Registers – Systems controlled by data bearing records – Banking systems
Reexamination Certificate
1998-03-13
2001-08-28
Frech, Karl D. (Department: 2876)
Registers
Systems controlled by data bearing records
Banking systems
C235S375000
Reexamination Certificate
active
06279824
ABSTRACT:
BACKGROUND OF THE INVENTION
1. Field of the Invention
The present invention relates to a method and receiver, including an electronic money terminal function, for performing the electronic money terminal function, and more particularly, to a receiver whereby various bank services such as deposit and withdrawal of money to and from an electronic money card can be performed at home and on-line by connecting a satellite broadcasting receiver provided with a smart card and a modem to a host computer of the bank, and a method for performing the various bank services. The present application is based upon Korean Application No. 97-8749, which is incorporated herein by reference.
2. Description of Related Art
With the development of the smart card came the concept of its use for electronic money. An electronic money card can be used not only in mass transportation such as subways or buses, but also in stores and restaurants. When a person spends all of the money placed on the electronic money card, that person can reuse the electronic money card by going to the bank and depositing more money to the electronic money card from the person's bank account using an electronic money terminal.
FIG. 1
is a block diagram of a typical electronic money terminal. Referring to
FIG. 1
, a smart card interface (hereinafter, I/F)
102
informs a microprocessor unit (MPU)
104
that an electronic money smart card was input. The MPU
104
recognizes the input of the smart card, initializes the smart card according to a system program stored in a memory
114
, and displays a services menu, including types of services, on a display
108
by controlling an on-screen display (OSD) processor
106
. Here, the memory
114
is comprised of a RAM and a ROM. The RAM temporarily stores data required to perform an electronic money terminal function, and the ROM stores system and application programs.
When a user uses a keypad
110
to select a desired type of service from the services menu displayed on the display
108
, the MPU
104
applies to a transmission I/F
112
a command for connecting the terminal to a host computer (not shown) of the bank. The transmission I/F
112
connects the terminal to the host computer in response to the received command. After the connection of the terminal to the host computer is completed, the user's desired type of service and a user identification number stored in the smart card (electronic money card)
100
are transmitted to the host computer. Then, the host computer applies a command for requesting input of a user's password to the MPU
104
via the transmission I/F
112
. The MPU
104
displays a message such as “enter password” on the display
108
by controlling the OSD processor
106
. The user inputs a password via the keypad
110
in response to the password input message. The MPU
104
recognizes the input password and transmits the user's password to the host computer of the bank via the transmission I/F
112
. The host computer
112
compares the input user's password with a user's password stored in a database, and performs the desired service when the two passwords are identical.
However, when a user wants to deposit money to increase the balance on the electronic money card, the user must go to the bank in person and transfer the money from the user's bank account to the electronic money card using the electronic money terminal.
SUMMARY OF THE INVENTION
Accordingly, it is an object of the present invention to provide a method for performing various bank services, such as the deposit and withdrawal of money to and from an electronic money card, at home and on-line, by connecting a receiver provided with a smart card I/F and a modem to a host computer of the bank.
It is another object of the present invention to provide a receiver for performing various bank services, such as the deposit and withdrawal of money to and from an electronic money card, at home and on-line, by connecting a receiver to a host computer of the bank.
To accomplish the first object, there is provided a method of performing an electronic money terminal function using a receiver having a smart card interface and a modem. The method comprises the steps of initializing an electronic money smart card which is input during an electronic money terminal mode, selecting a submode of the electronic money terminal mode, connecting, using the modem, the receiver to a host computer of a bank which issued the electronic money smart card, transmitting the selected submode, a personal identification number stored in the electronic money smart card, and a secret number input from an external source, to the host computer, and performing the selected submode when the input secret number is identical to a secret number stored in the host computer.
To accomplish the second object, there is provided a receiver which performs, which receives charge-free and charged channel signals, for performing an electronic money terminal function. The receiver comprises a smart card, a modem, a memory, a controller and an on-screen display processor. The smart card interface detects an input of an electronic money smart card and transmits a personal identification number from the electronic money smart card. The modem connects the receiver to a host computer of a bank. The memory stores data representing a screen menu with respect to an electronic money terminal mode and its submodes and data representing a telephone number of the bank which issued the electronic money smart card. The controller recognizes the electronic money terminal mode set by a user and submodes of the electronic money terminal mode, and transmits the telephone number data to the modem to connect the modem to the host computer, transmits the personal identification number transmitted via the smart card interface and the recognized submode data to the host computer, and applies a control signal in response to a command for performing the submode transmitted from the host computer via the modem. The on-screen display processor displays the screen menu as on-screen display information and generates a message, which is required to perform the submode, in response to the control signal.
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“Soon, Home Will Be Where the Smart Card Is”, Valerie et al., BLOCK, American Banker, Jul. 24, 1996, vol. 161, No. 140.
Microsoft Money, “Guide to Personal Finance”; Nelson, Stephan L.; Sep. 1996 (2nded.) (pp. 100-109).
Frech Karl D.
Samsung Electronics Co,. Ltd.
Sughrue Mion Zinn Macpeak & Seas, PLLC
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