KR20080103619A - Card terminals with function for outputting customer signature information and program recording medium - Google Patents

Abstract

The present invention relates to a card terminal having a function of outputting customer signature information, a method and a program recording medium for outputting customer signature information using the same, and a card terminal having a function of outputting customer signature information according to the present invention is a signature of a card payment customer. An electronic signature input unit for electronically inputting the digital signature, a card reader for reading the customer electronic signature information from a card storing customer signature information, a screen output unit for outputting predetermined data (or information), and reading from the customer card. And a controller for displaying customer signature information and customer signature information input through the electronic signature input unit on one screen through the screen output unit.

Description

Card terminal with function for outputting customer signature information and method for outputting customer signature information and program recording medium {Card Terminals with Function for Outputting Customer Signature Information and Program Recording Medium}

1 is a diagram showing the functional configuration of an IC card on which customer signature information is mounted according to an embodiment of the present invention.

2 is a diagram illustrating a file structure of an IC card storing customer signature information for storing IC card storage information for customer signature processing according to an exemplary embodiment of the present invention.

3 is a diagram illustrating a functional configuration of a card terminal 300 for receiving customer signature information read from an IC card in which a customer signature is stored according to an exemplary embodiment of the present invention.

4 is an exemplary view showing a screen displaying customer signature information on a screen of a card terminal according to an embodiment of the present invention.

FIG. 5 is a diagram illustrating an operation process of a card terminal receiving customer signature information 1 stored in a customer IC card according to an exemplary embodiment of the present invention.

FIG. 6 is a diagram illustrating an operation process of a card terminal displaying customer signature information 1 transmitted from a customer IC card and customer signature information 2 directly input by the customer according to an exemplary embodiment of the present invention. .

<Description of main parts of drawing>

300: card terminal 305: control unit

310: card reader 315: screen output

320: key input unit 325: power supply unit

330: communication processing unit 335: security application module (SAM)

340: print output unit 345: printing apparatus

350: memory unit 360: confirmation unit

365: signature receiving unit 370: display unit

375: card authentication unit 380: professional processing unit

385: signature processing unit

According to the present invention, when a card terminal receives a signature of a card settlement customer electronically through a predetermined digital signature input means, checks whether the customer electronic signature information exists in the customer card from the customer card through a predetermined card reader, When the customer digital signature information exists in the customer card, the customer digital signature information is read from the customer card, and the customer signature information provided from the customer card and the customer input through a predetermined signature pad or the like. The present invention relates to a method for outputting customer signature information for simultaneously displaying signature information through a predetermined screen output means.

The card terminal provided in the predetermined affiliated store reads the payment method information (for example, the card information recorded on the customer card) of the customer to generate the authorization information, and transmits the generated authorization information to the VAN company and responds to the authorization information. As a receiving device, a card terminal user generally receives a customer signature on a predetermined signature pad or a customer signature on a paper sales slip in the process of using such a card terminal at a merchant.

However, such customer signature input is only a formal procedure for card payment, rather than the card customer's identity verification, and also authenticates the card customer's identity through the customer signature entered on the signature pad or paper sales slip. Is not easy.

An object of the present invention for solving the above problems is an electronic signature input unit for electronically inputting the signature of the card payment customer, a card reader for reading the electronic signature information stored in the customer card from the customer card, and predetermined data ( Or a screen output unit for outputting information), and checking whether the customer card includes signature information of the customer, and inputting customer signature information provided from the customer card and the customer through a predetermined signature pad. The present invention provides a card terminal having a function of outputting customer signature information including a control unit for simultaneously displaying signature information through the screen output unit.

The card terminal having a function of outputting customer signature information according to the present invention includes an electronic signature input unit for electronically inputting a signature of a card payment customer, a card reader for reading the customer electronic signature information from a card in which customer signature information is stored; And a screen output unit for outputting predetermined data (or information), customer signature information read from the customer card, and customer signature information input through the electronic signature input unit on one screen through the screen output unit. It characterized in that it comprises a control unit.

According to the present invention, the control unit compares the customer signature information read from the customer card and the customer signature information input by the customer through the electronic signature input unit, and further outputs the comparison result through the screen output unit. It is done.

On the other hand, the customer signature information output method according to the invention, the step of receiving a signature of the card payment customer electronically through a predetermined electronic signature input means in the card terminal, the customer electronic signature through a predetermined card reader in the card terminal Reading the customer electronic signature information from a card in which the information is stored; and customer signature information read out from the customer card in the card terminal and customer signature information input through the electronic signature input unit through a predetermined screen output means. Characterized in that it comprises the step of displaying on the screen.

According to the present invention, the customer signature information output method, by comparing the customer signature information read out from the customer card in the card terminal and the customer signature information input through the electronic signature input unit, and the comparison result through the screen output unit It further comprises the step of outputting.

On the other hand, the present invention includes a recording medium characterized by recording a computer-readable program for implementing the above-described method for outputting customer signature information.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below.

In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram showing the functional configuration of an IC card loaded with customer signature information according to an embodiment of the present invention.

More specifically, Figure 1 provides customer signature information stored in the IC card to a predetermined card terminal in accordance with the present invention, the customer signature information provided from the IC card in the card terminal, and a signature pad provided in the card terminal. The present invention also relates to a functional configuration of an IC card in which customer signature information is stored so as to simultaneously display and compare signature information input from the customer through a signature pad connected to the card terminal. Those skilled in the art will be able to infer various functional configurations for the IC card in which the customer signature information is stored by referring to and / or modifying the drawing 1, but the present invention includes all the inferred implementation methods. The embodiment shown in FIG. 1 is not limited.

Referring to the standards including ISO / IEC 7816 and / or ISO / IEC 14443, the IC chip of the IC card where the customer signature information is stored includes the power supply (VCC), reset signal (RST), clock signal (CLK), and ground. An input / output interface 100 for communicating with a predetermined card terminal (eg, exchanging commands or data) through a contact point such as GND, programming power supply (VPP), and / or input / output (I / O), and a CPU ( A processor unit 105 including at least one computing element including a central process unit (MPU), a micro process unit (MPU), and / or a coprocessor, a read only memory (ROM), a random access memory (RAM), and the like. ), A memory unit 110 including at least one memory element including electrically erasable and programmable read only memory (EEPROM), flash memory (FM), and the like, and in particular, at least one or more memory elements (e.g., Customer standing (on ROM) A chip operating system (COS) for managing and operating an IC card internal resource storing information is stored, and predetermined power is supplied from a card terminal through a power supply (VCC) contact point of the input / output interface 100. In this case, the COS stored in the memory unit 110 is loaded into a predetermined execution memory to control the overall operation of the IC chip, and based on the clock frequency (eg, 3.57 MHz or 4.9 MHz) of the clock signal CLK contact point. An application protocol data unit (APDU) controls information or data exchange between the IC chip and the card terminal.

According to the present invention, the memory unit 110 of the IC chip from the customer through the customer signature information provided from the IC card in the card terminal, the signature pad provided in the card terminal or the signature pad connected to the card terminal The customer signature processing IC card storage information for storing the input signature information at the same time and making it possible to compare with each other is stored. The IC card storage information for the customer signature processing is stored by a terminal program of the card terminal. A data storage unit for storing a data set corresponding to program data to be read and read and / or used, a driving function of the processor unit 105 and an instruction set provided by a COS, Program routines used by the terminal program (eg Javacard) JAVA Applet) is provided with a processing unit corresponding to a program code comprising an instruction call code that interacts with the instruction set of the COS and execution code that is processed by the processor unit 105, in particular the processing unit. Reads a command provided from the terminal program via the input / output interface 100 through an APDU, reads or records at least one or more information or data stored in the data storage unit based on the read command; And, as a result, read information or data through the APDU to the terminal program of the card terminal via the input / output interface 100.

According to a preferred embodiment of the present invention, the memory unit 110 of the IC chip includes a security structure based on ISO / IEC 10202. Accordingly, the memory unit 110 may include a chip serial number (CSN) It consists of a protection area in which the same secret information is stored, a COS control area, a user application area, a read / write access area, an application program area, and a FAT (File Allocation Table) management area, and the like for customer signature processing for the present invention. The IC card storage information is preferably stored in an area excluding the protection area and the COS control area.

According to an embodiment of the present invention, the memory unit 110 included in the IC card storing the customer signature information may include at least one other IC card storage information (eg, credit card storage information) in addition to the IC card storage information for the customer signature processing. , Check card storage information, debit card storage information, prepaid card storage information, etc.), and the present invention is not limited thereto.

Here, the customer signature information is a predetermined pen (or puck) to a predetermined customer signature information input means (for example, a touch pad or a tablet) in the process of mounting the customer signature information on the IC card. The customer signature to be input may be stored in the IC card storage information for customer signature processing in the form of coordinate data (eg, x, y coordinate data, etc.) indicating a continuous flow on a predetermined coordinate.

In addition, according to ISO / IEC 7816 and / or ISO / IEC 14443 ICC standard, the memory unit 110 includes one master file (MF) corresponding to a root file and a lower subordinate to the master file. An ATR (Aswer To Reset) including function information on at least one stored information, at least one dedicated file corresponding to each ICC stored information, and a dedicated file (DF) corresponding to each ICC stored information, and disposed below the dedicated file. It includes a file structure consisting of an element file (EF) that contains the actual information and / or data for the smart card service, the IC card storage information for customer signature processing for the present invention also has the same file structure It can be made, including.

2 is a view showing a file structure of an IC card storing customer signature information for storing IC card storage information for customer signature processing according to an embodiment of the present invention.

In more detail, Figure 2 is an IC card in which the customer signature information shown in Figure 1 is stored, the credit card storage information (0200), debit card storage information (0300), financial common network storage information according to the financial IC card standard proposal (F100), electronic money storage information (F200), signing certificate (F300), and key distribution certificate (F400) is stored in the financial IC chip file structure that stores the IC card storage information for customer signature processing will be.

Those skilled in the art to which the present invention pertains, since the functions and features of the conventional components of the financial IC chip file structure shown in Figure 2 will already be understood, a description thereof will be omitted. Also, the configuration of the IC card storage information for customer signature processing shown in FIG. 2 is for efficiently explaining the file structure of the IC card storage information for customer signature processing to those skilled in the art. As the technical spirit of the present invention is not limited thereto, it can be easily changed and used by those skilled in the art.

Referring to FIG. 2, the customer signature processing file F500 is disposed under the master file and includes unique identification information or characteristic information on the IC card storage information for the customer signature processing. And an element file (F501) disposed under the dedicated file and storing file control information (FCI), and an element file (F502) for customer signature related information storing at least one or more customer signature related information. It is done by

The element file for storing the file control information is an element file for storing a data byte corresponding to a response to a SELECT FILE command transmitted by a terminal program provided to a card terminal to an IC card in which the customer signature information is stored. An FCP template that conveys the Basic Encoding Rules-Tag, Length, Value (BER-TLV) data object File Control Parameter (FCP) defined in TABLE 2 of 7816-4, and / or defined in TABLE 2 of ISO / IEC 7816-4. The BER-TLV data object File Management Data (FMD) template and / or the FCP template to convey FCP and FMD, which can be retrieved according to the selection of the SELECT FILE command. Corresponding template is mandatory when FCP or FMD selection is made, and use of FCI template is optional when FCI choice is made.

The customer signature related information element file for storing at least one customer signature related information includes a process of storing the customer signature information in the IC card and a predetermined financial transaction (eg, through an IC card in which the customer signature information is stored). Card payment, etc.) may be included in the information generated or provided in the process.

According to an exemplary embodiment of the present invention, the customer signature related information included in the IC card storage information for customer signature processing may be linked to a customer signature information storage date and time, customer signature information update (or modification) date and time, and customer payment means. Customer signatures (eg, customer signatures associated with credit cards, customer signatures associated with check cards, etc.), and the like.

According to a preferred embodiment of the present invention, the method for selecting the customer signature processing IC card storage information from among the plurality of stored information provided in the IC card includes a selection method by a file identifier, a selection method by a path, and an EF. There is a method of selecting by an identifier, and the method of selecting by a file identifier is a method of using a 2-byte identifier assigned to each file. In FIG. 2, the identifier “F500” assigned to a dedicated file of IC card storage information for customer signature processing is shown. The IC card storage information for the customer signature processing is selected through the method, and the selection method by the path is to select the IC card storage information for the customer signature processing using the “3FFF” identifier. The IC card storage information for customer signature processing is selected through a 5-bit identifier between '0' and '30' assigned to the element file.

In general, when the selection method by file identifier and selection method by path are used, the IC card storage information for the customer signature processing can be accessed through a SELECT FILE command, and as another embodiment of the present invention, the file identifier may be accessed. If the selection method is not used, a dedicated file of IC card storage information for customer signature processing may be omitted.

3 is a diagram illustrating a functional configuration of a card terminal 300 for receiving customer signature information read from an IC card in which a customer signature is stored according to an exemplary embodiment of the present invention.

In more detail, FIG. 3 shows the customer signature information read from the IC card in which the customer signature shown in FIG. 1 is stored and the signature pad provided in the card terminal 300 or the signature pad connected to the card terminal. The method for implementing the card terminal 300 to simultaneously display the received signature information, so that they can be compared with each other, if one of ordinary skill in the art to which the present invention pertains, reference and / or this figure 3 It is possible to deduce the configuration of the function of the card terminal for comparing and displaying the customer signature information read out from the IC card and the signature information input by the customer, but the technical features of the present invention are limited by this figure. Rather, it is to be understood that the inference includes all implementation methods.

Referring to FIG. 3, the card terminal 300 simultaneously displaying customer signature information provided from the IC card and signature information input from the customer through a signature pad provided in the card terminal or a signature pad connected to the card terminal.

Basically, the control unit 305, the memory unit 350, the card reader unit 310, the key input unit 320, the screen output unit 315, the communication processing unit 330, the signature input unit 355, and the security application module 335 ) And a print output unit 340 and a power supply unit 325 for supplying power to the card terminal 300, and at least one terminal function unit (not shown) according to the intention of a person skilled in the art. It can be made, including.

The control unit 305 controls the overall operation of the card terminal 300 in function configuration, manages the flow of information or data between the respective components, and the customer signature information read from the IC card in which the customer signature information is stored; Interworking and controlling at least one component provided in the card terminal 300 for displaying the signature information received from the customer through a signature pad provided in the card terminal or a signature pad connected to the card terminal, etc. At least one processor and execution memory (for example, a register and / or random access memory (RAM)) and predetermined data including a central processing unit (CPU) / micro processing unit (MPU) in hardware; And a bus for inputting and outputting the Includes a predetermined program routine and / or program data which are loaded from a predetermined recording medium into the execution memory to be performed by the processor to perform a function specific to the raw card terminal 300 (and thus The card terminal 300 for displaying the signature information read from the IC card and the signature information received from the customer through a signature pad provided with the card terminal or a signature pad connected to the card terminal. A predetermined program recorded on a recording medium provided in the control unit and / or a component which can be processed in software among the functional configurations provided in the card terminal 300, is provided in the controller 305). It is characterized by.

According to the exemplary embodiment of the present invention, the controller 305 is configured to display the components (eg, the memory unit 350, the card reader unit 310, the key input unit 320, and the screen) provided in the card terminal 300. Interworking unit 315, communication processing unit 330, signature input unit 355, security application module 235 and print output unit 240 and / or terminal functional unit (not shown) according to the intention of those skilled in the art To control and manage the provision of the electronic payment service defined in the card terminal 300, as well as the customer signature information read out from the customer IC card and the signature pad provided in the card terminal (or the card). Control the components provided in the card terminal 300 in order to display the signature information input from the customer through a signature pad connected to the terminal, and the like, and / or the IC It is preferable to execute a program recorded on a recording medium provided in the card terminal 300 for a predetermined financial transaction using the customer payment means information read from the card.

The memory unit 350 is input and output when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the card terminal 300 is performed. General term of non-volatile memory for storing information or data), at least one of which includes EEPROM (Electrically Erasable and Programmable Read Only Memory) and / or Flash Memory (FM) and / or Hard Disk Drive (HDD) in hardware. It includes the above storage means, the predetermined program routine and the program data (for example, data input or output for the program routine to perform a predetermined function) is required for the control unit 305 to perform a predetermined control function ) Is stored.

According to the method of the present invention, the memory unit 350 is the card terminal 300, the customer signature information that is read from the customer IC card and the signature pad (or the card terminal) provided in the card terminal It is preferable to store the information (for example, comparison history information, match / mismatch history information, etc.) generated in the process of displaying the signature information input from the customer to compare the signature information input from the customer through a signature pad, and the like).

A customer who receives a predetermined card payment service using payment means information (for example, credit card information, etc.) read out from the IC card in which the customer signature information is stored through the card terminal 300 is read from the customer IC card. The customer authentication is performed based on the customer signature information, and a contact IC card (or wireless IC chip) based on ISO / IEC 7816 standard for processing a predetermined financial transaction using the payment means information, and / or Based on the ISO / IEC 14443 standard, the card possesses (or owns) a card including at least one contactless IC card (or wireless IC chip), and the card reader 310 includes at least one information provided in the card. Alternatively, an interface for reading data may be provided.

According to the method of the present invention, the card reader 310 is a contact IC reader unit for providing an interface between the contact IC card and the card terminal 300, or the contactless IC card and the card terminal 300 A contactless IC reader unit is provided to provide an interface between the terminals.

When the contact IC reader unit is a card reader unit 310 based on ISO / IEC 7816, at least one contact point that makes electrical contact with a chip on board (COB) provided in the contact IC card is in contact. It is included, the power supply to the IC chip of the IC card stored the customer signature through the contact point, and predetermined from the IC chip through the half-duplex transaction using an APDU (Application Protocol Data Unit) The information (eg, payment means information and customer signature information) or the data is characterized in that the interface to the card terminal (300).

When the contactless IC reader unit is a card reader unit 310 based on ISO / IEC 14443, the contactless IC card may be electrically contacted with the contactless IC card by using capacitive coupling and / or inductive coupling. It comprises at least one antenna, the power supply to the IC chip of the IC card in which the customer signature information is stored through the antenna, and predetermined from the IC chip through the half-duplex transaction using an APDU The information (eg, payment means information and customer signature information) or the data is characterized in that the interface to the card terminal (300).

According to an exemplary embodiment of the present invention, the card reader 310 may provide predetermined card information (eg, the IC card) from at least one or more card readers 310 for the electronic payment service defined in the card terminal 300. It is preferable to read the payment means information corresponding to the payment means including at least one credit card, debit card, debit card, cash card, financial account provided in the, and is also read from the IC card in accordance with the present invention It is desirable to read customer signature information.

The card terminal 300 may further include an MS reader, and the MS reader is a card reader 310 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil. Head), and the MS card in which predetermined information (e.g., magnetized binary data) is recorded is moved in a predetermined direction in close contact with the magnetic head (or the magnetic head records predetermined information). And move in close contact with the MS card, the card terminal 300 receives predetermined information or data from at least one or more tracks provided in the MS of the MS card by using a predetermined electrical signal loaded on the magnetic head. It is characterized in that the interface with).

The key input unit 320 includes a predetermined at least one key button including at least one numeric key and / or a character key and / or a function key. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or operation mode of the card terminal 300 controlled by the controller 305. When predetermined information (or signal) is input from a key button, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 305. The control unit 305 acquires predetermined key data corresponding to the key event in the current input mode and / or operation mode of the card terminal 300, and / or is defined in accordance with the key event. And an instruction to be executed to perform the functions characterized in that the pickup.

Here, the key input unit 320 and the key input device having at least one or more key buttons interoperate with each other to perform a function of key input means provided in the card terminal 300.

The key input device interoperating with the key input unit 320 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (eg, English character key, and / or Korean character). Key) and / or a keyboard device having a function key, and / or having at least one numeric key and a function key in conjunction with the screen output means, and / or having at least one numeric key, a character key and a function key. It is preferable to include at least one touch screen device.

According to the exemplary embodiment of the present invention, the key input unit 320 may include key data corresponding to the electronic payment service (eg, a payment amount) from at least one or more key input devices for the electronic payment service defined in the card terminal 300. It is preferable to perform the function of the key input means for receiving the input, etc. Also, according to the present invention by comparing the customer signature information read out from the IC card with the customer signature input through the signature input unit 355 to output the screen It is preferable to perform a function of a key input means for receiving at least one or more key data required in the process of displaying through the unit.

The signature input unit 355 may receive signature information of the customer, which is input through a predetermined electronic pen or the like, from a signature pad provided to the card terminal or connected to the card terminal and a predetermined cable at the time of payment of the customer's card. Characterized in that the transfer to the control unit.

The signature input unit 355 receives an electronic signature from the customer for a financial transaction (for example, card payment, etc.) requested by the customer. Preferably, the signature input unit 355 includes a tablet or tablet having a pen or a puck connected to a cord or wirelessly. tablet).

When the signature input unit 355 pays for the customer's card (eg, credit card, etc.) at the card terminal 300, when the customer contacts the screen formed on the tablet with a pen (or puck), the user inputs his signature. The pen senses the pressure to press the screen and draws a corresponding image on the screen, and generates the signature information of the customer by realizing the image in real time.

When the signature input unit 355 draws or traces the signature of the customer on the screen formed on the tablet with the pen (or puck), the signature input unit 355 may receive a series of x and y coordinate data representing a continuous flow or end point of the coordinates. To generate the customer signature information.

The tablet may include at least one of a graphic tablet, a digitizer tablet, and an electronic tablet.

The screen output unit 315 is an LCD (Liquid Crystal) by the control unit 305 while the card terminal 300 performs a predetermined function (eg, customer signature comparison and display function, electronic payment processing function, etc.). At least one information or data that is predefined or defined in real time to be output to a predetermined display device including a display and / or a CRT (Cathode Ray Tube), and is output through a predefined interface screen. The screen output unit 315 and the screen output device interoperate with each other to perform a function of the screen output unit provided in the card terminal 300.

Predefined information or data to be output from the card terminal 300 to the screen output device may include key data input through the key input unit 320 and / or components provided in the card terminal 300. Information (or data) stored or generated by the information, information (or data) transmitted / received through the communication processing unit 330, and / or information corresponding to a predetermined operation result performed by the card terminal 300 (or At least one data).

According to a preferred embodiment of the present invention, the screen output unit 315 is connected to the screen output device for the electronic payment service (or a predetermined additional service according to the electronic payment) defined in the card terminal 300. It is preferable to perform a function of a screen output means for outputting the electronic payment processing screen according to the electronic payment step, and also customer signature information read out from the customer IC card according to the present invention and customer signature information input through the signature input unit. It characterized in that to perform the function of the screen output means for outputting the comparison processing screen.

The communication processor 330 performs a payment network (eg, a value added network (VAN)) while the card terminal 300 performs a predetermined function (eg, a customer signature comparison and display function, an electronic payment processing function, and the like). The VAN company server and / or the terminal (or device) connected to the card terminal 300 via a predetermined cable and / or the terminal connected to the card terminal 300 via a predetermined short-range wireless communication through a predetermined short-range wireless communication (Or a device) provides a predetermined communication means for connecting a communication session, a network communication unit for connecting a predetermined communication channel with a VAN company server on a wired or wireless network, and / or a predetermined terminal via a predetermined cable communication port A predetermined short range communication terminal (or device) through a cable communication unit for connecting a communication session with the (or device), and / or at least one short range wireless communication means. Comprised, including the short-range wireless communication unit for connecting the values with a predetermined communication session comprises a communication protocol and / or the driver for connecting the communication channel (or communication session) by software.

The network communication unit may include a predetermined wired network and / or a mobile communication network including a Value Added Network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). Modem for connecting the communication terminal and the server 305 on the wired and wireless network through a predetermined wireless network including a wireless data communication network, the hardware for connecting the card terminal 300 to a predetermined wired or wireless network (Modem) or NIC (Network Interface Card), and comprises a communication protocol and / or driver for connecting the card terminal 300 to the wired and wireless network in software.

The cable communication unit connects a cable communication session with a predetermined terminal (or device) through a predetermined cable communication (eg, RS-232c or Universal Serial Bus (USB)), and the cable is connected in hardware. It consists of a predetermined cable communication port, and comprises a communication protocol and / or driver for the cable communication in software.

Here, the terminal (or device) to which the cable communication session is connected through the cable communication unit preferably includes a predetermined point of sales (POS) terminal.

The short range wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), Wi-Fi (Wi-Fi), and Universal Serial Bus (USB). Characterized in that to connect a predetermined terminal (or device) and a short-range wireless communication session through at least one or more short-range wireless communication means, the hardware includes the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB And a predetermined short range wireless communication module for short range wireless communication, and includes a communication protocol and / or a driver for the short range wireless communication in software.

Here, the terminal (or device) to which the short-range communication session is connected through the short-range communication unit preferably includes a customer wireless terminal that mounts or detaches a predetermined wireless IC chip.

The secure application module (335) is a confidentiality and / or authentication required by the card terminal 300 in the process of performing the electronic payment and / or electronic payment using the card. And / or security requirements, including integrity and / or nonrepudiation, can be secured within the card terminal 300 without using an authentication server (or server 305) on the payment network. As a safety device for performing in a reliable structure, the card terminal 300 is a predetermined message (information or data) processed in the process of performing a predetermined security request function (for example, electronic payment and / or electronic payment function). Key information important in the process of encrypting or decrypting, adding an authenticator that prevents forgery (or tampering) of the message, or performing the security request function. It characterized in that it performs the function of storing.

In general, the security application module 335 is preferably composed of a predetermined security application module 335 inserter and a security application module 335 chip, the security application module 335 chip is a chip containing at least 8-bit CPU For example, dedicated to foreign exchange remittance in the form of Application Specific Integrated Circuit (ASIC) chips (e.g., PLCC 44-pin chips) and / or IC chips (e.g., SIM (Subscriber Identity Module)) IC card) is preferably included.

In addition, the security application module 35 is at least one or more security application data (for example, at least one identifier, version, expiration date, issue date, code value, etc.) required to perform a predetermined security request function to the card terminal 300 ) And / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, previous transaction cancellation protocols, collection protocols, SAM issuance protocols, (e-money company / card company) Registration protocol, authorization protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / disposal / initialization) / Reprocess / cancel command).

The print output unit 340 is a process of performing the predetermined function (e.g., electronic payment processing function, customer signature information input) of the card terminal 300 and / or the predetermined information or data generated as a result (e.g. And payment information (or signature comparison) result information or data) to a predetermined printing device 345 (for example, a receipt printing machine), and prints the printing information or data according to a predefined printing form. It includes a printing protocol and a driver for printing through the printing device 325.

Referring to FIG. 3, the control unit 305 of the card terminal 300 includes a confirmation unit 360 for confirming whether the customer IC card includes signature information of the customer and a customer signature provided from the customer IC card. A signature receiving unit 365 for receiving information 1 and customer signature information 2 input by the customer through a predetermined signature pad, and the received customer signature information 1 and customer signature information 2; It may be configured to include a display unit 370 to display through the LCD.

In addition, the controller 305 is a card authentication unit 375 for authenticating the validity of the customer IC card using the PIN through the card reader unit 210, and through the card reader unit 310 By generating a payment approval request message including payment means information (eg, credit card information, etc.) read from the customer card and transaction information (eg, payment amount information, etc.) input through the key input unit 320, Transfer the generated payment approval request full text to the VAN company server (or payment server) through the communication processing unit 330, and the payment approval response full text corresponding to the payment approval request full text from the VAN company server (or payment server) Receiving, the electronic processing unit 380 and the electronically received customer signature to execute the function of the card terminal 300 corresponding to the received payment approval response message is stored in the memory unit 110, or The signature processing unit 385 to be transmitted to the VAN company server through the communication unit 330 may further include.

The confirmation unit 360, the customer IC card is inserted (or contacted) in the card terminal 300, the card reader 310 in the process of reading the payment means information from the IC card, the It is characterized by checking whether the IC card stores the signature information of the customer for the implementation of the present invention.

For example, the verification unit 360 may request a command message (eg, GET DATA COMMAND, READ RECORD) requesting customer signature information (eg, a signature information element file) stored in the IC card through the card reader 310. COMMAND, etc.) to the APDU (Application Protocol Data Unit), and if a response message corresponding to the command message is received from the IC card, check whether the customer signature information 1 is included in the received response message. Can be.

The signature receiving unit 365 receives the customer signature information 1 read out from the customer IC card through the card reader 310 in the payment process using the card of the customer, and also receives the signature input unit ( Through the 355, the customer receives the customer signature information (2) directly input to the signature pad provided (or connected) to the card terminal (300).

For example, when it is confirmed that the customer signature information 1 is included in the response message received from the IC card through the verification unit 360, the signature receiving unit 365 includes the response message included in the response message. The customer signature information 1 is read out.

Here, since the reception of the customer signature information 1 stored in the customer IC card and the reception of the customer signature information 2 input through the signature pad occur in a time interval, the signature receiver 365 receives the received customer. The signature information 1 may be temporarily stored in the memory unit 350 until the customer signature information 2 is received.

The display unit 365 directly inputs the customer signature information 1 read out from the customer IC card through the signature receiving unit 360 and the signature pad provided (or connected) to the card terminal 300. When the signature information 2 is received, the received customer signature information 1 and the customer signature information 2 are displayed on the screen output unit.

Here, the display unit 365 may be symmetrical with each other so that the user (for example, the card terminal operator or the customer) can easily compare the received customer signature information 1 and customer signature information 2 with each other in a related manner. It is characterized by displaying.

Thereafter, when the customer signature information 1 and the customer signature information 2 are output through the display unit 365 as shown in FIG. 4, the user of the card terminal 300 (eg, an operator, a cashier, etc.) It is easier to check whether the card user is the actual card holder.

According to one embodiment of the present invention, when it is determined that the customer signature information 1 and the customer signature information 2 are not the same, the card terminal user performs a payment processing using the IC card through a predetermined key input. The process may be interrupted, the payment process may be canceled, or the input of the customer signature information 2 may be requested again.

In addition, when it is determined that the customer signature information 1 and the customer signature information 2 are the same, the user of the card terminal can continue the payment processing process using the IC card through a predetermined key input. have.

In addition, according to another exemplary embodiment of the present invention, the display unit 365 includes coordinate data (for example, x and y coordinate data) in which customer signature information 1 read from the IC card indicates a continuous flow on a predetermined coordinate. Etc.), coordinates when the customer draws or traces the signature 2 of the customer on a screen formed on the tablet with a pen (or puck) through the signature input unit 355. By comparing with a series of x and y coordinate data representing a continuous flow or end point of, the customer signature information (1) provided from the IC card can be compared with the customer signature information (2) directly input by the customer. The collation result may be output through the screen output means.

At this time, since the customer inputs the signature, which is not performed by a machine or apparatus, the input information cannot exactly match the signature information stored in the actual IC card, so that the display unit 365 displays the IC. It is preferable to apply a predetermined error limit between the coordinate data corresponding to the customer signature information 1 provided from the card and the coordinate data corresponding to the customer signature information 2 directly input by the customer.

When the customer IC card is inserted into the card reader 310, the card authentication unit 375 receives a predetermined PIN in cooperation with the key input unit 320 and based on the input PIN, the IC card. A validity authentication procedure may be performed to ensure confidentiality, authentication, integrity, and nonrepudiation (and / or predetermined IC card storage information provided in the IC card).

 When the validity of the IC card (and / or predetermined IC card storage information provided in the IC card) is authenticated by the card authentication unit 375, the customer signature information provided from the IC card according to the present invention and A display process for comparing signature information received from the customer through a signature pad provided in the card terminal or a signature pad connected to the card terminal and a predetermined financial transaction procedure using the card are normally performed.

The specialized processing unit 380, the payment means information (for example, credit card information, etc.) read from the customer card through the card reader unit 310 and transaction information (for example, input through the key input unit 320) Generating a payment approval request message including payment amount information), and transmitting the generated payment approval request message to a VAN company server (or payment server) through the communication processing unit 330, and transmitting to the payment approval request message. Wait for reception of the corresponding payment approval response message.

If a payment approval response message corresponding to the payment approval request message is received, the expert processing unit 380 reads the received payment approval response message, and displays the read financial transaction details information on the screen output unit 315. Output through and / or stored in the memory unit 350, and / or through the print output unit 340 to be printed out in accordance with a predetermined financial transaction receipt form.

If the card terminal 300 is a card terminal 300 having a pre-transaction digital signature transmission function, the signature processing unit 385 may sign signature information of the customer (for example, after the transaction approval of the customer card is normally completed). And stores the customer signature information (1) or customer signature information (2), and transmits the signature information of the customer together with the next payment approval request message when an approval request for the next transaction occurs.

In another embodiment, the signature processing unit 385, if the card terminal 300 is a card terminal 300 having a current transaction electronic signature simultaneous transmission function, in the process of transmitting the full text of the payment approval request The signature information of the customer (for example, the customer signature information 1 or the customer signature information 2) may be transmitted to the VAN company server (or payment server) together with the full payment approval request.

4 is an exemplary view showing a screen displaying customer signature information on a screen of a card terminal according to an embodiment of the present invention.

In more detail, according to the present invention, FIG. 4 is provided with the customer signature information 1 and the card terminal read out from the IC card of the customer on the screen of the card terminal 300 shown in FIG. As an exemplary view of a screen in which customer signature information 2 received from the customer through a signature pad connected to the display pad is displayed through a predetermined screen output means (for example, LCD) provided to the card terminal, the present invention belongs to the present invention. Those skilled in the art may refer to and / or modify the drawing 4 to display the customer signature information 1 and customer signature information 2 through the screen provided in the card terminal. Although various implementation methods of displaying for comparison may be inferred, the present invention includes all the implementation methods inferred and is not limited to the implementation method shown in FIG. No.

In particular, (a) of FIG. 4 corresponds to the customer signature information (1) read from the customer's IC card and the customer signature information (2) input from the customer through the signature pad provided (or connected) to the card terminal. In this case, the user of the card terminal 300 inputs the customer signature information 1 read from the customer's IC card and the signature pad provided (or connected) to the card terminal. The payment approval process can be continued by inputting a predetermined key corresponding to the matching of the received customer signature information (2).

In addition, Figure 4 (b) shows that the customer signature information (1) read from the customer's IC card and the customer signature information (2) input from the customer through the signature pad provided (or connected) to the card terminal As an example of a mismatch, in this case, the user of the card terminal 300 uses the customer signature information 1 read from the IC card of the customer and the signature pad provided (or connected) to the card terminal. The payment approval process is stopped or the payment approval process is canceled through a predetermined key input corresponding to a mismatch of the customer signature information (2) received from the customer signature information (2). May require re-entry).

5 is a diagram illustrating an operation process of a card terminal receiving customer signature information 1 stored in a customer IC card according to an exemplary embodiment of the present invention.

More specifically, FIG. 5 illustrates the IC card in the process of processing a predetermined financial transaction in the card terminal 300 shown in FIG. 3 by using the IC card storing the customer signature information shown in FIG. As the process of receiving the customer signature information (1) from the person of ordinary skill in the art to which the present invention pertains, referring to and / or modifying the present Figure 5 for a variety of operations of the card terminal Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG.

Referring to FIG. 5 according to an embodiment of the present invention, a financial transaction using an IC card storing the customer signature information includes payment means information (eg, credit card information) and the customer signature information stored in the IC card. The IC card may be started by inserting the IC card into the card reader of a card terminal 300 equipped with a predetermined terminal program and a predetermined card reader (for example, a card acceptance device (CAD)).

When the IC card is inserted into the card reader of the card terminal 300, the card terminal 300 supplies a predetermined power (for example, 3V or 5V) for operating the IC card through the VCC of the IC card. Initialize the IC card through RST.

For example, the IC chip has a class A for 5V and a class B for 3V. The card terminal 300 selects a class for about 10 ms, and then supplies power to the IC card to output a normal ATR signal. The card terminal 300 initializes the IC card through a reset signal when the power is stably supplied as described above. When the initialization is normally performed, the RST of the IC card maintains the L state, and O is in the receive mode, while VPP remains idle, while the appropriate and stable frequency (e.g., 3.57 MHz or 4.9 MHz) is supplied to the CLK.

Referring to FIG. 5, when an IC card in which predetermined customer signature information is stored is inserted into a card reader provided in the card terminal 300 (500), the card terminal 300 is connected to the IC card through the card reader. A predetermined operating power is supplied, and the IC card is initialized through the operating power (505).

If the IC card is normally initialized (510), the card terminal may determine the validity of the IC card through a predetermined PIN (Personal Identification Number) input (515).

If the validity of the IC card is not authenticated (520), the card terminal generates and outputs a predetermined IC card error code (525), and ends the predetermined financial transaction process through the IC card.

On the other hand, if the validity of the IC card is authenticated (520), the card terminal 300 sends a command message for requesting payment means information (e.g., credit card number, etc.) to the IC card as an APDU (Application Protocol Data Unit). In step 530, the IC card transmits a response message including the payment means information to the card terminal 300 in response to the command message (535).

In addition, the card terminal 300 transmits a command message for requesting the customer signature information to the IC card in accordance with the present invention (540), wherein if the customer signature information is not stored in the IC card, The card transmits a response message indicating that the customer signature information does not exist to the card terminal 300, and the card terminal 300 omits the process of comparing and outputting the customer signature information according to the present invention, and processes the existing card payment. The process may be performed (555).

On the other hand, if the customer signature information is stored in the IC card (545), the IC card confirms the customer signature information from the customer signature storage information in the IC card (550), the response including the customer signature information The message is transmitted to the card terminal 300 (560).

FIG. 6 is a view showing an operation process of a card terminal displaying customer signature information 1 transmitted from a customer IC card and customer signature information 2 directly input by the customer according to an embodiment of the present invention. .

More specifically, FIG. 6 illustrates the IC card in the process of processing a predetermined financial transaction in the card terminal 300 shown in FIG. 3 by using the IC card storing the customer signature information shown in FIG. To allow the card terminal user to compare the customer signature information (1) read from the customer signature information (2) received by the customer through a signature pad (or a signature pad connected to the card terminal) provided in the card terminal. A key that is displayed through a predetermined screen output means (for example, an LCD, etc.) provided in the card terminal, and is input from the card terminal user in response to whether the customer signature information 1 and the customer signature information 2 match. Regarding the process of processing the financial transaction according to the input information, those skilled in the art to which the present invention pertains, see FIG. 6 and / or Is would be able to infer the variations in the various exemplary methods for the operation of the card terminal, the present invention includes all embodiments in which the inference method, not limited by the exemplary method shown in the figure 6.

Referring to FIG. 6, when the customer signature information 1 stored in the IC card is read from the IC card and transferred to the card terminal 300 through the process of FIG. 5, the card terminal 300 is connected to the card. The client 300 waits for a signature input of the customer from a predetermined signature pad connected to the terminal 300 or provided in the card terminal 300.

At this time, when the signature of the customer is input from the customer to the signature pad (605), and the input customer signature information (2) is transmitted to the card terminal (610), the card terminal 300 is the IC The customer signature information 1 transmitted from the card and the customer signature information 2 transmitted from the signature pad are displayed through the screen output means of the card terminal as shown in FIG. 4 (615).

Thereafter, the card terminal 300 waits whether there is a key input corresponding to a result of comparing the customer signature information 1 and the customer signature information 2 output through the screen output means of the card terminal as shown in FIG. (620).

For example, as shown in (a) of FIG. 4, if it is determined that the customer signature information 1 read out from the IC card and the customer signature information 2 directly input from the customer through the signature pad are the same ( 625), the card terminal 300 may receive a predetermined key input for continuing the payment process using the IC card, and through the customer signature information (1) read from the IC card and the signature pad If it is determined that the customer signature information 2 directly input from the customer is not the same (625), the card terminal 300 stops the payment process using the IC card or signs the customer from the customer through the signature pad. Information (2) may be requested again (630).

On the other hand, the customer signature information (1) read out from the IC card and the customer signature information (2) directly input from the customer through the signature pad are the same, so that a predetermined process for continuing the payment processing using the IC card is performed. When there is a key input, the card terminal 300 generates a full payment approval request message including the card information read out from the IC card and predetermined payment information (635), and generates the predetermined payment approval request full text. It transmits to the VAN company server (or payment server) through the van (VAN) (640).

According to the method of the present invention, if the card terminal 300 is a card terminal 300 having a previous transaction electronic signature transmission function, after the transaction approval of the customer card is normally completed, the signature information of the customer (for example, The customer signature information (1) or customer signature information (2) may be stored, and when the approval request for the next transaction occurs, the signature information of the customer may be transmitted together with the next payment approval request message.

In another embodiment, if the card terminal 300 is a card terminal 300 having a current transaction electronic signature simultaneous transmission function, in the process of transmitting the full payment approval request, the signature information of the customer ( For example, the customer signature information (1) or customer signature information (2) may be transmitted to the VAN company server (or payment server) together with the full payment approval request.

Through a card terminal having a function of outputting customer signature information according to the present invention and a method of outputting customer signature information using the same, the user of the card terminal outputs a signature of a customer (for example, a signature directly input by a customer and a signature read from a customer card). Etc.), there is an advantage that the user's authentication of the card payment customer can be more conveniently performed.

In addition, through the card payment customer identification process, there is an advantage that can prevent in advance an accident that may occur when the card is stolen or lost.

Claims (5)

An electronic signature input unit for electronically inputting the card payment customer's signature; A card reader for reading the customer electronic signature information from a card in which customer signature information is stored; A screen output unit which outputs predetermined data (or information); And a control unit for displaying customer signature information read from the customer card and customer signature information input through the electronic signature input unit on one screen through the screen output unit. Equipped card terminal. The method of claim 1, The control unit, The customer signature information output function may be further configured to compare the customer signature information read from the customer card with the customer signature information input by the customer through the electronic signature input unit, and further output the comparison result through the screen output unit. Card terminal. Receiving a signature of a card settlement customer electronically through a predetermined digital signature input means at the card terminal; Reading the customer electronic signature information from a card in which the customer electronic signature information is stored through a predetermined card reader in a card terminal; And And displaying, at a card terminal, customer signature information read out from the customer card and customer signature information input through the electronic signature input unit on one screen through a predetermined screen output means. Information output method. The method of claim 3, wherein And comparing the customer signature information read from the customer card with the customer signature information input through the electronic signature input unit at the card terminal, and outputting the comparison result through the screen output unit. Information output method. A recording medium having recorded thereon a computer readable program for implementing the method of claim 3 or 4.

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