KR100727788B1 - Card inquiry system of using low speed and low power wireless communication technology - Google Patents

Abstract

The present invention performs at least one or more of a financial processing function including a card inquiry processing function, a card payment processing function, an electronic signature processing function, a cash receipt registration processing function, and a check inquiry processing function as communicating in a low speed and low power wireless communication method. A plurality of wireless card inquiry machines; The wireless card lookup device communicates with the low speed and low power wireless communication method, and communicates with at least one financial van server on the network using an internet communication method. Register and store the IP addresses of the at least one financial VAN server, receive a financial processing request message in a low speed and low power wireless communication format from the plurality of wireless card inquiry machines, and convert the request message into an internet communication format; The converted request message is transferred to the corresponding financial VAN server using the pre-stored IP address of the financial VAN server, and the response message received from the financial VAN server in response to the request message is converted into a low speed and low power wireless communication format. Sent to wireless card lookup It provides a low-power in a wireless communication / internet card inquiry system configured to include a communication converter.

Low-Speed, Low-Power Wireless Communications, ZigBee, Card Finder

Description

Card inquiry system of low speed and low power wireless communication technology {Card inquiry system of using low speed and low power wireless communication technology}

1 is a schematic block diagram of a conventional card inquiry system;

2 is a schematic block diagram of another example of a conventional card inquiry system;

3 is a block diagram of a card inquiry system using a low speed low power wireless communication method according to an embodiment of the present invention;

4 is a block diagram of the wireless card inquiry terminal shown in FIG.

FIG. 5 is a block diagram of a low speed low power radio access terminal shown in FIG. 3;

6 is a block diagram of a computer terminal shown in FIG. 3;

7 is a block diagram of a card inquiry system using a low speed low power wireless communication method according to another embodiment of the present invention;

8 is a block diagram of a card lookup system using a low speed and low power wireless communication method according to another embodiment of the present invention;

FIG. 9 is a block diagram of a low-speed low-power wireless access modem for card lookup shown in FIG. 8.

<Explanation of symbols for the main parts of the drawings>

10: card 20: card inquiry terminal

30: communication network 40: van server system

50_1 ~ 50_n: Wireless card inquiry terminal

60: wired card inquiry terminal 100_1 ~ 100_n: wireless card inquiry terminal

110: card reader 120: memory

130: control unit 140: low speed low power wireless communication module

150: key input unit 160: print driver

170: print mechanism 200: low speed low power wireless access terminal

210: low speed low power wireless communication module 220: key input unit

230: control unit 240: memory

250: Serial communication module 260: Serial communication port

300: computer terminal 310: serial communication port

320: serial communication module 330: input unit

340: memory 350: control unit

360: storage medium 370: Ethernet communication module

380: Ethernet communication port 400: communication modem

500: POS terminal 600: low speed low power wireless access modem

610: low speed low power wireless communication module 620: key input unit

630: memory 640: control unit

650: communication modem module 660: communication port

The present invention relates to a card inquiry system, and more particularly, credit card inquiry processing function, card payment processing function, electronic signature processing function, cash receipt registration processing function and check inquiry processing function using a low-speed low-power wireless communication method It relates to a card lookup system that can be easily implemented in a communication network.

The conventional card inquiry system is provided with a wired or wireless card inquiry machine 20 at a merchant that makes a card payment, such as a credit card, as shown in FIG. Regarding (10), the van server system 40 in charge of the corresponding processing is requested via the wired or wireless communication network 30 for inquiry / payment processing.

Here, the wired card lookup device has a problem in mobility because it must be connected to a wired communication network, and the wireless card lookup device has a problem in that a high communication fee is added because it is excellent in mobility but is connected to a CDMA network.

In addition, as shown in FIG. 2, the slave wireless card lookup device 50_1 to 50_n and the slave wireless card lookup device 50_1 to 50_n incorporating a Bluetooth module or a wireless LAN module are conventionally used as a Bluetooth or wireless LAN. A card lookup system has also been introduced that has a master wired card lookup device 60 that can communicate in a manner and connectable to a van server system 40 through a wired communication network 30.

However, the Bluetooth card and the WLAN card query have a problem that the Bluetooth module and the wireless LAN module are expensive and have high power consumption, and in the case of the Bluetooth method, only a few devices are connected to a single network due to the problem of expanding the number of nodes. There is a problem that can not be used when you want to configure more than one device in a network because it can not be configured.

The present invention has been made to solve the above-described problems, credit card inquiry processing function, card payment processing function, electronic signature processing function, cash receipt registration processing function and check inquiry processing function, using a low-speed low-power wireless communication method The purpose of the present invention is to provide a card lookup system using a low-speed low-power wireless communication method that can be implemented at low cost by combining with a device that can be connected to the existing Internet network.

Card lookup system using a low speed low power wireless communication method according to the present invention for achieving the above object, the card inquiry processing function, card payment processing function, electronic signature processing function, cash receipt registration as a low-speed low power wireless communication method A plurality of wireless card inquiries that perform at least one of a financial processing function including a processing function and a check inquiry processing function; The low frequency and low power wireless communication with the plurality of wireless card inquiries and the at least one financial van server on the network to communicate by the Internet communication method, the unique identification code of the plurality of wireless card inquiries and the Registering and storing IP addresses of at least one financial VAN server, receiving a financial processing request message in a low speed and low power wireless communication format from the plurality of wireless card inquiry machines, and converting the request message into an internet communication format. The converted request message is transferred to the corresponding financial VAN server using the pre-stored IP address of the financial VAN server, and the response message received from the financial VAN server in response to the request message is converted into a low speed and low power wireless communication format. Low speed transmitting to wireless card lookup Characterized in that it comprises a low-power wireless communication / Internet communication converter.

Here, the low speed low power wireless communication / Internet communication conversion apparatus, and a plurality of low speed low power wireless access terminal constituting a communication network by the plurality of wireless card query terminal and the low speed low power wireless communication method; The low-speed low-power wireless access terminal communicates with the wired serial communication method. The request from the low-speed low-power wireless access terminal is software-processed by a dedicated program to communicate with the financial VAN server through an internet communication modem. A personal computer terminal; And a communication modem for internet communication between the computer terminal and the financial VAN server.

In addition, the low-speed low-power wireless communication / Internet communication conversion apparatus, the low-speed low-power wireless communication module for performing communication by the low-speed low-power wireless communication scheme with the wireless card query terminal; A unique identification code for the operation program of the Internet communication modem and the wireless card inquiry terminal managed by the user is registered and stored, and the IP address of the financial VAN server is registered and stored, and received from the wireless card inquiry terminal which is a lower device. A memory for temporarily storing the information and information received from the VAN server which is the upper device; A key input unit including various function keys and configured to perform key input for performing various functions by a user; A communication modem module for converting a data format of a low speed low power wireless communication method into an internet communication format and outputting the data format to a financial VAN server through a communication port; Controlling the entire modem to control the transmission of the financial processing request message received from the wireless card inquiry terminal through the Internet, and the wireless financial processing response message for the financial processing request message received from the financial VAN server. It comprises a control unit for controlling to transmit to the card inquiry terminal.

Hereinafter, a card inquiry system using a low speed and low power wireless communication method according to a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings.

Recently, Ubiquitous has been introduced as an information and communication environment in which a user can freely access a network regardless of a network or a computer. If ubiquitous, this technology can be used in homes, cars, and even on top of mountains. However, in order to achieve ubiquitous network, advancement of information technology such as generalization of broadband communication and convergence technology, and low price of information technology equipment should be premised. Ubiquitous is not yet common due to these limitations, but there is a global development competition not only because of portability and convenience, but also because of the advantages of being able to access the network anywhere and anytime.

Along with this ubiquitous, the introduction of low-speed low-power wireless communication standard is slowly emerging as the next generation short-range wireless communication to replace Bluetooth. Low-speed, low-power wireless communication is a technology suitable for the ultra-small, low-power, low-cost market that requires simple functions, and is expected to replace power line communication, which has been delayed by standards, and Bluetooth, which is becoming less commercially available. Low speed and low power wireless communication method is applied to home network field such as home automation.

The low-speed low-power wireless communication method is an IEEE 802.15.4 standard supporting near field communication, and is a technology for near field communication and ubiquitous computing within a few m to 1 km in wireless networking fields such as homes and offices. An example of such a low speed and low power wireless communication method is a ZigBee communication method, which transmits data at a rate of 250 Kbps within a radius of 1 km, and a mesh network structure allows tens of thousands of devices in a wireless network. Can be connected. It is also economical and easy to manage because it can be used for months to years with only two AA alkaline batteries used in real life. Unlike other wireless communication technologies, the low-speed low-power wireless communication method consumes less power and enables low-cost products to be applied to various ubiquitous environments such as intelligent home network, building and industrial device automation, logistics, environmental monitoring, human interface, telematics, and military. Can be.

3 is a block diagram of a card lookup system using a low speed low power wireless communication method according to an embodiment of the present invention.

The card inquiry system using the low speed and low power wireless communication method according to the present embodiment communicates using a low speed and low power wireless communication method between a computer terminal and a portable wireless card inquiry terminal in which a communication modem connected to the Internet is integrated and integrated. And communication with a van server system via a communication modem for signal processing such as card inquiry received from a wireless card inquiry machine.

The card inquiry system using the low speed low power wireless communication method according to the present embodiment includes a plurality of wireless card inquiry terminals 100_1 to 100_n equipped with a low speed low power wireless communication module; A low speed low power wireless access terminal 200 constituting a communication network by the plurality of wireless card inquiry terminals 100_1 to 100_n and a low speed low power wireless method; The low speed low power wireless access terminal 200 is configured to communicate with a wired serial communication method, and the inquiry request from the low speed low power wireless access terminal 200 is software-processed by a dedicated program to process the communication modem 400. And a general purpose personal computer terminal 300 adapted to communicate with a van server system 40 via a PC. Here, the low speed low power wireless communication method may be a ZigBee communication method, and the communication modem 400 may be an XDSL type modem or a cable modem.

As shown in FIG. 4, the wireless card inquiry terminal 100_1 to 100_n includes a card reader 110 for reading information from a card medium 10 such as a credit card or a debit card in a contact or contactless manner. ; An operating program including a control program of the terminal and a unique identification code of the corresponding terminal are stored, and the information read from the card reader unit 110 is temporarily stored, and at the same time, the low-speed low-power wireless access terminal 200 is an upper device. A memory 120 for temporarily storing the received information; A low speed low power radio communication module 140 for performing communication with the low speed low power radio access terminal 200 according to the control of the control unit 130 by a low speed low power radio method; A key input unit 150 having keys for inputting numbers and characters and various function keys, and for inputting numbers and characters by the user or performing key input for performing various functions; A print driver 160 for printing a receipt or the like through the print mechanism 170 under the control of the control unit 130; A display driver 180 for displaying various screens through the display 190 under the control of the control unit 130; It is configured to include a control unit 130 for performing the overall control operation. Here, the control unit 130 is preferably configured to encrypt the data transmitted through the low-speed low-power wireless communication module 140.

As shown in FIG. 5, the low speed low power wireless access terminal 200 communicates with the wireless card inquiry terminals 100_1 to 100_n by a low speed low power wireless communication method as shown in FIG. 5. A low speed low power wireless communication module 210; A unique identification code for an operating program including a control program of a terminal and a wireless card inquiry terminal 100_1 to 100_n managed by the terminal is stored and received from the wireless card inquiry terminal 100_1 to 100_n, which is a lower device. A memory 240 for temporarily storing one information and the information received from the computer terminal 300 which is a higher level device; A key input unit 220 having various function keys and configured to perform key input for performing various functions by a user; Under the control of the control unit 230, a low-speed, low-power wireless communication data format (eg, a Zigbee data format) is converted into a serial data format, for example, a USB communication method or an IEEE-1394 communication method. Serial communication module 250 for transmitting to the computer terminal 300 through the; It is configured to include a control unit 230 for controlling the overall terminal. Here, the low speed low power wireless communication method may be a Zigbee communication method, and the control unit 230 encrypts data transmitted through the low speed low power wireless communication module 210 and data transmitted through the serial communication module 250. It is desirable to be treated.

In addition, as shown in FIG. 6, the computer terminal 300 is connected to the low-speed low-power wireless access terminal 200 and the serial communication port 310 through, for example, a USB communication scheme under the control of the control unit 350. Or a serial communication module 320 for serial data communication of the IEEE-1394 communication method; For example, a hard disk such that a dedicated application program is stored between the low-speed low-power wireless access terminal 200 and the VAN server 40 so as to perform data communication through the communication modem 400, for example, over the Internet. Medium 360; When the computer is booted under the control of the control unit 350, an operating program including a control program of the computer terminal is loaded and stored, and a dedicated application program stored in the storage medium 360 is loaded and stored with the booting. Memory 340 for temporarily storing information received from the low-speed low-power wireless access terminal 200, which is a lower device, and information received from the VAN server 40, which is an upper device, under the control of the application program. Wow; A key input unit 330 which is provided with various keys and performs key input for performing various functions by a user, for example, a general keyboard; The control unit 350 converts the data format of the serial data communication method received from the low speed low power wireless access terminal 200 under the control of the application into the data format of the Ethernet communication method and communicates through the Ethernet communication port 380. Ethernet communication module 370 which is a typical LAN card for transmission to the modem 400; For example, the control unit 350, which is a general computer MCU that performs control of the entire terminal, is configured.

Here, the dedicated application program may be stored in a compact disk and provided by the manufacturer of the system, or may be downloaded and installed by accessing the Internet homepage of the system manufacturer. This dedicated application program is preferably configured to encrypt data transmitted through the Ethernet communication module 370 and data transmitted through the serial communication module 320.

Meanwhile, a procedure for registering and deregistering the unique identification codes of the wireless card inquiry terminals 100_1 to 100_n with the low speed low power wireless access terminal 200 is required, which may be performed as follows.

First, an example of a procedure of registering a unique identification code of the wireless card inquiry terminals 100_1 to 100_n with the low speed low power wireless access terminal 200 is as follows.

That is, the unique identification of the key input unit installed in the wireless card inquiry terminal 100_1 in a state where the wireless card inquiry terminal (for example, 100_1) to which the unique identification code is registered is close to the low speed low power wireless access terminal 200. The code registration key is operated, and the wireless card inquiry terminal registration key installed in the low speed low power radio access terminal 200 is operated. Accordingly, the control unit 130 of the wireless card inquiry terminal 100_1 reads its own identification code stored in the memory 120 to generate a unique identification code registration request message and then slows down the registration request message. It transmits to the antenna through the low power wireless communication module 140.

The unique identification code registration request message is received by the low speed low power wireless communication module 210 through the antenna of the low speed low power wireless access terminal 200 and transmitted to the control unit 230, the control unit 230 is a new Recognizing that there is a unique identification code registration request of the wireless card inquiry terminal 100_1, and extracts the unique identification code included in the received unique identification code registration request message is stored in the unique identification code storage area of the memory 240 .

Thereafter, the control unit 230 of the low speed low power wireless access terminal 200 generates a unique identification code registration completion message and transmits it to the antenna through the low speed low power wireless communication module 210. Accordingly, the unique identification code registration completion message is received by the low-speed low-power wireless communication module 140 through the antenna of the wireless card inquiry terminal 100_1 and transmitted to the control unit 130, the control unit 130 is Normally, it is recognized that its own unique identification code is registered in the low speed low power wireless access terminal 200.

Next, an example of a procedure for deregistering the unique identification codes of the wireless card inquiry terminals 100_1 to 100_n from the low speed low power wireless access terminal 200 is as follows.

That is, in a state where the wireless card inquiry terminal (for example, 100_1) to which the unique identification code is to be deregistered is close to the low speed low power wireless access terminal 200, the unique key input unit installed in the corresponding wireless card inquiry terminal 100_1. The identification code deregistration key is operated, and the wireless card inquiry terminal deregistration key installed in the low speed low power wireless access terminal 200 is operated. Accordingly, the control unit 130 of the wireless card inquiry terminal 100_1 reads its own identification code stored in the memory 120 to generate a unique identification code registration release request message and then generates the registration release message. It transmits to the antenna through the low speed low power wireless communication module 140.

As the unique identification code registration release request message is received by the low speed low power wireless communication module 210 through the antenna of the low speed low power wireless access terminal 200 and transmitted to the control unit 230, the control unit 230 is Recognizing that there is a unique identification code deregistration request of the existing wireless card inquiry terminal (100_1), and extracts the unique identification code included in the received unique identification code deregistration request message and the same unique identification code as the extracted unique identification code Is deleted from the unique identification code storage area of the memory 240.

Thereafter, the control unit 230 of the low speed low power radio access terminal 200 generates a unique identification code deregistration complete message and transmits the generated unique message to the antenna through the low speed low power wireless communication module 210. Accordingly, the unique identification code registration completion message is received by the low-speed low-power wireless communication module 140 through the antenna of the wireless card inquiry terminal 100_1 and transmitted to the control unit 130, the control unit 130 Normally, it will recognize that its unique identification code has been deregistered from the low speed low power wireless access terminal 200.

Next, a procedure of performing a credit card payment using a wireless card inquiry terminal in a card inquiry system using a low speed and low power wireless method according to an embodiment of the present invention configured as described above will be described. In the present specification, for the sake of simplicity of explanation, the present invention will be described by way of example only for credit card payment. In addition, the present invention may also perform credit card inquiry processing, digital signature processing, cash receipt registration processing, and check inquiry processing.

First, when a user performs an operation for reading the credit card from the wireless card inquiry terminal 100_1 when the customer requests the payment of the credit card 10, the card reader 110 reads the information of the credit card 10. As the information is transmitted to the control unit 130, the corresponding information of the control unit 130 is temporarily stored in the memory 120. Thereafter, when the payment amount is input through the key input unit 150 and the payment processing request key is manipulated, the key input signal is transmitted to the control unit 130, so that the control unit 130 stores the corresponding credit card information. And encrypting the keyed card payment information, generates a card payment request message including the encrypted credit card information and the card payment information and its own unique identification code, and encrypts it to the low speed low power wireless communication module 140. To pass. Accordingly, the low speed low power wireless communication module 140 converts the card payment request message into the low speed low power wireless communication format according to the low speed low power wireless communication protocol and transmits the same through the antenna.

Thereafter, when the card payment request message is received by the low speed low power wireless communication module 210 through the antenna of the low speed low power wireless access terminal 200, the low speed low power wireless communication module 210 receives the received low speed low power wireless communication format. After decoding the message signal in the general data format, the decoded card payment request message is transmitted to the control unit 230. Accordingly, the control unit 230 extracts the identification code of the corresponding wireless card inquiry terminal included in the card payment request message and confirms whether the extracted identification code is stored in the memory 240. Here, if the extracted identification code is not stored in the memory 240, the card payment request message is discarded because the destination is not itself, whereas if the extracted identification code is stored in the memory 240 The card payment request message is transmitted to the serial communication module 250. Accordingly, the serial communication module 250 converts the card payment request message into a data format of a corresponding serial communication method (for example, USB communication method or IEEE-1394 communication method), and then converts the serial communication port 260 into a data format. Through the transmission to the computer terminal 300.

Subsequently, when the card payment request message is received by the serial communication module 320 of the computer terminal 300 through the serial communication port 310, the serial communication module 320 receives the card payment request message of the received serial communication format. After decoding the signal into the internal data format of the corresponding computer terminal, the decoded card payment request message is transmitted to the control unit 350. Accordingly, the control unit 350 monitors the reception of the message from the serial communication module 320 while the dedicated application program encrypts the corresponding card payment request message as the card payment request message is received. Along with the encrypted card payment request message, the IP address of the pre-stored VAN server 40 is transmitted to the Ethernet communication module 370. Accordingly, the Ethernet communication module 370 transmits the card payment request message destined for the IP address of the VAN server 40 to the communication modem 400 through the Ethernet communication port 380, whereby the corresponding card payment request message is received. The communication modem 400 is transmitted to the VAN server 40 through the communication network 30.

Thereafter, a card payment approval message for the corresponding card payment request message is generated from the VAN server 40 and is transmitted through the Ethernet communication port 380 of the computer terminal 300 via the communication network 30 and the communication modem 400. When the Ethernet communication module 370 is reached, the Ethernet communication module 370 decodes the card payment approval message into an internal data format of the corresponding computer terminal, and then decodes the decoded card payment approval message to the control unit 350. To pass. Accordingly, the control unit 350 monitors the reception of the message from the Ethernet communication module 370 by a dedicated application program, and receives the corresponding card payment approval message as the card payment approval message is received. The serial communication module 320 converts the card payment approval message into a data format of a corresponding serial communication method (for example, a USB communication method or an IEEE-1394 communication method), and then the serial communication port 310. ) To the low speed low power wireless access terminal 200.

Subsequently, when the card payment approval message is received by the serial communication module 250 of the low speed low power wireless access terminal 200 through the serial communication port 260, the serial communication module 250 receives the received serial communication method (eg For example, the card payment approval message of the USB communication method or the IEEE-1394 communication method) data format is converted into the internal data format and then transferred to the control unit 230. Accordingly, the control unit 230 transmits the card payment approval message to the low speed low power wireless communication module 210, and the low speed low power wireless communication module 210 transmits the card payment approval message to the low speed low power wireless communication data format. After converting to, transmit through the antenna.

Thereafter, the low-speed low-power wireless communication module 140 of the wireless card terminal 100_1 receiving the card payment approval message converts the message into an internal data format and transmits the message to the control unit 130. Accordingly, the control unit ( The control unit 130 controls the display driver 180 to display on the display 190 that the card payment approval for the credit card 10 has been made, and at the same time, the print driver 160 controls the card driver for the card payment. The card sales slip is printed out by the print mechanism 170.

As described above, in an embodiment of the present invention, a low speed low power wireless communication method is adopted between the wireless card inquiry terminal and a low speed low power wireless access terminal, and a serial communication method is adopted between the low speed low power wireless access terminal and a computer terminal that can access the Internet. In addition, by using a wireless card inquiry terminal to enable communication with the VAN server through the Internet it is possible to implement a card inquiry system at a low cost.

7 is a block diagram of a card lookup system using a low speed and low power wireless method according to another embodiment of the present invention. This embodiment differs from the embodiment of FIG. 3 in that it uses a POS terminal that can be connected to the Internet through a communication modem instead of a computer terminal. The low-speed and low-power radio is provided between the wireless card inquiry terminal and the low-speed low-power wireless access terminal. By adopting a communication method and a serial communication method between the low speed and low power wireless access terminal and the POS, a card inquiry system can be implemented at a low cost by allowing a wireless card inquiry terminal to communicate with a VAN server through the Internet.

In the system according to the present embodiment, a configuration for communication with the low speed low power wireless access terminal 200 in the POS terminal 500 may use a communication standard by a serial communication module and a communication port supported by the corresponding POS terminal 500. In addition, a corresponding application program for communicating with the low-speed low-power wireless access terminal 200 and the VAN server 40 should be installed in the corresponding POS terminal 500, and the dedicated application program is a serial of the POS terminal 500. It can be installed while updating the firmware of the POS system 500 through the communication port, and can also be downloaded and installed with the firmware of the POS system 500 by accessing the Internet homepage of the system manufacturer.

On the other hand, the operation of the card inquiry system according to another embodiment of the present invention shown in Figure 7 is substantially the same as the embodiment of Figure 3 described above will be omitted.

8 is a block diagram of a card lookup system using a low speed and low power radio system according to another embodiment of the present invention, and FIG. 9 is a block diagram of a card lookup low power and low power wireless access modem shown in FIG. 3 and 7 do not use a computer terminal and a POS terminal, and extract only essential components of the low speed low power wireless access terminal 200 and the communication modem 400. A low speed low power wireless access modem 600, and a low speed low power wireless communication method is adopted between the wireless card inquiry terminals 100_1 to 100_n and the low speed low power wireless access modem 600, and the low speed low power wireless access modem 600 The VAN server 40 employs the existing Internet access communication method (XDSL modem communication method or cable modem communication method), and enables communication with the VAN server via the Internet using a wireless card inquiry terminal, thereby allowing a card at low cost. We have implemented a lookup system.

As shown in FIG. 9, the low speed low power radio access modem 600 performs low speed low power communication with the wireless card inquiry terminals 100_1 to 100_n by a low speed low power wireless method under the control of the control unit 640. A wireless communication module 610; The operating program including a control program of a modem and a unique identification code for a wireless card inquiry terminal managed by the user are registered and stored, and the IP address of the VAN server 40 is registered and stored, and the wireless card is a lower device. A memory 630 for temporarily storing information received from the inquiry terminal and information received from the VAN server 40, which is a higher level device; A key input unit 620 having various function keys and configured to perform key input for performing various functions by a user; A communication modem module 650 for converting a data format of a low speed low power wireless communication method to an Ethernet method under the control of the control unit 640 and outputting it through the communication port 660; It is configured to include a control unit 640 to perform the control of the overall modem. Here, the low speed low power wireless communication method may be a Zigbee communication method, and the control unit 640 encrypts data transmitted through the low speed low power wireless communication module 610 and data transmitted through the communication modem module 650. It is desirable to be treated.

Here, a procedure for registering and deregistering the unique identification codes of the wireless card inquiry terminals 100_1 to 100_n with the low speed low power wireless access modem 600 is required, which is necessary for the wireless card inquiry terminals 100_1 to 100_n. The unique identification code may be implemented by the same method as the procedure of registering and deregistering the low-speed low-power wireless access terminal 200.

Next, a procedure of performing a credit card payment using a wireless card inquiry terminal in a card inquiry system using a low speed and low power radio method according to another embodiment of the present invention configured as described above will be described.

First, when a user performs an operation for reading the credit card from the wireless card inquiry terminal 100_1 when the customer requests the payment of the credit card 10, the card reader 110 reads the information of the credit card 10. As the information is transmitted to the control unit 130, the corresponding information of the control unit 130 is temporarily stored in the memory 120. Thereafter, when the payment amount is input through the key input unit 150 and the payment processing request key is manipulated, the key input signal is transmitted to the control unit 130, so that the control unit 130 stores the corresponding credit card information. And encrypting the keyed card payment information, generates a card payment request message including the encrypted credit card information and the card payment information and its own unique identification code, and encrypts it to the low speed low power wireless communication module 140. To pass. Accordingly, the low speed low power wireless communication module 140 converts the card payment request message into the low speed low power wireless communication format according to the low speed low power wireless communication protocol and transmits the same through the antenna.

Thereafter, when the card payment request message is received by the low speed low power wireless communication module 610 through the antenna of the low speed low power wireless access modem 600, the low speed low power wireless communication module 610 may receive the received low speed low power wireless communication format. After decoding the message signal into the internal data format, the decoded card payment request message is transmitted to the control unit 640. Accordingly, the control unit 640 monitors the reception of the message from the communication module 610, and receives the identification code of the corresponding wireless card inquiry terminal included in the card payment request message as the card payment request message is received. The extraction checks whether the extracted identification code is stored in the memory 630. Here, if the extracted identification code is not stored in the memory 630, the card payment request message is discarded because the destination is not itself, whereas the extracted identification code is stored in the memory 630. After encrypting the card payment request message, the IP address of the pre-stored VAN server 40 together with the encrypted card payment request message is transmitted to the communication modem module 650. Accordingly, as the communication modem module 650 outputs the card payment request message destined for the IP address of the VAN server 40 to the communication port 660, the corresponding card payment request message is transmitted to the VAN server through the communication network 30. 40 is sent.

Thereafter, a card payment approval message for the corresponding card payment request message is generated from the VAN server 40 to communicate with the communication modem module through the communication port 660 of the low speed low power wireless access modem 600 via the communication network 30. When reaching 650, the communication modem module 650 decodes the corresponding card payment approval message into the internal data format of the low speed low power wireless access modem 600, and then controls the decoded card payment approval message to the control unit 640. To pass). Accordingly, the control unit 640 monitors the reception of the message from the communication modem module 650 by a dedicated application program, and then receives the corresponding card payment approval message as the low speed low power wireless communication module. In operation 610, the low speed low power wireless communication module 610 converts the card payment approval message into a low speed low power wireless communication data format and transmits the data through an antenna.

Thereafter, the low-speed low-power wireless communication module 140 of the wireless card terminal 100_1 receiving the card payment approval message converts the message into an internal data format and transmits the message to the control unit 130. Accordingly, the control unit ( The control unit 130 controls the display driver 180 to display on the display 190 that the card payment approval for the credit card 10 has been made, and at the same time, the print driver 160 controls the card driver for the card payment. The card sales slip is printed out by the print mechanism 170.

As described above, in another embodiment of the present invention, a low speed low power wireless communication method is employed between the wireless card inquiry terminals 100_1 to 100_n and the low speed low power wireless access modem 600, and the low speed low power wireless access modem 600 and the VAN server are used. Between 40, by using the Internet communication method, it is possible to implement a card inquiry system at a low cost by enabling communication with the VAN server through the Internet using a wireless card inquiry terminal.

On the other hand, in the above specific embodiment, only for the sake of simplification of the description will be described by way of example only for credit card payment, the present invention in addition to other credit card processing, electronic signature processing, cash receipt registration processing and check inquiry processing, etc. In this case, the network server performing the processing may be different in response to each processing, and the IP address of the network server corresponding to each processing is carried by the computer terminal, the POS terminal, and the low speed low power wireless access modem. If so, other financial processing is possible by using the low-speed low-power wireless card inquiry terminal similar to the above credit card payment processing.

On the other hand, the present invention is not limited to the above-described specific embodiments, but can be modified and modified in various ways within the scope not departing from the gist of the present invention, the modifications and modifications in the appended claims If included, it is obvious that it belongs to the present invention.

As described above, according to the present invention, a credit card inquiry processing function, a card payment processing function, an electronic signature processing function, a cash receipt registration processing function, and a check inquiry processing function using a low-speed, low-power wireless card inquiry terminal, It can be implemented at low cost in combination with a device that can be connected to the Internet network, there is also an advantage that is not limited by the number of wireless card set terminals.

If the card inquiry system according to the present invention is installed in a large discount mart or a large shopping mall, the card payment at each store is possible using a wireless card inquiry terminal of a low-power, low-power wireless method of tens to hundreds of devices even with one Internet-accessible terminal. Financial processing services such as processing can be implemented at low cost.

Claims (8)

delete A plurality of radios performing at least one of a financial processing function including a card inquiry processing function, a card payment processing function, an electronic signature processing function, a cash receipt registration processing function, and a check inquiry processing function as a communication using a low speed and low power wireless communication method. A card checker; The low frequency and low power wireless communication with the plurality of wireless card inquiries and the at least one financial van server on the network to communicate by the Internet communication method, the unique identification code of the plurality of wireless card inquiries and the Registering and storing IP addresses of at least one financial VAN server, receiving a financial processing request message in a low speed and low power wireless communication format from the plurality of wireless card inquiry machines, converting the request message into an internet communication format, and then converting the request message. Transfers the requested message to the corresponding financial VAN server using the pre-stored IP address of the financial VAN server, converts the response message received from the corresponding financial VAN server into a low speed low power wireless communication format in response to the requested message Low speed sending to card checker Including low power wireless communication / Internet communication converter, The low speed low power wireless communication / Internet communication converter, One low speed low power radio access terminal constituting a communication network by the plurality of radio card inquiry terminals and a low speed low power radio method; The low-speed low-power wireless access terminal communicates with the wired serial communication method. The request from the low-speed low-power wireless access terminal is software-processed by a dedicated program to communicate with the financial VAN server through an internet communication modem. A personal computer terminal; And a communication modem for internet communication between the computer terminal and the financial VAN server. A plurality of radios performing at least one of a financial processing function including a card inquiry processing function, a card payment processing function, an electronic signature processing function, a cash receipt registration processing function, and a check inquiry processing function as a communication using a low speed and low power wireless communication method. A card checker; The low frequency and low power wireless communication with the plurality of wireless card inquiries and the at least one financial van server on the network to communicate by the Internet communication method, the unique identification code of the plurality of wireless card inquiries and the Registering and storing IP addresses of at least one financial VAN server, receiving a financial processing request message in a low speed and low power wireless communication format from the plurality of wireless card inquiry machines, converting the request message into an internet communication format, and then converting the request message. Transfers the requested message to the corresponding financial VAN server using the pre-stored IP address of the financial VAN server, converts the response message received from the corresponding financial VAN server into a low speed low power wireless communication format in response to the requested message Low speed sending to card checker Including low power wireless communication / Internet communication converter, The low speed low power wireless communication / Internet communication converter, One low speed low power radio access terminal constituting a communication network by the plurality of radio card inquiry terminals and a low speed low power radio method; The low-speed low-power wireless access terminal communicates with the wired serial communication method. The request from the low-speed low-power wireless access terminal is software-processed by a dedicated program to communicate with the financial VAN server through an internet communication modem. A POS terminal; And a communication modem for internet communication between the POS terminal and the financial VAN server. The method according to claim 2 or 3, The wireless card inquiry terminal, A card reader unit for reading information from the card medium in a contact or contactless manner; An operating program including a control program of the terminal and a unique identification code of the terminal are stored, and the information read from the card reader unit is temporarily stored, and the information received from the low-speed low-power wireless access terminal, which is an upper device, is temporarily stored. Memory to; A low speed low power wireless communication module for performing communication by a low speed low power wireless access terminal and a low speed low power wireless method according to a control of the control unit; A key input unit having keys for inputting numbers and characters and various function keys, and for inputting numbers and characters by the user or performing key input for performing various functions; A print driver for printing a receipt through a print mechanism under the control of the control unit; A display driver for displaying various screens through the display under the control of the control unit; Generates a financial processing request message corresponding to the financial processing request requested by the user as an overall control operation and transmits the generated financial processing request message to the low speed low power wireless communication module and responds to the corresponding request message received from the low speed low power wireless communication module. Card lookup system using a low-speed low-power wireless method characterized in that it comprises a control unit for analyzing the screen display and print output corresponding to the analysis. The method of claim 4, wherein And a control unit of the wireless card inquiry terminal is configured to encrypt data transmitted through a low speed low power wireless communication module. The method of claim 4, wherein The low speed low power wireless access terminal, A low speed low power wireless communication module for performing communication with the wireless card inquiry terminal by a low speed low power wireless method; An operating program including a control program of a terminal and a unique identification code for a wireless card inquiry terminal managed by the terminal are registered and stored, and information received from the wireless card inquiry terminal, which is a lower device, and a computer terminal or a force that is an upper device A memory for temporarily storing information received from the terminal; A serial communication module which converts the financial processing request message received from the wireless card inquiry terminal into a serial data format and transmits the same to a computer terminal or a force terminal through a serial communication port; In this case, the financial processing request message received from the wireless card inquiry terminal is transmitted to the computer terminal or the POS terminal, and the corresponding financial processing request received from the financial VAN server through the computer terminal or the POS terminal. And a control unit for controlling to transmit a financial processing response message for the message to the wireless card inquiry terminal. delete delete

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