KR102379900B1 - Card and appication payment apparatus - Google Patents

Abstract

The present invention relates to a payment device combined with a card and a financial payment app, comprising: a case unit having an IC card coupling groove to which an IC card is coupled and a magnetic card moving groove extending so that the magnetic card is movable; an IC card reader disposed in the IC card coupling groove to receive payment information by contacting the integrated circuit when the IC card is coupled to the IC card coupling groove to generate a payment signal; When the magnetic card moves along the extension direction of the magnetic card moving groove, a magnetic reading unit that contacts the magnetic wire to receive payment information and generate a payment signal; and an additional reading unit extending from the magnetic reading unit and disposed at a position spaced apart by a set length to receive payment information from the MST method financial payment app and generating a payment signal, wherein the user selects a terminal equipped with a financial payment app When it comes into contact with the magnetic card moving groove, a payment signal is generated by the magnetic reading unit or the additional reading unit.

Description

Card and financial payment app combined payment device {CARD AND APPICATION PAYMENT APPARATUS}

The present invention relates to a payment device combined with a card and a financial payment app that facilitates various types of payment in addition to magnetic card payment.

Recently, a kiosk for performing unmanned sales or unmanned administrative processing, etc. is being used in public institutions or various companies. A kiosk is a device that allows a user to purchase a desired product through input/output of a display or to perform administrative processing such as issuance of a desired document, and the use of the kiosk is increasing significantly in recent years.

Separately, as a non-face-to-face atmosphere such as social distancing has begun to spread due to the spread of a new virus, especially the spread of Corona 19, the use of non-face-to-face unmanned payment systems and kiosks is rapidly increasing. is the trend

Apart from this, in general, various payment methods that can be used for payment through various mobile payment methods such as Samsung Pay or Apple Pay as well as magnetic cards such as credit cards are used not only through kiosks but also through POS devices in stores. In fact, in the case of Samsung Pay, as of May 2019, the accumulated payment amount exceeded 40 trillion won and the number of subscribers exceeded 14 million in 44 months after its launch, confirming that the frequency of payment use of financial payment apps is gradually increasing.

In addition, in order to pay the amount used through such a financial payment app, a magnetic card-only payment device is generally required. In particular, in the case of Samsung Pay or Apple Pay, which are mostly used among financial payment apps, Magnetic Secure Transmission (MST) technology is used to wirelessly transmit magnetic credit card information to a magnetic card-only payment device to make payment. can be done This has the advantage that it can be used in existing magnetic card payment devices because it does not need to utilize short-range wireless communication technology, so there is an advantage that there is no need to separately install additional components.

Accordingly, like the existing payment devices, a magnetic card-only payment device is embedded or additionally installed in a kiosk or a POS machine. In short, the magnetic card passes through the card reader disposed inside the magnetic storage groove formed on the back side of the card while swiping the card through the groove formed in the payment device dedicated to the magnetic card, and induces an electrical signal in the coil of the card reader, and is generated accordingly The payment is made by receiving the card information from the signal.

The prior art literature for such a conventional magnetic card-only payment device is as follows.

[Prior art literature]

[Practical literature]

Utility Model Application No. 20-2009-0003359 (Title of Invention: Credit card payment machine with UV and magnetic check function)

In general, when payment is made in the MST method through a financial payment app such as Samsung Pay using a terminal such as a smartphone, the terminal holder or the payer touches the terminal near the card reader of the payment device dedicated to the magnetic card and sends it to the terminal. The stored credit card information should be transmitted to the card reader of the magnetic card-only payment device.

However, as the length of the magnetic card payment device installed in a kiosk or POS device is getting longer or additional components are merged, the length tends to get longer. As the location of the card reader inside the payment device or the location of the payment sensor in the terminal is not clearly known, there is a problem that payment cannot be made at once through contact.

In detail, the user has to contact the terminal while moving it until the payment is made in the payment device dedicated to the magnetic card, and if the user does not contact the terminal at the correct location, the sensitivity is weakened and the payment cannot be made in time.

Accordingly, there is a problem that not only causes inconvenience to users at times when payment is frequently made, such as lunch time, but also the utility of instantaneous payment, which is the maximum efficiency of the financial payment app, is reduced.

As a supplement to this problem, financial payment app providers such as Samsung or payment device providers are providing stickers that can be attached to locations where they need to be contacted when paying with financial payment apps, but this is not a fundamental solution and the aesthetics of the payment device. There is a problem that harms

In order to solve the above problems, an object of the present invention is to provide a payment device combined with a card and a financial payment app that can improve the range of response of a payment signal through a financial payment app such as Samsung Pay. It is not limited to the technical problem as described above, and another technical problem may be derived from the following description.

A card and financial payment app combined payment device according to an embodiment of the present invention includes: a case unit having an IC card coupling groove to which an IC card is coupled and a magnetic card moving groove extending so that the magnetic card is movable; an IC card reading unit disposed in the IC card coupling groove to receive payment information by contacting an integrated circuit when the IC card is coupled to the IC card coupling groove to generate a payment signal; a magnetic reading unit for receiving payment information and generating a payment signal by contacting a magnetic wire when the magnetic card moves along the extension direction of the magnetic card moving groove; and an additional reading unit extending from the magnetic reading unit and disposed at a location spaced apart by a set length to receive payment information from the MST-type financial payment app and generate a payment signal; When the provided terminal is brought into contact with the magnetic card moving groove, a payment signal is generated by the magnetic reading unit or the additional reading unit.

In addition, the magnetic reading unit may include: a magnetic header unit disposed to be exposed to the magnetic card moving groove on one surface of the case unit and contacting the magnetic wire to receive payment information and generate a payment signal; and a magnetic header fixing part for fixing the magnetic header part in an exposed state to the magnetic card moving groove, wherein the magnetic wire is a first information area in which first payment information is stored, and a second information in which second payment information is stored. An information area and a third information area for storing third payment information are formed, the financial payment app has a fourth information area for storing second payment information, and the magnetic header unit is configured to store the first information area from the first information area. 1 Divided into a first reception area for receiving payment information, a second reception area for receiving the second payment information from the second information area, and a third reception area for receiving the third payment information from the third information area characterized by being

In addition, when the user brings the terminal into contact with the magnetic moving groove disposed in the sensing area of the second receiving area of the magnetic header part, the second receiving area of the magnetic reading unit is the second payment of the fourth information area. It is characterized in that the payment signal is generated by receiving the information.

In addition, the additional reading unit may include: an extension part having one end connected to the second reception area of the magnetic header part and extending from the magnetic header part by a set length; and a receiving unit disposed at the other end of the extension and having a fourth receiving area receiving the receiving power of the second receiving area to receive the second payment information.

In addition, the set length is characterized in that it has a distance greater than or equal to the sensitive area of the second reception area of the magnetic header part.

In addition, when the user brings the terminal into contact with the magnetic moving groove disposed in the sensitive area of the fourth receiving area of the receiving unit, the fourth receiving area of the additional reading unit is the second payment information in the fourth information area. It is characterized in that by receiving a payment signal is generated.

According to the card and financial payment app combined payment device according to an embodiment of the present invention having the configuration as described above, the following effects are obtained.

First of all, when making a payment using a financial payment app using MST technology, the responsive area for receiving a credit card signal is significantly higher than that of existing devices, so the effect of payment is made no matter where the user touches the terminal. there is.

In addition, according to this efficiency, the payment time or payment convenience of the payer who proceeds with the payment is improved, and the waste of payment time at the counter during congested times is minimized, thereby saving manpower and time consumed for the payment.

In addition, user inconvenience is minimized and there is no need to attach or add additional products such as stickers, and in addition, conventional magnetic cards and IC cards can be used at the same time. There is an effect that can be done.

1 is a front view of a kiosk device provided with a card and a financial payment app combined payment device according to an embodiment of the present invention.
Figure 2 is a front perspective view of a payment device combined with a card and financial payment app according to an embodiment of the present invention.
Figure 3 is a front view of a payment device combined with a card and financial payment app according to an embodiment of the present invention.
4 is an enlarged view of a bottom view and a magnetic reading unit of a payment device combined with a card and financial payment app according to an embodiment of the present invention.
5 is a front, lower perspective exploded view of a payment device combined with a card and financial payment app according to an embodiment of the present invention;

Hereinafter, with reference to the accompanying drawings, the embodiments of the present invention will be described in detail so that those of ordinary skill in the art to which the present invention pertains can easily implement them. The present invention may be embodied in many different forms and is not limited to the structure or method described herein.

An embodiment of the present invention is a payment device for both a card and a financial payment app that can make payment using various check or credit cards such as magnetic cards and IC cards, as well as financial payment apps using magnetic secure transmission technology such as Samsung Pay Therefore, hereinafter, such a payment device will be briefly referred to as a “payment device”.

1 is a front view of a kiosk device equipped with a card and financial payment app combined payment device according to an embodiment of the present invention, and FIG. 2 is a card and financial payment app combined payment device according to an embodiment of the present invention It is a front perspective view, and FIG. 3 is a front view of a payment device combined with a card and financial payment app according to an embodiment of the present invention, and FIG. It is an enlarged view of the reading unit, and FIG. 5 is an exploded front, lower perspective view of the payment device for card and financial payment app according to an embodiment of the present invention.

1 to 5 , the payment device 100 according to an embodiment of the present invention is embedded or installed in a device for payment, such as a kiosk 1 or a POS machine, or a separate payment device for payment only. (100) may exist. In this embodiment, although the description is based on the payment device 100 installed in the kiosk 1, it is not limited thereto, and it should be noted that it can be coupled to various devices.

The kiosk 1 is disposed on the front of the main body 10 and the main body 10 forming the entire exterior to output information to the user and receive a desired input and input/output unit 20, below the input/output unit 20 It can include a payment device 100 of a form that is arranged and extended on both sides, a receipt output unit 30 that outputs a receipt provided after payment, and a code reader 40 that remotely receives barcodes or QR codes, etc. there is.

Of each configuration, other configurations except for the payment device 100 according to the embodiment of the present invention are the same as the configuration of the general kiosk 1 , and a detailed description thereof will be omitted as it is considered a known technology.

The payment device 100 according to an embodiment of the present invention forms an exterior, can be coupled to the kiosk 1, and the like, and includes a case unit 110 and a case unit 110 to which a real card such as a credit card can be coupled or moved. It is disposed on the lower side of the magnetic readout unit 130 that receives the information of the magnetic card 300 or financial payment app to generate a payment signal, is disposed on one side of the case unit 110 and receives the signal of the IC card 200. IC reading unit 120 that generates a payment signal, an additional reading unit 140 extending from the magnetic reading unit 130 and generating a payment signal of a financial payment app through a terminal, magnetic reading unit 130, IC reading unit It may include an information transmitting unit 150 for transmitting the magnetic card 300 or IC card 200 information received from the 120 and the additional reading unit 140 . Below, each configuration will be described in detail.

The case unit 110 provides a payment space in which a credit card can be coupled or moved, and is a means that can be coupled to the kiosk 1 by forming an exterior. Below, the credit card is divided into a magnetic card 300 and an IC card 200 according to the payment method. However, since this is a separate term for payment, a credit card may be used in combination with both the magnetic card 300 and the IC card 200 .

In detail, the case unit 110 is disposed on the front side of the case unit 110, only the front side of the case unit 110 is opened and is formed in the form of a groove extending to both sides to provide a space for the magnetic card 300 to pass through the magnetic card moving groove 111. ), an IC card coupling groove 112 that is disposed on one side of the upper side of the magnetic card moving groove 111 to provide a space for the IC card 200 to be coupled, and is disposed at the bottom of the magnetic card moving groove 111 to provide a magnetic reading unit (130) may include a reading unit coupler to be coupled.

The magnetic card moving groove 111 is formed to have a length corresponding to the length from one side to the other side of the case unit 110, and a first part 111a into which the magnetic card 300 is first inserted and a moving path for payment. It may be divided into a second part 111b provided.

In this case, as the upper and lower widths of the first part 111a are wider than the upper and lower widths of the second part 111b, the user moves the card in the extension direction of the magnetic card moving groove 111 to move the magnetic card. It serves to easily insert a credit card into the first portion 111a of the moving groove 111 . In addition, the second part 111b is formed so that the upper and lower widths have a size corresponding to the width of the magnetic card 300 so that the magnetic card 300 is horizontally or vertically along the extension direction of the magnetic card moving groove 111 . It serves as a guide for moving.

The IC card coupling groove 112 is arranged so that the front surface of the case unit 110 is opened, and both sides have a length that is narrower than the side length of the magnetic card moving groove 111 . This is because, unlike the magnetic card moving groove 111 , as a groove for the user to insert and couple the IC card 200 , payment can be made by simply inserting the card and combining it.

In addition, an arrangement space for arranging the magnetic reading unit 130 and the additional reading unit 140 may be formed on the lower surface of the case unit 110 , that is, below the lower surface where the magnetic card moving groove 111 is formed. In this case, the reading unit coupler 114 is formed in the form of an opening in the center of the lower surface of the case unit 110 to provide a space in which the magnetic reading unit 130 to be described later can be coupled to protrude upward.

The case unit 110 may further include coupling units 113 disposed on both sides to be fixedly coupled to the kiosk 1 by screws or the like. However, the position or shape of the coupling part 113 may be changed according to the structure or shape of the device to be coupled, and may be coupled in various ways such as welding as well as a coupling method in which a screw is inserted and coupled by being formed in an opening shape. make it clear that

The magnetic reading unit 130 is disposed in the arrangement space to read the information of the magnetic storage unit 310 formed in the magnetic card 300 when the magnetic card 300 comes into contact, and is a means capable of generating a payment signal through this. In detail, the magnetic reading unit 130 contacts the magnetic storage unit 310 to obtain information and reads it to generate a payment signal. The magnetic header unit 131, the magnetic header unit 131 and the reading unit coupler 114. Each coupled to the magnetic header portion 131 may include a magnetic header fixing portion 132 for arranging so as to protrude upward through the reading unit coupling hole 114 to be fixed.

The magnetic header unit 131 is disposed to penetrate upward through the reading unit coupling hole 114 so that when the user moves the magnetic card 300 through the magnetic card moving groove 111, the magnetic storage unit 310 and It is a means for receiving information of the magnetic card 300 by contact.

In detail, the magnetic header unit 131 may be divided into a first reception area 131a, a second reception area 131b, and a third reception area 131c. In the case of the first reception area 131a, the holder's name, CVC information, etc. are stored and the corresponding information can be received, and this may be an area not used in Korea. In addition, the second receiving area 131b is a section in which the card number, expiration date, and CVC information of the magnetic card 300 can be received, and the third receiving area 131c is the magnetic card 300 is used for gift cards, etc. This is the area where card number, expiration date, and CVC code information, which are information to be received, can be received.

This is a configuration to correspond to the information area of the magnetic storage unit 310 of the generally used magnetic card 300, and the magnetic storage unit 310 is divided into a first information area, a second information area and a third information area. can be In the case of the first information area, the holder's name and CVC information to be received in the first reception area 131a may be stored, and the magnetic card 300 to be received in the second reception area 131b in the second information area. of card number information can be stored, and in the third information area, the card number, expiration date, and CVC code information for gift card payment, etc. of the magnetic card 300 to be received in the third receiving area 131c are stored. can

With this configuration, in the process of the user moving the magnetic card 300 along the extension direction of the magnetic card moving groove 111 , the information stored in the first to third information areas of the magnetic storage unit 310 is the magnetic header. It may be received in the first reception area 131a to the third reception area 131c of the unit 131 . The magnetic header unit 131 may generate a payment signal based on the received card information.

In addition, in the case of a payment method using a terminal, that is, a payment method using a financial payment app of the MST method, a fourth information area is formed to transmit information. The information stored in the fourth information area may be the same information as the information stored in the second information area of the magnetic storage unit 310, and in detail may be card number information. In the case of a payment method using a financial payment app of the MST method using a terminal, a payment signal may be generated using only card number information.

Accordingly, when the terminal comes into contact with the sensitive area of the magnetic header unit 131, in detail, within the sensitive area of the second receiving area 131b, the second receiving area 131b of the magnetic header unit 131 is applied to the financial payment app. A payment signal may be generated by receiving card number information stored in the fourth information area.

The magnetic header fixing part 132 is a means for stably fixing the magnetic header part 131 so that the magnetic header part 131 passes through the reading unit coupling hole 114 and protrudes upwardly. To this end, the magnetic header fixing part 132 may be coupled to the lower surface of the magnetic header part 131 and the case part 110 . In detail, the magnetic header fixing part 132 may have an exposure hole formed in the center to expose the magnetic header part 131 , and coupling parts for fixing to the upper surface of the case part 110 may be disposed at both side ends. However, this is only a shape for illustration, and if the magnetic header part 131 can be stably fixed, there is no limitation on the shape.

In addition, the magnetic header fixing unit 132 is made of a conductive material so that the magnetic header unit 131 or the additional reading unit 140 can efficiently receive a signal by the magnetic storage unit 310 or the MST-type financial payment app. can be done

The IC reading unit 120 is a means capable of generating a payment signal by receiving and reading information of the IC card 200 when the IC card 200 is inserted and coupled to the IC card coupling groove 112 . In detail, the IC reading unit 120 may contact the integrated circuit disposed in the IC card 200 to read payment information such as card number, owner information, and expiration date stored in the integrated circuit. To this end, the IC reading unit 120 may be disposed at a position in contact with the integrated circuit when the IC card 200 is inserted into the IC card coupling groove 112 and coupled to the inside of the IC card coupling groove 112 . The technology for receiving the information of the IC card 200 is a well-known technology, and a detailed description thereof will be omitted.

The additional reading unit 140 is extended from the magnetic reading unit 130 and is a means capable of generating a payment signal by receiving and reading information from the MST-type financial payment app. In detail, the additional reading unit 140 has one end connected to the magnetic reading unit 130 and is disposed at the extension 141 and the other end of the extension 141 extended by a set length to receive information from the MST-type financial payment app. It may include a receiving unit 142 that receives and reads and generates a payment signal.

The extension part 141 may be disposed between the magnetic header part 131 and the receiver 142 of the magnetic reading part 130 to connect both components. In detail, the extension part 141 may be made of a conductive material through which a signal may be transmitted, and one end may be connected to the second receiving area 131b of the magnetic header unit 131 and the other end may be connected to the receiving unit 142 . . Accordingly, there is an effect that the receiving unit 142 can also perform the same role as the second receiving area 131b by receiving the received signal of the second receiving area 131b of the magnetic header unit 131 . . That is, the fourth reception area may receive card number information transmitted from the fourth information area of the MST-type financial payment app.

In addition, the extension part 141 may be formed to have a set length so that the magnetic header part 131 and the receiver 142 are spaced apart by a preset length. Here, the set length is a length that can be set by a user depending on the length of both sides of the case unit 110 , but is longer than the sensitive area of the magnetic reading unit 130 , specifically, the second receiving area 131b of the magnetic header unit 131 . It is preferably formed with For example, when the magnetic header part 131 is disposed in the center of the case part 110 , the set length may be formed to be 1/2 the length from the center of the case part 110 to one end.

The receiving unit 142 is disposed at the other end of the extension unit 141 and receives the receiving power of the second receiving area 131b of the magnetic header unit 131 to receive a fourth reception capable of receiving the number information of the magnetic card 300 . It is the means by which the area is formed. In detail, the receiving unit 142 receives the reception power of the second receiving area 131b of the magnetic header unit 131 from the extension 141 and through the fourth receiving area to the fourth information area of the MST-type financial payment app. Stored card number information can be received, and a signal can be transmitted to transmit reception power, and it can be formed of a conductor coil to efficiently receive card number information through an MST-type financial payment app.

In addition, the receiving unit 142 may be disposed to be spaced apart from the magnetic header unit 131 by a set length on one side of the lower surface of the case unit 110, and in addition to the magnetic card moving groove 111 and the case unit 110 It may be disposed in a physically separated state by the lower surface. Here, the set length may be a distance greater than or equal to the sensing region in which the second receiving region 131b of the magnetic header unit 131 can receive a signal remotely.

Accordingly, even when the magnetic card 300 moves from the first part 111a to the second part 111b along the extension direction of the magnetic card moving groove 111, the magnetic storage unit 310 and the receiving unit 142 does not occur, and the information of the first to third information areas stored in the magnetic storage unit 310 of the magnetic card 300 is not received in the fourth reception area, so that the user selects the magnetic card 300 When payment is made through the payment signal, the payment signal is received through the receiving unit 142, and thus a problem in which the payment is duplicated can be prevented.

The receiving unit 142 may be bonded through silicon or the like to be fixed to one side of the lower surface of the case unit 110 , and in addition to this, various coupling methods such as forming a fixing groove on the lower surface of the case unit 110 and fitting are used. When the case part 110, it can be coupled to one side, and there is no limitation on the coupling method.

The information transmission unit 150 is connected to the IC reading unit 120 and the magnetic reading unit 130 to receive the payment signal generated by the IC reading unit 120 , the magnetic reading unit 130 and the additional reading unit 140 . It is a means for transmitting to the control unit. In this embodiment, the information transmission unit 150 may transmit a payment signal to the control unit of the kiosk 1, but is not limited thereto. In this case, the information transmission unit 150 may transmit a payment signal to the control unit of the POS device or its own built-in control unit.

Hereinafter, the operating state of the payment device 100 combined with a card and financial payment app according to an embodiment of the present invention will be described in connection with each configuration.

In order for the user to proceed with payment using a general IC card 200, first, the IC card 200 may be inserted into the IC card coupling groove 112 to be coupled. When the IC card 200 is coupled to the IC card coupling groove 112, the IC reading unit 120 contacts the integrated circuit of the inserted IC card 200, and the card number, owner information, and expiration date stored therein in the integrated circuit. payment information can be read. The IC reading unit 120 may generate a payment signal based on the read payment information, and the generated payment signal is transmitted to the control unit through the information transmitting unit 150 to make payment.

In addition, the user moves the magnetic card 300 to the magnetic card moving groove 111 in order to proceed with the payment using the magnetic card 300, the magnetic storage unit 310 and the magnetic reading unit of the magnetic card 300 ( The magnetic header part 131 of 130 may be contacted. In this case, the card number information stored in the second information area of the magnetic storage unit 310 and card owner and expiration date information stored in the third information area are stored in the second reception area 131b and the second information area of the magnetic header unit 131 . 3 Received by the receiving area 131c, payment information can be read. A payment signal may be generated based on the payment information read by the magnetic reading unit 130 , and the generated payment signal may be transmitted to the control unit through the information transmitting unit 150 .

Finally, a case in which the user proceeds with payment through a financial payment app using MST technology will be described. The user may contact the payment device 100 with the terminal on which the MST technology-based financial payment app is installed. In detail, the user may bring the terminal into contact with the case unit 110 near the magnetic card moving groove 111 of the payment device 100 .

In this case, when the terminal is in contact with the case part 110 on the central side of the first extension groove of the payment device 100, it may enter the sensitive area of the magnetic header part 131, and accordingly, the magnetic header part 131 A payment signal may be generated by receiving card number information stored in the fourth information area generated from the terminal in the second receiving area 131b of the .

Conversely, when the terminal is in contact with the case part 110 on one side or the other side of the first extension groove of the payment device 100, that is, outside the sensitive area of the magnetic header part 131, set from the magnetic header part 131 Since the receiving unit 142 of the additional reading unit 140 is disposed at a position spaced apart by a length, it may be disposed within the sensing region of the receiving unit 142, and thus generated from the terminal in the fourth receiving region of the receiving unit 142 A payment signal may be generated by receiving the card number information stored in the fourth information area.

That is, even if the terminal is in contact with the case unit 110 at various positions such as the central side of the first extension groove, one side, or the other side, it can contact any one of the sensitive area of the magnetic reading unit 130 or the additional reading unit 140 . Therefore, card number information of the fourth information area formed in the MST-type financial payment app can be received, and the user can generate a payment signal with only one contact with the terminal.

In addition, since the additional reading unit 140 is physically separated from the magnetic card moving groove 111 by the upper surface of the case unit 110 , the magnetic card 300 passes through the magnetic card moving groove 111 . There is no possibility that the storage unit 310 comes into contact with the receiving unit 142 of the additional reading unit 140 , and thus, there is an effect that stability for payment of the magnetic card 300 can be improved.

So far, preferred embodiments of the present invention have been mainly looked at. Those of ordinary skill in the art to which the present invention pertains will understand that the present invention can be implemented in a modified form without departing from the essential characteristics of the present invention. Therefore, the disclosed embodiments are to be considered in an illustrative rather than a restrictive sense. The scope of the present invention is indicated in the claims rather than the foregoing description, and all differences within the scope equivalent thereto should be construed as being included in the present invention.

100: payment device 110: case unit
111: magnetic card moving groove 112: IC card coupling groove
114: reading unit coupler 120: IC reading unit
130: magnetic reading unit 131: magnetic header unit
132: magnetic header fixing unit 140: additional reading unit 141: extension unit 142: receiving unit
150: information transmission unit

Claims (6)

a case unit having an IC card coupling groove to which the IC card is coupled and a magnetic card moving groove extending so that the magnetic card can be moved;
an IC card reading unit disposed in the IC card coupling groove to receive payment information by contacting an integrated circuit when the IC card is coupled to the IC card coupling groove to generate a payment signal;
a magnetic reading unit that contacts a magnetic wire to receive payment information and generate a payment signal when the magnetic card moves along the extension direction of the magnetic card moving groove; and
An additional reading unit extending from the magnetic reading unit and disposed at a position spaced apart by a set length to receive payment information from the MST method financial payment app and generating a payment signal;
Card and financial payment app combined payment device, characterized in that when the user contacts the terminal equipped with the financial payment app to the magnetic card moving home, a payment signal is generated by the magnetic reading unit or the additional reading unit The method of claim 1,
The magnetic reading unit,
a magnetic header part disposed on one surface of the case part so as to be exposed to the magnetic card moving groove and contacting the magnetic wire to receive payment information and generate a payment signal; and
and a magnetic header fixing part for fixing the magnetic header part in a state exposed to the magnetic card moving groove,
The magnetic wire has a first information area for storing first payment information, a second information area for storing second payment information, and a third information area for storing third payment information,
The financial payment app is formed with a fourth information area in which the second payment information is stored,
The magnetic header unit includes a first reception area for receiving the first payment information from the first information area, a second reception area for receiving the second payment information from the second information area, and a second reception area for receiving the second payment information from the third information area. 3 Payment device combined with card and financial payment app, characterized in that it is divided into a third reception area for receiving payment information 3. The method of claim 2,
When the user brings the terminal into contact with the magnetic card moving groove arranged in the sensitive area of the second receiving area of the magnetic header part,
The card and financial payment app combined payment device, characterized in that the second receiving area of the magnetic reading unit receives the second payment information of the fourth information area and generates a payment signal. 4. The method of claim 3,
The additional reading unit,
an extension part having one end connected to the second reception area of the magnetic header part and extending from the magnetic header part by a set length;
and a receiving unit disposed at the other end of the extension unit to receive the receiving power of the second receiving area and having a fourth receiving area configured to receive the second payment information. 5. The method of claim 4,
The set length is a card and financial payment app combined payment device, characterized in that it has a distance greater than or equal to the sensitive area of the second receiving area of the magnetic header part. 6. The method of claim 5,
When the user brings the terminal into contact with the magnetic card moving groove disposed in the sensitive area of the fourth receiving area of the receiving unit,
The card and financial payment app combined payment device, characterized in that the fourth reception area of the additional reading unit receives the second payment information of the fourth information area and generates a payment signal.

Images