 300 receives an inquiry result about the soundness of the financial product for the money exchange money transfer from the financial server 325 to determine the money exchange processing deposit and withdrawal amount, and the determined money exchange The processing deposit and withdrawal amount information may be transmitted to the financial server 325.

In addition, the financial server 325 withdraws a predetermined amount from the currency exchange withdrawal financial product by using the information on the money exchange processing withdrawal amount information, and deposits a predetermined amount into the financial product for money exchange money deposit, The result may be transmitted to the server 330 or the terminal 300.

In addition, according to another preferred embodiment of the present invention, the illustrated currency exchange processing system comprises: predetermined currency exchange information, at least one financial product for the first currency, at least one financial product for the second currency,. . A client terminal for transmitting card (or account) information including at least one (N = 2,3,4..N) currency financial instrument to a server 330 or a terminal 300 on a network; Using the information, the financial product for the exchange of money withdrawal amount and the financial product for the money transfer of money from among the plurality of financial products included in the card (or account) information is identified, and the currency exchange is performed in the identified currency exchange money withdrawal financial product. It may include a server 330 or the terminal 300 withdraws a predetermined amount corresponding to the application information, and deposits a predetermined amount corresponding to the exchange request information in the financial product for depositing the exchange money. .

Here, the currency exchange processing system may further include a storage medium 320 for storing the card (or account) information in association with the client information.

The server 330 or the terminal 300 to the financial server 325 may authenticate the validity of the exchange request client and / or the card (or account), and correspond to the exchange process. Municipal acquisitions and internal accounting can be carried out.

In addition, the server 330 or the terminal 300 to the financial server 325, characterized in that the exchange processing by applying a predetermined exchange rate corresponding to the currency type of the withdrawal amount of money and the amount of money to be deposited. do.

In addition, the client terminal shown is characterized in that it comprises a wired terminal and / or a wireless terminal.

In addition, according to the present invention, the card (or account) may include at least one or more financial IC chip that is mounted on or detached from the MS card, IC card, electronic bank account, wireless terminal.

4 is a simple flowchart of a currency exchange process according to a preferred embodiment of the present invention.

4 illustrates the withdrawal of a currency exchange amount included in the financial product information using a plurality of financial product information stored in the IC card 100 shown in FIG. 1 and / or the wireless terminal 200 shown in FIG. It relates to a process in which currency exchange processing is performed through the financial instrument information and / or the financial instrument information for deposit.

Referring to FIG. 4, when a client terminal accesses a currency exchange server 330 through a wired or wireless network and requests a currency exchange process (400), the exchange server 330 may perform predetermined authentication on the connected client. 405.

In this case, the authentication process may be possible by confirming a unique ID and / or a unique identification code of the client and / or checking IC chip information stored in the IC card 100 or the wireless terminal 200.

When the authentication is completed (410), the client terminal checks the exchange value withdrawal / deposit financial product information stored in the IC card 100 in conjunction with the IC card 100, a plurality of financial product information is stored in the exchange server ( And transmits to 330.

According to the present invention, the exchange server 330 receives the identified exchange money withdrawal financial product and exchange money payment financial product information and exchange request information from the client terminal (420), the exchange money transmitted from the client terminal The validity of the withdrawal financial instrument and the exchange money deposit financial instrument information and the exchange application information is checked (425).

If the validation of the exchange rate withdrawal financial product and the exchange amount payment financial product information and exchange request information fails (430), the exchange server 330 transmits a currency exchange failure message to the client terminal (435). .

On the other hand, if the validity authentication for the information is successfully performed (440), the currency exchange server 330 refers to the received money exchange money withdrawal financial products, withdraw a money exchange amount corresponding to the money exchange request information (445).

Then, the exchange server 330 performs a currency exchange process based on the received money exchange request information, and deposits the money exchanged amount into the money transfer money financial product (450).

In addition, the exchange server 330 may notify the client of the details of the exchange processing (455), and may perform the test takeover and internal accounting processing according to the exchange.

5 is a simple flowchart of a currency exchange process according to another preferred embodiment of the present invention.

5 is a filing application for exchange through the exchange terminal 300 interoperating with the IC card 100 (or the wireless terminal 200) including a plurality of financial product information, and withdraw money required to exchange money By providing the product information and the financial product information for the exchange amount of money, the exchange process corresponding to the exchange request is carried out through the exchange server 330 on the network.

Referring to FIG. 5, a predetermined data communication path is established between the exchange terminal 300 and the IC card 100 including a plurality of financial product information (500), and the IC card ( It may be initiated from the process of performing the validity authentication for the 100) (505).

Here, the data communication between the exchange terminal 300 and the IC card 100, as described above, Infrared Ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth) communication, Wireless LAN (Wireless LAN) It is preferable to include at least one communication, Wi-Fi communication, ZigBee communication, UWB communication.

When the validity of the IC card 100 is authenticated, the exchange terminal 300 extracts the exchange value withdrawal financial product information and the exchange amount deposit financial product information according to the present invention from the IC card 100, and exchanges the money. The application information, the extracted exchange money withdrawal financial product information and the exchange money transfer financial product information are transmitted to the exchange server 330 on the network.

In addition, the exchange server 330 checks the exchange money withdrawal financial product information and the money transfer financial product information to check whether the exchange can be processed, depending on the results of the exchange process, if the exchange process is not possible In addition, the exchange terminal 300 may transmit a result of the exchange processing failure inquiry.

On the other hand, if the exchange process is possible, the exchange server 330 transmits an inquiry result including exchange processing information to the exchange terminal 300, the exchange terminal 300 with reference to the inquiry result, The exchange processing deposit and withdrawal amount is determined and transmitted to the exchange server 330.

In addition, the exchange server 330 withdraws the amount of money to be exchanged from the exchange money withdrawal financial products with reference to the transferred money exchange processing withdrawal amount information, and performs a currency exchange processing according to the exchange application information.

The exchange server 330 deposits the exchanged money amount into the exchange money deposit financial product, and transmits the currency exchange history to the currency exchange terminal 300.

6 is a simple flowchart of a currency exchange process according to another preferred embodiment of the present invention.

6 is provided with card (or account) information including a plurality of financial product information for a plurality of currency types of a client on a network, or a plurality of financial product information for a plurality of currency types, for the client card (or account) information. Stored in association with, the process of using the customer's card (or account) a variety of exchange processing is carried out.

Referring to FIG. 6, it may be started from a process of requesting a currency exchange process by accessing a currency exchange server 330 through a wired or wireless network at a client terminal (600).

Preferably, the exchange server connection process of the client terminal may further include a predetermined authentication process.

The currency exchange server 330 checks whether a card (or account) including a plurality of financial product information for each of the plurality of currency types associated with the client information exists, and, if the plurality of currency types associated with the client information exist, If the plurality of financial product information does not exist in the storage medium 320 or the like, the currency exchange server 330 may receive at least one or more specific financial product information for the currency to be included in the card (or account) from the client terminal. .

In addition, the currency exchange server 330 generates card (or account) information including the received at least one financial product information for the specific currency, by linking the generated card (or account) information with the client information Stored in a predetermined storage medium 320.

On the other hand, if there is a plurality of financial product information for a plurality of currency types associated with the client information, the exchange server 330 is a card (or account) containing a plurality of financial product information for a plurality of currency types from the client terminal Select or receive information.

Then, the exchange server 330 checks the exchange rate withdrawal financial product information and the exchange amount payment financial product information of the plurality of financial products for each of the plurality of currencies corresponding to the received card (or account) information, the client terminal With reference to the exchange request information sent from, withdraw the amount of money to be exchanged in the identified money exchange money withdrawal financial products.

The currency exchange server 330 performs a currency exchange process by applying a predetermined exchange rate corresponding to the currency type of the withdrawn money and the currency type of the money to be deposited, and converts the money exchanged amount from the currency exchange server 330. Depositing the money exchange money in the financial product, the currency exchange process according to the present invention is completed.

Preferably, the exchange server 330 may be notified by transmitting the exchange process details according to the exchange process to the client terminal.

7 is a simplified block diagram of an information storage medium 320 according to a preferred embodiment of the present invention.

7 is an information storage medium for storing a plurality of financial product information for each of a plurality of currencies according to the present invention, the storage medium 320 is shown in the exchange server 330 and / or exchange terminal 300 And / or on a network.

In addition, it is noted that the storage medium 320 may be replaced with an IC chip of the IC card 100 or a memory (or IC chip) of the wireless terminal 200 illustrated in FIGS. 1 and 2.

Referring to FIG. 7, the illustrated storage medium 320 stores at least one financial instrument information data file for storing at least one financial instrument information for the first currency and at least one financial instrument information for the second currency. Nth (N = 2,3,4..N) storing the financial product information data file for the second currency and at least one (N = 2,3,4..N) A financial instrument information data file for money, a card (and / or account) information data file for storing card (and / or account) information associated with the plurality of financial instrument information data files, and the card (and / or account) ) May be configured to include a customer information data file that stores proprietary customer information.

In addition, the plurality of financial product information data files, the card (and / or account) information data file and the customer information data file included in the storage medium 320 may be stored in a cooperative process.

In addition, according to the present invention, the first to N-th currency, characterized in that comprises a currency for each country including at least one or more of the won, dollar, yen, euro, yuan.

In addition, the first to N-th financial products, deposit and withdrawal can be made of at least one deposit product, a demand deposit product, a savings deposit product, and at least one investment product.

According to the present invention, an IC card having a plurality of financial account (or financial product) information for a plurality of currency types is used, and / or a plurality of financial account (or financial product) information for a plurality of currency types is used as a client card (or account). By storing the information in association with the customer, there is an advantage in that a variety of exchange processing (for example, currency exchange, foreign currency deposit, foreign currency deposit, foreign currency transfer, etc.) is possible using a single card.

In addition, the customer can eliminate the inconvenience of having to carry a plurality of cards (or accounts) for each type of currency and / or financial products.

In addition, operators (for example, financial institutions, etc.) can eliminate the inconvenience of the customer was required to exchange money, can secure more money exchange customers, can take advantage of the increasingly increasing exchange service market have.

Claims (53)

An interface for processing data input and output; A first financial product storage area for storing first financial product information for the first currency and a first currency for storing N (N = 2,3 ... N) financial product information for the first currency Nth financial product storage area, a first financial product storage area for second currency for storing first financial product information for second currency, and Nth for second currency (N = 2,3 ... N) Nth financial product storage area for second currency, which stores financial product information, and Nth (N = 3 ... N), which stores first financial product information for Nth (N = 3 ... N) currency Nth (N = 3.N) stores the first financial product storage area for money and the Nth (N = 2,3 ... N) financial product information for Nth (N = 3 ... N). .N) an IC chip having a Nth (N = 2,3 ... N) financial product storage area for money; And And a processor operating an application for accessing a specific financial product storage area from among a plurality of financial product storage areas provided in the IC chip to input or output information in response to a command input through the interface. IC card made with. The method of claim 1, wherein the IC chip, And storing the plurality of financial product storage areas separately. The method of claim 1 or 2, wherein the IC chip, An IC card, characterized in that a defense wall for separating the plurality of financial product storage areas is provided. delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete

Images