KR100366060B1 - 광지불송수신장치 및 이를 이용한 광결제시스템 - Google Patents
광지불송수신장치 및 이를 이용한 광결제시스템 Download PDFInfo
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Abstract
Description
Claims (163)
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- 비용 지불을 위한 광송수신장치에 있어서,사용자의 카드정보가 저장되는 메모리;카드정보를 광송수신하기 위한 광송수신기;비밀번호의 입력없이 카드정보를 송신하기 위한 소액결제버튼과, 비밀번호와 카드정보를 함께 송신하기 위한 고액결제버튼을 구비하여, 광지불동작을 명령하기 위한 버튼;사용자의 버튼 조작에 의해 카드정보를 광송신하여 결제가 이루어지도록 제어하는 제어부; 및광지불동작상태를 표시하기 위한 표시부를 포함하며,소형의 휴대용 기기로 제작되는 광지불송신장치.
- 제 43항에 있어서, 상기 광지불송신장치는 휴대폰, PDA, 키-체인, 시계, 전자수첩의 휴대기기에 적용되어 카드정보를 저장하고 저장된 카드정보를 광신호로 전달하도록 제작되는 광지불송신장치.
- 제 43항에 있어서, 상기 광송수신기는 카드정보를 적외선으로 송수신하는 광지불송신장치.
- 제 45항에 있어서, 상기 광송수신기는수신되는 카드정보의 적외선신호를 전기적 신호로 바꾸어주고, 전기신호를 적외선신호로 바꾸어 송신하는 적외선수광 및 발광부;전기적 신호를 UART신호로 변환하여 주고, UART신호를 적외선신호로 변환하여 주는 디코더 및 인코더; 및상기 디코더로부터 출력되는 UART 시리얼신호를 일정비트단위의 병렬신호로 변경하여 제어부로 출력하고, 제어부를 통해 전달되는 카드정보의 병렬신호를 시리얼신호로 변경하여 인코더로 출력하는 UART부를 구비함을 특징으로 하는 광지불송신장치.
- 제 43항에 있어서, 휴대폰의 키패드를 이용하여 입력되는 비밀번호에 대응하여 발생되는 톤신호로부터 비밀번호를 인식하는 톤인식모듈을 더 포함하는 광지불송신장치.
- 제 43항에 있어서, 상기 광지불송신장치는 개인의 서명을 확인할 수 있게 적정위치에 서명테그를 부착하는 광지불송신장치.
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- 데이터 송수신기능을 구비한 휴대단말기에 있어서,휴대단말기와 연결되어 카드정보를 광송수신하기 위한 광송수신 플러그장치; 및사용자의 카드정보를 저장하며, 외부통신포트에 상기 광송수신 플러그장치가 연결되면 저장된 지불정보를 광송수신 플러그장치로 전달하는 휴대단말기를 포함하는 광지불송신장치.
- 제 53항에 있어서, 상기 광송수신 플러그장치는케이스;상기 케이스 내부에 마련되는 회로;상기 휴대단말기로부터 전달된 카드정보를 광송수신하기 위한 광송수신부;상기 회로 측면에 형성되는 연결케이블;상기 연결케이블에 연결되어 상기 휴대단말기의 외부통신포트와 결합되는 플러그; 및상기 케이스의 일면에 마련되어 상기 광송수신부에서 송수신되는 광신호의 입출구를 형성하는 광송수신창을 구비하는 광지불송신장치.
- 제 54항에 있어서, 상기 광송수신창은 상기 휴대단말기의 후면을 향하도록 형성되는 광지불송신장치.
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- 휴대단말기에서 송신되는 카드정보를 수신받아 결제하기 위한 신용카드조회기에 있어서,상기 카드정보를 광신호로 수신하고, 수신된 카드정보를 입력받아 결제가 이루어지도록 하는 광수신수단;카드리더기;카드정보를 수신하기 위한 어댑터; 및상기 카드리더기에 꽂아 결합된 상태에서 케이블을 통해 상기 어댑터와 연결되어, 상기 카드정보를 카드리더기에서 스와핑한 형태와 동일한 자기신호로 변환하여 상기 신용카드조회기 본체로 전달하는 마그네틱 인터페이스카드를 포함하며,상기 광수신수단과 어댑터중 하나로 카드정보를 수신함을 특징으로 하는 광지불수신장치.
- 제 58항에 있어서, 상기 광수신수단은 상기 신용카드조회기 내부에 내장되는 광지불수신장치.
- 제 58항에 있어서, 상기 광수신수단은 상기 신용카드조회기와 케이블로 연결되는 광지불수신장치.
- 제 60항에 있어서, 상기 광수신수단은 상기 카드정보를 적외선신호로 수신하여 상기 신용카드조회기에서 인식할 수 있는 형태의 신호로 변환시켜 케이블을 통해 신용카드조회기로 전달하는 광지불수신장치.
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- 제 58항에 있어서, 상기 어댑터는적외선형태의 송수신을 위한 적외선수광 및 발광부;상기 적외선수광부에 연결되어 수신된 카드정보를 UART신호로 디코딩하는 적외선디코더;상기 적외선발광부에 연결되어 UART신호를 적외선신호로 인코딩하는 적외선인코더;상기 디코딩된 UART신호를 일정비트단위 병렬신호로 변환하거나 UART형태의 병렬신호를 시리얼형태로 변환하는 UART부;전송모드에서 준비된 변환 알고리즘에 의해 카드정보에 대한 전기적 신호를 전자기 변화로 변경시키기 위해 교류신호를 인가하는 제어부; 및상기 제어부에서 인가되는 교류신호에 따라 임피던스 전압을 조정하여 상기 마그네틱인터페이스카드에 인가하는 I/F변환부를 구비하는 광지불수신장치.
- 제 58항에 있어서, 상기 마그네틱인터페이스카드는 철심코어의 소정위치에 코일이 감겨진 형태로 제작되어, 상기 I/F변환부에서 코일에 인가되는 교류신호에 의해 자속의 변화가 발생하는 광지불수신장치.
- 제 64항에 있어서, 상기 어댑터는 상기 마그네틱인터페이스카드를 상기 카드리더기에 꽂아둔 상태에서, 마그네틱카드를 직접 읽기 위한 카드리더기를 더 포함하는 광지불수신장치.
- 광신호를 이용하여 요금을 지불하는 광지불시스템에 있어서,이동이 가능하며 사용자 단말기로부터 카드정보가 포함된 광신호를 제공받아 해당 카드정보를 일시 저장하고, 저장된 카드정보를 1회 출력하는 이동형 광중계기; 및상기 이동형 광중계기로부터 카드정보를 전송받고 전송받은 카드정보를 신용카드조회기로 전송하는 광중계기지장치를 포함하는 광지불시스템.
- 제 66항에 있어서, 상기 이동형 광중계기는적외선형태로 카드정보를 송수신하기 위한 적외선 수광 및 발광부;수신된 카드정보를 저장하는 메모리;데이터전송을 위한 버튼;상기 광중계기지장치와 커넥터접속하여 상기 메모리에 저장된 카드정보를 광중계기지장치로 전달하기 위한 전송포트; 및상기 버튼이 조작되면, 상기 광중계기지장치와의 접속형태에 따라 상기 적외선발광부와 상기 전송포토중 하나를 통해 카드정보가 상기 광중계기지장치로 전달되도록 제어하는 제어부를 구비하는 광지불시스템.
- 제 67항에 있어서, 상기 제어부는 전달된 해당 카드정보를 상기 메모리에서 삭제하는 광지불시스템.
- 제 67항에 있어서, 상기 광중계기지장치는상기 이동형 광중계기와 커넥터접속하여 전달되는 카드정보를 수신하는 수신포트;상기 이동형 광중계기에서 송신한 적외선형태의 카드정보를 수신하는 적외선수광부; 및상기 수신된 카드정보를 신용카드조회기로 전달하는 제어부를 구비하는 광지불시스템.
- 제 69항에 있어서, 상기 광중계기지장치는 신용카드조회기와 케이블로 연결되는 광지불시스템.
- 제 67항에 있어서, 상기 이동형 광중계기는 클립형으로 제작되는 광지불시스템.
- 제 67항에 있어서, 상기 광중계기지장치는 어댑터형으로 제작되는 광지불시스템.
- 휴대단말기를 이용한 광지불 결제시스템의 보안성을 증대하기 위한 방법에 있어서,(1) 사용자의 비밀번호를 이용하여 카드정보를 암호화하는 단계;(2) 상기 암호화된 카드정보를 결제 비밀번호와 함께 상기 휴대단말기에 입력하는 단계;(3) 거래행위시 상기 휴대단말기에 비밀번호를 입력하여 결제모드를 선택하는 단계;(4) 결제모드에서 상기 휴대단말기에 입력된 카드정보와 비밀번호를 광신호로 송신하는 단계;(5) 상기 광신호의 카드정보와 비밀번호를 수신하고, 수신된 비밀번호를 이용하여 카드정보를 복호화하는 단계; 및(6) 상기 복호화된 카드정보로 결제처리하는 단계를 포함하는 방법.
- 제 73항에 있어서, 상기 단계 (1)은 카드정보의 일부만을 암호화하는 방법.
- 제 73항에 있어서, 상기 단계 (4)의 결제모드에서 상기 휴대단말기의 카드정보 확인 메뉴를 선택하면 복호화프로그램이 동작하여 카드번호와 유효기간을 포함하는 카드정보를 휴대단말기 화면에 표시하는 단계 (7)을 더 포함하는 방법.
- 상거래시스템에 있어서,카드정보를 광송신하며, 그에 대한 응답신호를 수신하여 카드정보의 정상수신여부를 확인하고 이를 화면상에 메시지 표시하는 광지불송신수단;송신되는 카드정보를 광수신하며, 그에 대한 응답신호를 내보내는 광지불수신수단;상기 수신된 카드정보를 전달하고 거래승인을 요청하는 신용카드조회기; 및접수된 승인요청에 대한 승인여부를 신청한 신용카드조회기로 통보하는 결제기관을 포함하는 광결제시스템.
- 제 76항에 있어서, 상기 광지불송신수단은 광송수신기가 부착된 휴대단말기인 광결제시스템.
- 제 76항에 있어서, 상기 광지불수신수단은 상기 신용카드조회기와 케이블로연결되는 광결제시스템.
- 제 78항에 있어서, 상기 광지불수신수단은 카드리더기가 설치된 어댑터형인 광결제시스템.
- 제 76항에 있어서, 상기 광지불수신수단은 상기 신용카드조회기에 내장되는 광결제시스템.
- 제 76항에 있어서, 상기 광지불송신수단은 사용자에 의해 미리 약정된 키버튼 입력시 거래시작을 나타내는 신호와 함께 고객의 이름과 카드번호를 포함하는 정보를 적외선신호로 송신하는 광결제시스템.
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- 제 81항에 있어서, 상기 광지불수신수단은 상기 송신되는 적외선형태의 카드정보를 수신하여 상기 신용카드조회기에서 인식할 수 있는 형태의 신호로 변환하여신용카드조회기로 전달하는 광결제시스템.
- 제 84항에 있어서, 상기 신용카드조회기는 전달되는 카드정보를 상기 결제기관으로 전달하여 결제기관으로부터 승인받아 거래완료시키는 광결제시스템.
- 제 77항에 있어서, 상기 광지불송신수단은 카드정보와 함께 해당 휴대단말기에 할당된 전화번호를 매칭시켜 내장하고, 사용자에 의해 광지불 결제를 위한 키버튼 입력시 내장된 카드정보와 함께 전화번호를 적외선신호로 송신하는 광결제시스템.
- 제 86항에 있어서, 상기 광지불수신수단은 송신되는 적외선신호로부터 카드정보와 전화번호를 추출하고, 추출된 카드정보와 전화번호를 신용카드조회기로 전달하는 광결제시스템.
- 제 87항에 있어서, 상기 신용카드조회기는 전달되는 전화번호를 보관하고, 카드정보를 상기 결제기관으로 전달하며, 거래내역 승인시 구매내역과 보관중인 전화번호를 영수증에 프린트하여 전화번호로 거래주체를 표시하는 광결제시스템.
- 제 76항에 있어서, 상기 광지불송신수단은 사용자에 의해 광지불 결제가 선택되면 카드정보의 저장위치를 가리키는 인덱스데이터를 송신하고, 상기 광지불수신수단에서 보낸 암호화키신호에서 암호키와 메모리 접근명령을 추출하여 메모리 접근명령에 따라 저장되어 있는 카드정보를 읽어내어 암호키로 암호화를 송신하는 광결제시스템.
- 제 89항에 있어서, 상기 광지불수신수단은 상기 송신되는 인덱스데이터의 유효여부를 확인하고, 암호화를 위한 키를 생성하여 메모리접근명령과 함께 상기 광지불송신수단으로 내보내며, 상기 수신되는 카드정보를 보유한 암호화키로 복호화하고, 미리 약정된 압축테이블에 의거 카드정보로 복원하는 광결제시스템.
- 제 76항에 있어서, 상기 결제기관은 승인요청된 카드가 승인내역을 무선으로 전달받기 신청한 회원이면, 매출발생시각, 매출금액, 가맹점명, 카드번호의 일부분을 포함하는 승인내역을 지정된 무선데이터수신기로 송신하는 광결제시스템.
- 제 91항에 있어서, 상기 결제기관은 승인내역을 이메일, 단문전송(SMS) 및 WAP방식중 적어도 어느 하나의 무선전송방식을 사용해 송신하는 광결제시스템.
- 제 92항에 있어서, 상기 결제기관은 승인내역 무선전달 신청후 처음발생한 승인이면, 지정된 무선데이터수신기의 소유자가 카드회원인지를 확인하여 소유자로 확인되면 승인내역을 송신하는 광결제시스템.
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- 주유소나 백화점, 레스토랑등의 고객과 신용카드조회기(또는 POS) 사이가 떨어져있는 장소에서의 결제 시스템에 있어서,카드정보를 광신호로 송신하기 위한 광지불수단;결제금액을 표기하고, 상기 송신되는 카드정보를 수신하여 일시 저장하며 광중계기지장치로 저장된 카드정보를 1회만 전송하는 이동형 광중계기; 및상기 이동형 광중계기로부터 카드정보를 전달받아 상기 신용카드조회기(또는 POS)로 전송하는 광중계기지장치를 포함하는 광결제시스템.
- 제 102항에 있어서, 상기 이동형 광중계기는 점원이 휴대 용이하도록 제작되며, 상기 광중계기기장치와 커넥터나 광통신으로 접속되는 광결제시스템.
- 제 103항에 있어서, 상기 이동형 광중계기는 상기 신용카드조회기(또는 POS)에 장착된 광수신기를 통해 카드정보를 신용카드조회기(또는 POS)로 직접 송신하는광결제시스템.
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KR2020000016328U KR200202256Y1 (ko) | 2000-06-09 | 2000-06-09 | 서명태그를 부착한 휴대전화단말기 |
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KR1020020059520A Division KR100359317B1 (ko) | 2000-05-18 | 2002-09-30 | 광결제시스템을 위한 카드 발급방법 및 시스템 |
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KR10-2002-0059527A Division KR100407656B1 (ko) | 2002-09-30 | 2002-09-30 | 지하철 요금 자동 징수를 위한 광결제시스템 |
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EP (1) | EP1275262A4 (ko) |
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US20020194137A1 (en) | 2002-12-19 |
JP4421164B2 (ja) | 2010-02-24 |
US20080103981A1 (en) | 2008-05-01 |
AU4475401A (en) | 2001-09-24 |
KR20010090485A (ko) | 2001-10-18 |
JP2010055633A (ja) | 2010-03-11 |
US7552094B2 (en) | 2009-06-23 |
WO2001069346A3 (en) | 2001-12-06 |
US20070061256A1 (en) | 2007-03-15 |
HK1058738A1 (en) | 2004-05-28 |
JP2003527703A (ja) | 2003-09-16 |
AU779316B2 (en) | 2005-01-13 |
US20170330168A1 (en) | 2017-11-16 |
JP2005251212A (ja) | 2005-09-15 |
EP1275262A4 (en) | 2006-04-19 |
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