KR100564097B1 - A communication device embedded in terminal, for using transaction and transaction method using the same - Google Patents

Abstract

The present invention relates to an external communication device mounted on a mobile communication terminal to perform a payment function, comprising: a terminal connection unit connected to an input / output terminal of a terminal to transmit and receive data; A wireless transceiver for transmitting and receiving data wirelessly with an external device; A data storage unit for storing its communication device ID and a registered telephone number for transaction authentication; And a control unit which extracts a phone number of the terminal on which it is mounted, and compares the extracted phone number with the stored registered phone number for authentication, and approves a normal transaction if they are identical to each other.

Handset, Adapter, Transaction, Phone Number

Description

A communication device embedded in a terminal and used for trading {A communication device embedded in terminal, for using transaction and transaction method using the same}

1 is a view showing a general credit card payment system.

2 is a view showing the internal configuration of the adapter according to the present invention.

3 is a diagram illustrating a connection relationship between a terminal and an adapter.

4A and 4B show the external shape of the adapter.

5 is a diagram illustrating a configuration of a server that performs registration and inspection of an adapter.

6A and 6B illustrate a process in which an adapter and a server exchange data through a telephone network.

7 is a diagram illustrating a procedure for issuing an adapter according to the present invention.

8 is a diagram illustrating a registration procedure for an adapter according to the present invention.

9 is a flowchart illustrating a procedure of updating a program included in the adapter.

10 is a flowchart illustrating a method of performing an integrity check for an adapter according to the present invention.

11 is a flowchart illustrating a procedure for checking whether a terminal equipped with an adapter is in a normal call.

12 is a diagram illustrating a system for trading using an adapter according to the present invention.

13 is a flow chart illustrating a method of making a transaction using an adapter according to the present invention.

The present invention is configured in a form that can be mounted on a wireless communication terminal such as a mobile phone, having a wireless transceiver to communicate with a card inquiry machine (transaction reader) that can be used for payment of the overall transaction (communication device) and transactions using the same System and method.

Recently, a card is used more than cash as a payment method. There are various types of credit cards, including credit (deferred) cards, prepaid cards, and debit cards. 1 is a diagram illustrating a general credit card payment system. When a user needs to pay a purchase price at a card merchant, the buyer presents the credit card 11 to the seller. The credit card 11 is a magnetic card with a unique number and a user name engraved thereon.

The seller recognizes the credit card information through the magnetic card reader of the credit card inquiry machine 12. The credit card inquiry machine 12 transmits the recognized credit card information to the van company system 13 to make an authorization request. The credit card checker 12 and the bansa system 13 are connected through a dedicated line. The bansa system 13 applies the approval request received to the card company system 14 to apply for approval. The card company system 14 receiving the application for approval from the bansa system 13 checks whether the credit card is a bad card, the credit status of the credit card holder, the usage of the credit card to be used, and checks the result of the approval. To the system 13.

Upon receiving the approval result from the card company system 14, the bansa system 13 notifies the credit card checker 12 of the store where the application for approval has been accepted. After confirming the approval result, the store seller presents the sales slip to the purchaser and receives the signature if the approval is normal. Therefore, in the conventional card payment system, the user must have a card and payment is made by the card number.

The technical problem to be achieved by the present invention is to provide an external adapter (communication device) to be mounted on a widely used mobile communication terminal to perform a payment function, issuance, authentication, management of the adapter and approval of use using the adapter and It is to provide a payment system and method.

According to the present invention for achieving the above technical problem, a communication device mounted on a terminal and used for a transaction includes a terminal connection unit connected to an input / output terminal of the terminal to transmit and receive data with the terminal; A wireless transceiver for transmitting and receiving data wirelessly with an external device; A data storage unit for storing its communication device ID and a registered telephone number for transaction authentication; And a control unit which extracts a phone number of the terminal on which it is mounted, and compares the extracted phone number with the stored registered phone number for authentication, and approves a normal transaction if they are identical to each other.

According to the present invention for achieving the above technical problem, a method for trading with a transaction reader using a communication device mounted on the terminal, when the payment for the transaction is applied by the communication device, the communication device is equipped with itself Extracting a telephone number of the terminal; Comparing the extracted telephone number with an authentication telephone number stored and registered in the communication device; If they are identical to each other in the comparing step, approving a normal transaction and performing a transaction process; And performing a settlement process for the transaction amount if approved as a normal transaction.

In accordance with an aspect of the present invention, a transaction reader for performing a transaction by performing data communication with a communication device mounted on a terminal includes: a transceiver for wireless transmission and reception with the communication device; And an inquiry device for determining whether to approve a transaction according to whether the authentication phone number stored in the memory of the communication device and the phone number extracted from the terminal connected to the communication device are the same through the transceiver.

According to the present invention for achieving the above technical problem, a method for checking the integrity of a communication device mounted on the terminal used for transactions, (a) the communication device is stored in its communication device ID and communication device authentication Transmitting a telephone number for the server to a server through a telephone network; (b) the server extracts the caller's telephone number (i) for the terminal to which the data is transmitted, and then receives the authentication telephone number (i) received from the communication device. Comparing at least two of a caller's telephone number extracted from the server and a telephone number registered corresponding to the communication device ID at the server are the same; And (c) if the telephone numbers are the same, indicating that the communication device is normal, otherwise error processing.

According to an aspect of the present invention, there is provided a method for using a communication device mounted on a terminal for a transaction, the method comprising: requesting a call to a terminal telephone number registered in a server in association with the communication device; Checking a call state with the terminal; And enabling a transaction by a communication device mounted on the terminal when a normal call is possible, and blocking a transaction by the communication device when the call is in a stopped state.

According to an aspect of the present invention, there is provided a method for using a communication device mounted on a terminal for a transaction, the method comprising: controlling the terminal to call a specific telephone number in the communication device; Checking a call state of the terminal; And enabling a transaction by a communication device mounted on the terminal when a normal call is possible, and blocking a transaction by the communication device when the call is in a stopped state.

According to the present invention for achieving the above technical problem, a method for registering a communication device mounted on a terminal to be used for transactions in connection with the terminal, the communication device is mounted on the terminal and then the communication device is Extracting a phone number of the mounted terminal; Transmitting the ID of the communication device and the extracted telephone number to a server; Extracting, from a server, a caller's telephone number for the terminal to which the data is transmitted; Confirming whether the extracted caller phone number is the same as the phone number received from the terminal; Registering the caller's telephone number as authentication information with a server corresponding to the communication device ID if the identification step is the same; The server transmitting the communication device ID and the authentication telephone number to the terminal through a telephone network; And registering the received authentication telephone number as its transaction authentication information.

According to the present invention for achieving the above technical problem, a control system for communicating with a terminal equipped with a communication device to perform the registration and inspection of the communication device, and assigns a communication device ID for each communication device, and the memory and communication Issuing unit for storing and registering in the device; Communication unit for transmitting and receiving data with the terminal; A registration unit for registering the telephone number of the terminal equipped with the issued communication device in a communication device and a memory; And an inspection unit for confirming whether or not the registered communication apparatus is mounted on a terminal corresponding to the registered telephone number and is normally used.

According to an aspect of the present invention, there is provided a program updating method of a communication device, the method comprising: extracting version information of programs currently installed in a communication device when an update request for a program installed in the communication device is received; Transmitting a communication device ID of the communication device, an authentication phone number registered in the communication device, and version information of the program to a server through a telephone network; Packaging the program to be updated by analyzing version information received from the communication device; Transmitting the packaged program to the communication device through a telephone network; The communication device updating the program by storing the program received from the server in a program memory; And software resetting the communication device to operate according to the updated program.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

2 is a view showing the internal configuration of the adapter according to the present invention. 3 is a view showing a connection relationship between the terminal and the adapter, the adapter 35 has a shape that can be inserted into the data input and output terminal unit 33 provided in the mobile communication terminal 31, using the wireless mobile communication of the terminal It is a kind of communication device capable of performing data communication or data transmission and reception using a reader or the like using its own transceiver. 4A and 4B show the external shape of the adapter. It is preferable that the adapter 35 is completely inserted into the input / output terminal portion 33 of the terminal 31 so that the adapter 35 is not visible.

In FIG. 2, the adapter includes a terminal connection part 21 electrically connected to the terminal, a controller 22 for controlling the overall operation, and an RF transceiver 23 for transmitting and receiving an RF signal with the card query device. The adapter has a data storage unit 24 for storing its adapter ID and a registered telephone number for the terminal associated with the adapter, and is used for transaction authentication using this data. The program memory 25 is a memory in which an execution program executed in an adapter is stored. The program memory 25 performs functions and operations necessary in a registration / inspection process with a server or a transaction with a transaction reader. An encryption key storage unit 28 stores an encryption key for encrypting / decrypting data during data transmission and reception, and an encryption unit 26 and a decryption unit 27 for encrypting / decrypting data according to the encryption key.

Generation and storage of the stored adapter ID / registration phone number and encryption key of the adapter will be described with reference to FIGS. 7 and 8, and functions related to encryption / decryption will be described with reference to FIGS. 6A and 6B. In addition, a confirmation function or a payment function performed by the controller 22 of the adapter will be described with reference to FIGS. 10, 11, and 13.

Due to the ease of use and quickness of handling, the RF transmission / reception scheme has the advantage that it can be suitably employed in fare processing during getting on and off in public transportation, purchasing and payment processing in vending machines. Have RF payment system is divided into pre-paid and post-paid according to the payment method. The prepaid method pays the amount that you want to recharge at the charging station first, and then charges the amount in the payment medium and pays the bill first. There is a postpaid payment in the party's bank account.

The terminal equipped with the adapter according to the present invention is not limited to a mobile phone, and refers to a device capable of wireless communication while having its own unique number / ID, and in various forms, such as a watch, an electronic notebook, a PDA, and the like. Can be implemented.

There are two ways in which the adapter 35 shown in FIG. 3 can be powered. One is that the adapter enters the RF field but is powered through the loop antenna, and the other is the power from the terminal. It is supplied. When the adapter is in the vicinity of the trading reader, the operating power of the adapter is obtained from the RF field generated by the trading reader. When the adapter is installed in the terminal and communicates with the server to perform the registration or inspection process, the adapter gets power from the terminal. .

The terminal 31 on which the adapter 35 is mounted may have a function of inquiring details generated by a transaction by the adapter. That is, the transaction history by date, period (week, month, semi-annual, quarter, year), or by each merchant may be provided through the screen, and may be stored in a memory and provided when a user requests an inquiry.

In addition, it is possible to limit the range of use of the adapter by setting the payment limit amount that can be used during transactions by the adapter. For example, you can register an amount that can be paid at one time, or an amount that can be used on a daily, weekly, or monthly basis, and restrict transactions based on this limit amount. If there is a warning message, the transaction will not be established. Information on the payment amount of the adapter may be registered in the adapter in the procedure of issuing the adapter (FIG. 7) or registering (FIG. 8). In addition, by executing the program embedded in the adapter or the terminal while the adapter is mounted on the terminal, information on the payment limit amount may be registered in the adapter through the keyboard of the terminal.

5 is a diagram illustrating a configuration of a server 55 that communicates with the terminal 51 equipped with the adapter 52 according to the present invention and performs registration and inspection of the adapter.

The issuing unit 553 assigns an adapter ID to each adapter before providing the adapter to the user, generates an encryption key used for encryption / decryption in data communication between the adapter and the server, and stores these information in the server and the adapter. Thereby issuing an adapter which can be used for transactions according to the invention to the user. The user can be used for a transaction by mounting the issued adapter 52 to his terminal 51, and through the registration process with the server.

The communication unit 551 transmits and receives data with the terminal 51, and the security processing unit 552 performs an encryption / decryption process for security during data communication.

The registration unit 555 registers the telephone number of the terminal equipped with the adapter in the adapter 52 and the server 55 so that the adapter issued to the user can be used in a specific terminal, and the adapter registers the registered telephone number. The transaction can be set only when the terminal is mounted on the terminal.

The update unit 554 updates the program stored in the program memory of the adapter when a service that can be provided by the adapter is newly created or changed so that the user can use the new or changed service.

The inspection unit 556 checks whether the adapter 52 is normally used to promote the safety of the transaction. In accordance with the adapter ID, check whether the phone number registered in the adapter, the phone number of the terminal equipped with the adapter, the phone number registered in the server, or the phone number of the terminal calling the server match each other, or the terminal associated with the adapter. Performs a function to check whether or not a normal call is available. This inspection process can be performed at regular time intervals or from time to time, and when the actual transaction request by the adapter, the terminal and the server can be connected to selectively perform some or all of the inspection process.

The issuer 553 is illustrated in FIG. 7, the communication unit 551 and the security processor 552 are illustrated in FIGS. 6A and 6B, the register unit 555 is illustrated in FIG. 8, the update unit 554 is illustrated in FIG. 9, and the inspection unit 556 is illustrated in FIG. 10. 11, its function and operation will be described in detail.

6A and 6B illustrate a process in which an adapter and a server exchange data through a telephone network in FIG. 5. This is to perform a process of encrypting / decrypting so that information is not hacked when a terminal and a server transmit and receive data through a telephone network.

FIG. 6A is a flowchart illustrating a process of performing an encryption / decryption process on data for security of communication when transmitting data from an adapter to a server through a telephone network. The transmission data is encrypted, and the server decrypts the encrypted data received from the terminal.

The adapter encrypts the data to be sent to the server with the public key and generates a signature for the encrypted data using the secret key (60). The telephone is connected through the terminal to transmit the data to the server (61). The server receives (63) the data transmitted from the terminal through the telephone network, extracts the caller's telephone number (Caller_ID) of the terminal from which the data is sent, and signs the received data using a certificate stored in the server. Check and restore the data with the private key (64). The server performs a predetermined process according to the restored data.                     

6B is a flowchart illustrating a process of encrypting and transmitting data from a server to an adapter, and receiving and decrypting the data from the adapter to restore the original data.

The server encrypts the data to be transmitted to the adapter with the public key, generates a signature for the encrypted data using the private key (65), and then transmits the data to the terminal equipped with the adapter by calling the telephone network (66). The adapter receives 68 the data from the server via the telephone network / terminal, verifies the signature with the public key on the received data and then restores the data with the secret key (69). The adapter performs a predetermined process according to the restored data.

7 is a diagram illustrating a procedure for issuing an adapter in a server according to the present invention. Before manufacturing an adapter and providing it to a user, this is a flowchart illustrating a process of providing an adapter ID for each adapter and providing a public key of a server to be used for encryption / decryption.

When the newly manufactured adapter is connected to the server (71), the server generates and stores the adapter ID (72), and writes the adapter ID and the server's public key into the adapter's memory (73). As such, after storing the adapter ID and public key for the adapter, the adapter is provided to the user (75). Then, the user can attach the adapter to a specific terminal and use it for transactions by performing the registration procedure as described in FIG. 8.

8 is a diagram illustrating a registration procedure for enabling the adapter according to the present invention to be used in a specific terminal. The registration process is performed so that the telephone number of the terminal equipped with the adapter is the same as the telephone number registered in the adapter.The adapter can be traded only when mounted on the terminal with the registered telephone number and cannot be used when mounted on another terminal. It is a limit.

The adapter is mounted on the terminal to be used for a transaction (811), and then an operation (for example, pressing a registration key button provided on the adapter or the terminal) for starting the registration procedure is performed. The adapter extracts 812 the telephone number of the terminal. In addition, a private key and a public key are generated (813) and then a CSR (Certificate Service Request) for a certificate issuance request is generated based on the public key and the phone number (814). Send the CSR to the server (83). "A" and "B" shown in the figures mean performing the steps between "A" and "B" shown in 6a when the data is transmitted from the terminal to the server (of which A, B is shown in the figure below). The same is the same), and the procedure required by the server (procedure) is "registration", and the transmitted data indicates that the adapter ID and telephone number (83).

The server extracts (851) the caller's telephone number for the terminal from which the data was sent, and compares the extracted caller's telephone number with the telephone number received from the terminal (852), if it is the same, based on the public key and the adapter ID. And store (853), register the calling party's telephone number as authentication information corresponding to the adapter ID received from the terminal (854), otherwise error handling. The server transmits the adapter ID and the authentication telephone number through the telephone network / terminal for registration of the adapter (87).

When the registration procedure as described above is completed, the server provides the information on the registration result in the form of a short message or a voice message to the user's terminal. For example, if the registration is successfully completed, the adapter ID and the authentication phone number registered in the adapter are displayed together with a guide message about the registration. If an error occurs during registration, an error related message is displayed.

The server can check the personal information such as the gender and age of the user from the registered telephone number for the terminal equipped with the adapter. The server can set the necessary information for the adapter so that the rate system that applies to the user's status is applied when using services that differ in the fee system according to the user's gender, age, etc. have. The reading device then applies the rate system as registered with the adapter. Personal information about the terminal user may be stored separately in the server or may be obtained in cooperation with a terminal service server (eg, a telephone company or a mobile carrier).

"C" and "D" shown in the figures mean performing the steps between "C" and "D" shown in 6b when data is transmitted from the server to the terminal (indicated by C and D in the figures below). This is the same as that), the procedure to be performed in the terminal (procedure) is "registration", and the transmitted data indicates that the adapter ID and the authentication phone number (87).

The adapter compares (881) whether the telephone number of the terminal on which it is mounted is the same as the telephone number received from the server. If it is the same, the adapter stores and registers the authentication phone number transmitted from the server as authentication information in the adapter's memory (882), and later uses the adapter in the terminal to use it for transaction authentication when the transaction is used (see FIG. 13). .                     

On the other hand, when an adapter is mounted on the terminal, a process of checking whether the adapter is properly mounted on the terminal set at the time of registration may be periodically or occasionally performed. In particular, it is to check whether the adapter is mounted when the terminal is turned on, and then check whether the telephone number of the terminal is valid (steps 82-85 in FIG. 8). If the identity of the telephone number is confirmed, it is desirable to record the normal operation of the adapter, otherwise, it is desirable to store information on the server and the adapter that restricts use by the adapter.

8 illustrates a registration process when an initial state adapter is to be used for a terminal for the first time. If the primary registered adapter is to be used by mounting another terminal (for example, when the user's terminal is replaced), a re-registration process may be performed to use the existing adapter in the new terminal. When the registration process is initiated through the terminal, the server extracts the telephone number of the calling terminal and compares whether the registered telephone number stored corresponding to the adapter ID is the same as the telephone number of the terminal. If they are different, register the extracted phone number as the registered phone number.

In this re-registration process, it may or may not be checked whether the re-registering user is the same as the existing user. If the user wants to check the user, the server prompts the user to input the telephone number of the existing terminal through the terminal and then checks whether the same as the existing registered telephone number stored in the server. Alternatively, if the ID and password of the user are registered in the process of first registering the adapter, it may be performed as a procedure for checking the ID.                     

9 is a flowchart illustrating a procedure of updating a program included in the adapter. When the service provided by the adapter is new or changed, the program is updated in the program memory of the adapter so that the user can use the new service or the change service.

An update request for a program installed in the adapter is received (91). The update request can be called by the user by pressing an update key button provided in the adapter or the terminal or updating the program of the adapter through the registration terminal when the version of the program is upgraded in the server.

The adapter extracts version information (used as a general term for hardware aspect or software version, etc.) of programs currently installed in the adapter (92). Here, the update request may be performed by inputting an update download key provided in the adapter. The program version information may include hardware specifications as well as software currently installed in the adapter. The terminal transmits the adapter ID of the adapter, the authentication phone number registered in the adapter, and the program version information to the server through the telephone network (93).

The server analyzes the program version information received from the adapter to select and package a program to be updated, and transmits the packaged program to the adapter through a telephone network / terminal in order to perform the program update procedure of the adapter (95).

The adapter stores the program received from the server in the program memory to update the program (96), and software reset to operate the adapter according to the updated program (97). Then, the server can be provided with the updated program in the future.

In addition, the function of the transaction reader and adapter may vary depending on the application field. For example, the transaction reader installed in the subway gate and the transaction reader installed in the vending machine have different processes for performing transactions with the adapter. Therefore, the adapter must have a program suitable for each. Of course, it would be desirable to have a program installed that allows the adapter to work properly for all kinds of transaction readers, but there are cases where the application area is expanded to introduce new kinds of transaction readers and use different ones from the existing programs. In this case, when the user approaches the adapter with a new transaction reader, the adapter recognizes that the program cannot be traded with the program installed thereon, and performs an update procedure as shown in FIG. 9 so that the adapter can directly trade with the new transaction reader. When a transaction reader approaches, the transaction reader can check whether it can deal with itself by the program installed in the adapter and transmit the confirmation information to the adapter.

When the update of the program is completed, the information on the contents and how to use the new or changed service provided by the updated program may also be notified by a short message of the terminal. If the hardware / software specification of the adapter that the user has cannot support the new or changed service, it is desirable to send a message about the service support to the user's terminal so that the user can know the update status.

9 illustrates an update for a program embedded in an adapter, and when a program is installed to control an adapter in a terminal equipped with an adapter, the program of the terminal can also be updated through the above procedure. In this case, the server transmits the version information of the program installed in the terminal to the server corresponding to the adapter ID, and the server transmits the program most suitable for the hardware and software installed in the adapter to the terminal, and the terminal receives it and stores it in its memory. do.

FIG. 10 is a flowchart illustrating a method of performing an integrity check for an adapter according to the present invention. The adapter is registered in association with a phone number of a terminal by a registration procedure as shown in FIG. 8. Whether the transaction by the adapter is used illegally by checking whether it is installed in the terminal specified at the time of registration, whether there is no change of authentication information stored in the adapter memory, and whether the relationship between the adapter and the terminal matches the information registered in the server. It is aimed at preventing origins and identifying where forgery or tampering occurs. Such inspection may be carried out at regular time intervals or from time to time.

The adapter extracts the telephone number (㉠) of the terminal on which it is mounted (101), and extracts the telephone number extracted from the terminal together with its adapter ID and the authentication telephone number stored in the adapter. It transmits to the server via the telephone network (102).

The server extracts (104) the caller's telephone number (i) for the terminal from which the data was sent, and then receives the terminal telephone number (i) and authentication phone number (i) received from the adapter, and the caller's telephone number (i.e. extracted from the server). And telephone numbers registered corresponding to the adapter ID in the server are all the same (105). If they are the same (106), the integrity check date is updated (107) to indicate that it is normal as of registration, otherwise error handling (108). The server sends the result of the integrity check to the adapter through the telephone network / terminal (109), and the adapter performs integrity checking or error processing.

In the comparison step of step 105, comparing the sameness of all the four phone numbers mentioned above would be a perfect check, but a simple comparison method could be applied. For example, the identity of the telephone number extracted from the terminal and the authentication telephone number stored in the adapter can be performed by the adapter. You can check the identity with the phone numbers. In addition, the check for the caller's telephone number can be omitted, and only the comparison of the registered telephone number registered in the adapter with the registered telephone number corresponding to the adapter ID in the server is performed. Sometimes it is enough. Therefore, by comparing at least two of the above four telephone numbers, if the two telephone numbers are not the same, it can be determined that a normal transaction should not be made, and can take measures such as stopping the transaction for the adapter accordingly.

11 is a flowchart illustrating a procedure of checking whether a terminal registered with a server is in a state where a normal call can be made by using an adapter. If the terminal is in a suspended state due to the loss of the terminal or the unpaid fee, or the use of the terminal is terminated, the server may restrict the transaction from the adapter. This check process can be performed regularly at regular times or from time to time, or separately whenever there is a request for a transaction by the adapter, thus ensuring more stable transaction.

The server requests a call from the terminal to the terminal registered with the telephone number (112). By analyzing the initial session information (airing data) generated between the base station and the mobile communication terminal when the call is requested (113), it is possible to determine whether the call state with the terminal, that is, the call right out of the state, the normal call possible state, the call suspended state. have.

If it is out of the call right state 114, the check function is performed again next time, and if the normal call is possible state 115, the check time is registered to indicate that a valid transaction is possible (116). On the other hand, if the call is in a suspended state 117, the transaction by the adapter used in the terminal is blocked. The server may disable the registered telephone number for the adapter ID corresponding to the terminal to prevent transactions with the telephone number, and may provide transaction stop information for the adapter to the card inquiry of each affiliated store. On the other hand, when the server is suspended in the call check state in the later check process and confirms the normal call state, the server measures to make a normal transaction.

Meanwhile, FIG. 11 applies a method of calling a terminal from a server to check whether a terminal can be called. In another embodiment, an adapter mounted on the terminal may control the terminal to call a specific telephone number. For example, when the time determined by the adapter internal program is reached, the process of steps 113 to 118 of FIG. 11 is performed according to the call result. If it is confirmed that the call is stopped, the adapter stores the information about the blocking of the transaction, and if it wants to deal with the transaction reader by the adapter later, the transaction reader confirms that the transaction is blocked and prevents the transaction from being made. In addition, the call availability check may be performed whenever RF communication with the transaction reader to make a payment with the adapter mounted on the terminal. As a preliminary step for the adapter to conduct a transaction with the transaction reader, once the information is confirmed that the call can be made through the terminal, and the information is transmitted from the adapter to the transaction reader, the transaction reader then proceeds to the next transaction with the adapter. Will be performed.

12 is a diagram illustrating a system for trading using an adapter according to the present invention.

The terminal 121 is set to be used for a transaction through the registration process with the server after mounting the adapter 122 in its data input and output terminals.

The adapter 122 is mounted on the terminal 121 and undergoes a registration process with the server, and then transmits the information required for the transaction to the transaction reader 123 including telephone number information by wireless data communication with the transaction reader 123. To carry out the transaction.

The transaction reader 123 is installed in the RF receiver 1231 and the card merchant for transmitting and receiving the RF signal to the adapter 122 and the card inquiry machine for performing transaction approval and payment in connection with the bansa 124 / card company 125 ( 1233). Here, the card lookup machine 1233 is a reader installed in not only a card merchant of a general store but also an entrance and exit of a subway or a bus, a toll collection device such as a toll gate of a road, a toll collection device of a vending machine, or a toll collection device such as a theater. Device. The transaction reader 123 attaches an RF transceiver 1231 instead of reading information from a conventional magnetic stripe type card, receives telephone number information transmitted from the adapter 122, and determines whether to approve a transaction. Store information such as; The card inquiry machine 1233 performs payment for the transaction price according to the procedure shown in FIG. 13 based on the data transmitted from the adapter 122.

Meanwhile, the process of determining whether to approve a transaction between the adapter and the transaction reader may be performed by the adapter, and the result may be transmitted from the adapter to the transaction reader so that normal transaction may be performed if the transaction is approved.

The transceiving unit 1231 provided in the transaction reader 123 may be built in the main body of the card inquiry unit 1233 for reading the magnetic stripe card or may be configured as a separate module from the main body. Although the RF signal method is illustrated as a data communication method between the adapter 122 and the transaction reader 123, the RF method is one example of a method for bidirectional wireless communication, and uses an optical signal (for example, an infrared ray) or a magnetic signal. Wireless communication is also applicable.

13 is a flow chart illustrating a method of making a transaction using an adapter according to the present invention. In the transaction method applying simple check on the phone number, the transaction is executed according to whether the registered authentication phone number stored in the adapter is the same as the phone number of the terminal where the adapter is currently mounted, and matches the information at the time of registration. To make it possible. In this case, it is possible to establish a transaction as an offline state between the user's terminal / adapter and the transaction reader of the card merchant.

When the payment for the transaction is applied by the terminal equipped with the adapter (131), the adapter extracts the telephone number of the terminal equipped with the adapter (132). The adapter compares the authentication registered telephone number stored in the adapter with the extracted telephone number (133). As a result of the comparison, if they are identical to each other (134), the adapter transmits information indicating that it is normal to the transaction reader and the transaction reader approves the normal transaction to perform the transaction process (135). If the comparison results are not identical to each other (134), the adapter sends information indicating that it is not normal to the transaction reader and the transaction reader does not approve the transaction and error processing (136). If the transaction is approved as a normal transaction, the settlement process for the transaction amount is performed.

As an identifier (ID) used for payment in a transaction reader, a financial institution or a server in a transaction by the adapter, a telephone number registered in connection with the adapter or an adapter ID assigned to the adapter may be used as a unique code. In addition, the payment account number of the user may be used separately from such an identifier, or may be used for payment in connection with a telephone number or an adapter ID.

Meanwhile, the comparison steps 133 and 134 of FIG. 13 may be performed by the transaction reader rather than the adapter. To do so, the adapter transmits the registered registered telephone number stored in the memory and the telephone number extracted from the currently connected terminal to the transaction reader, and the transaction reader determines whether to approve the transaction depending on whether these telephone numbers are the same.

FIG. 13 is a method of approving use in an offline state based on a phone number registered in an adapter, but when the transaction request by the adapter is performed, the terminal and the server are connected online and the inspection described with reference to FIGS. 10 and / or 11 is performed. The verification process can be performed in parallel or optionally. In particular, when the transaction amount through the adapter is more than a certain amount it is preferable to automatically connect to the server through the terminal equipped with the adapter to perform the verification process. In addition, the transaction reader may further authenticate the use of the adapter based on the blacklist (information on the prohibition and restriction on the adapter ID) downloaded online from the server or the financial institution.

Prepayment, debit or postpay may be applied as a payment method, and the adapter may be set to any one payment method or select a method to be applied in the transaction among a plurality of payment methods.

In the case of the prepaid method, information about the amount prepaid is already stored in the adapter, so that the transaction amount generated during the transaction is settled directly from the prepaid amount. If the prepaid amount is less than the transaction amount, payment is not performed and an error is processed. Therefore, in the case of the prepaid method, the processing by the offline between the terminal / adapter and the transaction reader is based on.

In principle, the debit / postpay method requires an approval process to check whether the transaction reader can be used to settle the transaction price while online with the server. According to an embodiment of the present invention, a method of establishing a transaction with only a simple approval procedure in an offline state by the phone number verification process of FIG. 13 and then periodically connecting to a server may be applied. This method is suitable for cases where the unit transaction price is relatively small, such as transportation fee and vending machine fee, or when the settlement process is required quickly, and it is particularly useful when the transaction should not be interrupted due to the occurrence of an online failure. In the postpay method, the transaction price may be charged together when charging a telephone fee corresponding to the terminal's telephone number, or the terminal telephone number may be linked with a debit / credit card number and billed together at the time of the card charge.

When performing the transaction process in the offline state as shown in FIG. 13, the server periodically or occasionally, based on the information obtained by the inspection process of FIG. 10 or 11, the information about the terminal / adapter that has stopped the transaction of the card merchant By transmitting to a transaction reader, it is possible to reduce the risk of fraud due to offline transactions. That is, the transaction reader receives and stores information (blacklist information) on the availability of each terminal / adapter from the server, and additionally determines whether to approve the transaction according to the stored blacklist information when performing the transaction of FIG. Can be done.

On the other hand, it can be set to be performed on-line depending on the degree or transaction type of the transaction amount using the adapter. For example, if the transaction amount is 100,000 won or more, after the offline approval process of FIG. In addition, based on the nature of the goods / services handled by the card merchant, the transaction by the terminal / adapter may be performed only in an offline manner, or may be previously set to be performed only in an online manner, or may be performed in parallel or in a transaction. Any one of them may be selectively performed.

In the case of using the adapter according to the present invention for subway toll collection, when the user is close to the entrance reading device while the adapter is mounted on the terminal, the reading device checks whether the transaction is approved (see FIG. 13), and then enters the entrance area. Information and time information is transmitted to the adapter, allowing the user to pass through the entrance switch. The adapter stores the information sent from the entry reader. When the customer arrives at the destination and approaches the terminal / adapter to the exit station reader, the reader confirms the transaction approval (see FIG. 13) and then allows the user to pass through the exit switch. When the user approaches the reader to pass through the switchgear through the adapter, the online process of checking the registered telephone number in the server according to the telephone number of the terminal equipped with the adapter as well as the offline approval process of FIG. If done selectively, you will be able to secure more secure transactions.

The reader receives entrance and exit information and time information from the adapter, calculates the usage fee, and records the transaction date and usage fee along with information for identifying the transaction target such as the terminal phone number / adapter ID. Such transaction information can be transferred from the reader to the adapter and stored in the adapter. The central server is connected online with the reading device installed in each subway station at a certain point of time, aggregates the transaction details stored in the recording part of the reading device, and performs settlement according to the transaction details.

On the other hand, the transaction method by the terminal / adapter according to the present invention can be applied to electronic commerce using the Internet. In this case, the computer or the terminal performing the electronic commerce process is required to be provided with a transceiver that can communicate wirelessly with the adapter, the user computer and the shopping mall server must be pre-installed software to enable the transaction by the adapter.

After the customer accesses the shopping mall with a computer connected to the Internet, searches for the product, decides the purchase item, fills out the order form, selects the payment method using the adapter for payment, and then transfers the information of the adapter to the shopping mall server through the computer's transceiver. send. The shopping mall server may determine whether to approve a transaction in the manner described with reference to FIGS. 10, 11, and 13 based on the information transmitted from the adapter. As a result, it is possible to prevent the exposure of individual credit information and to perform a safer transaction, as compared with conventionally determining the transaction approval based on the card number / expiration date.

The invention can also be embodied as computer readable code on a computer readable recording medium. The computer-readable recording medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, and the like, which are also implemented in the form of a carrier wave (for example, transmission over the Internet). It also includes. The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

The best embodiments have been disclosed in the drawings and specification above. Although specific terms have been used herein, they are used only for the purpose of describing the present invention and are not used to limit the scope of the present invention as defined in the meaning or claims. Therefore, those skilled in the art will understand that various modifications and equivalent other embodiments are possible from this. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

 As described above, according to the present invention, the user does not need to carry a card separately by attaching an adapter to a terminal to be carried by the user and performing registration and approval of use based on the telephone number of the terminal. In addition, transaction settlement is performed only in the terminal at the time of registration in connection with the adapter, so if the authentication phone number registered in the adapter and the telephone number of the terminal in which the adapter is currently installed do not match, the transaction is not approved. Therefore, if the adapter is mounted on a terminal other than the one originally registered, or if either the adapter or the terminal is lost or stolen, it becomes impossible for another person to use it illegally.

In addition, the server calls the terminal equipped with the adapter to track the caller's telephone number and check whether it is the same as the registered telephone number, and whether or not the call with the registered telephone number is normally performed (whether it is in a suspended or terminated state). By frequently checking whether or not), the contents of the internal memory of the terminal can be tampered with and can be prevented from being used in a normal call state. On the other hand, it is not possible to check by calling a terminal from the server, but to check whether the terminal can make a normal call by attempting to make a call through the terminal, and this method is performed when the terminal is powered on. Alternatively, it is desirable to apply it when performing transaction approval with a transaction reader. This can further eliminate fraud by the adapter.

Claims (18)

A terminal connection unit connected to an input / output terminal of a terminal to transmit / receive data with the terminal; A wireless transceiver for transmitting and receiving data wirelessly with an external transaction reader; A data storage unit for storing a registered telephone number for transaction authentication; And When performing a transaction approval process while transmitting and receiving data with the external transaction reader, the terminal receives the telephone number of the terminal equipped with it through the terminal connection unit, and compares the received telephone number with the stored registration number for authentication. Including a control unit to approve a normal transaction The communication device for a transaction, characterized in that it is configured to be mounted on and detachable from the terminal and used for transaction approval while communicating with the external transaction reader. The method of claim 1, wherein the control unit And confirming whether the terminal is in a normal call state in order to approve a normal transaction. In the method of trading with the transaction reader using a communication device mounted on the terminal, Extracting a telephone number of a terminal equipped with the communication device from the communication device when a payment for a transaction is requested by the communication device; Comparing the extracted telephone number with an authentication telephone number stored and registered in the communication device; If they are identical to each other in the comparing step, approving a normal transaction and performing a transaction process; And If the transaction is approved in the normal transaction method comprising the step of performing a payment process for the transaction amount. The method of claim 3, wherein At least one of a telephone number of a terminal on which the communication apparatus is currently mounted, an authentication telephone number stored and registered in the communication apparatus, a caller's telephone number for the terminal to which data is transmitted, and a telephone number registered corresponding to the communication apparatus ID in the server. Checking whether the communication device is in a normal transaction state by comparing whether two are identical, and And confirming whether or not the terminal equipped with the communication device is in a normal call state. The method of claim 3, wherein the payment step comprises at least one of a prepaid, debit or postpaid method. 4. The method of claim 3, wherein in the payment step, when charging a telephone fee corresponding to the telephone number of the terminal or charging a card fee for the user's card number, the transaction is charged together. Transaction method using a communication device and a transaction reader. The communication device of claim 3, further comprising determining whether to approve a transaction for the communication device that has requested a transaction by including blacklist information on whether each communication device is available. And trading method using a transaction reader. delete delete In the method of checking the integrity of the communication device mounted on the terminal used for transactions, (a) the communication device transmitting its own communication device ID and an authentication telephone number stored in the communication device to the server through the telephone network; (b) the server extracts the caller's telephone number (i) for the terminal to which the data is transmitted, and then receives the authentication telephone number (i) received from the communication device. Comparing at least two of a caller's telephone number extracted from the server and a telephone number registered corresponding to the communication device ID at the server are the same; And and (c) if the telephone numbers are the same, indicating that the communication device is normal, otherwise error processing. The method of claim 10, wherein in the step (a), the communication apparatus extracts a phone number of the terminal on which it is mounted, and further transmits the extracted phone number to a server. Integrity checking method of a communication device for transactions characterized in that it is included as a comparison target in the server of the. delete delete Claims [1] A method for registering a communication device mounted on a terminal so as to be used for a transaction in association with the terminal. Mounting the communication device on the terminal and extracting a telephone number of the terminal equipped with the communication device; Transmitting the ID of the communication device and the extracted telephone number to a server; Extracting, from a server, a caller's telephone number for the terminal to which the data is transmitted; Confirming whether the extracted caller phone number is the same as the phone number received from the terminal; Registering the caller's telephone number as authentication information with a server corresponding to the communication device ID if the identification step is the same; The server transmitting the communication device ID and the authentication telephone number to the terminal through a telephone network; And And the communication device registering the received authentication telephone number as authentication information for its transaction. A control system for communicating with a terminal equipped with a communication device to perform registration and inspection of a communication device, An issuing unit for assigning a communication device ID to each communication device and registering the communication device ID in a memory and a communication device; Communication unit for transmitting and receiving data with the terminal; A registration unit for registering the telephone number of the terminal equipped with the issued communication device in a communication device and a memory; And At least two of the phone number of the terminal currently equipped with the communication device, the authentication phone number stored in the communication device, the caller's phone number for the terminal to which the data is transmitted, and the phone numbers registered corresponding to the communication device ID are the same. And a checker to check whether the registered communication device is mounted on a terminal corresponding to the registered phone number and checks whether a normal transaction is possible. delete delete A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 3-7, 10, 11, 14 on a computer.

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