KR20020060418A - Card settlement method using Bluetooth chip - Google Patents

Abstract

PURPOSE: A credit card settlement method using a Bluetooth chip is provided to maintain the security of a credit card of a purchaser since the staff does not need to take the credit card for settlement. CONSTITUTION: A purchaser purchases products and makes a card reader(205) loading a Bluetooth chip read a credit card. The card reader(205) reads card data from the credit card and transmits data to a credit card company server(201) connected with a member store server(203) via a network(202) by using a terminal(204) loading the Bluetooth chip. The credit card company server(201) confirms the state of the credit card and credit state of the purchaser, so that the credit card company server(201) approves transaction if there is no abnormality. The approved materials are transmitted to the card reader(205) through the network(202), the member store server(203), and the terminal(204), so that the transaction approval result is output.

Description

Card settlement method using Bluetooth chip {Card settlement method using Bluetooth chip}

The present invention relates to a card payment method using a Bluetooth chip, and more particularly to a card payment by configuring a local area network between a card reader and a terminal using a Bluetooth chip.

Bluetooth is a technology that wirelessly connects portable devices such as portable PCs and mobile phones within a narrow range at low cost, and uses radio frequency to exchange voice and data without physical cables for communication between various digital devices.

The Bluetooth was launched as an open standard by five companies, Ericsson, Nokia, Intel, Toshiba and IBM, forming a consortium called the Bluetooth Special Interest Group (SIG) in 1998. Since then, Lucent Technologies, Motorola, Microsoft, 3Com, etc. In addition to the SIG (Special Interest Group), the number of member companies has already reached 1,790 companies worldwide (as of April 20, 2000), and this number is continually increasing, so Bluetooth is now the global standard for short-range wireless communication. It is solidifying its status.

Bluetooth is a protocol that provides short-range wireless link function between electronic devices in homes and offices, as proposed by Ericsson, Toshiba, Nokia, IBM and Intel. Ad hoc network among mobile devices is provided to provide functions such as File Transfer, Dial up networking, Synchronization, 3 in 1 Phone, Ultimate Handset, ComputerSpeak phone, Cordless Computer and Conference Table.

The transmission and reception distance of Bluetooth is usually 10cm ~ 10m, but if the output is increased, communication is possible up to 100m, and it can penetrate solid and non-metallic solid as an advantage to compensate for the shortcomings of the current InfraRed Data Association (IrDA) standard. Wireless connection is possible not only for fixed communication environment but also for mobile communication environment, and it is possible to point to multipoint in which one device can deal with many other devices, and radio waves are transmitted in all directions and economically. Also has its advantages.

In addition, the Bluetooth radio module of the Bluetooth protocol provides a maximum of 1 Mbps using 2.4 GHz Industrial Scientific Medical (ISM) and applies a frequency hopping technique to reduce the effects of fading interference. The modulation method uses a binary FM (frequence modulation) method.

Baseband module delivers baseband protocol, provides routing function with low-level link of remote device, Link Manager Protocol (LMP) provides link control function such as link setup, L2CAP (Logical) The Link Control and Adaptation Protocol module provides higher layer protocol multiplexing, packet fragment reassembly, and quality of services (QoS), and RFCOMM is a higher layer of L2CAP that transmits data from the application layer. Provides

The wireless access technology provided by Bluetooth is based on Ad hoc network and provides data service using TCP / IP and interface functions such as Host Interface Device (HID), Object Exchange Protocol (OBEX) and audio in Piconet environment. In order to provide a stable link in a noisy environment, Bluetooth Radio provides a fast sensing and frequency hopping method for the environment.

In addition, it has the advantage of excluding interference caused by other signals as much as possible by using hopping function and small packet which is faster than other systems using the same frequency band. Forward Error Correction (FEC) minimizes the effects of random noise in long-range link environments.

In addition, since Bluetooth transmission provides a full-duplex method in which a circuit and a packet switching mode are mixed based on a time division duplex (TDD), a packet used in Bluetooth generally has one TDD slot. It can be extended to multiple slots, and the characteristics of the TDD slot provide synchronous and asynchronous channels, provide one asynchronous data channel and up to three synchronous voice channels, and support 64 kb / s synchronous voice channels. The asynchronous channel provides up to 56.7 kb / s in the carrier direction, allows up to 432.6 kb / s on symmetrical links, and supports up to 721 kb / s in any direction.

1A is an installation diagram of a conventional card payment method, when a purchaser purchases and pays an item using a credit card at each booth 103 in a merchant, a booth employee takes a buyer's credit card and uses a central card reader. After making a payment using 102, the goods and the credit card are returned to the buyer.

FIG. 1B is a view illustrating the installation of another conventional card payment method, in which a card reader 102 is installed at each booth 103 in a merchant, connected to the central server 101 by wire, and a buyer purchases the goods at the booth 103. If you buy a card, you can pay by card.

However, if the employee takes the buyer's card and pays it, the loss of the card or the leakage of the password becomes a problem, and when the wired network is installed, the network configuration is frequently changed due to the location of the merchant that is changed from time to time. There was an issue that was spent.

Therefore, an object of the present invention is to solve the problems of the conventional card payment method, it is possible to maintain the security of the card of the buyer, and maintenance according to network management because it does not require a separate network device The present invention provides a card payment method using a Bluetooth chip that does not require cost.

Figure 1a is an installation of a conventional card payment method.

Figure 1b is an installation of another conventional card payment method.

Figure 2 is an installation of a card payment method using a Bluetooth chip according to the present invention.

Figure 3 is a block diagram of a card payment method using a Bluetooth chip according to the present invention.

* Explanation of symbols for main parts of the drawings

201: card company server 202: network 203: merchant server

204: Terminal 205: Card reader 1 206: Card reader 2

207: Card Reader 3

In order to achieve the above object, a card payment method using a Bluetooth chip according to the present invention includes a card company server 201 for determining whether to accept a transaction by receiving card information of a buyer, card information of a buyer, and purchased goods information. The merchant server 203 which transmits to the card company server 201 to request transaction approval and the network 202 connecting the card company server 201 and the merchant server 203 wirelessly by using a local area network. Send and receive data wirelessly with card readers 205, 206, and 207 and card readers 205, 206 and 207 with a Bluetooth chip for transmitting and receiving card purchase information. Characterized in that it comprises a terminal 204 is built-in Bluetooth chip for transmitting and receiving.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 2 is an installation diagram of a card payment method using a Bluetooth chip according to the present invention, wherein card booths 205, 206, and 207 with a Bluetooth chip are installed in each booth 103 in a merchant, and the Bluetooth chip is installed. By connecting the built-in terminal 204 with a wireless network, the buyer booth

When the item is purchased at 103, the card can be settled immediately.

3 is a block diagram of a card payment method using a Bluetooth chip according to the present invention, in which a buyer purchases an item and the card reader is one of the card readers 205, 206, and 207 equipped with a Bluetooth chip. 205, the card reader 1 205 equipped with a Bluetooth chip reads card information from the card and uses the contents of the card through the terminal 204 wirelessly equipped with the Bluetooth chip using a Bluetooth chip which is a local area network. Network with 203

When the card company server 201 is connected to the server company 201 connected to the request for a transaction approval, the card company server 201 is capable of theft and loss of the card and the buyer's credit status and transaction through the received card information. If there is no abnormality, and if there is no abnormality, the transaction is approved, and the approved data is again sent through the network 202, the merchant server 203, and the terminal to the card reader 1 (205) to output the transaction approval result. do.

The present invention is a variety of modifications are possible without departing from the basic concept according to the needs of those skilled in the art without limiting the place, such as gas station, department store.

As described above, according to the present invention, since the employee does not need to take the buyer's card and make a payment, the buyer's card can be kept secure against the loss of the card or the leakage of the password. Even if the location of the network is frequently replaced, it does not require a separate network device, so the maintenance cost of network management is not required.

Claims (1)

Card company server that receives the card information of the buyer and decides whether to accept the transaction 201, the merchant server 203 which transmits the card information of the purchaser and the purchased goods information to the card company server 201 to make a transaction approval request, and the card company server 201 and the merchant server 203. In the card payment method using a terminal for connecting the network 202 to connect, and the merchant server 203 to confirm the use of the card, Card reader method using a Bluetooth chip, characterized in that it comprises a card reader (205) (206) (207) with a Bluetooth chip embedded therein and a terminal (204) with a built-in Bluetooth chip.