KR101784220B1 - A method for processing card information using magnetic transmission, an appratus and a system thereof - Google Patents

A method for processing card information using magnetic transmission, an appratus and a system thereof Download PDF

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Publication number
KR101784220B1
KR101784220B1 KR1020150097272A KR20150097272A KR101784220B1 KR 101784220 B1 KR101784220 B1 KR 101784220B1 KR 1020150097272 A KR1020150097272 A KR 1020150097272A KR 20150097272 A KR20150097272 A KR 20150097272A KR 101784220 B1 KR101784220 B1 KR 101784220B1
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card information
magnetic
encrypted
transmission module
key
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KR1020150097272A
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Korean (ko)
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KR20170006530A (en
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최성훈
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한국정보통신주식회사
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/353—Payments by cards read by M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A card information processing method of a card information processing apparatus according to an embodiment of the present invention includes: storing a previously generated decryption key in a magnetic transmission module; Obtaining card information encrypted with an encryption key; Decrypting the encrypted card information using the decryption key; Generating magnetic signal information that can be remotely read by the magnetic strip reader of the payment terminal from the decrypted card information; And generating a magnetic field signal readable by the payment terminal using the magnetic signal information.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a card information processing method using magnetic field communication,

The present invention relates to a card information processing method, apparatus, and system using magnetic field communication. More particularly, the present invention relates to a card information processing method, apparatus, and system that can convert card information into a magnetic field signal and transmit the card information.

Typically, a card payment terminal such as a POS terminal is provided with a magnetic stripe reader (MSR) module for reading the encoded card information on the magnetic strip of the card. At this time, the card information read through the magnetic strip reader is in the form of an analog signal and is in an unencrypted plaintext information state.

In addition, the credit card payment terminal is generally connected to the settlement server or the VAN company server through a dedicated on / off line, and the credit card settlement service is performed.

However, in recent years, there has been a growing demand for credit card payment services in connection with portable terminals.

In particular, a model in which card information is stored in a recent portable terminal and payment processing is performed through a short distance communication with a dedicated payment terminal is proposed, and services are provided in some business locations.

However, in the case of card settlement using such a mobile terminal, a dedicated payment terminal supporting the function is required to be additionally produced, so that additional installation and update costs are increased.

Accordingly, although various card settlement methods that allow a self-strip reader of a conventional POS system such as a virtual strip card or a magnetic transmission module to be used as they are, research has been conducted. However, due to the problem that security and corresponding modules are easy to replicate in a system structure, It is difficult to apply it to the system.

KR 10-2014-0137233 A KR 10-1143856 B1

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to provide a magnetic strip reader capable of solving the above problems by providing a payment terminal with a magnetic strip reader without a magnetic strip card, And more particularly, to a card information processing method, apparatus, and system using the magnetic field communication that can be immediately utilized in a mobile communication terminal.

According to another aspect of the present invention, there is provided a card information processing method of a card information processing apparatus, including the steps of storing a decryption key generated in advance in a magnetic transfer module, acquiring card information encrypted with an encryption key ; Decrypting the encrypted card information using the decryption key; Generating magnetic signal information that can be remotely read by the magnetic strip reader of the payment terminal from the decrypted card information; And generating a magnetic field signal readable by the payment terminal using the magnetic signal information.

According to another aspect of the present invention, there is provided a card information processing apparatus including a storage unit for storing a decryption key generated in advance; A decryption unit which obtains card information encrypted with an encryption key and decrypts the encrypted card information using the decryption key; A magnetic signal generator for generating magnetic signal information that can be remotely read by the magnetic strip reader of the payment terminal from the decrypted card information; And a magnetic signal generator for generating a magnetic field signal readable by the payment terminal using the magnetic signal information.

According to another aspect of the present invention, there is provided a method of operating a portable terminal, including: receiving an encryption key for encrypting magnetic strip card information from a key issuing server through a communication module; Encrypting the card information using the encryption key; And the magnetic transmission module management unit controls the transmission of the encrypted card information to the magnetic transmission module so that the magnetic transmission module generates magnetic signal information that can be remotely read by the magnetic strip reader of the payment terminal, And controlling the magnetic terminal to generate a magnetic field signal readable by the payment terminal using the magnetic signal information.

According to another aspect of the present invention, there is provided a portable terminal including a communication module for receiving an encryption key for encrypting magnetic strip card information from a key issuing server; An encryption unit encrypting the card information using the encryption key; And controlling the magnetic transmission module to generate magnetic signal information that can be remotely read by the magnetic strip reader of the payment terminal, wherein the magnetic transmission module controls the magnetic signal transmission module to transmit the magnetic signal information And a magnetic transmission module management unit for controlling the magnetic terminal unit to generate a magnetic field signal readable by the payment terminal.

According to another aspect of the present invention, there is provided a card information processing system including: a card reader module for recognizing card information from a magnetic strip card; A portable terminal for encrypting card information recognized by the card reader module; And decrypts the encrypted card information using the decryption key. When the magnetic strip reader of the payment terminal remotely receives the decrypted card information from the decrypted card information, A magnetic transmission module for generating readable magnetic signal information and generating a magnetic field signal readable by the payment terminal using the magnetic signal information; And a payment terminal for reading the magnetic signal information from the magnetic field signal, generating a transaction approval request message from the card information obtained from the magnetic signal information, and transmitting the transaction approval request message to the payment server.

According to the embodiment of the present invention, the card information to be read in the portable terminal can be encrypted and transmitted according to the authentication of the magnetic transmission module, and the magnetic field signal is transmitted to the payment terminal after being decrypted by the authenticated magnetic transmission module, And the copying of the magnetic transmission module is prevented.

According to another embodiment of the present invention, the card information to be read by the portable terminal is encrypted by the public key received by the key issuing server, decrypted by the private key in the magnetic transmission module or the payment server, There is a security effect that even if the intermediate card information is acquired in a portable terminal other than the payment terminal, its contents are not known.

1 illustrates an overall system according to an embodiment of the present invention.
2 is a block diagram illustrating a portable terminal according to an embodiment of the present invention.
3 is a block diagram illustrating a magnetic transmission module according to an embodiment of the present invention.
4 is a ladder diagram for explaining an operation method of the system according to the embodiment of the present invention.
Figure 5 illustrates an overall system in accordance with another embodiment of the present invention.
6 is a ladder diagram illustrating a method of operating a system according to another embodiment of the present invention.

The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description.

It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the book.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. The configuration is omitted as much as possible, and a functional configuration that should be additionally provided for the present invention is mainly described.

Those skilled in the art will readily understand the functions of components that have been used in the prior art among the functional configurations that are not shown in the following description, The relationship between the elements and the components added for the present invention will also be clearly understood.

In order to efficiently explain the essential technical features of the present invention, the following embodiments properly modify the terms so that those skilled in the art can clearly understand the present invention, It is by no means limited.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

The "portable terminal" described in this specification may include a mobile phone, a smart phone, a laptop computer, a digital broadcasting portable terminal, a PDA (Personal Digital Assistants), a PMP (Portable Multimedia Player) However, the present invention is not limited thereto, and may be various devices capable of user input and information display.

The term "payment server" may refer to, for example, a server of a VAN company that relays a credit card electronic payment. However, various types of servers related to credit card electronic payment may also be applicable. The actual payment relay function and other additional functions may be separated into separate server types.

The term "payment terminal" may include a POS terminal for providing a payment service for card information read from a card of a customer using a magnetic strip reader, and may include a POS unique function for managing a point-of-sale and at least one And an ordinary payment terminal having an electronic payment function through a customer card having the above-mentioned payment means.

1 illustrates an overall system according to an embodiment of the present invention.

The billing system according to the embodiment of the present invention includes a portable terminal 100, a card reader module 200, a magnetic transmission module 300, a payment terminal 400, a payment server 500 and a key issuing server 600 do.

The portable terminal 100 performs wireless communication through a general mobile communication network and transmits and receives at least one of various messages such as a Short Message Service (SMS), a Multimedia Messaging Service (MMS) A cellular phone can be used.

In addition, the portable terminal 100 can use a personal digital assistant (PDA) or the like capable of transmitting and receiving data to and from an IP (Internet Protocol) network connected to a mobile communication network.

The card reader module 200 can be electrically connected to the portable terminal 100 and a separate identification ID is assigned to each of the card reader modules 200. In the payment server 500, ) Of the transaction information.

The card reader module 200 includes a reading unit for reading the card information. More specifically, the card reader module 200 includes one or more reading units for reading and reading card information recorded in magnets such as a credit card, Card information reading means may be provided in the housing.

Accordingly, the portable terminal 100 can register the card information received through the card reader module 200 in the portable terminal 100, and manage each card information.

Accordingly, the user can select a card to be charged by operating the interface of the portable terminal 100, and the card information corresponding to the selected card can be transmitted to the magnetic transmission module 300.

In addition, the portable terminal 100 may encrypt the card information using the encryption key received from the key issuing server 600, and may transmit the encrypted card information to the magnetic transmission module 300.

In addition, the magnetic transfer module 300 may be inserted with a previously generated decryption key.

Upon receiving the encrypted card information from the portable terminal 100, the magnetic transmission module 300 decrypts the encrypted card information using the decryption key. The magnetic transmission module 300 decrypts the encrypted card information using the decryption key, The reader can generate magnetic signal information that can be read remotely. The magnetic transmission module 300 can generate a magnetic field signal readable from the payment terminal 400 using the magnetic signal information.

The settlement terminal 400 reads the magnetic signal information from the magnetic field signal, generates a transaction approval request message from the card information obtained from the magnetic signal information, and transmits the message to the payment server.

Here, the payment terminal 400 may include a magnetic strip reader for providing a payment service for card information read from a normal customer's magnetic card. The payment terminal 400 may be a conventional payment terminal equipped with an electronic payment function.

For example, the payment terminal 400 has a payment program and transmits a transaction approval request message to the payment server 500 using the payment program to perform a credit settlement process by making an approval request. The payment terminal 400 may generate and transmit a message including a receipt related to transaction approval or cancellation and a receipt related to issuance or cancellation of a cash receipt to the mobile terminal 100 of the purchaser at the transaction approval or cancellation have.

In addition, the payment server 500 receives the payment approval request message received from the payment terminal 400 and performs payment processing.

The payment server 500 may transmit the transaction approval request telegram to the card company server (not shown), and the card company server transmits the reply telegram including the approval / rejection to the payment server 500, The settlement terminal 400 may transmit the response message to the settlement terminal 400 again.

The payment server 500 is, for example, a server of a VAN (Value Added Network) company that provides a payment agent service in an electronic payment system using a credit card. However, the present invention is not limited to this, but may be a server for relaying only the purchase of a paper other than the server for payment by the payment server 500, or a simple payment server connected to a server of a general card company. have.

Then, the key issuing server 600 generates an encryption key for encrypting the card information and a corresponding decryption key. The key issuing server 600 may transmit the encryption key of the card information through the secure communication network or may insert the encryption key into the secure memory when the magnetic transmission module 300 is produced.

Here, the encryption key may preferably be a public key paired with a private key generated using a public key algorithm. For example, the key issuing server 600 may generate a public key, which is an encryption key, and a private key, which is a decryption key, using an RSA (Rivest, Shamir and Adleman) public key algorithm. The RSA public key algorithm is an asymmetric key algorithm, and its security is relatively high.

1 may be physically or electrically connected to the card reader module 200 and the magnetic transmission module 300. In this case,

The card reader module 200 may have a structure in which the card reader module 200 is inserted into and connected to a connection port including an earphone and a microphone connection terminal of the portable terminal 100. The magnetic transmission module 300 is connected to the housing of the portable terminal 100, Or may be realized as a case detachably attachable to the portable terminal 100 or the like.

In such a system configuration, the portable terminal 100 can authenticate the registration information of the magnetic transmission module 300 and encrypt the card information to be transmitted using the encryption key received from the key issuing server 600 have.

The magnetic transmission module 300 decodes the card information encrypted with the previously stored decryption key and generates magnetic signal information based on the decrypted card information to generate a magnetic field signal readable by the magnetic strip reader of the payment terminal 400 .

Then, in the payment terminal 400, the same card information as that of reading the magnetic card can be read, and the same payment processing as the existing payment approval processing can be performed without constructing a separate payment infrastructure.

Accordingly, a situation in which copying of card information due to the dedicated use of the magnetic transmission module 300 can occur can be prevented. In addition, the security of the card information read from the card reader module 200 through the encryption in the process of transmitting the card information to the magnetic transmission module 300 can be maintained. In the payment terminal 400, the card information transmitted remotely via the magnetic field signal from the magnetic transmission module 300 can be read by the existing magnetic strip reader, so that the existing payment infrastructure can be utilized.

2 is a block diagram illustrating a portable terminal according to an embodiment of the present invention.

2, a portable terminal 100 according to an embodiment of the present invention connects a card reader 200 to a connection port 135 including an earphone connection terminal 133 and a microphone connection terminal 132, The magnetic transmission module 300 is electrically connected to the inside of the housing, or installed in the outer case to be wirelessly communicated.

The terminal 100 includes a connection port 135 including an antenna 101, a communication module 103, a key operation unit 105, an earphone connection terminal 133 and a microphone connection terminal 132, a touch pad 109, A display unit 111, a memory 113, and a control unit 115. [0029]

The communication module 103 includes a modem for encoding and modulating the transmitted signal, demodulating and decoding the signal received through the antenna 101, and an RF front end for processing the RF signal.

The communication module 103 may further include a short range wireless communication module for wirelessly transmitting information when the magnetic transmission module 300 is additionally installed outside the housing. The short-range wireless communication module can transmit and receive information to and from the magnetic transmission module 300 using, for example, the WIFI standard, the NFC standard, the Bluetooth standard, and various other short-range communication methods.

The key operation unit 105 includes a key for receiving a user input. In addition, when receiving a touch input for interface operation through the touch pad 109, the key operation unit 105 may be configured with only a minimum function key for on / off of the display unit 111 or the power supply. Hereinafter, the key operation unit 105 and the touch pad 109 will be collectively referred to as an input unit.

The control unit 115 includes at least one processor including a CPU (Central Processing Unit) / MPU (Micro Processing Unit) for controlling the overall operation of each component and an execution memory (e.g., a register and / or a RAM An access memory) and a bus (BUS) for inputting / outputting predetermined data.

The control unit 115 may include a card information management unit 115a, an interface unit 115b, a magnetic transfer module management unit 115c, an encryption key acquisition unit 115d, and an encryption unit 115e.

The card information management unit 115a registers the card information transmitted from the card reader module 220 in the memory 113 and displays a card selection interface for selecting a card for payment in accordance with user input in the form of a GUI on the display unit 111 ). ≪ / RTI >

The card information management unit 115a can transmit the card information selected in the card selection interface to the encryption unit 115e and the card information encrypted in the encryption unit 115e through the magnetic transmission module management unit 115c It is possible to provide an interface for displaying the status on the display unit 111. [

In addition, when the magnetic field signal is normally read out as card information from the payment terminal 400 and the payment processing is approved, the card information management unit 115a receives the transaction approval result transmitted via the payment server 500, (111).

The interface unit 115b can transmit and receive data to and from the card reader 200 through the connection port 135 including the microphone connection terminal 132 and the earphone connection terminal 133. [

For this purpose, the interface unit 115b includes an analog-to-digital converter for converting an analog signal received through the microphone connection terminal 132 into a digital signal, and an encryption key to an analog signal, (Digital-to-Analog) converter for transmitting the digital image signal to the image processor 133.

Meanwhile, the encryption key acquisition unit 115d may acquire an encryption key for encrypting the card information generated by the card information management unit 115a, and may transmit the encryption key to the encryption unit 115e.

The encryption key acquisition unit 115d may access the key issuing server 600 through the communication module 103 and may receive the encryption key from the key issuing server 600 as the magnetic transmission module 300 is authenticated can do.

Here, the encryption key may be a random number generated through a general random number generator or the like, but may be a public key paired with a private key generated by using a public key algorithm. For example, the key issuing server 600 generates a public key and a private key using a RSA (Rivest, Shamir and Adleman) public key algorithm in correspondence with registration information of each magnetic transmission module 300 Private key). The public key generated by the key issuing server 600 may be transmitted to the encryption key obtaining unit 115d according to the authentication of the registration information of the magnetic transmission module 300. [ Meanwhile, the private key generated by the key issuing server 600 is inserted at the time of producing the magnetic transmission module 300 or transmitted to the payment server 500 at the request of the payment server 500 according to another embodiment of the present invention .

The encryption unit 115e encrypts the card information transmitted from the card information management unit 115a with the encryption key obtained by the encryption key acquisition unit 115d. Then, the encryption unit 115e can transmit the encrypted card information to the magnetic transmission module management unit 115c. The encryption unit 115e can perform the encryption of the card information according to a predetermined algorithm corresponding to the encryption key, and the encrypted card information can be stored in the memory 113. [

The magnetic transfer module management unit 115c generates control signals for controlling the registration process of the magnetic transfer module 300 and the operation of the magnetic transfer module 300 and transmits the control signals to the respective components and the magnetic transfer module 300 .

More specifically, the magnetic transmission module management unit 115c can request registration information from the magnetic transmission module 300 when it recognizes the magnetic transmission module 300 provided inside or outside the housing as wireless or wired.

The magnetic transmission module management unit 115c can receive, store, and manage the registration information of the magnetic transmission module 300. FIG. The magnetic transmission module management unit 115c transmits the registration information of the magnetic transmission module 300 to the key issuing server 600 through the communication module 103 and receives the authentication confirmation information corresponding thereto, 300) can be performed. As described above, when the magnetic transmission module 300 is authenticated, the encryption key acquisition unit 115d can receive the encryption key.

The magnetic transmission module management unit 115c transmits the encrypted card information to the magnetic transmission module in the encryption unit 115e according to a user input to the interface generated by the card information management unit 115a.

The magnetic transmission module management unit 115c controls the magnetic transmission module 300 to be described later to generate magnetic signal information that can be read out remotely by the magnetic strip reader of the payment terminal 400. When the magnetic transmission module 300 A control signal for controlling the magnetic terminal to generate a magnetic field signal readable by the payment terminal using the magnetic signal information and transmit the control signal to the magnetic transmission module 300.

On the other hand, the display unit 111 displays (outputs) information processed in the portable terminal 100. For example, when the portable terminal is in a magnetic signal transmission mode, a UI (User Interface) or a GUI (Graphic User Interface) including an interface related to transmission of a magnetic signal is displayed.

The display unit 111 may be a liquid crystal display (LCD), a thin film transistor-liquid crystal display (TFT LCD), an organic light-emitting diode (OLED), a flexible display ), And a three-dimensional display (3D display).

The memory 113 may store a program for the operation of the controller 115 and may store data input / output (e.g., registration information of the magnetic transmission module, read card information, encryption key, Information, etc.) may be temporarily stored.

The memory 113 may be a flash memory type, a hard disk type, a multimedia card micro type, a card type memory (for example, SD or XD memory), a RAM (Random Access Memory), SRAM (Static Random Access Memory), ROM (Read Only Memory), EEPROM (Electrically Erasable Programmable Read-Only Memory), PROM A disk, and / or an optical disk.

3 is a block diagram illustrating a magnetic transmission module according to an embodiment of the present invention.

3, a magnetic transmission module 300 according to an embodiment of the present invention includes a magnetic induction coil 310, a short range communication unit 330, a control unit 340, and a memory 360.

The control unit 340 includes at least one processor including a CPU (Central Processing Unit) / MPU (Micro Processing Unit) for controlling the overall operation of each component of the magnetic transfer module 300 and at least one processor including an execution memory And / or a random access memory (RAM)) and a bus (BUS) for inputting / outputting predetermined data.

The control unit 340 includes a registration information management unit 341, a card information management unit 342, a decryption key management unit 343, a decryption unit 344, a magnetic signal generation unit 345, an amplification unit 346, And a generating unit 347.

The registration information management unit 341 can store and manage registration information managed for each magnetic transmission module 300 through the memory 360. [ Here, the registration information may include at least one of a product model name, a serial number, and a production order number that can uniquely identify the magnetic transmission module 300.

The registration information management unit 341 may transmit the registration information to the portable terminal 100 in response to an authentication request of the portable terminal 100. [

For example, the registration information management unit 341 may be connected to the controller 115 of the portable terminal 100 in a wireless manner, and may transmit registration information to the portable terminal 100 in response to a request from the magnetic transmission module management unit 115c of the controller 115. [ The portable terminal 100 can authenticate the magnetic transmission module 300 to the payment server 500 or the key issuing server 600 or the separate authentication server using the registration information.

Such registration information may be wirelessly transmitted to the communication module 103 of the portable terminal 100 through the short range communication unit 330 at the control unit 340 or may be directly transmitted through a wired connection with the internal circuit of the portable terminal 100 have.

The card information management unit 342 can receive, store, and manage the card information received from the portable terminal 100. As described above, the card information may be encrypted in the encryption unit 115e of the portable terminal 100 and stored in the memory 360 in an encrypted state.

Similarly, the card information may be wirelessly transmitted to the communication module 103 of the portable terminal 100 via the local communication unit 330 in the control unit 340, or may be directly transmitted through a wired connection with the internal circuit of the portable terminal 100 .

The decryption key management unit 343 previously stores the decryption key in the security area of the memory 360, and manages the version and the like.

To this end, the key issuing server 600 may issue an encryption key and a corresponding decryption key corresponding to the registration information of each of the magnetic transmission modules 300. [ For example, each encryption key and decryption key may correspond to a public key according to the RSA encryption algorithm and a corresponding private key.

The key issuing server 600 may issue a public key and a matching private key according to the registration information of the magnetic transmission module 300. The decryption key managing unit 343 may issue a public key And store the private key as a decryption key.

The card information received by the card information management unit 342 is encrypted with the public key as the encryption key received from the key issuing server 600 by the portable terminal 100 according to the authentication of the magnetic transmission module 300 Lt; / RTI >

Then, the decryption unit 344 decrypts the encrypted card information using the decryption key, thereby acquiring the decrypted card information.

The magnetic signal generating unit 345 generates magnetic signal information that can be remotely read by the magnetic stripe reader of the payment terminal 400 from the decoded card information.

The magnetic signal information can be processed in the magnetic signal generator 345 so that the magnetic strip reader can remotely read it. For example, the magnetic signal generator 345 obtains the digital card information from the decoded card information, and processes the magnetic signal information corresponding to the analog magnetic field signal for guiding the digital card information to be read out from the magnetic strip reader . Accordingly, the magnetic signal information may indicate a change in the magnetic field generated while the magnetic stripe of the original physical card slides in the magnetic strip reader of the payment terminal 400.

The amplifying unit 346 amplifies the magnetic signal information according to a predetermined amplification ratio. Since the magnetic induction efficiency may be different depending on the structure and the characteristic of each settlement terminal 400, the amplification unit 346 applies the amplification ratio to the specific amplification period of the magnetic signal information, Can be read out.

The magnetic signal generator 347 controls the magnetic induction coil 310 based on the amplified magnetic signal information. Accordingly, the magnetic signal generator 347 can generate a magnetic field signal readable by the payment terminal using the magnetic signal information. The magnetic signal generator 347 generates the magnetic field signal for a predetermined time period and controls the magnetic induction coil 310 to generate magnetic field while reading the card information from the payment terminal 400. [

The memory 360 may store a program for the operation of the controller 340, temporarily store input / output data, and may include a flash ROM, an SRAM, and the like for data storage. In addition, the memory 360 may include a nonvolatile memory constituting a security area for storing the decryption key and the registration information.

4 is a ladder diagram for explaining an operation method of the system according to the embodiment of the present invention.

Referring to FIG. 4, the operation of the system according to the embodiment of the present invention will be described. First, the magnetic transmission module 300 inserts the private key generated by the key issuing server 600 into the security area of the memory 360 (S100).

Thereafter, the management program is executed in the portable terminal 100 interlocked with the magnetic transmission module 300 (S101).

Here, the management program may be a program installed or downloaded in advance in the portable terminal 100 for the operation of the control unit 115 of the portable terminal 100. The control of the magnetic transmission module 300 and the card reader module 200 of the control unit 115 can be interlocked according to the execution of the management program.

The connector 210 of the card reader module 200 is connected to a connection port 135 including an earphone connection terminal 133 and a microphone connection terminal 132 of the terminal 100 in order to register card information of the magnetic strip card. (S103).

Although the card reader module 200 is described as being connected to the terminal 100 after the management program is executed, the management program may be executed after the card reader module 200 is connected to the terminal 100. [

At this time, the terminal 100 can recognize the magnetic strip reader of the card reader module 200 through the microphone connection terminal 132 (S105).

Thereafter, when the magnetic strip card is inserted or slid into the card reader module 200, the magnetic strip reader of the card reader module 200 reads the card information (S107).

The read card information is transmitted to the portable terminal 100 through the connection port 135 in step S109 and stored in the memory 113 by the card information management unit 115a of the portable terminal 100 in step S111.

Thereafter, the portable terminal 100 registers the magnetic transmission module using the registration information acquired from the magnetic transmission module 300 (S113).

The magnetic transmission module management unit 115c can store and manage identification information and model name information of the magnetic transmission module 300 identified from the registration information.

The portable terminal 100 performs authentication of the magnetic transmission module 300 through the magnetic transmission module management unit 115c and when the authentication is completed from the key issuing server 600 through the encryption key obtaining unit 115d And receives a public key matching the private key (S115).

Then, the encryption unit 115e of the portable terminal 100 encrypts the card information using the received public key (S117).

Thereafter, the encrypted card information is transmitted to the card information management unit 342 of the magnetic transmission module 300 (S119), and the decryption unit 344 of the magnetic transmission module 300 transmits the card information (S121).

The magnetic transmission module 300 generates and amplifies a magnetic signal from the decrypted card information according to operations of the magnetic signal generator 345 and the amplification unit 346 (S123).

The magnetic signal generating unit 347 of the magnetic transmission module 300 generates a magnetic signal as a magnetic field signal through the magnetic induction coil 310 in step S125. In the payment terminal 400, The card information is read out, and a transaction approval request telegram is generated based on the read card information (S127).

Thereafter, the payment terminal 400 transmits a transaction approval request to the payment server 500 (S129), and then a normal card settlement and approval response can be performed in the payment server 500. [

Figure 5 illustrates an overall system in accordance with another embodiment of the present invention.

In the embodiment of the present invention, a public key and a private key according to an RSA algorithm can be exemplified as an encryption key and a decryption key. However, the public key and the private key may be replaced by a symmetric key according to a DES algorithm. .

Also, different encryption schemes may be applied to each communication section.

In particular, in another embodiment of the present invention, the second encryption is performed so as not to decrypt the card information other than the end of the payment server 500, thereby further improving the security of the card information.

5, the key issuing server 600 may issue the first encryption key and the second encryption key to the portable terminal 100. [ For example, the key issuing server 600 may issue the first encryption key according to the authentication of the magnetic transmission module 300, and may issue the second encryption key according to the authentication of the card reader module 200 .

The first decryption key may be inserted into the magnetic transmission module 300, and the second decryption key may be issued to the payment server 500.

Also, in order to secure the communication section, the portable terminal 100 can primarily encrypt the card information by using the first encryption key. In order to secure the magnetic transmission module 300, Can be used for secondary encryption.

In addition, the magnetic transmission module 300 can receive the card information doubly encrypted in the portable terminal 100. The magnetic transmission module 300 can decrypt the encrypted data with the second decryption key stored in advance, thereby obtaining the card information encrypted first.

Accordingly, the magnetic transmission module 300 can generate a magnetic field signal to cause the first encrypted card information to be read out from the magnetic strip reader of the payment terminal 400. [

Therefore, the card information encrypted with the second encryption key constitutes all or part of the magnetic signal information.

Therefore, even if the magnetic field signal of the magnetic transmission module 300 is stolen from another device other than the payment terminal 400, the information can not be known without the second decryption key, and security can be maintained.

Then, the payment terminal 400 generates a payment approval text using the first-encrypted card information, and can process the approval request to the payment server 500. [

Thereafter, the payment server 500 receives the settlement approval message including the first-encrypted card information, decrypts the card information with the second decryption key obtained by the key issuing server 600, The settlement processing using the magnetic transmission module 300 in which the entire path section is secured can be performed.

6 is a ladder diagram illustrating a method of operating a system according to another embodiment of the present invention.

In the encryption key generation according to the embodiment of the present invention, FIG. 6 illustrates a public key according to the RSA encryption algorithm and a private key matching the public key. The first decryption key may correspond to the first private key, and the second decryption key may correspond to the second private key. And, the first encryption key may correspond to the first public key, and the second encryption key may correspond to the second public key.

However, different encryption schemes may be applied according to the embodiment, and a specific first encryption key, a second encryption key, and a first decryption key and a second decryption key, respectively, May be used.

6 is a flowchart illustrating a method of operating a system according to another exemplary embodiment of the present invention. Referring to FIG. 6, a magnetic transmission module 300 receives a second private key generated by a key issuing server 600, (S100).

Thereafter, the management program is executed in the portable terminal 100 interlocked with the magnetic transmission module 300 (S201). Here, the management program may be a program installed or downloaded in advance in the portable terminal 100 for the operation of the control unit 115 of the portable terminal 100. The control of the magnetic transmission module 300 and the card reader module 200 of the control unit 115 can be interlocked according to the execution of the management program.

The connector 210 of the card reader module 200 is connected to a connection port 135 including an earphone connection terminal 133 and a microphone connection terminal 132 of the terminal 100 in order to register card information of the magnetic strip card. (S203). Although the card reader module 200 is described as being connected to the terminal 100 after the management program is executed, the management program may be executed after the card reader module 200 is connected to the terminal 100. [

At this time, the terminal 100 can recognize the magnetic strip reader of the card reader module 200 through the microphone connection terminal 132 (S205).

Thereafter, when the magnetic strip card is inserted or slid into the card reader module 200, the magnetic strip reader of the card reader module 200 reads the card information (S207).

The read card information is transmitted to the portable terminal 100 through the connection port 135 in step S209 and stored in the memory 113 by the card information management unit 115a of the portable terminal 100 in step S211.

Then, the portable terminal 100 registers the magnetic transmission module using the registration information acquired from the magnetic transmission module 300 (S213).

The magnetic transmission module management unit 115c can store and manage identification information and model name information of the magnetic transmission module 300 identified from the registration information.

The portable terminal 100 performs authentication of the magnetic transmission module 300 through the magnetic transmission module management unit 115c and when the authentication is completed from the key issuing server 600 through the encryption key obtaining unit 115d And receives a first public key and a second public key that match the second private key (S215).

Then, the encryption unit 115e of the portable terminal 100 double-encrypts the card information using the received first public key and the second public key (S217).

Thereafter, the 2WND encrypted card information is transmitted to the card information management unit 342 of the magnetic transmission module 300 (S219), and the decryption unit 344 of the magnetic transmission module 300 uses the previously stored second private key The card information is first decoded (S221).

The magnetic transmission module 300 generates and amplifies a magnetic signal from the first-decoded card information according to operations of the magnetic signal generator 345 and the amplification unit 346 (S223).

The magnetic signal generator 347 of the magnetic transmission module 300 generates a magnetic signal as a magnetic field signal through the magnetic induction coil 310 (S225). The magnetic signal includes card information encrypted with the first public key, which may be referred to as an encrypted magnetic signal.

In step S227, the payment terminal 400 reads the first encrypted card information by deriving a magnetic signal from the magnetic strip reader according to the magnetic field signal, and generates a transaction approval request message based on the read card information.

Thereafter, the payment terminal 400 transmits a transaction approval request to the payment server 500 in step S229. In step S229, the payment server 500 acquires a first private key corresponding to the transaction approval request text from the key issuing server 600 (S231), and decrypts the card information from the first private key to perform a payment approval process (S231).

The above-described payment information processing method according to the present invention may be stored in a computer-readable recording medium. The computer-readable recording medium may be a ROM, a RAM, a CD-ROM , A magnetic tape, a floppy disk, an optical data storage device, and the like, and may also be implemented in the form of a carrier wave (for example, transmission over the Internet).

The computer readable recording medium may be distributed over a networked computer system so that computer readable code can be stored and executed in a distributed manner. And, functional programs, codes and code segments for implementing the above method can be easily inferred by programmers of the technical field to which the present invention belongs.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, It should be understood that various modifications may be made by those skilled in the art without departing from the spirit and scope of the present invention.

100: Portable terminal
200: card reader module
300: Magnetic transmission module
400: Payment terminal
500: Payment server
600: Key issuing server

Claims (15)

A card information processing method of a card information processing apparatus,
Linking the magnetic transmission module with the control of a card reader module for reading card information;
Receiving from a server a second encryption key issued to the portable terminal for securing card information in the magnetic transmission module and the portable terminal according to authentication of the interlocked magnetic transmission module by the portable terminal;
Receiving, from the server, a first encryption key issued to the portable terminal in order to secure the deodorization of the magnetic field signal generated from the magnetic transmission module according to the authentication of the interlocked card reader module;
Wherein the magnetic transmission module is configured such that the digital card information read from the magnetic strip reader of the card reader module is firstly encrypted using the first encryption key and the first encrypted card information is encrypted using the second encryption key Receiving the secondary encrypted card information generated by the secondary encryption from the portable terminal;
The magnetic transmission module first decrypts the secondary encrypted card information to obtain primary encrypted card information with the first encryption key;
The magnetic transmission module processes the primary encrypted card information to generate magnetic signal information for guiding the primary encrypted card information to be read remotely from the magnetic strip reader of the payment terminal; And
And generating a magnetic field signal readable by the payment terminal using the magnetic signal information
A card information processing method of a card information processing apparatus using a magnetic transfer module. The method according to claim 1,
Storing registration information of the magnetic transmission module; And
And registering the registration information in the portable terminal interlocked with the magnetic transmission module
Card information processing method. 3. The method of claim 2,
Wherein the magnetic transfer module includes a second decryption key inserted in the secure area for acquiring the first encrypted card information from the second encrypted card information
Card information processing method. The method of claim 3,
The first encryption key is a first public key generated by the key issuing server,
Wherein the first decryption key corresponding to the first encryption key is a first private key generated by matching the first public key in the key issuing server and provided only to the payment server
Card information processing method. The method of claim 3,
Wherein the first encryption key corresponds to a first public key,
The second decryption key corresponds to a second private key,
Wherein the second encrypted card information is first encrypted with the first public key that matches the first private key and is second encrypted with a second public key that matches the second private key.
Card information processing method. 6. The method of claim 5,
And the card information encrypted with the first public key is decrypted by the first private key in the payment server and used for payment approval processing
Card information processing method. The method according to claim 1,
Wherein the encryption key and the decryption key corresponding to the encryption key correspond to a public key and a private key according to the RSA algorithm
Card information processing method. An apparatus for processing card information by being connected to a portable terminal,
Wherein the portable terminal is coupled to the magnetic transmission module and the card reader module for reading card information, and the portable transmission terminal is connected to the portable terminal through the magnetic transmission module and the portable terminal, A first encryption key issued to the portable terminal is received from the server in response to the authentication of the interlocked card reader module to secure the capture of the magnetic field signal generated from the magnetic transmission module, The digital card information read by the magnetic strip reader of the card reader module is first encrypted using the first encryption key, and the first encrypted card information is encrypted using the second encryption key, Magnetic transmission to receive the encrypted information of the secondary encrypted card Including modules, and
The magnetic transmission module first decrypts the secondary encrypted card information to acquire primary encrypted card information with the primary encryption key, processes the primary encrypted card information, and transmits the primary encrypted card information Generates magnetic signal information for guiding the magnetic stripe reader to read out from the magnetic stripe reader of the payment terminal, and generates a magnetic field signal readable by the payment terminal using the magnetic signal information
Card information processing device using magnetic transmission module. 9. The method of claim 8,
The magnetic transmission module
A storage unit for storing registration information; And
And a local communication unit for transmitting the registration information according to a request of the portable terminal to the portable terminal
Card information processing device. 10. The method of claim 9,
The secondary encrypted card information
And the portable terminal is encrypted with the second encryption key received from the server according to the authentication of the registration information
Card information processing device. 11. The method of claim 10,
The first encryption key is a public key generated by the key issuing server,
Wherein the first decryption key corresponding to the first encryption key is a first private key generated by matching the first public key in the key issuing server and provided only to the payment server
Card information processing device. 9. The method of claim 8,
Wherein the first encryption key corresponds to a first public key,
The second decryption key corresponds to a second private key,
Wherein the second encrypted card information is first encrypted with the first public key that matches the first private key and is second encrypted with a second public key that matches the second private key.
Card information processing device. A method of operating a portable terminal,
Interlocking the control of the magnetic transmission module and the card reader module for reading the card information;
Receiving, from the server, a second encryption key issued to the portable terminal for securing card information in the magnetic transmission module and the portable terminal according to the authentication of the interlocked magnetic transmission module;
Receiving, from the server, a first encryption key issued to the portable terminal in order to secure deodorization of a magnetic field signal generated from the magnetic transmission module according to the authentication of the interlocked card reader module; And
The digital card information read by the magnetic strip reader of the card reader module is first encrypted using the first encryption key, the first encrypted card information is secondarily encrypted using the second encryption key, And transmitting the secondary encrypted card information to the magnetic transmission module,
The magnetic transmission module first decrypts the secondary encrypted card information to acquire primary encrypted card information with the primary encryption key, processes the primary encrypted card information, and transmits the primary encrypted card information Generates magnetic signal information for guiding the magnetic stripe reader to read out from the magnetic stripe reader of the payment terminal, and generates a magnetic field signal readable by the payment terminal using the magnetic signal information
A method of operating a portable terminal. In a portable terminal,
A control unit interlocking the control of the magnetic transmission module and the card reader module for reading the card information; And
Receiving a second encryption key issued to the portable terminal from the server for security of the card information in the magnetic transmission module and the portable terminal according to the authentication of the interlocked magnetic transmission module, Receiving from the server a first encryption key issued to the portable terminal for security of deception of a magnetic field signal generated from the magnetic transmission module, wherein the digital card information read from the magnetic strip reader of the card reader module is transmitted to the first And a communication module for transmitting the secondary encrypted card information, which is first encrypted using the encryption key, and the first encrypted card information is secondarily encrypted using the second encryption key, to the magnetic transmission module and,
The magnetic transmission module first decrypts the secondary encrypted card information to acquire primary encrypted card information with the primary encryption key, processes the primary encrypted card information, and transmits the primary encrypted card information Generates magnetic signal information for guiding the magnetic stripe reader to read out from the magnetic stripe reader of the payment terminal, and generates a magnetic field signal readable by the payment terminal using the magnetic signal information
Portable terminal. A card information processing system comprising:
A card reader module for recognizing card information from the magnetic strip card;
And a card reader module for reading card information recognized by the card reader module, wherein the magnetic transfer module and the card reader module for reading the card information are interlocked with each other, and the magnetic transfer module and the card information security during the authentication of the interlocked magnetic transfer module And a second encryption key issued to the portable terminal from the server for authentication of the magnetic field signal generated from the magnetic transmission module according to the authentication of the interlocked card reader module, Wherein the digital card information read from the magnetic strip reader of the card reader module is firstly encrypted using the first encryption key, and the first encrypted card information is encrypted with the second encryption key Encrypted secondary card information generated using the secondary encryption key The portable terminal transmitting a Magnetic transfer module;
Encrypts the second encrypted card information to acquire first encrypted card information with the first encryption key, processes the first encrypted card information, and transmits the first encrypted card information to the magnetic A magnetic transmission module for generating magnetic signal information for guiding the reading from the strip reader to be remotely generated and for generating a magnetic field signal readable by the payment terminal using the magnetic signal information; And
And a payment terminal for reading the magnetic signal information from the magnetic field signal, generating a transaction approval request message from the first encrypted card information obtained from the magnetic signal information, and transmitting the transaction approval request message to a payment server
Card information processing system.
KR1020150097272A 2015-07-08 2015-07-08 A method for processing card information using magnetic transmission, an appratus and a system thereof KR101784220B1 (en)

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