KR100612725B1 - System and method for card settlement - Google Patents

Abstract

The present invention relates to a card payment system and a method for enabling a transaction with an EMV smart card using a non-EMV terminal that is pre-installed in a card merchant. The non-EMV-type terminal of the inter-communication configuration and mutually configured to read and write the customer's smart card pin pad type EMV terminal having an EMV function for delivering customer-related information to the terminal is further provided, the pin pad type The card payment system and method that enables transactions with the EMV smart card by the existing non-EMV type terminal system configuration through mutual communication between the smart card and the non-EMV terminal through the internal processing of the EMV terminal are the basic features of the technical configuration. do.

According to the present invention, it is possible to trade the EMV smart card even through the existing non-EMV terminal, and can use the infrastructure of the existing card payment system as it is, greatly reducing the cost of the new EMV system construction There is usefulness that can be.

Description

Card payment system and method {SYSTEM AND METHOD FOR CARD SETTLEMENT}             

1 is a schematic configuration diagram showing a card payment system according to the prior art.

Figure 2 is a block diagram showing a transaction flow of the magnetic card through the non-EMV terminal according to the prior art.

Figure 3 is a block diagram showing a transaction flow of the smart card through the EMV terminal according to the prior art.

Figure 4 is a block diagram showing a card payment system according to the present invention.

5 is a block diagram showing a transaction flow of the card payment system according to the present invention.

Explanation of symbols on the main parts of the drawings

110: bank or card company 120: card merchant

121: non-EMV terminal 121-1: credit check terminal (CAT)

121-2: POS terminal 130: intermediary communication network

140: pin pad type EMV terminal 2: EMV smart card

The present invention relates to a card payment system and method for a transaction with a smart card, and more specifically, it is possible to trade the EMV smart card while using the infrastructure (infra) of the existing non-EMV-type terminal as it is built The present invention relates to a card payment system and a method for reducing a system construction cost for a smart card transaction.

In general, card payment is a debit or credit card used to pay for cash on the purchase of goods or services.

The debit card is a payment method in which the price is directly transferred from the customer's bank account to the merchant's bank account through the terminal installed in the merchant when the goods or services are purchased. Therefore, the issuer is a bank and the bank must have an account to use this debit card.

The credit card is a card issued by a commercial or financial institution and a credit company to a certain qualified customer. The credit card is issued to a consumer by a vendor and a merchant that issues a card according to a contract signed in advance. It is a payment method through a certificate. This credit card is a system where the card issuer pays the member's payment for the purchase of goods or services to the merchant first, and then collects the prepaid payment from the member after a certain period of time.

The payment system of such a payment method card will be described in more detail with reference to FIGS. 1 to 3 as follows.

1 is a schematic configuration diagram showing a card payment system according to the prior art, the card payment system according to the prior art is largely the issuer of the card and the bank or card company 10 to determine whether to approve the card transaction, and the bank Or Credit Authorization Terminal (CAT) 21 and POS terminal [POST; Point Of Sale Terminal (Sales point of sale management device)] (22), etc., and the mediator that plays a role in acquiring the transaction between the card merchant (20) and the bank / card company (10) and the card merchant (20) Communication network [VAN; Value Added Network].

The credit inquiry terminal 21 or the POS terminal 22 owned by the card merchant 20 may be a non-EMV terminal 20-1 that can be used when trading a magnetic tape type contact magnetic card, and secured. It may also be an EMV terminal 20-2 that can be used in transactions for a contactless smart card with an IC chip having convenience and convenience.

Here, as a non-EMV terminal, a credit inquiry terminal generally means a general card inquiry device that has been used in the past, and a POS terminal as a non-EMV terminal can use a PC to manage sales details and customer information of affiliated stores at the point of sale. The EMV is an international standard for credit and debit transactions jointly enacted by card companies of Europay / MasterCard / Visa, and particularly means a standard for transactions using smart cards.

2 is a block diagram showing a transaction flow of a magnetic card through a non-EMV terminal according to the prior art.

When using the magnetic card (1) read the card number or expiration date, etc. in the credit inquiry terminal (21) or POS terminal (22), and other necessary information (amount or password, etc.) is entered into a full text message for requesting transaction approval 30) and received by the intermediary communication network (30) is to transmit the full text of the authorization request to the bank or card company (10).

The bank or card company 10 transmits the response message including the approval / rejection of the approval request text received from the intermediary communication network 30 to the intermediary communication network 30, and the intermediary communication network 30 transmits the response message again to the card merchant. (20) is sent to the credit inquiry terminal 21 or the POS terminal 22, and the customer's card payment is approved / rejected according to the approval / rejection of this response message, the transaction is made at the time of approval.

3 is a block diagram showing a transaction flow of a smart card through the EMV terminal according to the prior art.

When the EMV terminal 20-2 reads various information of the customer card through communication with the smart card 2 and other necessary information (amount or password) is input, the EMV terminal 20-2 is offline approved / offline. It decides what kind of transaction is requested from rejection / online and sends it to smart card (2).

The smart card 2 examines the request of the EMV terminal 20-2 and decides among offline approval / offline rejection / referral / online and responds to the EMV terminal.

The EMV terminal 20-2 performs offline approval / offline rejection / reply based on the response of the smart card 2 and transmits the transaction approval request message to the intermediary communication network 30 when online.

The intermediary communication network 30 transmits the transaction approval request message to the bank or card company 10, and the bank or card company 10 transmits the response message including whether to approve / reject the request to the intermediary communication network 30. At 30, the response message is transmitted back to the EMV terminal 20-2.

The EMV terminal 20-2 makes a final request to the smart card according to whether the response message has been approved / rejected. The smart card 2 finally reviews the request of the EMV terminal and responds with the approval / rejection. -2) to approve / decline the transaction according to the response of the smart card (2).

As described above, such a card payment system currently constitutes a system in which a magnetic card and a smart card exist at the same time. The current switch from the magnetic card to an IC chip embedded smart card showing excellent security, convenience, and information storage. It is rapidly being promoted around the world, and in Korea, it is pushing for a mandatory replacement to smart card by 2008.

However, when using a smart card as a credit / debit card according to the next-generation smart card international standard standard (EMV), it is necessary to have CAT and a level certification from EMVCo (certification authority that verifies and certifies the smart card specifications, hardware and software). EMV terminals such as POS should be newly applied. In addition, each model / operating system of the terminal must be approved by the EMVCo.

Therefore, the majority of card merchants that still use the existing non-EMV terminal has a problem that does not receive a smart card that is gradually being converted, the existing non-EMV type credit inquiry terminal (CAT ) And the POS terminal is a payment system to which the EMV terminal approved by EMVCo is applied.

In addition, the cost of replacing the card payment system with an EMV terminal for smart card transactions has a problem.

The present invention has been made in order to solve the above problems, the purpose of which is to enable the smart card transaction through the existing non-EMV type terminal by establishing the infrastructure (infra) of the existing card payment system Not only can it be used as it is, but it also provides a card payment system and method that can reduce the cost of building a new EMV system.

The card payment system of the present invention for achieving the above object is a card issuer and a bank or card company that determines whether to approve a card transaction, and a credit inquiry that is a non-EMV type terminal for customer card transactions of the bank or card company. In the card payment system including a card merchant owning a terminal (CAT) or POS terminal (POS), etc., and a medium communication network (VAN) that acts as an intermediary in accordance with the transaction approval between the bank / card company and the card merchant, It is configured to be configured to communicate with the non-EMV terminal of the card merchant mutually, but can be configured to include a pin pad type EMV terminal (PINPAD) that can read and write the customer's smart card and delivers the customer-related information to the terminal. It is done.

In addition, the card payment method of the present invention further comprises a pin pad type EMV terminal in a card payment system having a conventional non-EMV type terminal, and the existing non-existent non-EMV function through the internal processing of the pin pad type EMV terminal. It is characterized by enabling the transaction with the EMV smart card also by the EMV-type terminal system configuration.

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

4 is a block diagram showing a card payment system according to the present invention, Figure 5 is a block diagram showing a transaction flow of the card payment system according to the present invention.

As shown in Figures 4 and 5, the card payment system according to the present invention is a card issuing company and the bank or card company 110 to determine whether to approve the card transaction, and the customer card transaction of the bank or card company 110 For the non-EMV terminal 121, the Credit Authorization Terminal (CAT) 121-1 or the POS terminal [POST; Point of Sale Terminal (Sales Point Management Device)] (121-2) and the like, the card merchant 120, and the bank / card company 110 and the card merchant 120 and the mediating role in accordance with the transaction approval Intermediary communication network [VAN; Value Added Network] 130 and the non-EMV terminal 121 of the card merchant 120 are configured to communicate with each other, but the smart card 2 of the customer reads and writes (read / write). And a pin pad type EMV terminal [PIN (Personal Identification Number) Pad] 140 for transmitting customer related information to the terminal 121.

At this time, the pin-pad type EMV terminal 140 is approved by the level authentication for the transaction of the smart card (2) from the EMVCo, and has an EMV function, and includes a configuration that includes the customer identification and password input function Is done. Here, the identification of the customer may be modified by various factors such as fingerprint identification or body identification. In addition, the pin pad type EMV terminal 140 is a hardware means having a smart card and a connector for direct communication with a smart card and a non-EMV type terminal, and an EMV-based IC chip application mounted in the smart card; It consists of software means having an application for communication.

The smart card 2 is a card in which an IC chip compliant with the EMV standard (SPEC) and its application are embedded.

Referring to the operation and transaction flow of the card payment system according to the present invention made of such a configuration as follows.

The EMV smart card 2 is inserted into the card connector of the pin pad type EMV terminal 140 to read various information of the smart card and to input other information (amount or password) necessary for payment. At this time, even during this process, the pin pad type EMV terminal 140 continuously performs communication with the smart card 2.

The pin pad 140 that reads various information of the smart card determines the type of transaction request from offline approval / offline rejection / online and transmits it to the smart card 2.

The smart card 2 reviews the request of the pin pad 140 and decides among the offline approval / offline rejection / referral / online and responds to the pin pad 140.

The pin pad 140 performs offline approval / offline rejection / reply based on the response of the smart card 2, and transmits the transaction approval request message to the non-EMV terminal 121 of the card merchant 120 when the online is completed.

The non-EMV terminal 121 transmits the transaction approval request text received from the pin pad 140 to the intermediary communication network 130, and the intermediary communication network 130 transmits it to the corresponding bank or card company 110 and the corresponding bank or card company ( In 110), the response message including whether to approve / reject thereof is transmitted back to the intermediary communication network 130.

The intermediate communication network 130 transmits the response message to the non-EMV terminal 121, and the non-EMV terminal 121 transmits the response message to the pin pad 140.

The pin pad 140 makes a final request to the smart card according to whether or not the received response expert is approved / rejected, and the smart card 2 finally responds with the approval / rejection by reviewing the request of the pin pad, and the pin pad 140 is The transaction is approved / declined according to the response of the smart card 2.

In addition, the pin pad 140 may transmit the result to the non-EMV terminal 121 when printing a receipt, etc., and perform the operation thereof. The amount or password may be input and displayed on the pin pad. It can also be performed in an existing non-EMV terminal.

Therefore, the present invention can lead to the ease of conversion and cost reduction of the system for the transaction of the smart card because only one component of the pin pad type EMV terminal 140 needs to be approved, thereby improving the infrastructure of the existing non-EMV terminal system. Provides usefulness that can be used as is.

As described above, according to the card payment system and method according to the present invention, it is possible to trade the EMV smart card even through the existing non-EMV type terminal and can use the infrastructure (infra) of the existing card payment system as it is. This provides usefulness that can greatly reduce the cost of building a new EMV system.

In addition, in order to construct a new EMV system, each approval must be obtained from EMVCo for each model / operating system of the terminal. However, the present invention needs to obtain approval only for one component of the pin pad type EMV terminal. Will be provided.

Claims (3)

delete The credit card terminal (CAT) 121, which is a card issuer and is a non-EMV terminal 121, for a bank or card company 110 that determines whether or not to approve a card transaction, and the customer card transaction of the bank or card company 110. -1) or a mediator that plays a role in acquiring a transaction between a card merchant 120 that owns a POS terminal 121-2, and the bank / card company 110 and the card merchant 120. In the card payment system comprising a communication network (VAN) (130), It is connected to the non-EMV terminal 121 of the card merchant 120 is configured to communicate directly, and can read and write the contactless EMV smart card (2) of the customer, the customer-related information to the non-EMV terminal 121 Pinpad type EMV terminal (PINPAD) (140) is further configured to deliver, The pin pad type EMV terminal 140 reads information of the contactless EMV smart card 2 and includes hardware means including a card connector for direct communication with the smart card and the non-EMV terminal 121; Card payment system, characterized in that the software means having an application for communication with the EMV-based IC chip application mounted in the EMV smart card (2). The pin pad type EMV terminal 140 reads various types of information of the smart card from the EMV smart card 2 inserted in the card connector or inputs various types of information into the smart card; The pin pad type EMV terminal 140 determines a transaction type from offline approval / rejection / reply or online and transmits the transaction type to the EMV smart card (2); The pin pad type EMV terminal 140 receiving a corresponding transaction type determined from an EMV smart card 2; The pin pad type EMV terminal 140 performs offline approval / rejection / reply according to the corresponding transaction type received from the EMV smart card (2), and when the online transaction is complete, the card approval store 120 Transmitting to the non-EMV terminal 121; The non-EMV terminal 121 transmits the transaction approval request text received from the pin pad type EMV terminal 140 to the corresponding bank or card company 110 through the intermediary communication network 130, and the transaction is performed at the bank or card company 110. Retransmitting the response message including whether to approve / reject to the intermediate communication network 130; The intermediate communication network 130 transmits the received response message to the pin pad type EMV terminal 140 through the non-EMV terminal 121, and The pin-pad type EMV terminal 140 makes a final request to the EMV smart card (2) according to the received transaction approval / rejection of the transaction response to the final transaction approval / rejection response reviewed by the EMV smart card (2) Card payment method comprising the step of approving / rejecting the transaction according to.

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