WO2013100413A1 - Système de paiement par carte de crédit de téléphone intelligent utilisant une prise écouteur, et procédé correspondant - Google Patents

Système de paiement par carte de crédit de téléphone intelligent utilisant une prise écouteur, et procédé correspondant Download PDF

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Publication number
WO2013100413A1
WO2013100413A1 PCT/KR2012/010239 KR2012010239W WO2013100413A1 WO 2013100413 A1 WO2013100413 A1 WO 2013100413A1 KR 2012010239 W KR2012010239 W KR 2012010239W WO 2013100413 A1 WO2013100413 A1 WO 2013100413A1
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WO
WIPO (PCT)
Prior art keywords
credit card
smartphone
earphone jack
identification information
information
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PCT/KR2012/010239
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English (en)
Korean (ko)
Inventor
박응석
이기수
Original Assignee
주식회사 유아이디에스
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Publication of WO2013100413A1 publication Critical patent/WO2013100413A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873—Details of the card reader
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards

Definitions

  • the present invention relates to a smart phone credit card payment system and method using the earphone jack, and more specifically, to encrypt the credit card payment information in real time through a card payment device provided in the earphone jack to be inserted into the smartphone,
  • the present invention relates to a technology for approving a credit card payment by transmitting credit card payment information to a VAN company and a card company connected with a smartphone.
  • electronic payment includes any one of a credit card, a check card, a debit card, a cash card or a financial account in a predetermined card medium including a magnetic stripe (MS) card, an integrated circuit (IC) card or a USIM chip. It is through a payment method.
  • MS magnetic stripe
  • IC integrated circuit
  • the predetermined payment means information corresponding to the payment means is read from the card medium to generate a predetermined electronic payment request message including payment means information, predetermined payment information, and merchant information.
  • the electronic payment request message generated through a predetermined payment network (eg, a value added network (VAN)) is transmitted to the card company (or financial company) server through a POS terminal, and the electronic payment request message is transmitted from the card company (or financial company) server.
  • a predetermined payment network eg, a value added network (VAN)
  • VAN value added network
  • a user passes a credit card to a store clerk, and a store clerk inputs an item price into a POS terminal, and a user who signs it signes and receives a receipt after payment approval.
  • the user enters the credit card identification number, password, expiration date and CVC code online, and performs authentication of the user and credit card by entering a certified certificate or one-time secure click password. After that, the payment process for purchasing the item is completed, which is inconvenient for the user to directly fill in credit card information online.
  • a credit card payment is performed offline through a portable card payment machine.
  • a portable card payment device causes inconvenience of having to carry a separate terminal for credit card payment.
  • the aforementioned patent includes a universal mobile phone having a wireless communication module, and the universal mobile phone includes a payment amount for credit card payment through at least one of a key press method and a touch pad method.
  • a key input unit for receiving request information; And generate a transaction approval request text for credit card payment based on the payment request information and transmit the transaction approval request message to the payment agency server, receive the full transaction approval result in response from the payment agency server, and based on the received transaction approval result text, And a control unit for generating a message including a transaction approval receipt and controlling an operation of transmitting and processing a message including a transaction approval receipt to a mobile phone of a purchaser through a wireless communication module.
  • the technical configuration is simply configured to receive payment request information for credit card payment through a removable card payment machine (C1), and transmit the entire transaction approval request corresponding to the input credit card payment information to a payment agent server.
  • C1 removable card payment machine
  • a separate configuration for detachment of the mobile phone and card payment period is required.
  • the card reader reads the card identification data read from the credit card in the form of raw data
  • the malware when the malware is infiltrated into the mobile phone connected to the card reader or is cracked from the outside, the card information becomes external.
  • An object of the present invention is to encrypt the credit card payment information in real time through a card payment device provided in the earphone jack inserted into the smartphone, and to encrypt the credit card payment information encrypted according to AES (Advanced Encryption Standard) 256 encryption technique
  • AES Advanced Encryption Standard
  • Another object of the present invention by inserting the credit card information read by the integrated credit card inserted through the earphone jack to the VAN company by double encryption, to prevent the credit card information is exposed and abused in advance
  • the purpose is.
  • Smartphone credit card payment system using the earphone jack of the present invention for achieving the above technical problem is inserted and connected to the earphone jack connection terminal provided in the smartphone via the earphone jack, through a magnetic reader formed on one side Reads credit card identification information, encrypts the read credit card identification information in real time through a real-time encryption module, and encrypts the credit card identification information encrypted in real time using the AES 256 encryption method of the control unit to be authorized to a smartphone.
  • a credit card payment machine 100 It is inserted and connected with the earphone jack of the credit card payment machine through the earphone jack connection terminal having a predetermined size groove, and receives credit card identification information from the credit card payment device according to the activation of the pre-installed credit card payment app.
  • the smartphone 200 transmits the credit card identification information to the VAN server connected through the wireless communication network together with the credit card price information received according to the touch signal by the user's operation to receive the card payment approval information.
  • the credit card identification information, credit card price information and smartphone identification number received from the smartphone are transmitted to a card company server connected to a wireless communication network or a dedicated line, and based on the validation information received from the card company server, A VAN server 300 generating card payment approval information and transmitting the generated card approval information to a smartphone and a card company server corresponding to the smartphone identification number; And receiving the credit card identification information, the credit card price information, and the smartphone identification number from the VAN server and decrypting them through a decryption algorithm corresponding to the encryption algorithm of the credit card payment machine, and the decrypted credit card identification information and the smartphone identification number.
  • Validation information generated by verifying the validity of credit card identification information and smartphone identification number previously stored in the card company DB is transmitted to the VAN server, and the card payment authorization information is received from the VAN server, and the payment amount corresponding to the credit card price information. It includes; the card company server 400 to update the card company DB.
  • the magnetic card reader is inserted into and connected to the earphone jack connection terminal provided in the smartphone 200 through the earphone jack.
  • the smartphone 200 accesses the credit card identification information received from the earphone jack provided in the credit card payment machine 100 through the earphone jack connection terminal together with the credit card price information received through the user's operation through a wireless communication network.
  • the card company server 400 transmits the credit card identification information and the smartphone identification number and the validation information generated by validating the credit card identification information and the smartphone identification number previously stored in the card company DB to the VAN server 300.
  • the credit card payment information is encrypted in real time through a card payment device provided in the earphone jack inserted into the smartphone, and the credit card payment information encrypted according to the AES 256 encryption technique connected to the smartphone
  • the credit card payment information encrypted according to the AES 256 encryption technique connected to the smartphone
  • the present invention by inserting the credit card information read by the integrated credit card reader inserted into the smartphone through the earphone jack to the VAN company by double encryption, the effect of preventing the credit card information is exposed and abused in advance There is.
  • FIG. 1 is a configuration diagram showing a credit card payment device and method using a mobile phone in the conventional electronic payment system and the system.
  • FIG. 2 is a block diagram showing a smartphone credit card payment system using an earphone jack according to the present invention.
  • Figure 3 is a block diagram showing a credit card payment machine of the smartphone credit card payment system using the earphone jack according to the present invention.
  • Figure 4 is an exemplary view showing the card information reading of the magnetic reader of the smartphone credit card payment system using the earphone jack according to the present invention.
  • Figure 5 is a block diagram showing an additional configuration of the credit card payment machine of the smartphone credit card payment system using the earphone jack according to the present invention.
  • Figure 6 is a block diagram showing a smartphone of a smartphone credit card payment system using an earphone jack according to the present invention.
  • FIG. 7 is a block diagram showing a VAN server and card company server of the smartphone credit card payment system using the earphone jack according to the present invention.
  • Figure 8 is a flow chart illustrating a smartphone credit card payment method using an earphone jack according to the present invention.
  • step S10 of the smartphone credit card payment method using an earphone jack according to the present invention.
  • step S30 of the smartphone credit card payment method using the earphone jack according to the present invention is a flowchart illustrating a detailed process of step S30 of the smartphone credit card payment method using the earphone jack according to the present invention.
  • step S60 is a flowchart illustrating a process after step S60 of the method for payment of a smartphone credit card using the earphone jack according to the present invention
  • NFC communication unit 170 outer case
  • VAN server 400 card company server
  • the smartphone credit card payment system (S) using the earphone jack according to the present invention, credit card payment machine 100, smart phone 200, VAN server 300 and card company server ( 400).
  • the credit card payment device 100 is inserted and connected to the earphone jack connection terminal 210 provided in the smartphone 200 through the earphone jack 110, the magnetic or barcode reader 120 formed on one side thereof Read the credit card identification information through, and encrypt the read credit card identification information in real time through the real-time encryption module 130, and through the AES 256 encryption technique of the control unit 140 to encrypt the credit card identification information in real time Double encryption to be applied to the smart phone 200, including the earphone jack 110, magnetic or barcode reader 120, real-time encryption module 130, the control unit 140 and the battery 150.
  • the credit card payment device 100 of the smartphone credit card payment system S using the earphone jack according to the present invention is as follows.
  • the earphone jack 110 of the credit card payment machine 100 is formed to protrude a predetermined length for insertion and connection with the earphone jack connection terminal 210 formed in the smartphone 200, received from the controller 140
  • the encrypted credit card identification information is applied to the earphone jack connection terminal 210 of the smartphone 200.
  • the magnetic or barcode reader 120 is configured to be connected to the magnetic provided on the credit card on one side of the credit card identification information inserted in the magnetic of the credit card or is reflected by the laser beam or infrared radiation to the barcode
  • the credit card identification information is read based on the electronic signal generated according to the intensity of light, and the decoded credit card identification information is decoded to the TTL level through the decoder chip 121 and applied to the real time encryption module 130.
  • the real-time encryption module 130 receives credit card identification information decoded at the TTL level from the magnetic or barcode reader 120 by serial communication, converts it into ASCII code, and converts the credit card identification information converted into ASCII code. Encrypted in real time through the set encryption algorithm, and applies the encrypted credit card identification information to the controller 140.
  • the real-time encryption module 130 will be assumed to encrypt in real time the credit card identification information received from the magnetic or barcode reader 120 in accordance with a Realtime Automatic Password (RAP) encryption technique, but the present invention is not limited thereto. .
  • RAP Realtime Automatic Password
  • control unit 140 encrypts the credit card identification information encrypted in real time from the real time encryption module 130 through the AES 256 encryption method and applies it to the earphone jack 110.
  • control unit 140 may be configured by embedding a security chip 141 for AES 256 encryption.
  • the battery 150 applies pre-charged power to the real time encryption module 130 and the controller 140 to perform real time encryption and AES 256 encryption.
  • an additional configuration of the credit card payment device 100 of the smartphone credit card payment system S using the earphone jack according to the present invention is as follows.
  • the credit card payment device 100 is connected to a user's credit card through near field communication (NFC) and is embedded in a USIM chip of the credit card. It further comprises an NFC communication unit 160 for reading the identification information to apply to the control unit 140.
  • NFC near field communication
  • the credit card payment device 100 includes an earphone jack ground groove 171 for accommodating the earphone jack 110 and a terminal pin of the earphone jack 110 accommodated in the earphone jack ground groove 171.
  • the outer case 170 is configured to provide charge to the battery 150 through the configuration of the USB receiving terminal 172 to accommodate the USB cable (C), performing a combination of data communication and charging gender functions It is configured to.
  • the exterior case 170 may be configured to be fixed or detachable with the smartphone 200 to accommodate the earphone jack 110 of the credit card payment machine 100.
  • the credit card payment device 100 is configured to be connected to the smartphone 200 through the external case 170 constituting the USB receiving terminal 172, in this case, the earphone configured in the smartphone 200 It may be configured to be inserted and connected to the USB terminal 250, not the jack connection terminal 210.
  • the smart phone 200 of the offline card payment system (S) using the smart phone according to the present invention is configured as an Android (Android) smart phone to open the operating system source, or the operating system source It can be composed of any one of the smartphone (iPhone) 3GS and iPhone 4G to be private, preferably composed of iPhone 3GS or iPhone 4G, consisting of a smartphone equipped with a private operating system without being limited to the manufacturer do.
  • Android Android
  • the smartphone 200 may be composed of any one of a tablet PC, iPad or Galaxy tab capable of wireless data transmission and reception through a 3G communication network, 4G communication network or WIFI network.
  • the smartphone 200 is inserted and connected to the earphone jack 110 of the credit card payment machine 100 through an earphone jack connection terminal 210 having a groove having a predetermined size.
  • the credit card payment app (App)
  • the credit card identification information is authorized from the credit card payment device 100, and the credit card identification information is inputted along with the credit card payment information received according to a touch signal by a user's operation.
  • Receives the card payment approval information by transmitting to the VAN server 300 connected through a wireless communication network, earphone jack connection terminal 210, app control unit 220, input and output unit 230, wireless communication unit 240 and USB It is configured to include a terminal (250).
  • the earphone jack connection terminal 210 of the smartphone 200 constitutes a groove accommodating a plurality of pins provided in the earphone jack 110 of the credit card payment machine 100, and the earphone is physically inserted and connected The double-encrypted credit card identification information is received from the jack 110.
  • the app controller 220 controls the pre-installed credit card payment app (App), the credit card identification information received from the earphone jack connection terminal 210 and the payment request information corresponding to the authorization input / output unit 230 And, the credit card price information and signature information corresponding to the payment request information and payment information from the input and output unit 230 is authorized, and the credit card identification information, credit card payment information and signature information to the wireless communication unit 240 to pay the card Obtain approval information.
  • App pre-installed credit card payment app
  • the credit card identification information received from the earphone jack connection terminal 210 and the payment request information corresponding to the authorization input / output unit 230
  • the credit card price information and signature information corresponding to the payment request information and payment information from the input and output unit 230 is authorized, and the credit card identification information, credit card payment information and signature information to the wireless communication unit 240 to pay the card Obtain approval information.
  • the input / output unit 230 outputs the credit card identification information received from the earphone jack connection terminal 210 and the payment request information received from the app controller 220 to receive credit received according to a touch signal by a user's manipulation.
  • the card payment information and signature information are authorized to the app controller 220, and the card payment approval information received from the app controller 220 is output.
  • the wireless communication unit 240 transmits the credit card identification information, credit card payment information and the smart phone identification number authorized from the app control unit 220 to the VAN server 300 connected through the wireless communication network, VAN server 300 Approved card payment approval information received from the) to the app control unit 220.
  • the smart phone 200 is configured to be connected to the credit card payment device 100 through an external case 170 constituting the USB receiving terminal 172 of the credit card payment device 100,
  • the earphone jack may be configured to be inserted and connected to the USB terminal 250 instead of the terminal 210.
  • VAN server 300 of the smart phone credit card payment (S) using the earphone jack according to the present invention to look for as follows.
  • the VAN server 300 transfers the credit card identification information, the credit card price information, and the smartphone identification number received from the smartphone 200 connected through the wireless communication network to the card company server 400 connected to the wireless communication network or the dedicated line. And generating credit card identification information and card payment approval information based on the validation information received from the card company server 400 and transmitting the smart card identification number and the smart phone 200 and the card company server 400 corresponding to the smart phone identification number. do.
  • the card company server 400 receives the credit card identification information, credit card price information and smart phone identification number from the VAN server 300 connected to a wireless communication network or a dedicated line and the encryption algorithm of the credit card payment machine 100 and VAN decrypted through a corresponding decryption algorithm, and validates the decrypted credit card identification information and smartphone identification number and credit card identification information and smartphone identification number previously stored in the card company DB 410. It transmits to the server 300, receives the card payment approval information from the VAN server 300 and updates the payment amount corresponding to the credit card price information in the card company DB (410).
  • the credit card payment device 100 is inserted and connected to the earphone jack connection terminal 210 provided in the smartphone 200 through the earphone jack 110, and is read from the credit card through the magnetic or barcode reader 120.
  • the outgoing credit card identification information is encrypted in real time (S10).
  • the credit card payment device 100 encrypts the credit card identification information encrypted in real time in accordance with the AES 256 encryption technique (S20).
  • the smartphone 200 receives credit card identification information received from the earphone jack 110 provided in the credit card payment device 100 through the earphone jack connection terminal 210 through a user's operation.
  • the information is transmitted to the VAN server 300 connected through the wireless communication network (S30).
  • the VAN server 300 transmits the credit card identification information, the credit card price information, and the smartphone identification number to the card company server 400 connected to the wireless communication network or the dedicated line (S40).
  • the VAN server generates the validation information generated by validating the credit card identification information and the smartphone identification number received by the card company server 400 and the credit card identification information and the smartphone identification number previously stored in the card company DB 410. Transmit to 300 (S50).
  • the VAN server 300 generates credit card identification information and card payment approval information based on the validation information received from the card company server 400 to correspond to the smartphone identification number and the smartphone 200 and the card company server. Transfer to 400 (S60).
  • step S10 of the smartphone credit card payment method using the earphone jack according to the present invention is as follows.
  • the magnetic or barcode reader 120 of the credit card payment machine 100 reads out the credit card identification information inserted into the magnetic of the credit card (S11).
  • the real-time encryption module 130 of the credit card payment machine 100 receives the credit card identification information decoded at the TTL level, converts it into an ASCII code, and converts the credit card identification information converted into the ASCII code into a preset encryption algorithm. Encrypt through (S13).
  • control unit 140 of the credit card payment device 100 encrypts the credit card identification information encrypted in real time through the AES 256 encryption method and applies it to the earphone jack 110 (S14).
  • the earphone jack 110 of the credit card payment machine 100 is applied to the earphone jack connection terminal 210 of the smart phone 200 of the smart phone 200 inserted and connected with double encrypted credit card identification information. (S15).
  • step S30 of the smartphone credit card payment method using the earphone jack according to the present invention is as follows.
  • the earphone jack connection terminal 210 of the smartphone 200 applies credit card identification information received from the earphone jack 110 to the app controller 220 (S31).
  • the input / output unit 230 of the smartphone 200 applies the credit card price information and the signature information received according to the touch signal by the user's operation to the app controller 220 (S32).
  • the app control unit 200 of the smartphone 200 authorizes the credit card identification information, credit card price information, and signature information to the wireless communication unit 240 (S33).
  • the wireless communication unit 240 of the smartphone 200 transmits the credit card identification information, credit card price information and the smartphone identification number to the VAN server 300 connected through the wireless communication network (S34).
  • the smartphone 200 outputs the card payment approval information received from the VAN server 300 (S70).
  • the card company server 400 receives the card payment approval information from the VAN server 300 and updates the payment amount corresponding to the credit card price information to the card company DB 410 (S80).

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  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Telephonic Communication Services (AREA)
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Abstract

La présente invention concerne un système de paiement par carte de crédit de téléphone intelligent qui utilise une prise écouteur, et un procédé correspondant. Selon la présente invention, des informations de paiement par carte de crédit sont chiffrées en temps réel par l'intermédiaire d'un processeur de carte de crédit qui est inclus dans une prise écouteur insérée dans un téléphone intelligent, et approuve le paiement par carte de crédit par transmission des informations de paiement par carte de crédit chiffrées dans une technique de chiffrement AES 256 à une société VAN et à une société émettrice de carte de crédit connectées au téléphone intelligent. Selon la présente invention, sans transporter de terminal séparé pour un paiement par carte de crédit dans un environnement hors ligne, le paiement par carte de crédit est effectué par l'intermédiaire d'un processeur de carte de crédit intégré dans le trou de la prise écouteur du téléphone intelligent, et des informations de carte de crédit lues par le processeur de carte qui est inséré dans le téléphone intelligent par l'intermédiaire de la prise écouteur sont doublement chiffrées et transmises à la société VAN. Par conséquent, le système est efficace pour empêcher que des informations de carte de crédit soient exposées et mal utilisées.
PCT/KR2012/010239 2011-12-27 2012-11-29 Système de paiement par carte de crédit de téléphone intelligent utilisant une prise écouteur, et procédé correspondant WO2013100413A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR10-2011-0143371 2011-12-27
KR1020110143371A KR101178246B1 (ko) 2011-12-27 2011-12-27 이어폰 잭을 이용한 스마트폰 신용카드 결제 시스템 및 그 방법

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WO2013100413A1 true WO2013100413A1 (fr) 2013-07-04

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KR101505850B1 (ko) * 2013-05-30 2015-03-26 주식회사 케이지이니시스 잭 플러그 연결 상태를 이용한 선택적 결제 운영 방법
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KR102297797B1 (ko) * 2014-07-30 2021-09-03 삼성전자 주식회사 전자 장치간 트리거 동작 방법 및 장치 그리고, 이를 지원하는 잭 액세서리
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KR101701456B1 (ko) * 2015-12-01 2017-02-22 한국정보통신주식회사 관리 서버 및 그 동작 방법
KR101712112B1 (ko) 2016-05-30 2017-03-03 주식회사 템퍼스 외장형 염도 측정 장치 및 모바일 염도 센서 시스템
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KR101872261B1 (ko) 2017-08-30 2018-06-29 한국인증서비스 주식회사 Ic 카드 정보 보안 전송 시스템 및 이를 이용한 온라인 결제 및 인증 방법
KR101958572B1 (ko) 2017-11-06 2019-03-14 박순호 발신번호 변경 시스템 및 발신번호 변경 서비스 제공 방법
KR20190066199A (ko) 2017-12-05 2019-06-13 박순익 발신번호 변경 시스템 및 발신번호 변경 서비스 제공 방법
KR102313284B1 (ko) 2020-05-07 2021-10-14 김도연 발신번호 변경 시스템 및 발신번호 변경 서비스 제공 방법
KR102354901B1 (ko) 2020-11-27 2022-01-24 (주)클로드 발신번호 변경 시스템 및 발신번호 변경 서비스 제공 방법

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