KR20070103816A - Voice credit card information transferring system and its method - Google Patents

Abstract

A system and a method for delivering card information using a voice signal are provided to transform encrypted code information into a voice signal to be transferred to a communication network, and allow a card information recognition server to recognize the voice signal to recover the card information so that credit card settlement is approved. A start button is pressed to start outputting card information or a starting signal is detected by a high frequency detector(S301). An event counter and time information are provided if the starting signal is detected, and a disposable encryption key is randomly made(S302). A character/number information code string is made by performing encryption using the disposable encryption key in order to prevent information drain(S304). Transfer error check codes for the character/number information code string are made and a transmit data code string is made(S306). A voice signal is synthesized according to cords of transmission data, or extracted from a sound source database. The sound signal is output through a speaker(S309).

Description

Card information delivery system using voice signal and method thereof {VOICE CREDIT CARD INFORMATION TRANSFERRING SYSTEM AND ITS METHOD}

1 is a block diagram showing the configuration of a card apparatus and a card information input apparatus having a client-side voice generation function according to an embodiment of the present invention;

2 is a block diagram showing the configuration of a V-Card (V-Card) recognition server according to an embodiment of the present invention;

3 is a block diagram showing a configuration example in which a card apparatus having a client-side voice generation function according to an embodiment of the present invention is not provided with an encryption means;

4 is a block diagram showing a schematic configuration of a general card payment system.

5 is a flowchart showing processing of a card apparatus having a sound generating function according to an embodiment of the present invention;

6 is a flowchart showing processing of a V-card recognition server having a voice generation function according to an embodiment of the present invention;

7 is a block diagram illustrating a compression method of a voice signal used in a general mobile communication system and a VoIP telephone system, and shows an example of a CELP series compression method.

8 is a block diagram illustrating a restoration method of a voice signal used in a general mobile communication system and a VoIP telephone system, and shows an example of a CELP series restoration method.

FIG. 9 is a diagram showing a formant structure of a voice signal for each code designed to have discriminating powers for 12 characters used in a telephone keypad; FIG.

10 is a block diagram showing a configuration of a text-to-speech unit according to an embodiment of the present invention;

11 is a flowchart illustrating a text-to-speech unit according to an embodiment of the present invention;

12 is an exemplary view illustrating an acoustic signal used in data input using a conventional acoustic signal and frequency characteristics thereof;

FIG. 13 is an exemplary diagram illustrating an example of an audio signal and a frequency characteristic of which channel distortion is minimized as an audio signal generated by applying a card and a processing method thereof according to an embodiment of the present invention; FIG.

14 is an example of a voice signal generated by applying a terminal apparatus and a processing method thereof according to an embodiment of the present invention, in which channel distortion is an example of a voice signal sequence and a frequency characteristic;

FIG. 15 is a diagram illustrating an example of a speech signal sequence and a frequency characteristic passed through a mobile communication network by applying a terminal apparatus and a processing method thereof according to an embodiment of the present invention. FIG.

<Description of the symbols for the main parts of the drawings>

100: card apparatus having a sound generating function 101: start detection means

102: one-time encryption key generation means 104: card information encryption means

106: text-to-speech means 110: card device

108: speaker 130: card input device

132: microphone 134: (conventional) card reader

136: card information output request means 200: V-card recognition server

202: input device / communication network matching means 206: voice recognition means

204: speech segment detection / feature parameter extraction means

208: Error verification and decryption means

The present invention relates to a card information delivery system and method using a voice signal, and more particularly, to a card information delivery system and method using a voice signal that can be applied without being affected by the type of communication network in the card payment system.

Specifically, when paying with a card such as a credit card or debit card in general commerce, a method of inputting card information by scanning a card (magnetic card method) or adjacent (IC card method) to a card reader is applied. Doing. However, the present invention, by generating the card information from the card as an encrypted voice signal and input to the microphone of the card information input device, the input voice signal is transmitted directly to the V-card recognition server connected to the communication network to restore the card information As a technology of how to make a normal payment, it is not affected by the type of communication network (PSTN, CDMA, GSM, VoIP, TCP / IP, etc.) used to interoperate with a card information recognition server in a remote place. The present invention relates to a card information transfer system and a method using a voice signal that can be applied.

In general, the card payment system is a service system that is very active not only in Korea but also in the world since general commerce is possible without carrying cash.

(Prior art)

The configuration of a conventional card payment system is shown in FIG. 4 is a block diagram showing a schematic configuration of a general card payment system.

As shown in FIG. 4, the conventional card payment system 140 uses a card reader such as a card input device 134 of a merchant when a user wants to pay for a product or service with a card. The card information is input by scanning or adjoining the card information, and the input card information is transmitted to the card company's payment system through a communication network together with the merchant and the payment amount information, and the payment is generally accepted. In this case, since the card information and the password input to the card reader is stored in the card reader, it is easily duplicated, and there is a problem that an accident of illegal use occurs frequently. Therefore, the user should always be careful when paying for the card, and the card company had difficulty in supervising whether an unexpected card use time or place or a large amount of payment occurred.

As a technology related to a conventional card payment authentication method and system, Korean Patent Laid-Open No. 2004-0075159 (2004. 08 27) and Japanese Patent Laid-Open No. 2002-259866 (2002. 09. 13) (name of the invention: a mobile terminal Connected card reader devices and authentication payment methods using the same) are known.

However, the Korean Laid-Open Patent No. 2004-0075159 technology extracts a terminal number associated with client-side card information requesting a card payment from a DB, generates a one-time password (code) to be transmitted to a client-side wireless terminal and a merchant terminal, The present invention relates to a method of authenticating a card payment by comparing a one-time password transmitted to each terminal.

Further, Japanese Laid-Open Patent Publication No. 2002-259866 relates to not adding synchronization information to data during encryption, and to not performing voice conversion on encrypted data.

The present invention is to solve the above problems of the prior art, the purpose is to convert the encrypted card information into a voice signal and send it directly to the communication network, the card information recognition server recognizes the voice signal to the card information It is to provide a card information transmission system and a method using a voice signal that can request the payment approval by restoring.

Another object of the present invention is that even if the card reader is used to record the voice data for the purpose of duplication, it is difficult to analyze and decrypt the voice signal, and is encrypted by a system that applies a continuously changing one-time encryption key. It is an object of the present invention to provide a card information transfer system and a method using a voice signal for preventing card duplication and illegal use because it is very difficult to decipher.

In addition, another object of the present invention, the card information transmission system using a voice signal that can greatly increase the utilization by using a voice signal designed to communicate the voice signal is almost unaffected by the characteristics of all commercially available communication network and its It is to provide a method.

Card information delivery system using a voice signal in the card payment system for achieving the object of the present invention, the start detection means 101 for starting the card information output; Client-side one-time encryption key generation means for generating a one-time encryption key for encrypting the card information using the card-side event counter and time information; Client-side card information encryption means 104 which receives the generated one-time encryption key and encrypts card information and outputs it as a character; Text-to-speech conversion means (106) for receiving the encrypted card information and converting it into a voice signal; And a speaker 108 for receiving the voice signal and outputting the voice signal. Card device 110 having a;

Card information output requesting means (111) for generating an audio signal and a specific high frequency signal to request card information output to the card side; A microphone 109 which receives the voice generated from the speaker of the card and delivers it to the V-card recognition server; Card information input device 130, including; card reading means for transmitting the merchant information, payment amount information, etc. to the payment server and displays the approval result;

V-card recognition server 200 which receives the voice data transmitted from the card information input device 130, restores the encrypted card information using the voice recognition means, decodes the encrypted card information and delivers it to the card payment system. It can be achieved by including;

Here, the V-card recognition server 200 includes: audio input / communication network matching means (202) for receiving a voice signal transmitted from the card information input device (130) and matching a communication network; Voice section detection / feature parameter extraction means (204) for detecting a V-card header using the voice signal and recording continuous voice signals to extract feature parameters for voice recognition; Voice recognition means (206) for performing voice recognition on the extracted feature parameter of the voice signal using voice recognition DB (205) to output encrypted card information; Connected to one side of the voice recognition means, verify the transmission error of the encrypted card information received from the voice recognition means, using the server-side event counter and time information, by using the server-side event counter to generate a one-time decryption key encrypted It is preferably configured to include; error verification and decryption means 208 to decrypt the card information, restore the original card information and deliver it to the card payment system.

In addition, the card information output method of the client-side card device using the audio signal is to detect a start signal by detecting a high frequency signal that is a start button for starting card information output or a card information output start signal from the card information input device. Step S 301; Receiving the event counter and time information when the start signal is detected (303), and generating a client-side one-time encryption key that randomly generates letters and / or numbers (S302); An encryption step (S 304) of generating a character / numeric information code string by performing encryption using a one-time encryption key in order to prevent the leakage of information by receiving the generated encryption key and the user's card information; Generating a transmission error check code for the encrypted alphanumeric information code string and generating a transmission data code string (S 306); Synthesizing a speech signal corresponding to each code of the transmission data generated by the transmission data code string or extracting from a sound source database (S 308) to perform text-to-speech conversion (S 307); And outputting the generated voice signal through the speaker (S 309). It can be achieved by including a configuration.

In addition, the card information recognition method for performing the voice recognition procedure by receiving the card information converted into a voice signal sequence, the step of waiting for a voice recognition start command (S401); Detecting a header of the V-card signal (S402); If the header of the V-card signal is detected (S403, Yes), recording of a signal subsequent to the header of the V-card signal (S404), if the header of the V-card signal is not detected, the header is detected. Returning to step S403, NO, extracting feature parameters for speech recognition with respect to the signal successive to the V-card header (S405); Performing speech recognition (407) using the speech recognition DB for the feature parameter of the extracted speech signal (S406); Verifying a transmission error for the recognized card information (S408); When a transmission error occurs (S409, No), requesting a user to notify the transmission error and resending (S410); If there is no transmission error (S409, Yes), using the server-side time information and event information (S412) to generate a server-side one-time decryption key, using this to decrypt the password to restore the original card information ( S411); A card information output step (S413) of transferring the restored original card information to the card payment system can be achieved by a step including.

In the card apparatus of the card information transmitting system using the voice signal, the text-to-speech converting means 800 receives a code of the card information and maps unique formant information corresponding to each code 801. ); Means (802) for controlling each mapped formant information with an appropriate bandwidth; And speech synthesis means 803 for synthesizing the speech by cosine conversion or a similar engineering method according to excitation of the sound source information. It is preferable to comprise a.

In addition, in the card apparatus of the card information delivery system using the voice signal, the character-to-speech conversion method receives a code of the card information, receives unique formant information corresponding to each code (S902), and maps it. Step S901; Controlling each mapped formant information with an appropriate bandwidth (S903); A speech synthesis step (S904, S906) of synthesizing a speech signal using cosine transform or the like using the sound source information for one pitch period (S905); Outputting the generated voice signal (S907); And repeating the entire step to the end of the code for all the card information codes (S908).

In this case, it is preferable to provide a means for generating the same voice signal by synthesizing and storing the voice signal in advance in units of pitches instead of directly synthesizing it in the card apparatus, and then extracting and continuously connecting the voice signals as necessary.

In addition, the card device 110, the start detection means 101 for detecting a card information output start signal; Client-side one-time encryption key generation means for generating a one-time encryption key for encrypting the card information using the card-side event counter and time information; Text-to-speech conversion means (106) for receiving the generated one-time encryption key and the user's card information and converting them into a voice signal; And a speaker 108 for receiving the voice signal and outputting the voice signal. It is preferable to comprise.

(Example)

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

1 is a block diagram showing the configuration of a client-side card device and a card information input device according to an embodiment of the present invention, Figure 2 is a block diagram showing the configuration of a V-card recognition server according to an embodiment of the present invention 3 is a block diagram showing a configuration in which a client-side V-card according to an embodiment of the present invention is provided without any encryption means.

The card apparatus according to the present invention can be implemented in the form of a terminal or a card having an operating system and hardware capable of engineering operation. These hardware must be manufactured in a form that can not be duplicated, and the security can be maintained only when the built-in technology that destroys embedded information is applied.

Card information delivery system according to the present invention comprises a card device 110, card information input device 130 and V-card recognition server 200.

First, the configuration and operation of the card apparatus 110 will be described with reference to FIG. 1. The card device 110 functions to encrypt the card information and convert the card information into a voice signal. The card apparatus 110 receives the real time and event counter information from the start detecting means 101 for detecting the card information output start signal and the event counter / clock 103. A one-time encryption key generation means 102 which receives the generated one-time encryption key and provides the generated one-time encryption key to the card information encryption means, and the one-time encryption key information and the card provided from the one-time encryption key generation means 102. The card information encryption means 104 receives the built-in card information 105, encrypts the card information, and outputs it as character information, and receives the encrypted character information and provides sound source information of the sound source database DB (107). And a speaker 108 for outputting the converted voice signal to the outside.

In detail, when the start signal is sensed by the card apparatus 110, the single-use encryption key generating unit 102 generates an encryption key using the pressed time information and event information. At this time, the encryption key is a one-time password (hereinafter referred to as 'OTP') that may be generated from a random number generator or a random number table.

The card information encryption means 104 is installed at the output end of the one-time encryption key generation means 102 so as to have a security means against leakage. At this time, the card information encrypting means 104 encrypts the card information 105 using the generated encryption key and then outputs it in a character format.

The encrypted card information is transmitted to the text-to-speech means 106. The text-to-speech conversion means 106 generates a transmission error check code for the encrypted card information and converts it into a code string (not shown), and synthesizes a unique voice signal for each code or generates a sound source DB 107. Extracted from the audio signal string and then output through the speaker 108.

Next, the configuration of the card information input device 130 will be described. The card information input device is connected to the payment system and outputs a signal that can be recognized by the user when the card information is needed to press the start button of the card, or generates a high frequency signal, and the card detects it and automatically outputs the card information. Do it. The start signal is detected by the card apparatus 110 described above, and the audio signal output through the speaker 108 is input through the microphone 132 of the card information input apparatus. Here, the card reader 134 can be used as it is used in the conventional card payment system 140 conventionally.

The voice signal input to the card input device 134 through the microphone is directly connected to a V-card recognition server 200 through a wired network (PSTN), a mobile communication network (CDMA / GSM), or an internet communication network (TCP / IP or VoIP). Is sent to the side.

Next, the configuration and operation of the V-card recognition server 200 according to an embodiment of the present invention will be described with reference to FIG. 2.

First, the voice-converted card information is directly transmitted to the V-card recognition server 200 through a wired network (PSTN), a mobile communication network (CDMA / GSM), or an internet communication network (TCP / IP or VoIP). An input device / communication network matching means 202 for system matching between these communication networks and the V-card recognition server 200 is connected, and the V-card is connected to the voice signal received from the card information input device 130 side. The header and the speech section are detected, and the speech section detection / feature parameter extraction means 202 detects the required feature parameters and provides the result to the speech recognition means 206 for the detected speech section. Next, the voice recognition means 206 performs voice recognition on the extracted feature parameters by using the voice recognition database 205 to output encrypted card information to the error verification / decryption means 208. to provide. At this time, the server-side error verification / decryption means 208 verifies the transmission error and then generates a one-time decryption key using the server-side time and event information, and decrypts the password to restore the original card information. The card information is restored to the card payment system.

Referring to the operation of the V-card recognition server 200 described above in detail, the voice signal input from the input device / communication network matching means 202 is obtained by the V-card by the voice section detection / feature parameter extraction means 204. Detects the header of the audio signal, records the audio signals continuously inputted when detected, and extracts feature parameters for speech recognition from these audio signals.

Next, the voice recognition means 206 restores encrypted card information by performing voice recognition on the extracted feature parameters using information of the voice recognition DB 205. In addition, if there is no error after the transmission error is checked for the restored encryption card information, the server-side event counter / real-time clock information 207 is used to generate a one-time encryption key and decrypt it using the original. After restoring the card information, the card payment system transfers it.

The disposable encryption key generating unit 102 and the card information encrypting unit 104 installed in the card apparatus 110 according to the present invention may be selectively used or not used as necessary.

3 is a block diagram showing a configuration in which the client-side card apparatus 110 according to an embodiment of the present invention is not provided with an encryption means.

The structure of FIG. 3 is based on the structure in FIG. 1 as a whole. 1, the card information encrypting means 104 for encrypting the card information is deleted, and the information 105 of the card is provided to the text-to-speech converting means 106 and provided to the means. The audio signal corresponding to the text is synthesized using the sound source DB to be outputted. In addition, the decryption process should be omitted in the V-card recognition server 200 as well. Since the configuration and operation are the same as in FIG. 1, detailed description thereof will be omitted.

According to the card information delivery system using the voice signal according to the present invention as described above, by copying the user's card information as a voice and directly input it to the communication network, the card information does not remain in the card reader can prevent card duplication.

In addition, the present invention can be used as a normal telephone / mobile phone by directly inputting a voice signal to the communication network, or a very simple and inexpensive card information input device.

Next, a description will be given of the card information transfer process using a voice signal in the card payment system according to an embodiment of the present invention configured as described above.

First, FIG. 5 is a flowchart showing a process of a V-card apparatus according to an embodiment of the present invention, and FIG. 6 is a flowchart showing a process of a V-card recognition server according to an embodiment of the present invention.

First, as shown in FIG. 5, the card device 100 according to the present invention detects whether a start signal is detected by a button or a detector (S301); Generating a one-time encryption key randomly using a V-card event counter / RTC (real time information) S303 or the like when the start signal is detected (S302); Encrypting the card information 305 using the generated one-time encryption key (S304); Generating a transmission data code string by combining the encrypted code string and the transmission error check code (S306); Synthesizing a speech signal corresponding to each code of the transmission data or extracting from the sound source DB 308 to perform text-to-speech conversion (S307); And outputting the generated voice signal (S309). By processing in this way, the card information input device achieves a processor capable of voice-converting card information and transmitting it to the server side.

Next, as shown in Figure 6, when receiving the recognition start command from the V-card recognition server 200 (S401); Periodically detecting a voice signal to check whether a V-card header signal has been received (S402); If a V-card header signal is detected among the received signals (S403); Recording a continuous voice signal (S404); Extracting feature parameters for the entire voice signal when the recording of the voice signal is completed (S405); Performing speech recognition on the extracted feature parameters using the speech recognition DB (407) (S406); Checking transmission errors for the recognized code strings (S408 to S409); Requesting error notification and retransmission when an error occurs (S410); If there is no error, using the server-side real-time time, event information (412) to generate a server-side decryption key and decrypt the encrypted card information to restore the original card information (S411); And transmitting the restored card information to the card payment system (S413). In this way, card information can be directly transmitted to the card payment system.

Next, a description will be briefly given of a compression and decompression method of a speech signal generally used. 7 and 8 are examples of a method of compressing and restoring a voice signal used in a general mobile communication system and a VoIP telephone system.

Electronic financial transactions using telephones are widely used for their easy accessibility. In particular, as the mobile communication system is developed, it can be used irrespective of time and place, and thus its use is increasing. The mobile communication system uses a method of compressing (approximately, 30 to 40 times) a voice signal at a high rate in a transmitting terminal device to transmit a plurality of subscribers on a limited communication line and restoring the receiving terminal device.

In the mobile communication network, since it is optimized for a voice signal for high-efficiency compression / restore, there is a problem in that loss is increased for other signals. Therefore, when data is to be transmitted by sound, such as a one-time password using a voice signal, it is necessary to use a signal having characteristics similar to the voice signal to maintain a high degree of transmission.

CELP (Code Excited Linear Prediction) series of voice compression / restore method applied to mobile communication system is based on LP (Line Prediction) / LSP (Line Spectrum Pair) analysis and synthesis method. The LP / LSP method is a method suitable for a natural voice signal, and in the case of a tone without attenuation (for example, a DTMF signal, etc.), there is a problem that it is difficult to accurately transmit a signal with low transmission.

Here, when the sound source signal is g (n), the vocal function is h (n), and the spoken voice signal is v (n), the frequency response V (z) of the voiced sound excluding the nasal sound is expressed by Equation 1 below. I can express it.

Where ak is the LP coefficient and represents the vocal tract characteristics, and G (z) represents the vocal tract characteristics. The parameter extracted by the LP analysis is a time domain parameter and shows the inverse filter characteristic of the vocal tract. As this parameter is a time domain parameter, the LSP analysis for converting to a parameter in the frequency domain due to the large variation of the voice characteristics due to the error is performed. To perform. LSP parameter is a technology that is widely used in the communication network because it represents the resonance frequency of the voice and does not affect the reconstructed voice in spite of a slight error.

In the mobile communication system using the LP / LSP based codec, the information delivery method using the sound signal can increase the transmission rate only when the characteristics of the voice are similar.

In general, the voice signal is composed of three to six formants to distinguish the sound value, but the most important of these is known as three. The voice signal shows pitch components due to periodic vibrations of the gates and the bandwidth due to natural attenuation in saints. In a wired network, the pass frequency band is 300 ~ 3500Hz, so three formants must be kept in the passband. In addition, the similarity between each voice signal should be small to increase the discrimination ability to increase the recognition rate.

Applying the above considerations, the configuration of the audio signal consisting of three formants and having a frequency band within 300 to 3500 Hz and each formant overlaps as shown in FIG.

As the pitch structure shown in FIG. 9 and the pitch period lower than the short pitch in LP analysis have high accuracy of analysis, a signal having a pitch period of about 0.8 msec will pass through the mobile communication system. .

The voice signal is generated by resonating the frequency components of the impulse type inputted by excitation of the gate as shown in Equation 2 below. The voice signal is a convolution of the vocal tract characteristics of the vocal tract characteristics, and can be expressed as in Equation 3 below.

In addition, assuming that the glottal characteristic is an impulse having periodicity, a voice signal in one period may be implemented as follows.

Where A (k) is the amplitude of the spectrum and NF is the Nyquest frequency.

FIG. 9 shows a formant structure of a voice signal for each code designed to have discriminating powers for 12 characters used in a telephone keypad.

10 is a block diagram illustrating a structure of a text-to-speech unit according to an embodiment of the present invention, and FIG. 11 is a flowchart illustrating a process of the text-to-speech unit according to an embodiment of the present invention.

First, FIG. 10 is an embodiment in which a voice signal having a formant structure of FIG. 9 is synthesized by Equation 3 as a voice signal suitable for all audio input devices / communication networks by receiving card information.

In the card information delivery system and method using the above-described voice signal, the text-to-speech conversion means (800) includes: a means (801) for receiving card information codes and mapping unique formant information corresponding to each code; Means (802) for controlling each mapped formant information with an appropriate bandwidth; And speech synthesis means 803 for synthesizing the speech in accordance with a cosine transform scheme or the like according to the excitation of the sound source information; It is configured to include.

In addition, in order to reduce the amount of calculation in the card device, the same voice signal can be generated by generating a voice signal in a pitch unit offline and storing the same in the card device. That is, by synthesizing only one pitch unit in advance and storing the speech signal in the device 804, and repeatedly connecting the speech signal in pitch units if necessary, the same voice signal can be generated.

11 shows a processing flowchart for the above-described text-to-speech method. As shown in the drawing, card information is received and maps unique formant information 902 corresponding to each code (S901); Subsequently, control is performed to maintain appropriate bandwidth for each formant (S903); Next, a speech signal is synthesized through a cosine transform or the like during one pitch period (S904 and S906); Outputting the generated voice signal (S907); And repeating all the above steps to the end of the entire card information code (S908).

12 is an exemplary view illustrating an acoustic signal used for data input using a conventional acoustic signal and frequency characteristics thereof. 12 illustrates a sound signal used in a data input using a conventional sound signal and frequency characteristics thereof. As can be seen from the frequency characteristic diagram, since it uses a single tone and uses a signal different from that of the voice signal, it can be seen that the signal is difficult to apply in a mobile communication system or a VoIP phone.

In contrast, the results of applying the system and method according to the present invention will be described with reference to FIGS. 13 to 15.

FIG. 13 is an exemplary diagram illustrating an example of an audio signal and a frequency characteristic of which channel distortion is minimized as an audio signal generated by applying a card and a processing method thereof according to an embodiment of the present invention, and FIG. As a voice signal generated by applying a terminal apparatus and a processing method thereof according to an embodiment, channel distortion is an exemplary view showing an example of a speech signal sequence and a frequency characteristic, and FIG. 15 is a terminal apparatus according to an embodiment of the present invention. And an example of a voice signal sequence and a frequency characteristic passed through the mobile communication network by applying the processing method thereof.

13 is an embodiment of a voice signal for an arbitrary code generated by the above-described scheme. As can be seen from the frequency characteristics, three formant structures and the shape of the excitation model for each pitch unit can be observed. Referring to the spectrogram shown in FIG. 13, the brighter the image, the stronger the energy intensity. The bright band in the horizontal direction indicates the formant, and the bright band in the vertical direction indicates the excitation point of the gate. As such, since the optimization of the audio signal, the loss of the restored signal can be very small.

Similarly, FIG. 14 is an example of a voice signal sequence for each code generated by the above method, and FIG. 15 shows that the formant structure is maintained as an example of a signal recorded by passing the signal of FIG. 9 through a mobile communication network. Can be.

As a result, as shown and described above, regardless of the characteristics of any audio input device or communication network, the transmission is excellent, there is an advantage that can be applied to PCs, landlines, mobile phones, VoIP, and the like.

As described above, according to the system and the method according to the present invention, the following effects can be obtained.

First, the present invention has an effect of preventing card duplication by outputting card information as voice and directly inputting it to a communication network, since no card information remains in the card reader.

Secondly, the present invention has an effect of directly using a general telephone / mobile phone or using a very simple and inexpensive card reader by directly inputting a voice signal into a communication network.

Third, the present invention can prevent illegal use by duplication because the payment is not made even if the card output is reused by encrypting the card information using the number of times of card use or the encryption key that changes with time.

Fourth, the present invention is excellent in the degree of transmission irrespective of the characteristics of all commercially available communication network has an excellent effect that can be applied to mobile phones, VoIP, etc., as well as PC, landline telephone, CDMA / GSM system.

In the above, the present invention has been illustrated and described with reference to specific preferred embodiments, but the present invention is not limited to the above-described embodiments, and the present invention is not limited to the spirit of the present invention. Various changes and modifications will be possible by those who have the same.

Claims (8)

Start detecting means (101) for starting to output card information; Client-side one-time encryption key generation means for generating a one-time encryption key for encrypting the card information using the card-side event counter and time information; Client-side card information encryption means 104 which receives the generated one-time encryption key and encrypts card information and outputs it as a character; Text-to-speech conversion means (106) for receiving the encrypted card information and converting it into a voice signal; And a speaker 108 for receiving the voice signal and outputting the voice signal. Card device 110 having a; The card information output request for notifying the user of the time at which the card information should be output from the card apparatus as an acoustic signal and sending an output start signal as a high frequency signal to the card apparatus so that the card apparatus can automatically detect and output the card information. Means (111); A microphone 132 for inputting voice to directly transmit the voice signal output from the card apparatus to the V-card recognition server; A card information input device 130 including a card reading means 134 for requesting payment and displaying a result by sending a merchant and a payment amount to a payment server while having an existing card reading function; V-card recognition server 200 which receives the voice data transmitted from the card information input device 130, restores the encrypted card information using the voice recognition means, decodes the encrypted card information and delivers it to the card payment system. Card information delivery system using a voice signal, characterized in that comprises a. The method of claim 1, wherein the V-card recognition server 200, Audio input / communication network matching means (202) for receiving a voice signal transmitted from the card information input device (130) and matching a communication network; Voice section detection / feature parameter extraction means (204) for detecting a V-card header using the voice signal and recording continuous voice signals to extract feature parameters for voice recognition; Voice recognition means (206) for performing voice recognition on the extracted feature parameter of the voice signal using voice recognition DB (205) to output encrypted card information; Connected to one side of the voice recognition means, verify the transmission error of the encrypted card information received from the voice recognition means, using the server-side event counter and time information, by using the server-side event counter to generate a one-time decryption key encrypted Error information and decryption means (208) for decoding the card information, restoring the original card information to pass to the card payment system; Card information delivery system using a voice signal comprising a. In the card information output method of the client-side card device using the audio signal, A start detection step (S 301) of pressing a start button to start card information output or detecting a start signal from a high frequency detector; Receiving the event counter and time information when the start signal is detected (303), and generating a client-side one-time encryption key that randomly generates letters and / or numbers (S302); An encryption step (S 304) of generating a character / numeric information code string by performing encryption using a one-time encryption key in order to prevent the leakage of information by receiving the generated encryption key and the user's card information; Generating a transmission error check code for the encrypted alphanumeric information code string and generating a transmission data code string (S 306); Synthesizing a speech signal corresponding to each code of the transmission data generated by the transmission data code string or extracting from a sound source database (S 308) to perform text-to-speech conversion (S 307); And Outputting the generated voice signal through a speaker (S 309); Card information transmission method using a voice signal, characterized in that comprising a. In the method for receiving the card information converted into the voice signal sequence to recognize the card information using the voice recognition, Waiting for a recognition start command (S401); Detecting a header of the V-card signal (S402); When the header of the V-card signal is detected (S403, Yes), recording of a continuous audio signal subsequent to the header (S404), If the header of the V-card signal is not detected, the process returns to the step of performing header detection (S403, NO). Extracting feature parameters for speech recognition with respect to the signal recorded after the header of the V-card signal (S 405); Performing voice recognition on the extracted feature parameter of the voice signal using a voice recognition DB (407); Verifying a transmission error with respect to the recognized card information (S408); When a transmission error occurs (S 409, No), requesting the user to notify the transmission error and redialing (S 410); If there is no transmission error (S 409, Yes), using the server-side time information and event information (S 412) to generate a server-side one-time decryption key, using the decryption to restore the original card information Step S411; And transmitting the restored original card information to the card payment system (S 413). In the card information input apparatus of the card information delivery system using the audio signal according to claim 4, Text-to-speech means 800, Means for receiving code of card information and mapping unique formant information corresponding to each code (801); Means (802) for controlling each mapped formant information with an appropriate bandwidth; And Speech synthesis means 803 for synthesizing speech by cosine conversion or an equivalent engineering method according to excitation of sound source information; Card information transmission system using a voice signal, characterized in that comprises a. In the card information input apparatus of the card information delivery system using the audio signal according to claim 4, The text-to-speech method is Receiving a code of card information and receiving unique formant information corresponding to each code (S902) and mapping (S901); Controlling each mapped formant information with an appropriate bandwidth (S903); Synthesizing a speech by a cosine transform method or an equivalent engineering method according to excitation of the sound source information (S 905) (S904 and S906); Outputting the generated voice signal (S907); And And repeating the entire step to the end of the code for all the card information codes (S908). The method of claim 6, And a means for generating the same voice signal by synthesizing and storing the voice signal in a unit of pitch in advance without directly synthesizing it in the card apparatus, and then extracting and continuously connecting the voice signals as necessary. The method of claim 1, The card apparatus includes: start detecting means (101) for detecting a start signal for starting output of card information; Client-side one-time encryption key generation means for generating a one-time encryption key for encrypting the card information using the card-side event counter and time information; Text-to-speech conversion means (106) for receiving the generated one-time encryption key and the user's card information and converting them into a voice signal; And a speaker 108 for receiving the voice signal and outputting the voice signal. Card information transmission system using a voice signal, characterized in that comprises a.

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