SYSTEM AND METHOD FOR IDENTIFYING MULTIPLE TYPES OF ELECTRONIC MONEY, AND APPARATUS APPLIED THERETO

• US 20110276482A1
• Filed: 05/18/2010
• Published: 11/10/2011
• Est. Priority Date: 06/08/2009
• Status: Abandoned Application

• Current Assignee: SK Planet Co., Ltd. (SK Telecom Co., Ltd.)
• Original Assignee: SK Telecom Co., Ltd.
• Inventors: Kim, Jong Ho
• Application Number:
  US13/144,909
• Publication Number:
  US 20110276482A1
• Time in Patent Office: Days
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/381 Currency conversion

Abstract

The present disclosure relates to a system and method for identifying multiple types of electronic money, and an apparatus employing the same. The system for identifying multiple types of electronic money includes an electronic money terminal apparatus capable of identifying various types of electronic money and providing an electronic money service, including charging, payment, and transfer of electronic money

Claims

1. A system for identifying multiple types of electronic money, the system comprising:

an electronic money card unit for storing a first type of electronic money; and

an electronic money terminal unit for reading application identification information corresponding to the first type of electronic money from the electronic money card unit, executing a first type electronic money application corresponding to the read application identification information among stored electronic money applications, and processing an electronic money service including charging, payment, and transfer of the first type of electronic money through the first type electronic money application.

2. The system for identifying multiple types of electronic money as claimed in claim 1, wherein when the electronic money card unit is an Integrated Circuit (IC) module, the system for identifying multiple types of electronic money further comprises a communication terminal device unit, which is provided or tagged with the IC module and performs a communication for processing the electronic money service with the electronic money terminal unit.

3. A system for identifying multiple types of electronic money, the system comprising:

an electronic money card unit for storing multiple types of electronic money; and

an electronic money terminal unit for reading application identification information corresponding to the multiple types of electronic money from the electronic money card unit, and, when the read application identification information includes default type application identification information, executing a default electronic money application corresponding to the default type application identification information among stored electronic money applications and processing an electronic money service including charging, payment, and transfer of the default electronic money corresponding to the default type application identification information.

4. The system for identifying multiple types of electronic money as claimed in claim 3, wherein when the electronic money card unit is an Integrated Circuit (IC) module, the system for identifying multiple types of electronic money further comprises a communication terminal device unit, which is provided or tagged with the IC module and performs a communication for processing the electronic money service with the electronic money terminal unit.

5. The system for identifying multiple types of electronic money as claimed in claim 3, wherein, when the read application identification information includes no default type application identification information, the electronic money terminal unit determines whether the multiple types of electronic money include a type of electronic money matching with the read application identification information, and executes an electronic money application corresponding to the type of electronic money matching with the read application identification information among the stored electronic money applications when the multiple types of electronic money include the type of electronic money matching with the read application identification information.

6. An electronic money terminal unit in a system for identifying multiple types of electronic money, the electronic money terminal unit comprising:

a storage unit for storing electronic money applications for executing an electronic money service including charging, payment, and transfer of one type of electronic money among the multiple types of electronic money, according to types of the electronic money applications;

a card reader unit for reading an electronic money card storing a first type of electronic money among the multiple types of electronic money;

a reading unit for reading application identification information corresponding to the first type of electronic money; and

an execution unit for extracting a first type electronic money application corresponding to the read application identification information from the storage unit and executing the extracted electronic money application to process the electronic money service.

7. The electronic money terminal unit as claimed in claim 6, wherein the reading unit determines whether the read application identification information corresponds to a preset default type application set as a default, and, when the read application identification information does not correspond to the preset default type application, the reading unit additionally determines if the read application identification information corresponds to one of remaining electronic money applications among the stored electronic money applications.

8. An electronic money terminal unit in a system for identifying multiple types of electronic money, the electronic money terminal unit comprising:

a storage unit for storing electronic money applications for executing an electronic money service including charging, payment, and transfer of a predetermined type of electronic money among the multiple types of electronic money, according to types of the electronic money applications;

a card reader unit for reading an electronic money card storing two or more types of electronic money;

a reading unit for reading application identification information corresponding to each of the two or more types of electronic money; and

an execution unit for determining whether the read application identification information includes default type application identification information set as a default, and, when the read application identification information includes the default type application identification information, executing a default electronic money application corresponding to the default type application identification information among the stored electronic money applications, so as to process a predetermined electronic money service.

9. The electronic money terminal unit as claimed in claim 8, wherein the reading unit determines whether the read application identification information corresponds to a preset default type application set as a default, and, when the read application identification information does not correspond to the preset default type application, the reading unit additionally determines whether the read application identification information corresponds to one of remaining electronic money applications among the stored electronic money applications.

10. The electronic money terminal unit as claimed in claim 9, wherein, as a result of additional determination, when there is one type of compatible electronic money application capable of providing the electronic money service, which matches with the read application identification information, the execution unit executes the compatible electronic money application among the electronic money applications stored in the storage unit, so as to process the electronic money service.

11. The electronic money terminal unit as claimed in claim 9, wherein, when there are two or more types of compatible electronic money applications capable of providing the electronic money service, which match with the read application identification information, the execution unit executes an electronic money application appointed and selected by the user from the two or more electronic money applications among the electronic money applications stored in the storage unit, so as to process the electronic money service.

12. The electronic money terminal unit as claimed in claim 9, wherein, when there are two or more types of compatible electronic money applications capable of providing the electronic money service, which match with the read application identification information, the execution unit determines priorities of the compatible electronic money applications based on criteria including a balance criterion, a point criterion, and a discount rate criterion, appoints a compatible electronic money application having a highest priority, and executes the appointed compatible electronic money application among the electronic money applications stored in the storage unit, so as to process the electronic money service.

13. A method for identifying multiple types of electronic money, the method comprising the steps of:

reading an electronic money card storing a first type of electronic money among the multiple types of electronic money;

reading application identification information corresponding to the first type of electronic money;

appointing a first type electronic money application corresponding to the application identification information from a storage unit storing electronic money applications for executing an electronic money service including charging, payment, and transfer of a predetermined type of electronic money among the multiple types of electronic money, according to types of the electronic money applications; and

executing the first type electronic money application to process the electronic money service.

14. The method for identifying multiple types of electronic money as claimed in claim 13, wherein the step of reading application identification information comprises the steps of:

determining whether the read application identification information corresponds to a preset default type application set as a default; and

when the read application identification information does not correspond to the preset default type application, additionally determining whether the read application identification information corresponds to one of remaining electronic money applications among the stored electronic money applications.

15. A method for identifying multiple types of electronic money, the method comprising the steps of:

reading an electronic money card storing two or more types of electronic money;

reading application identification information corresponding to each of the two or more types of electronic money;

when a result of reading of the application identification information shows that the read application identification information includes default application identification information set as a default, appointing a default electronic money application corresponding to the default application identification information from a storage unit storing electronic money applications for executing an electronic money service including charging, payment, and transfer of a predetermined type of electronic money among the multiple types of electronic money including the two or more types of electronic money, according to types of the electronic money applications; and

executing the default electronic money application to process the electronic money service.

16. The method for identifying multiple types of electronic money as claimed in claim 15, wherein the step of reading the application identification information comprises the steps of:

determining whether the read application identification information corresponds to the default application identification information set as a default; and

when the read application identification information does not correspond to the preset default type application, additionally determining whether the read application identification information corresponds to one of remaining electronic money applications among the stored electronic money applications.

17. The method for identifying multiple types of electronic money as claimed in claim 15, wherein the step of executing the default electronic money application comprises the steps of:

when a result of additional determination shows that there is one type of compatible electronic money application capable of providing the electronic money service, which matches with the read application identification information, executing the compatible electronic money application among the electronic money applications stored in the storage unit, so as to process the electronic money service.

18. The method for identifying multiple types of electronic money as claimed in claim 15, wherein the step of executing the default electronic money application comprises the step of:

when a result of additional determination shows that there are two or more types of compatible electronic money applications capable of providing the electronic money service, which match with the read application identification information, executing an electronic money application appointed and selected by the user from the two or more electronic money applications among the electronic money applications stored in the storage unit, so as to process the electronic money service.

19. The method for identifying multiple types of electronic money as claimed in claim 15, wherein the step of executing the default electronic money application comprises the steps of:

when a result of additional determination shows that there are two or more types of compatible electronic money applications capable of providing the electronic money service, which match with the read application identification information, determining priorities of the compatible electronic money applications based on criteria including a balance criterion, a point criterion, and a discount rate criterion, appoints a compatible electronic money application having a highest priority; and

executing the appointed compatible electronic money application among the electronic money applications stored in the storage unit, so as to process the electronic money service.