WO2021096003A1 - Terminal mobile destiné au paiement par ondes sonores, dispositif de conversion de champ magnétique et système de paiement par ondes sonores - Google Patents

Terminal mobile destiné au paiement par ondes sonores, dispositif de conversion de champ magnétique et système de paiement par ondes sonores Download PDF

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Publication number
WO2021096003A1
WO2021096003A1 PCT/KR2020/004715 KR2020004715W WO2021096003A1 WO 2021096003 A1 WO2021096003 A1 WO 2021096003A1 KR 2020004715 W KR2020004715 W KR 2020004715W WO 2021096003 A1 WO2021096003 A1 WO 2021096003A1
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WIPO (PCT)
Prior art keywords
magnetic field
sound wave
conversion device
mobile terminal
token
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PCT/KR2020/004715
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English (en)
Korean (ko)
Inventor
유태현
이제철
임창순
박미연
이수원
Original Assignee
신한카드 주식회사
주식회사 단솔플러스
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Priority claimed from KR1020200042267A external-priority patent/KR102370671B1/ko
Application filed by 신한카드 주식회사, 주식회사 단솔플러스 filed Critical 신한카드 주식회사
Priority to EP20751058.7A priority Critical patent/EP3848873A4/fr
Priority to JP2020540566A priority patent/JP7134239B2/ja
Priority to CN202080001393.1A priority patent/CN114270384A/zh
Priority to US17/045,718 priority patent/US11847632B2/en
Publication of WO2021096003A1 publication Critical patent/WO2021096003A1/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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • 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
    • 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes

Definitions

  • a mobile terminal includes: an input unit for receiving a user input for selecting card information; A communication unit for receiving a token number indicating a physical card from a card company server when issuance of a token corresponding to the card information selected by the user input is approved; A processor for generating token information including an identification code indicating a target service provider and the token number to identify a service provider; And a sound wave output unit that outputs the sound wave signal converted from the generated token information and transmits it to the magnetic field conversion device.
  • the processor may convert the token information into a sound wave signal by using a single data frame including the identification code and the number of slots of the token number or more.
  • the processor may increase the volume of the sound wave output unit to a target volume in response to a case where the volume set by the sound wave output unit is less than or equal to a threshold volume.
  • the processor may temporarily increase the volume of the sound wave output unit to the target volume and then restore the existing volume again.
  • the processor includes a volume of the sound wave output unit during a time length including a section from an output start time to an output end time of the sound wave signal converted from the token information. Can be maintained at the target volume.
  • the processor may stop reproduction of the sound source in response to a case where at least some bands of the sound band of the sound source being reproduced by the sound wave output unit overlap with the sound band allocated to the sound wave signal.
  • the processor may continue to reproduce the sound source in response to a case where the sound band of the sound source being reproduced by the sound wave output unit does not overlap with the sound band allocated to the sound wave signal.
  • the processor may limit the display output of an interface related to volume control.
  • the processor acquires device setting information including a classification code indicating a target service provider, a device setting code, and device setting data, and the sound wave output unit includes the device setting for changing the device setting of the magnetic field conversion device.
  • a sound wave signal converted from information can be output.
  • the device setting data may include a setting value for at least one of a waiting time, a token transmission interval, a token transmission time length, a sound wave reception distance, a sound output unit setting value, a magnetic field generation interval for each bit, a preamble, and a test mode. have.
  • a magnetic field conversion apparatus includes: a sound wave receiver for receiving a sound wave signal output by a mobile terminal; A processor for converting the token information into a series of binary values in response to a case where the received sound wave signal includes token information and the identification code of the token information indicates a target service provider allocated to the magnetic field conversion device; And a magnetic field output unit generating a magnetic field signal in which a magnetic field direction is alternately changed in order to perform payment using the token information in response to supply of a current corresponding to the series of binary values.
  • the sound wave receiver may receive a sound wave signal corresponding to the token information of a single data frame composed of slots equal to or greater than the number of slots of the identification code and the token number.
  • the processor may convert the token number included in the token information into track data of a credit card, and convert the track data into the series of binary values.
  • the magnetic field output unit includes a ferrite core and a coil including a winding surrounding the ferrite core, and the magnetic field conversion device further includes a power supply unit for providing a current pulse to the coil while alternately changing a current direction,
  • the coil may generate a magnetic field signal in a magnetic field direction corresponding to the current direction in response to the supply of the current pulse.
  • the power supply unit may provide a current pulse to the coil at a first pulse interval with respect to a first bit value, and may provide a current pulse to the coil at a second pulse interval with respect to a second bit value.
  • the second pulse interval may be half of the first pulse interval.
  • the power supply unit applies current pulses in opposite current directions to the coil at a start point and an end point of a section corresponding to the first bit value, and disables a current pulse between the start point and the end point ( disable), and applying a current pulse in a first current direction to the coil at a start point and an end point of a section corresponding to the second bit value, and opposite to the first current direction between the start point and the end point.
  • a current pulse in the second current direction may be applied.
  • the pulse width of the current pulse may be smaller than the pulse interval.
  • the magnetic field conversion device may be attached to at least one of an affiliated store terminal and a mobile terminal.
  • the processor may extract device setting data from the sound wave signal and change the device setting of the magnetic field conversion device using the extracted device setting data.
  • FIG. 1 shows a sound wave payment system according to an embodiment.
  • FIGS. 2 and 3 illustrate a sound wave payment method according to an embodiment.
  • FIG. 4 is a block diagram showing the configuration of a mobile terminal according to an embodiment.
  • FIG. 5 is a diagram illustrating a sound wave transmission process in a mobile terminal according to an embodiment.
  • FIG. 6 is a diagram illustrating a data frame of token information according to an embodiment.
  • FIG. 7 is a flowchart illustrating a method of adjusting a volume according to an exemplary embodiment.
  • FIG. 8 is a diagram illustrating a data frame of device setting information according to an embodiment.
  • FIG. 9 is a block diagram showing the configuration of a magnetic field conversion device according to an embodiment.
  • FIG. 10 is a diagram illustrating an internal arrangement of a magnetic field conversion device according to an exemplary embodiment.
  • FIG. 11 is a diagram illustrating a magnetic field output unit according to an exemplary embodiment.
  • FIG. 12 illustrates a magnetic stripe simulated by a magnetic field conversion device according to an embodiment.
  • FIG. 13 illustrates a current signal applied to a magnetic field output unit to express a first bit value according to an embodiment
  • FIG. 14 illustrates a current signal applied to a magnetic field output unit to express a second bit value.
  • FIG. 15 illustrates an example in which a magnetic field conversion device according to an embodiment is attached to an affiliated store terminal.
  • 16A to 16C illustrate examples in which a magnetic field conversion device according to an embodiment is attached to a mobile terminal.
  • first, second, A, B, (a), and (b) may be used. These terms are for distinguishing the constituent element from other constituent elements, and the nature, order, or order of the constituent element is not limited by the term.
  • FIG. 1 shows a sound wave payment system according to an embodiment.
  • the sound wave payment system 100 may include a mobile terminal 110, a magnetic field conversion device 120, a card company server 130, and an affiliated store terminal 140.
  • the mobile terminal 110 may obtain token information corresponding to card information for payment, convert the obtained token information into a sound wave signal, and output it.
  • the mobile terminal 110 may transmit a sound wave signal to the magnetic field conversion device 120.
  • the magnetic field conversion device 120 may receive a sound wave signal and obtain token information from the received sound wave signal.
  • the magnetic field conversion device 120 may convert token information into binary values and generate a magnetic field signal corresponding to the converted binary values.
  • the magnetic field conversion device 120 may transmit a magnetic field signal to the affiliated store terminal 140.
  • the affiliated store terminal 140 may include a magnetic card reader, and may receive a magnetic field signal from the magnetic field conversion device 120 using a magnetic reader.
  • the affiliated store terminal 140 may decode token information from a magnetic field signal and request payment from the card company server 130 using the token information.
  • the affiliated store terminal 140 may receive an approval result for the payment request from the card company server 130.
  • the card company server 130 may issue tokens and verify payment. For example, the card company server 130 may issue a token number corresponding to the card information to the mobile terminal 110 in response to the successful user authentication of the mobile terminal 110. For another example, the card company server 130 may approve the payment in response to a case in which the payment request from the affiliated store terminal 140 is valid.
  • the card company server 130 has been described for convenience of description, but the present disclosure is not limited thereto, and may be a server of a token issuing institution.
  • the possible distance for sound wave communication between the mobile terminal 110 and the magnetic field conversion device 120 may be within 30 cm, and the magnetic communication possible distance between the magnetic field conversion device 120 and the stripe reader head of the affiliated store terminal 140 is 5 cm. It can be within. The operation of the mobile terminal 110, the magnetic field conversion device 120, the affiliated store terminal 140, and the card company server 130 will be described later.
  • FIGS. 2 and 3 illustrate a sound wave payment method according to an embodiment.
  • FIG. 2 illustrates a schematic flow of a sound wave payment method.
  • an application supporting sound wave payment may be installed on the mobile terminal 110.
  • the mobile terminal 110 may support a sound wave payment function through an application.
  • the mobile terminal 110 may initiate the sound wave payment process shown in FIG. 2 in response to a case where a sound wave payment function is selected by the user while executing the application.
  • the mobile terminal 110 may request token information from the card company server 130.
  • the mobile terminal 110 may select card information for issuing a token, and may request the card company server 130 to issue a token corresponding to the selected card information.
  • the mobile terminal 110 may provide a selection interface for the plurality of card information.
  • the mobile terminal 110 may allow the user to select card information to be used from among a plurality of card information for each payment.
  • the mobile terminal 110 may perform user authentication, and the card company server 130 may issue a token in response to a case where user authentication is successful.
  • Tokens can be distinguished from real physical cards.
  • the token number may indicate a virtual card number indicating a physical card while being different from the serial number of an actual physical card.
  • the token mainly describes a fixed payment token, but is not limited thereto.
  • the card company server 130 may issue token information. For example, when user authentication is successful, the card company server 130 may issue a token (eg, a fixed payment token) and transmit it to the mobile terminal 110.
  • a token eg, a fixed payment token
  • the mobile terminal 110 and the magnetic field conversion device 120 may perform the sound wave conversion process 201, and the magnetic field conversion device 120 and the affiliated store terminal 140 may perform the magnetic field transmission process 202. .
  • the mobile terminal 110 may convert the token information into a sound wave signal. And in step 240, the mobile terminal 110 may transmit a sound wave signal. Subsequently, in step 251, the magnetic field conversion device 120 may receive a sound wave signal.
  • the magnetic field conversion device 120 may convert the received sound wave signal into a magnetic field signal.
  • the magnetic field conversion device 120 may decode token information from the received sound wave signal and convert the decoded token information into a magnetic field signal.
  • the magnetic field conversion device 120 may transmit a magnetic field signal.
  • the affiliated store terminal 140 may request the card company server 130 to approve payment.
  • the affiliated store terminal 140 may decode token information from a magnetic field signal received from the magnetic field conversion device 120 and request payment using the decrypted token information.
  • the card company server 130 may determine whether to approve based on the validity of the decrypted token information, and may notify the result of the approval to the affiliated store terminal 140.
  • FIG. 3 illustrates a more detailed sound wave payment method.
  • the mobile terminal 110 may request a token from the card company server 130, and may receive a token from the card company server 130 in step 312. In step 313, the mobile terminal 110 may generate a token corresponding to the card company.
  • the card company server 130 may distinguish a token by using a mode code together with a token number.
  • the mode code is a code used when issuing a token and approving payment using a token, and a token issuing code value indicating communication between the mobile terminal 110 and the card company server 130, and the affiliated store terminal 140 and the card company server 130 It may be one of point of sale (POS) entry mode values indicating communication between the two.
  • POS point of sale
  • the mobile terminal 110 may transmit the token issuance code value as the mode code together with the token number, and the card company server 130 responds to the case where the token issuance code value is identified as the mode code.
  • the token issuance process can be initiated.
  • the mobile terminal 110 may output a sound wave signal corresponding to the token information.
  • the token information may include a identification code together with a token number.
  • the mobile terminal 110 may convert the token number into a frequency signal for transmission in order to transmit sound waves.
  • the mobile terminal 110 may generate a frequency signal by allocating a frequency corresponding to a corresponding value (eg, a decimal value) for each slot of the token number. Different frequencies may be assigned to values of individual slots.
  • the mobile terminal 110 may generate a frequency signal for transmission by encrypting the frequency signal.
  • the mobile terminal 110 may generate a PCM sound source by performing a Pulse Code Modulation (PCM) conversion using the generated frequency signal for transmission.
  • PCM Pulse Code Modulation
  • the mobile terminal 110 may output a sound wave signal by reproducing the generated PCM sound source.
  • the magnetic field conversion device 120 may receive a PCM sound source. For example, the magnetic field conversion device 120 may receive a sound wave signal output from the mobile terminal 110. In step 322, the magnetic field conversion device 120 may decode the token number from the sound wave signal. For example, the magnetic field conversion device 120 may decode token information based on a frequency detected in a sound wave signal. In step 323, the magnetic field conversion device 120 may transmit a magnetic field signal corresponding to the token number using an inductor (eg, a coil).
  • an inductor eg, a coil
  • the affiliated store terminal 140 may receive a magnetic field signal from the magnetic field conversion device 120.
  • the affiliated store terminal 140 may recognize and decode token information in the form of a magnetic field signal through a magnetic card reader.
  • the affiliated store terminal 140 may transmit the decrypted token information to the PG (Payment Gateway) server 350.
  • the PG company server 350 has been exemplified for convenience of description, but is not limited thereto, and a value-added network (VAN) server may receive and transmit token information.
  • VAN value-added network
  • the PG company server 350 may receive decrypted token information from the affiliated store terminal 140.
  • the PG company server 350 may request the card company server 130 to approve the token.
  • the PG company server 350 may transmit a token approval request to the card company server 130.
  • the card company server 130 may verify the validity of the token number received from the PG company server 350.
  • the card company server 130 may transmit the approval result of the card company to the PG company server 350 and the mobile terminal 110 according to the validation result.
  • the card company server 130 may approve the payment when the token number is valid, and reject the payment when the token number is invalid.
  • the PG company server 350 may transmit the approval result to the affiliated store terminal 140.
  • the affiliated store terminal 140 may transmit the POS entry mode value as a code code to the card company server 130 via the PG company server 350 along with the token number.
  • the present invention is not limited thereto, and at least one of the affiliated store terminal 140 and the PG company server 350 may determine a transaction type based on the code mode and request transaction approval from the token issuer.
  • the card company server 130 may perform a payment approval process in response to a case where a POS entry mode value is identified as a mode code.
  • FIG. 4 is a block diagram showing the configuration of a mobile terminal according to an embodiment.
  • the mobile terminal 400 may include an input unit 410, a communication unit 420, a processor 430, a sound wave output unit 440, a display 450, and a memory 460.
  • the input unit 410, the communication unit 420, the processor 430, the sound wave output unit 440, the display 450, and the memory 460 may communicate data using the communication bus 490.
  • the input unit 410 may receive a user input for selecting card information.
  • the input unit 410 is a touch display 450 implemented integrally with the display 450 to be described later, and may receive a touch input from a user, but the input unit 410 is not limited thereto.
  • the card information is information indicating a physical card, and may include, for example, information on at least a part of the serial number of the physical card.
  • the communication unit 420 may receive a token number indicating a physical card from a card company server when issuance of a token corresponding to the card information selected by a user input is approved. For example, the communication unit 420 may request the card company server to issue a token and receive the issued token number.
  • the processor 430 may generate token information including an identification code and a token number indicating a target service provider in order to identify a service provider. Token information will be described in detail in FIG. 6 below.
  • the sound wave output unit 440 may output a sound wave signal converted from the generated token information and transmit it to the magnetic field conversion device.
  • the sound wave output unit 440 may reproduce a PCM sound source corresponding to a frequency signal converted from token information.
  • the sound wave output unit 440 may be a speaker.
  • the display 450 may output an interface for supporting a sound wave payment function.
  • the display 450 may output a list of selectable card information to the user, a progress status of a payment process, a user authentication status, and a graphic object indicating whether to transmit sound waves. The output of the display 450 will be described in FIG. 5 below.
  • the memory 460 may temporarily or semi-permanently store data required for sound wave transmission from the mobile terminal 400.
  • the memory 460 may store card information, token information, and device setting information.
  • FIG. 5 is a diagram illustrating a sound wave transmission process in a mobile terminal according to an embodiment.
  • the display of the mobile terminal may provide an interface 510 for selecting a payment method. For example, the mobile terminal may proceed to the card selection interface 520 in response to obtaining a user input for the object 511 indicating the sound wave payment function.
  • the display may visualize a list of card information selectable by the user in the card selection interface 520.
  • the mobile terminal may select the corresponding card information in response to a case in which a user input for the object 521 indicating one card information among one or more card information is acquired in the card selection interface 520.
  • the mobile terminal may request user authentication by outputting the user authentication interface 530 through the display. For example, the mobile terminal may request user authentication from the user by outputting the biometric authentication object 531.
  • the mobile terminal may perform sound wave conversion and transmission. Since the sound wave conversion and transmission have been described above, they are omitted.
  • the mobile terminal may output the sound wave transmission interface 540 through the display.
  • the mobile terminal can intuitively inform the user that sound wave transmission is in progress.
  • the present invention is not limited thereto, and the mobile terminal may limit the exposure of the sound wave transmission interface 540 according to settings.
  • the mobile terminal may output a sound wave signal converted from token information for a set period of time.
  • the user may activate the magnetic field conversion device by pushing the power button 550 of the magnetic field conversion device.
  • the activated magnetic field conversion device monitors surrounding sounds for a predetermined time (eg, 10 seconds) and recognizes convertible information.
  • the magnetic field conversion device may receive a sound wave signal output from the mobile terminal.
  • the magnetic field conversion device may convert the sound wave signal into a magnetic field signal and transmit it to the affiliated store terminal 560.
  • FIG. 6 is a diagram illustrating a data frame of token information according to an embodiment.
  • the token information 600 may include an identification code 610 and a token number 620. According to an embodiment, the token information 600 may be a fixed token, but is not limited thereto.
  • the token information 600 may be implemented as a data frame including n slots. Here, n may be an integer greater than or equal to 1, and in FIG. 6, n may be 40 as an example.
  • Each slot of the token information 600 may include a value according to a decimal number. For example, each slot of the token information 600 may include an integer of 0 or more and 9 or less. Each slot of the token information 600 may correspond to a byte.
  • the token number 620 is a set of values (eg, a serial number) indicating a physical card (eg, a magnetic card in which a magnetic stripe is formed), and, for example, a series of values different from the serial number of the physical card. May contain values.
  • the identification code 610 may be a code for distinguishing from other service providers. For example, when Company A uses the classification code 610 of '1111', Company B may use the classification code 610 of '2222'. Accordingly, even in a situation where sound wave signals from different service providers are mixed, the magnetic field conversion device can identify the sound wave signals from the target service provider.
  • the identification code 610 may be allocated to the 1st to 4th slots in FIG. 6.
  • the processor may convert the token information 600 using a plurality of data frames.
  • the processor may convert the token information 600 into a first frame including a part of the token number 620 and a classification code 610 and a second frame including the remainder of the token number 620. have.
  • the first frame may include 1st to 20th slots, and the second frame may include 21st to 40th frames. However, it is not limited to this.
  • the processor may convert the token information 600 into a sound wave signal using a single data frame composed of slots equal to or greater than the number count of the identification code 610 and the token number 620.
  • a single data frame is composed of a number of slots corresponding to the sum of the number of numbers of the identification code 610 and the number of tokens 620, but is not limited thereto.
  • the data frame may further include information indicating the start of data and information indicating the end of the data before and after the identification code 610 and the token number 620.
  • FIG. 7 is a flowchart illustrating a method of adjusting a volume according to an exemplary embodiment.
  • the processor of the mobile terminal may increase the volume of the sound wave output unit to the target volume in response to a case where the volume set in the sound wave output unit is less than or equal to the threshold volume.
  • the threshold volume may be, for example, a value indicating a mute state.
  • the target volume may be a value exceeding the threshold volume. Accordingly, even if the user is in a muted state, the mobile terminal can transmit the sound wave signal converted from the token information to the magnetic field conversion device without additional manipulation.
  • step 742 the processor outputs the sound wave during a time length including a section from an output start time to an output end time of the sound wave signal converted from the token information. You can keep the negative volume at the target volume.
  • the processor may stop reproduction of the sound source in response to a case where at least some bands of the sound band of the sound source being reproduced by the sound wave output unit overlap with the sound band allocated to the sound wave signal. . Further, the processor may continue to reproduce the sound source in response to the case where the sound band of the sound source being reproduced by the sound wave output unit does not overlap with the sound band allocated to the sound wave signal. Accordingly, the mobile terminal can output a sound wave signal for payment without interfering with the current operation by the user.
  • the present invention is not limited thereto, and the processor may stop reproducing the sound source while the sound wave is transmitted if there is a sound source being reproduced by the sound wave output unit regardless of the band.
  • step 743 the processor temporarily increases the volume of the sound wave output unit to the target volume, and then restores the existing volume again. Accordingly, without additional manipulation, the mobile terminal can conveniently provide the volume previously set by the user. In addition, after the output of the sound wave signal converted from the token information is terminated, the processor may resume reproduction of the interrupted sound source.
  • the processor may limit the display output of an interface related to volume control. Therefore, the mobile terminal can automatically adjust the volume without disturbing the user's current work.
  • the mobile terminal may measure the amount of ambient noise and determine the above-described target volume based on the amount of ambient noise.
  • FIG. 8 is a diagram illustrating a data frame of device setting information according to an embodiment.
  • the mobile terminal may obtain device setting information, convert the device setting information into a sound wave signal, and output it.
  • the sound wave output unit of the mobile terminal may output a sound wave signal converted from device setting information for changing the device setting of the magnetic field conversion device.
  • the magnetic field conversion apparatus may change the device setting in response to receiving a sound wave signal including the device setting information 800.
  • the magnetic field conversion device may operate with default device settings stored in firmware. Thereafter, in response to receiving the above-described device setting information, the magnetic field conversion device may change the device setting of the device itself. For example, the magnetic field conversion apparatus may adjust a reception distance according to a user's preference, set a beep sound off, and adjust a service policy or a magnetic field generation interval. When maintenance and modification are required, the user and/or the service provider may modify the firmware setting of the magnetic field conversion device using the device setting information. For example, if there is an update of an application installed on a mobile terminal by a service provider to comply with changes in laws, etc., the service provider can update a number of magnetic field conversion devices through a number of mobile terminals without a direct update of the magnetic field conversion device. have.
  • the device setting information is information for setting the magnetic field conversion device, and may include a classification code 811, a device setting code 812, and device setting data. As described above, token information and device setting information may be expressed in a data frame of the same format. In FIG. 8, the first frames 810 and 810 and the second frames 820 and 820 are exemplarily represented, but the present invention is not limited thereto, and device setting information may also be implemented as a single data frame.
  • the identification code 811 is an identifier for distinguishing a service provider, and may include a value indicating a target service provider.
  • the target service provider may represent a service provider that can be supported by a sound wave payment application installed in a mobile terminal and a magnetic field conversion device.
  • the device setting code 812 may be a value indicating that the data frame includes data related to the device setting.
  • the magnetic field conversion device may identify information included in the data frame as one of token information and device setting information based on the device setting code 812. For example, the magnetic field conversion device, in response to a case where a series of values included in the slots (eg, 5th to 20th slots) of a predetermined section in the data frame match the device setting code 812 , It may be determined that the data frame includes data on device setting information.
  • the device setting data may include a setting value for at least one of a waiting time, a token transmission interval, a token transmission time length, a sound wave reception distance, a sound output unit setting value, a magnetic field generation interval for each bit, a preamble, and a test mode.
  • first setting data 821 to ninth setting data will be described as device setting data.
  • the first setting data 821 may represent data for setting a sound wave reception waiting time.
  • the sound wave reception waiting time may indicate a time to wait for sound wave reception after the magnetic field conversion device is driven.
  • the sound wave reception waiting time may be set to a value of 10 or more and 99 or less, and the unit may be seconds.
  • the second setting data 822 may represent data for setting a token transmission interval.
  • the token transmission interval may indicate an interval in which transmission of a magnetic field signal corresponding to token information is repeated.
  • the token transmission interval may be set to a value of 500 or more and 9999 or less, and the unit may be ms.
  • the magnetic field conversion device may repeatedly transmit a magnetic field signal corresponding to the token number at 1 second intervals.
  • the third setting data 823 may represent data for setting a token transmission time length.
  • the token transmission time length may represent a total length of time for the magnetic field conversion device to transmit a magnetic field signal.
  • the length of the token transmission time can be set to a value of 10 or more and 99 or less, and the unit may be seconds.
  • the third setting data 823 is 10, the second setting data 822 is 1000, and a magnetic field signal may be transmitted at 1 second intervals for 10 seconds.
  • the fourth setting data 824 may represent data for setting a sound wave reception distance.
  • the sound wave reception distance may represent a distance that can be received by the magnetic field conversion device from the sound wave output unit of the mobile terminal.
  • the sound wave reception distance may be set to a value of 100 or more and 500 or less, and the unit may be mm.
  • the microphone of the magnetic field conversion device may receive the sound wave signal. Therefore, when the volume of the smartphone is set to the maximum (eg, 100) and output is performed, a distance that can be received from the sound wave output unit (eg, a speaker) of the mobile terminal needs to be set.
  • the sound wave reception distance may be obtained by converting the sound wave strength (eg, in decibels) of a sound wave signal received by a sound wave receiving unit (eg, a microphone) of the magnetic field conversion device into a distance.
  • the magnetic field conversion device converts the sound wave strength of the received sound wave signal to the current reception distance, compares the current reception distance with a previously set device setting value (eg, minimum reception distance), and the current reception distance is less than the minimum reception distance. In this case, the sound wave signal can be excluded.
  • the fifth setting data 825 may represent data for setting a setting value (eg, on/off) of the sound output unit of the magnetic field conversion device.
  • the fifth setting data 825 may include 1 as a value for turning on the sound output unit and 0 as a value for turning off the sound output unit. Depending on the user's setting, the beep sound may be turned on or off.
  • the sixth setting data 826 may represent data for setting a magnetic field generation interval for each bit.
  • the token information received by the magnetic field conversion device may be converted into a binary number according to the track 2 data format.
  • the magnetic field generation interval for each bit may indicate the magnetic field generation interval corresponding to each bit value of the converted binary number.
  • the magnetic field generation interval is described in FIG. 11 below.
  • POS payment force
  • the seventh setting data 827 and the eighth setting data 828 may represent data for setting a preamble.
  • the seventh setting data 827 may be used to set a start preamble that can be recognized by a magnetic card reader, and the eighth setting data 828 may be used to set an end preamble.
  • the ninth setting data 829 may represent data for setting a test mode.
  • a value for entering the quality check (QC) mode may be 1, and a value for entering the normal mode may be 0.
  • the mobile terminal may change the device setting of the magnetic field conversion device through sound waves.
  • the mobile terminal may generate and output a sound wave signal related to device setting information.
  • the magnetic field conversion device may reflect the corresponding device setting information. Accordingly, the mobile terminal can provide convenient device setting for the magnetic field conversion device without pairing the magnetic field conversion device with a communication module such as Wi-Fi or Bluetooth.
  • the magnetic field conversion device may be miniaturized at a lower cost.
  • FIG. 9 is a block diagram showing the configuration of a magnetic field conversion device according to an embodiment.
  • the magnetic field conversion apparatus 900 may include a sound wave receiving unit 910, a processor 920, a power supply unit 930, a magnetic field output unit 940, and a sound output unit 950.
  • the sound wave receiver 910 may receive a sound wave signal output by the mobile terminal.
  • the sound wave receiving unit 910 may include a microphone.
  • the sound wave receiver 910 may receive a sound wave signal corresponding to token information of a single data frame composed of slots equal to or greater than the number of slots of the identification code and the token number.
  • the processor 920 converts the token information into a series of binary values in response to the case where the received sound wave signal includes token information and the identification code of the token information indicates the target service provider assigned to the magnetic field conversion device 900.
  • the processor 920 may perform binary conversion of token information when the sound wave signal includes token information.
  • the processor 920 performs binary conversion of token information when the identification code of the token information matches a target code supported by the magnetic field conversion device 900 (eg, a code indicated by the target service provider).
  • the magnetic field conversion apparatus 900 may perform binary conversion only on token information provided by a desired service provider. The binary transformation is described in FIG. 12 below.
  • the processor 920 extracts the device setting data from the sound wave signal in response to a case where the device setting code is identified from the received sound wave signal, and uses the extracted device setting data to the device of the magnetic field conversion device 900 You can change the settings. For example, the processor 920 may determine whether the device setting code included in the sound wave signal matches a device setting code predefined between the mobile terminal and the magnetic field conversion device 900. Accordingly, the processor 920 may determine whether to change the device setting according to whether or not the device setting code is matched without a separate pairing.
  • the power supply unit 930 may supply power to the magnetic field output unit 940.
  • the power supply unit 930 may induce generation of a magnetic field by the magnetic field output unit 940 by providing a current pulse to the magnetic field output unit 940.
  • the operation of the power supply unit 930 will be described with reference to FIGS. 13 and 14 below.
  • the magnetic field output unit 940 may generate a magnetic field signal in which a magnetic field direction is alternately changed in order to perform payment using token information in response to supply of a current corresponding to a series of binary values.
  • the sound output unit 950 may output information related to sound wave reception and magnetic field conversion as a sound signal.
  • the magnetic field conversion device 900 indicates that the sound wave signal received from the mobile terminal includes token information, and in response to the token information being valid, that normal information has been received through the sound output unit 950. You can output a reception beep.
  • FIG. 10 is a diagram illustrating an internal arrangement of a magnetic field conversion device according to an exemplary embodiment.
  • the magnetic field conversion apparatus 1000 may be attached to one surface (eg, the rear surface) of the mobile terminal as shown in FIG. 10.
  • the magnetic field conversion apparatus 1000 may accommodate a plurality of circuit elements in a housing.
  • a microphone 1010, a coil 1040, a speaker 1050, a battery 1060, a power button 1070, and a wired charging terminal 1080 may be disposed on one surface of the substrate 1001. .
  • An inductor for wirelessly receiving power for charging the battery 1060 may be disposed on the opposite surface of the substrate 1001. Accordingly, the magnetic field conversion apparatus 1000 may receive sound waves and convert a magnetic field within a limited form factor. The following describes the generation of a strong magnetic field signal by a coil placed in a limited form factor.
  • FIG. 11 is a diagram illustrating a magnetic field output unit according to an exemplary embodiment.
  • the magnetic field output unit 940 may be implemented as, for example, a magnetic field generating coil.
  • the magnetic field generating coil may include a magnetic core 1141 (hereinafter, referred to as “core”) having a ferrimagnetic characteristic and a winding 1142 surrounding the core 1141.
  • core magnetic core 1141
  • winding 1142 surrounding the core 1141.
  • the core 1141 may be a ferrite core.
  • the core 1141 has a columnar shape, and may be, for example, a cylindrical or polygonal columnar shape.
  • the winding 1142 may be a conductive wire.
  • the winding 1142 may be disposed to surround the outer surface of the core 1141 having a column shape.
  • a magnetic shield is not used for the magnetic field generating coil.
  • the magnetic field generating coil may amplify the magnetic field signal generated by the winding 1142 by the quasi-ferromagnetic property of ferrite.
  • the magnetic field generating coil may generate a magnetic field signal generated by the winding 1142 by amplifying 500 times or more.
  • the magnetic field generating coil may be, for example, an inductor having an inductance value of 185uH to 200uH.
  • the core 1141 may be accommodated in the housing of the magnetic field conversion device 1000 in a limited form factor as shown in FIG. 10, so that the length direction of the housing and the length direction of the core 1141 are parallel.
  • the magnetic field generating coil can have the inductance described above even within a limited form factor.
  • the power supply unit 930 of the magnetic field conversion device may provide a current pulse to a coil while alternately changing a current direction.
  • the power supply unit 930 may supply power having a current of 30mA at 1.5V to 3.3V to the magnetic field generating coil described above.
  • the power supply unit 930 may cross the current corresponding to the bit value of the received token number at intervals of 100 to 150 ms (microsecond) to supply the current to the magnetic field generating coil.
  • the coil may generate a magnetic field signal in a magnetic field direction corresponding to the current direction in response to the supply of the current pulse.
  • the power supply unit 930 may supply a current pulse to the winding 1142 in the first current direction 1151.
  • a magnetic field signal in the first magnetic field direction 1161 may be induced by the winding 1142.
  • the power supply unit 930 may supply a current pulse to the winding 1142 in the second current direction 1152.
  • a magnetic field signal in the second magnetic field direction 1162 may be induced by the winding 1142.
  • One of the first magnetic field direction 1161 and the second magnetic field direction 1162 may correspond to the N-pole direction of the magnet, and the other may correspond to the S-pole direction of the magnet.
  • FIG. 12 illustrates a magnetic stripe simulated by a magnetic field conversion device according to an embodiment.
  • the processor may convert the token number included in the token information into track data of a credit card, and convert the track data into a series of binary values.
  • the processor may convert a 36-digit token number in the token information according to FIG. 6 into track 2 data of a magnetic credit card and convert the track 2 data into binary numbers.
  • the track data may represent information that is encoded and stored on two tracks in a magnetic stripe on the back of a credit card (eg, a debit card, a gift card, etc.). There are three tracks on the magnetic line on the back of the credit card.
  • the track 2 format is 75 bits per inch (bpi), and may include 4 bits and 40 parity bit characters. However, the track 2 format is exemplary, and the format of the track data is not limited thereto.
  • the N pole and the S pole of the magnet may be alternately disposed.
  • the head signal 1220 read by the magnetic card signal may include an impulse waveform for each magnet of each polarity.
  • the pulse waveform 1230 may be obtained based on the head signal 1220.
  • the binary signal 1240 may be decoded from the pulse waveform 1230.
  • the interval when the bit value 1 is indicated may be smaller than the interval when the bit value 0 is indicated.
  • the interval when indicating the bit value 1 may be half of the interval when indicating the bit value 0.
  • FIG. 13 illustrates a current signal applied to a magnetic field output unit to express a first bit value according to an embodiment
  • FIG. 14 illustrates a current signal applied to a magnetic field output unit to express a second bit value.
  • the power supply unit may provide the current pulse 1320 to the coil at a first pulse interval 1315 with respect to the first bit value (eg, bit value '0') 1390.
  • the power supply unit includes current pulses 1320 in opposite current directions at the start time 1311 and the end time 1312 of the section corresponding to the first bit value 1390. Is applied to the coil, and a current pulse may be disabled between the start point 1311 and the end point 1312.
  • the power supply unit applies the current pulse in the first current direction during the pulse width 1325, and after the first pulse interval 1315 elapses, the current pulse in the second current direction is applied during the pulse width 1325. I can.
  • the first pulse interval 1315 may be 20 times or more of the pulse width 1325.
  • the pulse width 1325 may be 10 ⁇ s (microsecond), and the first pulse interval may be 200 ⁇ s or more and 300 ⁇ s or less.
  • the power supply unit may provide the current pulses 1421, 1422, and 1423 to the coil at a second pulse interval 1416 with respect to the second bit value (eg, bit value '1') 1490.
  • the second pulse interval 1416 may be half of the first pulse interval 1415.
  • the power supply unit transmits the current pulses 1421 and 1422 in the first current direction to the coil at the start time 1411 and the end time 1412 of the section corresponding to the second bit value 1490. Then, a current pulse 1423 in a second current direction opposite to the first current direction may be applied between the start point 1411 and the end point 1412.
  • the pulse interval of the current pulse supplied to the coil is too narrow, the directionality of the magnetic field increases, but the reading recognition rate of the magnetic card reader decreases. If the pulse interval is too wide, the direction of the magnetic field decreases and the reading recognition rate of the magnetic card reader increases. I can.
  • the pulse width 1425 of the current pulse may be smaller than the pulse interval.
  • the second pulse interval 1416 may be 10 times or more of the pulse width 1425. Since the period in which the pulse is not applied is longer than the period in which the pulse is applied, current consumption can be minimized.
  • the pulse width 1425 may be 10 ⁇ s (microsecond), and the second pulse interval 1416 may be 100 ⁇ s or more and 150 ⁇ s or less. Under the second pulse interval 1416 of 100 ⁇ s or more and 150 ⁇ s or less, the intensity and orientation of the magnetic field and the decoding recognition rate of the magnetic card reader may be optimized.
  • the pulse waveform may be a shape file, but is not limited thereto, and other waveforms may also be used.
  • Current is applied during a period corresponding to the pulse width, and current supplied to the coil may be cut off during the remaining period.
  • the magnetic field conversion device sets the pulse interval according to the bit value while alternately changing the direction of the current applied to the coil, as shown in FIGS. 13 and 14, so that the magnetic stripe of the magnetic card as shown in FIG. It is possible to simulate the change of the magnetic field according to the swipe of.
  • FIG. 15 illustrates an example in which a magnetic field conversion device according to an embodiment is attached to an affiliated store terminal.
  • 16A to 16C illustrate examples in which a magnetic field conversion device according to an embodiment is attached to a mobile terminal.
  • the magnetic field conversion device may be attachable to at least one of an affiliated store terminal and a mobile terminal.
  • the magnetic field conversion device 120 may be attached to the affiliate store terminal 1510.
  • the magnetic field conversion device 120 may be accommodated in the housing 1523 (eg, a housing 1523 made of a wire mesh), and may receive power from the affiliated store terminal 1510 through the power source 1521.
  • the magnetic field conversion device 120 may be attached to the affiliated store terminal 1510 through a double-sided tape or the like.
  • the magnetic field conversion device 120 may be attached to the mobile terminal as shown in FIGS. 16A to 16C.
  • 16A is a rear view of the mobile terminal to which the magnetic field conversion device 120 is attached
  • FIG. 16B is a bottom surface
  • FIG. 16C is a side view.
  • the magnetic field conversion device 120 may be accommodated in the housing 1622, and the housing 1622 may be attached to the mobile terminal.
  • the magnetic field conversion device 120 may receive power 1621 from the battery 1624.
  • the battery charging unit 1623 may charge the battery 1624.
  • An on-off button 1625 and a status display LED (Light Emitting Diode) 1626 may be formed in the housing 1622.
  • the magnetic field conversion device 120 may be driven by the on-off button 1625.
  • the housing 1622 may include an openable lid 1622a.
  • the sound wave receiving unit 1627 of the magnetic field conversion device 120 may be disposed adjacent to the speaker 1611 of the mobile terminal.
  • the method according to the embodiment may be implemented in the form of program instructions that can be executed through various computer means and recorded in a computer-readable medium.
  • the computer-readable medium may include program instructions, data files, data structures, and the like alone or in combination.
  • the program instructions recorded on the medium may be specially designed and configured for the embodiment, or may be known and usable to those skilled in computer software.
  • Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical media such as CD-ROMs and DVDs, and magnetic media such as floptical disks.
  • -A hardware device specially configured to store and execute program instructions such as magneto-optical media, and ROM, RAM, flash memory, and the like.
  • Examples of program instructions include not only machine language codes such as those produced by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like.
  • the hardware device described above may be configured to operate as one or more software modules to perform the operation of the embodiment, and vice versa.
  • the software may include a computer program, code, instructions, or a combination of one or more of these, configuring the processing unit to operate as desired or processed independently or collectively. You can command the device.
  • Software and/or data may be interpreted by a processing device or, to provide instructions or data to a processing device, of any type of machine, component, physical device, virtual equipment, computer storage medium or device. , Or may be permanently or temporarily embodyed in a transmitted signal wave.
  • the software may be distributed over networked computer systems and stored or executed in a distributed manner. Software and data may be stored on one or more computer-readable recording media.

Abstract

Selon un mode de réalisation, un terminal mobile convertit des informations de jeton correspondant à des informations de carte en signaux d'ondes sonores et les transfère, et un dispositif de conversion de champ magnétique récupère les informations de jeton à partir des signaux d'ondes sonores reçus, convertit les informations de jeton en signaux magnétiques et les transfère à un terminal de magasin affilié, exécutant ainsi un paiement.
PCT/KR2020/004715 2019-11-13 2020-04-08 Terminal mobile destiné au paiement par ondes sonores, dispositif de conversion de champ magnétique et système de paiement par ondes sonores WO2021096003A1 (fr)

Priority Applications (4)

Application Number Priority Date Filing Date Title
EP20751058.7A EP3848873A4 (fr) 2019-11-13 2020-04-08 Terminal mobile destiné au paiement par ondes sonores, dispositif de conversion de champ magnétique et système de paiement par ondes sonores
JP2020540566A JP7134239B2 (ja) 2019-11-13 2020-04-08 音波決済のためのモバイル端末、磁場変換装置、及び音波決済システム
CN202080001393.1A CN114270384A (zh) 2019-11-13 2020-04-08 用于声波支付的移动终端、磁场转换装置及声波支付系统
US17/045,718 US11847632B2 (en) 2019-11-13 2020-04-08 Sound wave payment system, magnetic field conversion device, and mobile terminal for sound wave payment technical field

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
KR10-2019-0145264 2019-11-13
KR20190145264 2019-11-13
KR10-2020-0042267 2020-04-07
KR1020200042267A KR102370671B1 (ko) 2019-11-13 2020-04-07 음파 결제를 위한 모바일 단말, 자기장 변환 장치, 및 음파 결제 시스템

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US20150150046A1 (en) * 2006-12-13 2015-05-28 Quickplay Media Inc. Mobile media pause and resume
KR20160023750A (ko) * 2016-02-12 2016-03-03 이도훈 보이스 코일을 이용하는 모바일 자기 데이터 전송 시스템 및 그 방법
KR20160044435A (ko) * 2013-09-12 2016-04-25 페이팔, 인코포레이티드 전자 지갑 자금 이체 시스템
KR101840013B1 (ko) * 2017-10-20 2018-03-19 주식회사 단솔플러스 음파 통신을 이용한 근거리 결제 시스템
KR20190046250A (ko) * 2017-10-25 2019-05-07 삼성전자주식회사 무선 전력 전송을 위한 코일 장치

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US20150150046A1 (en) * 2006-12-13 2015-05-28 Quickplay Media Inc. Mobile media pause and resume
KR20160044435A (ko) * 2013-09-12 2016-04-25 페이팔, 인코포레이티드 전자 지갑 자금 이체 시스템
KR20160023750A (ko) * 2016-02-12 2016-03-03 이도훈 보이스 코일을 이용하는 모바일 자기 데이터 전송 시스템 및 그 방법
KR101840013B1 (ko) * 2017-10-20 2018-03-19 주식회사 단솔플러스 음파 통신을 이용한 근거리 결제 시스템
KR20190046250A (ko) * 2017-10-25 2019-05-07 삼성전자주식회사 무선 전력 전송을 위한 코일 장치

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