ELECTRONIC MONEY PAYMENT SYSTEM AND ELECTRONIC MONEY PAYMENT METHOD
The present disclosure relates to electronic money payment system and method which allows payment to be processed not only with a payment amount according to the currency of a user's electronic money but also with a payment amount according to any currency advantageous for payment among various payment amounts according to various types of currencies which are different from that of the user's electronic money, in consideration of the exchange rates.
1 . An electronic money payment system comprising:
a terminal for sending a request for payment amount information of each currency in accordance with a payment request amount according to an electronic money payment request when the electronic money payment request is input to the terminal; and
an electronic money service center for providing the terminal with the payment amount information of each currency, which is obtained through exchanging of the payment request amount based on exchange rate information of each currency, when receiving the request for the payment amount information of each currency, and processing payment of a payment amount of a predetermined currency when receiving a request for processing payment for the payment amount of the predetermined currency from the terminal.
2 . The electronic money payment system as claimed in claim 1 , wherein, when receiving the payment amount information of each currency from the electronic money service center, the terminal displays the payment amount information of each currency and sends a request for processing payment in accordance with the payment amount of a predetermined currency selected from the payment amount information of each currency to the electronic money payment system.
3 . A terminal comprising:
a manipulation unit for receiving a user's input; and
a terminal control unit for sending a request for payment amount information of each currency to an external electronic money service center in accordance with a payment request amount according to an electronic money payment request when the electronic money payment request is input through the manipulation unit, displaying the payment amount information of each currency received from the electronic money service center in response to the request for payment amount information of each currency, and sending a request for processing payment in accordance with a payment amount of a predetermined currency selected from the payment amount information of each currency through the manipulation unit to the electronic money payment system.
4 . The terminal as claimed in claim 3 , further comprising a card interface unit for communicating with an approaching electronic money card, wherein the terminal control unit recognizes the approaching electronic money card through the card interface unit, and when an electronic money payment request is input through the manipulation unit, the terminal control unit sends a request for payment amount information of each currency in accordance with a payment request amount according to the electronic money payment request to the electronic money service center.
5 . The terminal as claimed in claim 4 , wherein the terminal control unit sends a request for processing payment for the electronic money card in accordance with the payment amount of the currency selected through the manipulation unit to the electronic money service center, and when receiving an electronic money deduction signal from the electronic money service center in response to the request for processing payment for the electronic money card, the terminal control unit deducts the electronic money of the electronic money card in accordance with the electronic money deduction signal.
6 . The terminal as claimed in claim 3 , further comprising an electronic money card for storing electronic money, wherein the terminal control unit sends a request for processing payment for the electronic money card in accordance with the payment amount of the currency selected through the manipulation unit to the electronic money service center, and when receiving an electronic money deduction signal from the electronic money service center in response to the request for processing payment for the electronic money card, the terminal control unit deducts the electronic money of the electronic money card in accordance with the electronic money deduction signal.
7 . An electronic money service center comprising:
an exchange rate memory unit for storing exchange rate information of each currency;
a payment amount calculation unit for conducting foreign exchange in accordance with a payment request amount, and calculating a payment amount of each currency based on the exchange rate information of each currency; and
a service providing unit for, when receiving a request for payment amount information of each currency according to a payment request amount from an external terminal, sending the request for payment amount information of each currency, which is obtained through exchanging of the payment request amount, to the payment amount calculation unit and providing the terminal with the payment amount information of each currency calculated by the payment amount calculation unit.
8 . The electronic money service center as claimed in claim 7 , wherein when receiving a request for processing payment of an electronic money card for the payment amount of the predetermined currency selected from the payment amount information of each currency from the terminal after the electronic money service center provides the terminal with the payment amount information of each currency, the service providing unit processes payment in accordance with the payment amount of the predetermined currency if the payment of the electronic money card is possible.
9 . The electronic money service center as claimed in claim 8 , wherein when processing payment in accordance with the payment amount of the predetermined currency, the service providing unit provides the terminal with an electronic money deduction signal according to the payment amount of the predetermined currency as being payment-processed.
10 . An electronic money payment method comprising the steps of:
sending, by a terminal, a request for payment amount information of each currency in accordance with a payment request amount according to an electronic money payment request that is input to the terminal;
providing, by an electronic money service center, the terminal with payment amount information of each currency, which obtained through exchanging of the payment request amount based on exchange rate information of each currency, when the request for payment amount information of each currency is received from the terminal in accordance with the payment request amount; and
processing payment, by the electronic money service center, in accordance with the payment amount of a predetermined currency when a request for processing payment for the payment amount of a predetermined currency among the payment amount information of each currency is received from the terminal.
11 . The electronic money payment method as claimed in claim 10 , further comprising the steps of:
displaying, by the terminal, the payment amount information of each currency when the payment amount information of each currency is received from the electronic money service center; and
sending, by the terminal, a request for processing payment in accordance with the payment amount of the predetermined currency selected from the payment amount information of each currency to the electronic money service center.
12 . A payment method by a terminal comprising the steps of:
determining whether an electronic money payment request is input or not;
sending a request for payment amount information of each currency in accordance with a payment request amount according to the electronic money payment request to an external electronic money service center if the electronic money payment request is input;
displaying the payment amount information of each currency received from the electronic money service center; and
sending a request for processing payment in accordance with the payment amount of a predetermined currency selected from the payment amount information of each currency to the electronic money service center.
13 . The payment method as claimed in claim 12 , wherein the step of determining whether the electronic money payment request is input or not comprises the steps of:
recognizing an approaching electronic card; and
determining whether the electronic money payment request is input in accordance with the recognized electronic money card.
14 . The payment method as claimed in claim 13 , further comprising the step of:
deducting the electronic money of the electronic money card in accordance with an electronic money deduction signal if the electronic money deduction signal is received from the electronic money service center in response to the request sent to the electronic money service center for processing payment for the electronic money card in accordance with the payment amount of the selected currency.
15 . The payment method as claimed in claim 12 , further comprising the step of:
deducting the electronic money of the electronic money card in accordance with an electronic money deduction signal if the electronic money deduction signal is received from the electronic money service center in response to the request sent to the electronic money service center for processing payment for the electronic money card incorporated in the terminal in accordance with the payment amount of the selected currency.
16 . A payment method by an electronic money service center comprising the steps of:
storing exchange rate information of each currency;
conducting foreign exchange based on the exchange rate information of each currency, and calculating payment amount of each currency in accordance with a payment request amount if a request for payment amount information of each currency according to the payment request amount is received from an external terminal; and
providing the terminal with the calculated payment amount information of each currency.
17 . The payment method as claimed in claim 16 , further comprising the steps of:
determining whether a request for processing payment of an electronic money card for the payment amount of a predetermined currency among the payment amount information of each currency is received from the terminal after the payment amount information of each currency is provided to the terminal; and
processing payment in accordance with the payment amount of the predetermined currency if the request for processing payment is received and if it is possible to process payment of the electronic money card.
18 . The payment method as claimed in claim 17 , further comprising the step of:
providing the terminal with an electronic money deducting signal according to the processed payment amount in the predetermined currency if payment is processed in accordance with the payment amount of the predetermined currency.