KR100430035B1 - Wireless-account device, goods-selling and wireless-account system, and internet-based goods-selling and wireless-account system using them - Google Patents

Abstract

The present invention relates to a wireless payment terminal, a product sales-wireless payment system, and an internet-based product sales-wireless payment system using the same, and more particularly, to a smart card that stores electronic money or credit information. A wireless payment terminal configured to exchange information wirelessly with a sales device; A product sales-wireless payment system comprising a wireless payment terminal and a product sales device capable of providing information of the product, selling the product, and performing payment accordingly while communicating wirelessly with such a terminal; It provides an internet-based product sales-wireless payment system that connects the product sales-wireless payment system to a device manager, a cash exchange / management system, a card issuer, etc., and pays the cost according to the transaction of the product.

Using the wireless payment terminal and the system related thereto according to the present invention, it is possible to easily obtain information about the product, and to make payments on the spot using a smart card without paying a communication fee to a wireless communication company. have. In addition, since the information on the transaction history is stored in the price exchange / management system through the Internet, it is possible to easily check the transaction history of the user. Thus, it is possible to ensure the promptness, accuracy and certainty of the transaction between the consumer and the seller.

Description

Wireless payment terminal, product sales-wireless payment system, and internet-based product sales-wireless payment system using them {Wireless-account device, goods-selling and wireless-account system, and internet-based goods-selling and wireless-account system using them}

The present invention relates to a wireless payment terminal, a product sales-wireless payment system, and an internet-based product sales-wireless payment system using the same. More specifically, a wireless payment terminal equipped with a smart card that stores electronic money or credit information and configured to exchange information wirelessly with a product selling device; A product sales-wireless payment system comprising a wireless payment terminal and a product sales device capable of providing information of the product, selling the product, and performing payment accordingly while communicating wirelessly with such a terminal; It provides an internet-based product sales-wireless payment system that connects the product sales-wireless payment system to a device manager, a cash exchange / management system, a card issuer, etc., and pays the cost according to the transaction of the product.

The term "product" as used herein is to be interpreted in a broad sense including tangible goods and intangible services (services).

Purchasing a product and paying for it has undergone various changes with the development of technology. In the early stages, products and money were exchanged directly between parties (consumers and sellers), and later, the delivery of goods and the payment of costs were carried out separately. Furthermore, with the development of new concept payment methods such as debit cards and credit cards, the era of not using tangible currency directly has arrived, and more recently, the payment of products on the virtual space of the Internet. Led to However, many products still go through the process of paying for the sale by selling money or credit cards directly to the seller or by administering them to a mechanical system. In addition, if a credit card is used when the cost of payment is low, the process of authenticating the certificate is cumbersome, and thus is often avoided. In addition, in the case of an unmanned vending machine, since a relatively small amount of products are sold, it is inefficient to perform the above procedure every time.

Recently, a payment method using a wireless mobile phone is also used. In this case, since payment is made in a state where communication is made using a wireless communication phone, first, a fee for communication must be paid to a wireless service provider. In some cases, a certain amount of payment may be required in return for the use of such a settlement service, and thus it is often burdensome for the user.

Accordingly, an object of the present invention is to solve the problems of the prior art and the technical problem that has been requested from the past.

It is a first object of the present invention to provide a wireless payment terminal that can communicate directly with a product selling device wirelessly to obtain product information on the device and quickly pay for the product sale using a smart card.

The second object of the present invention is to communicate with the wireless payment terminal wirelessly to provide product information, to sell the product and the product sales device and the wireless payment terminal that can promptly make a payment accordingly accordingly To provide a wireless payment system.

The third object of the present invention is to connect the product sales-wireless payment system to the device manager, payment / management system, card issuer, etc., via the Internet, so that the product sales and payments with the wireless payment terminal can be quickly performed. It is to provide internet based product sales-wireless payment system.

1 is a schematic diagram of a wireless payment terminal according to an embodiment of the present invention;

2 is a block diagram of a smart card used in the wireless payment terminal of the present invention;

3A is a block diagram of a wireless payment terminal according to an embodiment of the present invention, and FIG. 3B is an operation flowchart thereof;

4A is a block diagram illustrating a wireless payment product selling apparatus according to one embodiment of the present invention, and FIG. 4B is an operation flowchart thereof;

5 is a block diagram of an Internet-based wireless payment system according to an embodiment of the present invention;

Figure 6 is an exemplary progress of the product sales and wireless payment process made in the Internet-based wireless payment system according to the present invention.

Description of the main symbols in the drawings

100: wireless payment terminal 200: smart card

300: configuration of a wireless payment terminal 400: product sales device

500: Internet 600: Vending Machine Operator

700: vending machine manager 800: cash exchange / management system

900: card issuer 1000: terminal user

Wireless payment terminal of the present invention for achieving this object,

Smart card interface that connects the smart card with the electronic money or credit information and the terminal,

Wireless transceiver for transmitting and receiving information wirelessly with an external device,

Main processing control unit for controlling the operation of the terminal,

An information storage unit for storing exchange information with a smart card and exchange information with an external device,

An input for inputting an operation command,

A liquid crystal display for displaying operation contents, and

It consists of including a power supply.

The wireless payment terminal wirelessly transmits and receives with an external product sales device to enable the transaction using the electronic money or credit information of the smart card mounted on the terminal. The external device includes a product sales system embedded in a general payment system or an autonomous vending machine itself, and a personal computer that can be connected to an Internet shopping mall (an interface for wireless communication with the wireless payment terminal). ) Are broadly included.

Therefore, if you use the wireless payment terminal of the present invention equipped with a smart card that stores electronic money or credit information, you do not have to try wireless communication or internet access of a wireless telecommunication company separately, and the detailed information about the product is immediately available. It is very convenient because you can easily check and decide whether to purchase.

The "electronic money" refers to value information that can be used as currency online, such as real money on the offline, and the "credit information" refers to the user's credit card identification number (ID) and password (PW), such as offline. Refers to user credit information that can conduct commerce online through authentication. Accordingly, "smart card with electronic money stored" may be interpreted to mean a smart card as a debit card, and "smart card with credit information stored" may be interpreted to mean a smart card as a credit card.

In general, smart cards are referred to as various types of devices in which integrated circuits for storing information are embedded. Smart cards are largely classified into contact type and non-contact type, and the terminal of the present invention can be configured to use all these types of smart cards. Accordingly, the smart card interface may be configured as a mechanical connection terminal for a contact smart card, and may include an antenna, a radio frequency (RF) circuit, and a digital circuit capable of communicating with the smart card for a contactless smart card. It may be configured as a transceiver (transceiver).

The wireless transceiver transmits and receives a command or information signal wirelessly between a terminal and an external device according to the present invention, and transmits and receives a signal control unit for transmitting a signal generated by the terminal to an external device and receiving a signal from the external device. And short-range wireless communication port. There are three types of short-range wireless communication systems: infrared communication using infrared rays, Bluetooth using a 2.4 GHz frequency band, and Wi-Fi, which is a wireless Ethernet LAN of the IEEE 802.11B standard. The terminal and system of the present invention are not particularly limited in the kind of short-range wireless communication scheme, and are configured to be selected from various known schemes or used in a merged form thereof. For example, the communication port may be an infrared communication port (typically an "IRDA port") or a radio frequency communication port (typically "Bluetooth") or a combination thereof.

The main processing control unit is typically a microprocessor, and includes an operating program ROM (ROM) in which an operation program of the terminal is embedded, a data ROM (ROM), RAM, etc., in which basic protocol data of the terminal is stored. It consists of.

The information storage unit stores the data received from the smart card and the external device and the result calculated by the main processing control unit, and typically, may be a flash RAM.

The input unit may be a module for inputting a user command, and may be a series of keys, a cursor direction control key, a button, a touch screen, and the like.

The liquid crystal display serves to display operation details of the terminal and information of an external device. The type is not particularly limited, but may be typically a liquid crystal display (LCD) panel or a liquid crystal touch screen in which the input unit is incorporated. The information displayed on the liquid crystal display may include a type, a price, a description thereof, a selection icon, a balance stored in a smart card, a payment status, and the like, sold on an external device, for example, an unmanned vending machine.

A power supply supplies voltages and currents suitable for operation to each component of the terminal, and may be a primary battery or a secondary battery, preferably a lithium ion battery or a lithium polymer battery.

In some cases, the terminal may include a sound reproducing unit including a voice sound output control unit and a speaker in order to provide information to a voice or a signal sound.

The present invention also relates to a product sales-wireless payment system comprising the wireless payment terminal and the following product sales apparatus.

Product sales device,

Wireless transceiver for transmitting and receiving information wirelessly with the wireless payment terminal,

A main processing control unit for controlling the operation of the apparatus,

Security card interface for access to security cards,

An information storage unit for storing information on products sold, transmission / reception information with a wireless payment terminal, transaction history information, and the like,

Modem for connecting this unit to the Internet,

Device application for providing a product to a user.

As such a product sales apparatus, the autonomous vending machine which consists of such a structure is mentioned typically. When a user connects to the device through a wireless payment terminal, the unmanned vending machine wirelessly provides the terminal with detailed information about the products it sells, and if the user wants to purchase the information, the electronic money stored in the smart card or Selling products using credit information as a payment method. Such transaction information is transmitted to the device manager server in real time or at regular intervals, or the device operator directly accesses the device using a security card to read information about the transaction performance. With the transaction information thus obtained, the device manager receives payment for the electronic money from an operator of a clearing and administration system, for example, a financial institution such as a card company or a bank. Details thereof are disclosed in FIGS. 5 and 6, which will be described later.

The description of the wireless transceiver, the main processing control, and so on are the same as those of the wireless payment terminal and thus will be omitted.

The security card interface is a module for accessing a security card when a device operator who directly manages the device is directly connected using the security card. The security card is a general security card known in the art, which means that a function for granting access to a device is granted, and is configured to process a device identification number, an operator identification number, a password thereof, and the like.

The device application is responsible for receiving the instructions and information about the transaction to initiate the actual purchase. In addition, the device application provides all the hardware and software necessary to provide a product (article, service, etc.) to the user who has paid for the payment via the smart card of the payment terminal.

In some cases, it may include a user interface that allows a user to directly obtain product information from the device and enter commands for product selection. Accordingly, the user interface may be an LCD panel for directly receiving information on a product, a button for inputting a command for selecting a product, or a touch screen for performing these together.

The present invention also relates to an internet-based product sales-wireless payment system for connecting a product sales-wireless payment system to a device manager, a cash exchange / management system, a card issuer, and the like to pay for the products sold.

In other words, Internet-based product sales-wireless payment system,

A product sales-wireless payment system consisting of a wireless payment terminal and a product sales device that sells products and makes wireless payments according to a purchase request through a wireless payment terminal.

A device manager managing the product sales device,

A cash exchange / management system that pays for bills based on electronic money or credit information from the device manager;

A card issuer for issuing a smart card used for the wireless payment terminal and transmitting the information to the cash exchange / management system;

It consists of including the Internet that interconnects them.

Therefore, the card issuer sells a debit card type smart card or credit card type smart card to a terminal user who has a predetermined amount of electronic money or can set it as necessary, and identifies the identification number and electronic money of a specific smart card. Related information such as the amount of credits, credit information of the user is transmitted to the exchange / management system. The terminal user is provided with a smart card mounted on the terminal to wirelessly access the product selling device to receive information on the product to be sold. For example, when a user purchases a certain product, the amount is subtracted from the smart card, and the information on the smart card and payment amount of the electronic money is encrypted e-mail message containing a 64-bit number list. As a product is delivered to the product sales device, such a product is delivered to the user. Information about the transaction and the amount of payment are stored in the database of the sales device and delivered to the device manager's server via the Internet or at regular intervals, and the device manager sends the transaction history and corresponding electronic money payment to the cash exchange / management system. You will be informed and received the corresponding amount.

In some cases, the smart card may be configured to be used in the form of a credit card. That is, a predetermined amount of electronic money is not stored in advance before use to purchase a product, but wireless payment can be performed through the user authentication process according to the card number. For example, when a smart card as a credit card is attached to the wireless payment system and connected to a product sales device, the product sales device receives a payment online from a Van (Value-Added Network) company to sell the product. You will be paid for.

Hereinafter, the content of the present invention will be described in more detail with reference to the accompanying drawings. However, the present invention is not limited thereto.

1 is a schematic diagram of one exemplary configuration of a wireless payment terminal according to the present invention.

In the wireless payment terminal 100 of FIG. 1, a liquid crystal display device 110, a series of input keys 120, and a direction adjusting key 130 for controlling the movement of a cursor are installed on an upper surface thereof, and an infrared ray is provided on an upper surface thereof. IRDA port 140, which is a communication port, and Bluetooth 150, which is a radio frequency communication port, are mounted. A smart card insertion hole 160 for inserting the smart card 200 is located at the left side, and a lithium secondary battery 170 as a power supply unit is mounted at the bottom of the rear surface. After inserting the smart card 200, which stores electronic money or credit information, and presses the power button, one of the input keys 120, the terminal is operated, selling products existing around the communication ports 140, 150 Sensing infrared or electromagnetic waves emitted from a device (not shown). Although the terminal 100 of FIG. 1 is equipped with two communication ports 140 and 150, in some cases, only one communication port is installed or other communication ports according to other short-range wireless communication methods or a combination thereof. It may be a structure. IRDA port 140 used for short-range wireless communication is relatively inexpensive, but has a disadvantage in that the communication angle is about 30 °, and Bluetooth 150 has no limitation in communication angle but is relatively expensive compared to IRDA port. There is this.

The smart card for financial settlement used in the wireless payment terminal 100 of the present invention is known in the art, the configuration example of such a smart card is shown in FIG.

The smart card 200 may include a microprocessor 210, a nonvolatile memory 220, an encryption module 230, a card read interface 240, a read-only memory (ROM) 250, and a random access memory (RAM) 260. The microcontroller 270 including the back is incorporated. The microcontroller 270, although not shown in FIG. 2, includes a clock, a random number generator, an interrupt control, control logic, a charge pump, power connections, and a card. The interface may include an interface connection unit for communicating with an external (wireless payment terminal).

Microprocessor 210 is a central processing unit that controls the device that executes instructions. The nonvolatile memory 220 is an EPROM or an EEPROM, which stores information that should not be lost even when the smart card 200 is not connected to a power source. This information includes card identification numbers, personal identification numbers, authorization levels, balances, and the like. Encryption module 230 is an optional hardware module used to execute the encryption algorithm. The card reader interface 240 includes software and hardware necessary for communication with the outside. The ROM 250 serves to store system operational fixed data, standard routing and lookup tables. The RAM 260 serves to store the calculated result.

A block diagram of the configuration of the wireless payment terminal 100 according to an embodiment of the present invention is shown in FIG. 3A.

The configuration 300 of the wireless payment terminal 100 includes a main processing control unit 310, a transmission / reception signal control unit 320, an LCD panel 330, a flash memory 340, an input unit 350, a smart card interface 360, Voice sound output control unit 370, power and power control unit 380, IRDA port 322, Bluetooth 324, speaker 372 and the like.

The external smart card 200 is connected to the smart card interface 360, and the information stored therein is stored in the flash memory 340 via the main processing control 310. Among such information, the balances and the like stored in the smart card 200 are displayed on the LCD panel 330 so that the user can check the amount of electronic money available through the terminal 100 at any time if desired.

Under the operation mode, infrared and / or electromagnetic signals emitted from an external device (product sales device) are sensed by the IRDA port 322 and / or the Bluetooth 324 and passed through the transmission and reception signal control unit 320 to the main processing control unit 310. To be delivered. The received signal contains information of the device confirming the presence of an external device, and the schematic information about such a device is displayed as visual information through the LCD panel 330 or as voice or sound information through the speaker 372. It can be heard. In some cases, the present invention may be configured to make the presence of the external device sound only as voice or sound information to attract the user's attention, and then display the schematic information on the LCD panel 330 by the user's operation. Alternatively, a separate visual display device (for example, a light emitting diode) may be included in the configuration in addition to the LCD panel 330 so that the presence of an external device is expressed only by the visual display device.

In the previous stage of making a transaction or the present stage of a transaction, a command input by the user through the input unit 350 is generated in the main processing control unit 310 to communicate with the communication ports 322 and 324 via the transmission / reception signal control unit 320. Will be delivered to the external device. The progress path of the information received from the external device in response to the transmission signal of the wireless payment terminal 100 is the same as above. In a later step in which a transaction is made and payment is made, the main processing control unit 310 reduces the purchase amount from the total amount of electronic money stored in the smart card 200 by the payment command that the user finally selected through the input unit 350. This is displayed on the LCD panel 330, and signals information about the purchase price to be transmitted to an external device through the communication ports 322 and 324.

3B illustrates one exemplary flow diagram described above in connection with the operation of the terminal 100.

4 is a schematic configuration of a product selling apparatus 400 according to an embodiment of the present invention corresponding to the wireless payment terminal 100 of FIG.

The product selling apparatus 400 may include a main processing controller 410, a transmission / reception signal controller 420, an IRDA port 422, a Bluetooth 424, a database 430, a user interface 440, a device application 450, and a modem. 460, the security card interface 470 is included.

In the operation mode, a signal indicating the presence of the apparatus 400 is continuously emitted from the communication ports 422 and 424 via the transmission and reception signal controller 420 according to the command of the main processing controller 410. When a user having the wireless payment terminal 100 approaches the apparatus 400 and receives a signal in a receivable state or receives an information request signal for a product, the main processing controller 410 stores the data in the database 430. The advertisement information, product information, and the like of the device are read and transmitted through the communication ports 422 and 424. In some cases, the transaction request signal may be directly input through the user interface 440 such as a selection button mounted directly on the device. Alternatively, the user interface 440 may include an LCD panel (not shown) to display the information directly on the device, or it may be a touch screen type.

When the transaction is established, the product is delivered to the user through the device application 450, and the transaction information is stored in the database 430. Transaction history information is communicated to the device manager (not shown) in real time or at regular intervals via a connection to the Internet 500 via a modem 460.

When a device operator (not shown) operating the device directly checks the device 400 or replenishes the product, the device 400 is connected to the security card interface 470 to connect the device 400 to the device 400. You will be transferred directly.

4B illustrates one exemplary flow diagram described above in connection with the operation of the product selling apparatus 400.

FIG. 5 shows a configuration of an entire system in which electronic money is settled through the Internet when using a product selling-wireless payment system according to the present invention composed of a wireless payment terminal and a product selling device. The solid line represents an online course through the Internet, and the dotted line represents an offline course. In all cases, online and offline are not parallel, but may be selected among them in some cases. As described above, the smart card may be in the form of a debit card that stores electronic money or in the form of a credit card that stores credit information, and there is a difference between whether the payment is a simultaneous payment of the actual amount or a subsequent payment. have. The following exemplary configuration and process describes only the contents of the former (smart card as a debit card), but if you have ordinary knowledge in the field to which the present invention belongs, the configuration and process of the latter (smart card as a credit card) It will be easy to recognize.

The device operator 600, the device manager 700, the cash exchange / management system 800, and the card issuer 900 of the vending device 400 are connected to each other via the Internet 500. The card issuer 900 issues a smart card 200. When the smart card 200 is issued, the card issuer 900 deposits the amount corresponding to the telephone currency stored in the smart card 200 to the price exchange / management system 800. In addition, the information on the smart card 200, that is, card information such as card identification number, issue date, stored telephone money amount, etc. are transmitted to the price exchange / management system 800. In some cases, the card issuer 900 and the telephone currency provider (not shown) may not be the same. The user 1000 may pay the electronic money provider and receive a new electronic money for the smart card 200 in which the built-in telephone money is exhausted.

The terminal user 1000 having the wireless payment terminal 100 equipped with the smart card 200 in which the electronic money is stored, purchases a product while communicating wirelessly with the sales device 400. The electronic money and transaction details of the payment made from the smart card 200 are transmitted to the device manager 700. The device manager 700 passes such information to the cash exchange / management system 800 and the money is passed to the device manager 700.

6 illustrates an exemplary flow chart of the process described above.

Those skilled in the art to which the present invention pertains may make various applications and modifications within the scope of the present invention based on the above contents.

Using the wireless payment terminal and the system related thereto according to the present invention, it is possible to easily obtain information about the product, and to make payments on the spot using a smart card without paying a communication fee to a wireless communication company. have. In addition, since the information on the transaction history is stored in the price exchange / management system through the Internet, it is possible to easily check the transaction history of the user. Thus, it is possible to ensure the promptness, accuracy and certainty of the transaction between the consumer and the seller. For example, if a parent delivers a smart card that stores a certain amount of electronic money instead of cash to adolescents or children, they can check their usage history and accumulate usage history even if they are accidentally taken away by others.

Claims (7)

A wireless transceiver for transmitting and receiving information wirelessly with a wireless payment terminal; A main processing control unit for controlling the operation of the apparatus; A security card interface for accessing a security card; An information storage unit for storing information on a product for sale, transmission / reception information with a wireless payment terminal, transaction history information, and the like; A modem for connecting the device to the Internet; And a device application for providing a product to a user; An unmanned vending machine as a product sales device that is configured to include a, and a terminal to obtain information about the product and to pay for the purchased product while communicating wirelessly, Smart card interface for connecting the smart card and the terminal that stores electronic money or credit information; A wireless transceiver for transmitting and receiving information with an external device wirelessly; A main processing control unit controlling an operation of the terminal; An information storage unit for storing exchange information with a smart card and exchange information with an external device; An input unit for inputting an operation command; A liquid crystal display for displaying operation contents; And power; Wireless payment terminal, characterized in that the configuration comprising a. The smart card interface of claim 1, wherein the smart card interface includes a mechanical connection terminal for a contact smart card and an antenna, a radio frequency circuit, and a digital circuit for communicating with the smart card for a contactless smart card. Wireless payment terminal, characterized in that consisting of a transceiver (transceiver). The apparatus of claim 1, wherein the wireless transceiver includes a transmission / reception signal controller and a communication port for transmitting a signal generated by a terminal to an external system and receiving a signal from the external system, wherein the communication port is an infrared communication port. Or "IRDA port"), a radio frequency communication port (typically, "Bluetooth"), or a communication port of another short-range wireless communication method, or a combination thereof. The wireless payment terminal according to any one of claims 1 to 3; And A wireless transceiver for transmitting and receiving information wirelessly with the wireless payment terminal; A main processing control unit for controlling the operation of the apparatus; A security card interface for accessing a security card; An information storage unit for storing information on a product for sale, transmission / reception information with a wireless payment terminal, transaction history information, and the like; A modem for connecting the device to the Internet; And a device application for providing a product to a user; Unmanned vending machine as a product sales device that is configured to include; Product sales consisting of a-wireless payment system. 5. The product sales-wireless payment system of claim 4, further comprising a user interface that allows a user to directly obtain product information from the device and to enter commands for product selection. delete A product sales-wireless payment system according to claim 4 or 5, comprising a wireless payment terminal and an unmanned vending machine as a product selling apparatus, for selling and wirelessly paying a product according to a purchase request through a wireless payment terminal; A device manager managing the product selling device; A price exchange / management system that pays for bills based on electronic money or credit information from the device manager; A card issuer for issuing a smart card used for the wireless payment terminal and transmitting the information to the cash exchange / management system; And The internet interconnecting them; Internet-based product sales, wireless payment system, characterized in that comprising a.