KR100821853B1 - Card Terminals and Program Recording Medium - Google Patents

Abstract

The present invention relates to a card terminal device, an IC card, an automatic driving and / or setting system of a card terminal program using the same, and a recording medium, wherein the card stores predetermined card information including a specific code and / or specific card storage information. Loading the card information from the card to terminate at least one or more programs being driven, driving a specific program among a plurality of programs stored in the card terminal, or configuring a screen set in the card terminal and / or And a card terminal for converting a function into a specific screen configuration and / or a specific function. As a result, at least one or more terminal programs pre-driven (and / or executed) in the card terminal are dynamically set automatically according to the purpose in response to the specific code and / or the specific card storage information, or driven in the card terminal ( And / or not executed), the terminal program is automatically driven according to the purpose in response to the specific code and / or the specific card storage information.

Card, Card Terminal, Payment Terminal, Card Information

Description

Card terminal device and program recording medium therefor {Card Terminals and Program Recording Medium}

1 is a block diagram illustrating an apparatus configuration of a payment terminal device that provides an automatic driving and / or dynamic setting function of a terminal program corresponding to card information according to an embodiment of the present invention.

2 is a diagram illustrating a functional configuration of a payment terminal apparatus that provides an automatic driving and / or dynamic setting function of a terminal program corresponding to card information according to an embodiment of the present invention.

3 is a diagram illustrating an MS card in which predetermined code information is stored according to an exemplary embodiment of the present invention.

4 is a diagram illustrating an IC card in which predetermined code information is stored according to another exemplary embodiment of the present invention.

5 is a diagram illustrating an implementation method for operating a payment terminal device according to an embodiment of the present invention.

6 is a diagram illustrating an operation process of a payment terminal device according to an embodiment of the present invention.

7A and 7B illustrate an operation process of generating a predetermined payment approval request full text in a credit settlement program provided in a payment terminal device according to an embodiment of the present invention.

Figure 8 illustrates the full payment approval request generated by the credit settlement program provided in the payment terminal device according to an embodiment of the present invention.

Figure 9 illustrates the full payment approval received by the credit settlement program provided in the payment terminal device according to an embodiment of the present invention.

10A and 10B are diagrams illustrating a credit settlement receipt according to an embodiment of the present invention.

11 is a view showing an IC card in which predetermined card storage information is stored according to another exemplary embodiment of the present invention.

12 is a diagram illustrating an implementation method for operating a payment terminal device according to another embodiment of the present invention.

13 is a flowchart illustrating an operation process of a payment terminal device according to another embodiment of the present invention.

14 is a diagram illustrating an implementation method for operating a payment terminal device according to another embodiment of the present invention.

15 is a flowchart illustrating an operation process of a payment terminal device according to another embodiment of the present invention.

FIG. 16 illustrates an IC card storing a terminal program in predetermined card storage information according to another exemplary embodiment of the present invention.

17 is a diagram illustrating an implementation method for operating a payment terminal device according to another embodiment of the present invention.

18 is a diagram illustrating an operation process of a payment terminal device according to another embodiment of the present invention.

<Description of main parts of drawing>

100: payment terminal device 110: card reader unit

160: processor 165: memory unit

200: information confirmation unit 205: terminal control unit

According to the present invention, a card for storing predetermined card information including a specific code and / or specific card storage information, and at least one program of a program running by loading the card information from the card, are terminated. A card terminal for driving a specific program among a plurality of stored programs or for converting a screen configuration and / or function set in the card terminal into a specific screen configuration and / or a specific function. And an IC card, an automatic driving and / or setting system of a card terminal program using the same, and a recording medium.

The card terminal provided in at least one affiliated store for electronic payment processing is designed to simply define an operation procedure and to minimize a key input procedure in order to prevent an operator's malfunction due to the security structure of the electronic payment.

In recent years, due to the rapid development of information and communication technology, financial / payment services and information and communication technologies have been combined, and when additional services are provided through a card terminal provided at a merchant for the electronic payment processing, various types of value added may be created. It is expected.

However, in case of adding an additional function to provide an additional service incorporating information and communication technology to a card terminal that has a simple operation procedure and minimizes a key input procedure as described above, the security of the electronic settlement itself due to an operator malfunction It contains problems that can cause loopholes in the structure.

The present invention is derived to solve the above problems, at least a card for storing predetermined card information including a specific code and / or specific card storage information, and a program running by loading the card information from the card; A card terminal for terminating one or more programs, driving a specific program among a plurality of programs stored in the card terminal, or converting a screen configuration and / or function set in the card terminal into a specific screen configuration and / or a specific function. Through the card terminal device and the IC card, the card terminal program using the same, characterized in that to provide a variety of additional services incorporating information and communication technology while maintaining a simple operation procedure and a minimized key input procedure of the card terminal For driving and / or setting systems, recording media.

An object of the present invention is to store a card for storing a specific code and / or specific card storage information as described above, and a plurality of payment approval request full text generation program (or a payment approval request full text generation screen configuration), and from the card Read a code and / or specific card storage information, and approve payment corresponding to the read specific code and / or specific card storage information in the plurality of payment approval request full text generation programs (or a payment approval request full text generation screen configuration). A merchant corresponding to the card by selecting and applying a request full text generation program (or a screen for generating a payment approval request) and applying the selected full text message (or a screen for generating a payment approval request). Through the card terminal that generates the full payment authorization request with the number, and through the one card terminal the payment subject and / or A first card terminal apparatus and an IC card and a card terminal automatic driving program using the same and / or set the system, a recording medium, characterized in that the object is defined according to the application and the purpose.

In the present invention, the card terminal apparatus includes a first (or first group) code and / or a first (or first group) card storage information, a first program (or first terminal setting information), and a second (or second group). ) Code and / or second (or second group) card storage information and second program (or second terminal setting information), ... N (or Nth group) code and / or N (or N) Group) a memory unit for linking and storing the card storage information and the N-th program (or N-th terminal setting information) in a one-to-one correspondence; A card reader unit for reading a specific code and / or specific card storage information by reading a card; A first (or first group) code and / or a first (or first) code stored in the memory unit in which a code and / or card storage information corresponding to a specific code and / or specific card storage information read through the card reader unit are previously stored. A first group) card storage information to an N-th (or N-th group) code and / or an N-or-th (or Nth group) card storage information; And when a code and / or card storage information corresponding to a specific code and / or specific card storage information read through the card reader unit does not exist in the memory unit, the program being executed (or Screen configuration or terminal function), and the code and / or card storage information corresponding to the specific code and / or specific card storage information read through the card reader unit are stored in the memory unit. In the present invention, a specific code and / or a specific card read out through the card reader unit among the first program (or first terminal setting information) to the Nth program (or Nth terminal setting information) previously stored in the memory unit. Check the stored program (or terminal setting information) provided in one-to-one correspondence with the code and / or card storage information corresponding to the stored information, If the current program (or preset screen configuration or terminal function) is different from the checked program (or terminal setting information), the previously running program (or preset screen configuration or terminal function) is terminated, and the checked And a terminal controller configured to drive a program and / or set a terminal screen configuration or function to correspond to the checked terminal setting information.

According to the method of the present invention, the card preferably comprises at least one MS (Magnetic Stripe) card, IC (Integrated Circuit) card, at least one wireless IC chip mounted and / or detached in a predetermined mobile phone, The card storage information preferably includes an applet (or application) stored on an IC card or an IC chip memory mounted and / or detached from a mobile phone.

According to an embodiment of the present invention, the program generates a payment approval request full text, and transmits the same; And / or a function for receiving a payment approval message and processing the same.

According to an embodiment of the present invention, the terminal setting information may include: a terminal screen configuration and / or function setting information for generating a payment approval request telegram and transmitting it; And / or a terminal screen configuration and / or function setting information for receiving a payment approval message and processing the same.

According to an embodiment of the present invention, the card terminal device preferably comprises at least one payment terminal device, a financial automation device, a KIOSK, a computer, and a wireless terminal.

According to the invention, the recording medium provided in the card terminal device is characterized in that the program for executing the function of the device configuration unit recorded.

In the present invention, the card terminal program automatic driving and / or setting system, the card for storing a specific code and / or specific card storage information; And a program for generating a plurality of payment approval request full text (or a screen for generating a payment approval request full text), reading a specific code and / or specific card storage information from the card, and generating the plurality of payment approval request full text. (Or a payment approval request text generation screen composition) select and apply a program for generating a payment approval request text corresponding to the read specific code and / or specific card storage information (or a screen generation before payment approval request) And a card terminal for generating a payment approval request text to the affiliated store number corresponding to the card through a program for generating a payment approval request text (or a payment approval request text message creation screen configuration) to be applied.

In the present invention, the IC card interface unit for processing data input and output with the card terminal; A memory for storing certain applets (or data); And a processor configured to extract the applet (or data) stored in the memory and to control the provided applet (or data) to be provided to the card terminal through the interface unit. The applet (or data) is loaded on the card terminal, terminates at least one or more programs that are already running, drives a specific program among a plurality of programs stored in the card terminal, or is set in the card terminal. And converting the screen configuration and / or function into a specific screen configuration and / or a specific function.

In the present invention, the card terminal program automatic driving and / or setting system drives a specific program among card terminal programs, or converts the screen configuration and / or function set in the card terminal into a specific screen configuration and / or a specific function. An IC card having an applet (or data) that executes a function of causing a function to be made; And executing an applet (or data) extracted from the IC card, running a specific program through the executed applet (or data), or setting the set screen configuration and / or function to a specific screen configuration and / or Card terminal for converting to a specific function; characterized in that comprises a.

In addition, the card terminal program automatic driving and / or setting system of the present invention drives a specific program among a plurality of payment approval request full text generation programs (or payment approval request full text generation screen configuration) stored in the card terminal, or An IC card having an applet (or data) for executing a function of converting a payment approval request full text generation screen configuration set in the card terminal into a screen configuration for generating a specific payment approval request full text; And executing an applet (or data) extracted from the IC card, and executing the applet (or data) to the IC card among a plurality of payment approval request full text generation programs (or payment approval request full text creation screen configuration) through the executed applet (or data). Select and apply a corresponding payment approval request full text generation program (or payment approval request full text creation screen configuration), and apply the selected payment approval request full text generation program (or payment approval request full text creation screen configuration). It characterized in that it comprises a; card terminal for generating a payment approval request full text to the merchant number corresponding to the IC card.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also omitted as described above The relationship between the components and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited. For example, in the following embodiment, the card terminal device is referred to as a "payment terminal device" for convenience, and the terminal setting information is referred to as "terminal setting information". However, the technical features of the present invention are not limited to only the payment terminal device. no.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

FIG. 1 is a diagram illustrating a device configuration of a payment terminal device 100 that provides an automatic driving and / or dynamic setting function of a terminal program corresponding to card information according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates an embodiment of a device configuration of a payment terminal device 100 that provides an automatic driving and / or dynamic setting function of a terminal program corresponding to predetermined card information. A person of ordinary skill in the art may refer to and / or modify the drawing 1 to provide an automatic driving and / or dynamic setting function of a terminal program corresponding to predetermined card information. Various implementation methods for the configuration may be inferred, but the present invention includes all the inferred implementation methods, and the present invention is not limited by the inferred implementation methods.

Referring to FIG. 1, the payment terminal device 100 basically includes a control unit 105, a storage medium 150, a card reader unit 110, a key input unit 120, a screen output unit 115, and a communication processing unit 130. And a power supply unit 125 for supplying power to the security application module 135, the print output unit 140, and the payment terminal device 100, and at least one terminal functional unit according to the intention of the skilled person ( Omission).

The control unit 105 controls the overall operation of the payment terminal device 100 according to the function configuration, manages the flow of information or data between each component, and among the plurality of terminal programs provided in the payment terminal device 100. It is characterized by controlling the components provided in the payment terminal device 100 in order to automatically drive and / or dynamically set the terminal program corresponding to the predetermined card information, the hardware (Central Processing Unit) / A memory unit 165 including at least one processor including an MPU (Micro Processing Unit) and execution memory (for example, a register and / or random access memory (RAM)) and an I / O interface for inputting and outputting predetermined data ( And a predetermined recording medium for performing a function specific to the payment terminal device 100 by software. It is characterized in that it comprises a predetermined program routine (Routine) and / or program data that is loaded (loaded) to the memory unit 165 and arithmetic processing by the processor.

According to the present invention, while a predetermined power is supplied to the payment terminal device 100 through the power supply unit 125 and booted, the processor 160 of the control unit 105 and I / I are booted according to a predetermined booting procedure. A predetermined operating system (OS) for operating the payment terminal device 100 from the storage medium 150 to the memory unit 165 of the controller 105 by the O interface 170 (eg, the At least one or more devices constituting the payment terminal device 100 and a set of system programs providing an interface between the terminal programs driven and / or executed in the payment terminal device 100) are loaded. While the payment terminal device 100 is in operation, at least one terminal program included in the payment terminal device 100 is driven (and / or executed) by the operating system to the memory unit 165 of the controller 105. Or a predetermined terminal program among the one or more terminal programs driven (and / or executed) by the operating system is terminated and erased from the memory unit 165 of the controller 105. At least one or more terminal programs driven (and / or executed) by an operating system may include at least one or more devices (for example, a card reader unit 110) provided in the payment terminal device 100 through the operating system. Or a key input device corresponding to the key input unit 120, a screen output device corresponding to the screen output unit 115, a communication device corresponding to the communication processing unit 130, etc.).

That is, the controller 105 may include at least one terminal program driven (and / or executed) by the operating system and / or the operating system and components provided in the payment terminal device 100 (eg, the storage medium ( 150, the card reader 110, the key input unit 120, the screen output unit 115, the communication processing unit 130, the security application module 135 and the print output unit 140 and / or according to the intention of the skilled person Interworking with a terminal function unit (not shown)) to control and manage the provision of the electronic payment service defined in the payment terminal device 100, and, according to the present invention, the terminal program corresponding to the predetermined card information. It is desirable to provide automatic drive and / or dynamic setting functions.

In order to receive the automatic driving and / or dynamic setting function of the terminal program corresponding to the predetermined card information according to the present invention through the payment terminal device 100, the customer, based on the ISO / IEC 7810 standard MS (Magnetic) Stripe) card and / or at least one contact IC card (or wireless IC chip) based on ISO / IEC 7816, and / or contactless IC card (or wireless IC chip) based on ISO / IEC 14443 It possesses (or owns) a card that includes it, and the card reader unit 110 provides an interface for reading at least one or more information or data included in the card.

According to the embodiment of the present invention, the card reader unit 110 is an MS reader unit for providing an interface between the MS card and the payment terminal device 100, and / or the contact IC card and the payment terminal device. It comprises a contact IC reader unit for providing an interface between (100), and / or a contactless IC reader unit for providing an interface between the contactless IC card and the payment terminal device (100).

The MS reader unit is a card reader unit 110 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data from the at least one track (Track) provided in the MS of the MS card to the payment terminal 100 by using the loaded.

The contact IC reader unit is a card reader unit 110 based on ISO / IEC 7816 and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in the contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) It is characterized in that the interface to the payment terminal device (100).

The contactless IC reader unit is a card reader unit 110 based on ISO / IEC 14443. The contactless IC reader unit may be formed at least in electrical contact with the contactless IC card by using capacitive coupling and / or inductive coupling. It includes one or more antennas, and supplies power to the IC chip of the IC card through the antenna, and payment of predetermined information or data from the IC chip through the half duplex transaction using APDU It is characterized in that the interface to the terminal device (100).

According to an embodiment of the present invention, the card reader unit 110 may provide predetermined card information (for example, a card to the card reader unit) from at least one or more card reader units 110 for the electronic payment service defined in the payment terminal device 100. It is preferable to read the payment means information corresponding to the payment means including at least one provided credit card, check card, debit card, cash card, financial account, and also according to the present invention, the payment terminal device 100 Predetermined among a plurality of terminal programs provided in the payment terminal device 100 from at least one card to automatically drive and / or dynamically set a terminal program corresponding to predetermined card information among a plurality of terminal programs provided in the terminal program. It is preferable to read card information that matches the terminal program of.

According to an exemplary embodiment of the present invention, card information reading from at least one card through the card reader unit 110 matches a predetermined terminal program among a plurality of terminal programs provided in the payment terminal device 100. Preferably, the code information includes at least one storage area defined in at least one of a track I storage area and / or a track II storage area and / or a track III storage area of a predetermined MS card. Binary data and / or character string data that can be stored in a data field, and / or binary data that can be stored in a predetermined element file among at least one or more element files constituting specific card storage information included in a predetermined IC card; and And / or at least one of character string data.

According to another exemplary embodiment of the present invention, card information reading from at least one or more cards through the card reader unit 110 may include a predetermined terminal program among a plurality of terminal programs provided in the payment terminal device 100. Preferably, the card storage information includes matching card storage information. The card storage information includes a predetermined processing unit and a data unit 420, and is provided in a wireless IC chip mounted or detached from a predetermined IC card and / or a wireless terminal. It is preferable to include a card applet (or a card application).

The storage medium 150 inputs and outputs when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the payment terminal device 100 is performed. General term of non-volatile memory for storing information or data), including at least hardware-based electrically erasable and programmable read only memory (EEPROM) and / or flash memory (FM) and / or hard disk drive (HDD). It comprises one or more storage means, the control unit 105 is a predetermined program routine and program data required for performing a predetermined control function (for example, the program routine is input or output to perform a predetermined function) Data) is stored.

According to an exemplary embodiment of the present invention, the storage medium 150 performs the same function to provide automatic driving and / or dynamic setting of a terminal program corresponding to predetermined card information, but is used for different purposes. Preferably, a plurality of terminal program codes are stored, and at least one or more terminal programs (eg, first terminal program, second terminal program, ..., Nth) among the plurality of terminal programs stored in the storage medium 150. The terminal program) is preferably driven (and / or executed) by the controller 105 and loaded into the memory unit 165 of the controller 105. At this time, at least one or more terminal programs corresponding to at least one or more card information obtained from a predetermined card through the card reader unit 110 among the terminal programs loaded into the memory unit 165 of the control unit 105, respectively. It is preferable to be loaded into the memory unit 165 to be associated with the card information to be provided in a one-to-one correspondence. In addition, the terminal program loaded in the memory unit 165 by being cooperatively processed to be provided in a one-to-one correspondence with predetermined card information is cooperatively loaded by a predetermined group (eg, a first group terminal program and a second group terminal). The program, ..., the N-th group terminal program, the first group card information, the second group card information, ..., the N-th group card information can be loaded in a one-to-one correspondence), whereby the present invention This is not limited.

According to another exemplary embodiment of the present invention, the storage medium 150 performs the same function in a predetermined terminal program in order to provide an automatic driving and / or dynamic setting function of the terminal program corresponding to the predetermined card information. It is preferable to store a plurality of terminal setting information used for different purposes, at least one or more of the terminal setting information of the plurality of terminal setting information stored in the storage medium 150 (for example, the first terminal setting information, the second The terminal setting information, ..., the N-th terminal setting information) is pre-driven (and / or executed) by the controller 105 and loaded into the memory unit 165 of the controller 105. It is preferably used by a program. In this case, at least one or more terminals corresponding to at least one or more card information obtained from a predetermined card through the card reader unit 110 of at least one or more terminal programs loaded into the memory unit 165 of the control unit 105. The setting information may be loaded into the memory unit 165 by being cooperatively processed so as to correspond to each card information one-to-one. In addition, the terminal setting information that is cooperatively processed so as to correspond to the predetermined card information in one-to-one correspondence and loaded into the memory unit 165 may be cooperatively loaded for a predetermined group (eg, the first group terminal setting information and the second). Group terminal setting information, ..., N-th group terminal setting information, the first group card information, the second group card information, ..., the N-th group card information can be loaded in a one-to-one correspondence), Thereby, this invention is not limited.

The key input unit 120 is provided with at least one key button including at least one or more number keys and / or character keys and / or function keys. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or operation mode of the payment terminal device 100 controlled by the controller 105. When predetermined information (or signal) is inputted from the key button of, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 105. The control unit 105 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the payment terminal device 100, and / or is matched with the key event and defined. Characterized in that for obtaining a command to execute a predetermined function. The key input unit 120 and the key input device having at least one key button interwork with each other to perform a function of key input means provided in the payment terminal device 100.

The key input device interoperating with the key input unit 120 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (eg, English character key, and / or Korean character). Key) and / or a keyboard device having a function key, and / or having at least one numeric key and a function key in conjunction with the screen output means, and / or having at least one numeric key, a character key and a function key. It is preferable to include at least one touch screen device.

According to the exemplary embodiment of the present invention, the key input unit 120 may provide key data (eg, payment) corresponding to the electronic payment service from at least one or more key input devices for the electronic payment service defined in the payment terminal device 100. It is preferable to perform the function of the key input means for receiving an amount of money, etc., and from the key input device to provide an automatic driving and / or dynamic setting function of the terminal program corresponding to the predetermined card information according to the present invention. It is preferable to perform a function of key input means for receiving at least one or more key data required in the process of providing an automatic driving and / or dynamic setting function of the terminal program corresponding to the predetermined card information.

The screen output unit 115 is a liquid crystal display (LCD) and / by the control unit 105 in the process of the payment terminal device 100 performs a predetermined function (for example, the electronic payment processing function using a card) Or outputting at least one or more information or data which are predefined or defined in real time to be output to a predetermined display device including a cathode ray tube (CRT) through a predefined interface screen. The unit 115 and the screen output device interoperate with each other to perform a function of the screen output means provided in the payment terminal device 100.

Predefined information or data to be output from the payment terminal device 100 to the screen output device, the key data input through the key input unit 120, and / or is provided in the payment terminal device 100 Corresponding to information (or data) stored or generated by a component, information (or data) transmitted / received through the communication processing unit 130, and / or a predetermined operation result performed by the payment terminal device 100 ( Or data).

According to a preferred embodiment of the present invention, the screen output unit 115 outputs an electronic payment processing screen according to each electronic payment step to the screen output device for the electronic payment service defined in the payment terminal device 100. It is preferable to perform the function of the screen output means, and to provide the automatic driving and / or dynamic setting function of the terminal program corresponding to the predetermined card information according to the present invention. It is preferable to perform the function of the screen output means for outputting the processing screen corresponding to the step of providing the automatic driving and / or dynamic setting function of the corresponding terminal program.

The communication processor 130 is a terminal (or VAN (Value Added Network)) terminal (or VAN (Value Added Network)) in the process of performing the predetermined function (for example, the electronic payment processing function using the card) the payment terminal device (or Server) and / or a terminal (or device) connected to the payment terminal device 100 through a predetermined cable and / or a terminal (or device) connected to the payment terminal device 100 through a predetermined short-range wireless communication. And a predetermined communication means for connecting a communication session with a network communication unit for connecting a predetermined communication channel with a server (or device) on a wired or wireless network, and / or via a predetermined cable communication port. A predetermined short distance communication terminal (or device) through a cable communication unit for connecting a communication session with a terminal (or device) of the terminal, and / or at least one short range wireless communication means. And it becomes done by including a short range wireless communication unit for connecting to a predetermined communication session comprises a communication protocol and / or the driver for connecting the communication channel (or communication session) by software.

The network communication unit may include a predetermined wired network and / or a mobile communication network including a Value Added Network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). Connecting a communication channel with a server (or device) on a wired / wireless network through a predetermined wireless network including a wireless data communication network, and to connect the payment terminal device 100 to a predetermined wired / wireless network in hardware. It comprises a modem (Modem) or a Network Interface Card (NIC), and comprises a communication protocol and / or driver for connecting the payment terminal device 100 to the wired and wireless network in software.

The cable communication unit may connect a communication session with a predetermined terminal (or device) through a predetermined cable communication (eg, RS-232c or Universal Serial Bus (USB)), and the cable may be connected in hardware. It comprises a predetermined cable communication port, and comprises a communication protocol and / or driver for the cable communication in software.

The short range wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), Wi-Fi (Wi-Fi), and Universal Serial Bus (USB). Characterized in that to connect a predetermined terminal (or device) and a short-range wireless communication session through at least one or more short-range wireless communication means, the hardware includes the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB It includes a predetermined short range wireless communication module for short range wireless communication, and includes a communication protocol and / or driver for private short range wireless communication in software.

The secure application module (SAM) 135 is a confidentiality and / or authentication (required in the process of performing the electronic payment and / or electronic payment by the payment terminal device 100 using the card ( Security requirements, including Authentication and / or Integrity and / or Nonrepudiation, can be secured within the payment terminal device 100 without using an authentication server (or payment server) on the payment network. As a safety device for performing in a reliable structure, a predetermined message (information or data) processed in the process of the payment terminal device 100 performs a predetermined security request function (for example, electronic payment and / or electronic payment function). C) encrypts or decrypts, adds an authenticator that prevents forgery (or tampering) of the message, or is an important hack in the process of performing the security request function. To perform the function of storing information features.

In general, the security application module 135 is preferably composed of a predetermined security application module 135 inserter and a security application module 135 chip, the security application module 135 chip is a chip containing at least 8-bit CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

In addition, the security application module 135 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value required for the payment terminal device 100 to perform a predetermined security request function) And / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, immediate transaction cancellation protocols, collection protocols, SAM issuance protocols, (e.g. Card company) registration protocol, authorization acquisition protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / discard / Initialization / reprocessing / cancellation command).

The print output unit 140 may process the payment terminal device 100 to perform a predetermined function (eg, an electronic payment processing function using a card) and / or predetermined information or data (eg, payment) generated as a result. Processing result information or data) to a predetermined printing device (e.g., a receipt printer), and printing for printing the printing information or data through the predetermined printing device in accordance with a predefined printing form. This includes the protocol and drivers.

2 is a diagram illustrating a functional configuration of a payment terminal device 100 that provides an automatic driving and / or dynamic setting function of a terminal program corresponding to card information according to an embodiment of the present invention.

More specifically, Figure 2 is an embodiment of the functional configuration of the payment terminal device 100 that provides the automatic driving and / or dynamic setting function of the terminal program corresponding to the predetermined card information, the present invention A person of ordinary skill in the art may refer to and / or modify the drawing 2 to provide a function of the payment terminal device 100 that provides an automatic driving and / or dynamic setting function of a terminal program corresponding to predetermined card information. It will be understood that various implementation methods may be inferred for the configuration to be practiced, but the present invention includes all the inferred implementation methods, and the present invention is not limited by the inferred implementation methods.

According to the present invention, the control unit 105 of the payment terminal device 100 is loaded from a predetermined recording medium into the memory unit 165 in order to perform a function specific to the payment terminal device 100 by software. And a predetermined program routine (Routine) and / or program data that is arithmetic processing by the processor (160), whereby FIG. 2 is a plurality of payment terminal device (100) A predetermined program and / or the payment terminal device recorded on a recording medium provided in the payment terminal device 100 for automatically driving and / or dynamically setting a terminal program corresponding to predetermined card information among the terminal programs. A payment terminal for automatically driving and / or dynamically setting a terminal program corresponding to predetermined card information among a plurality of terminal programs provided in 100) A functional configuration component is processed by software provided in the value 100 is shown as being provided in the control section 105.

Referring to FIG. 2, a payment terminal device 100 that provides an automatic driving and / or dynamic setting function of a terminal program corresponding to predetermined card information may include specific code information and / or information from a predetermined card reader unit 110. A card reader unit 110 for reading specific card information including specific card storage information, code information corresponding to specific code information and / or specific card storage information read through the card reader unit 110 and / or Or at least one program (eg, a first terminal program, a second terminal program, ..., an N-th terminal program) matched one-to-one with card storage information is pre-driven (and / or) in the payment terminal device 100. Check whether the memory unit 165 is loaded in the memory unit 165 shown in FIG. 1, and / or is pre-driven (and / or executed) in the payment terminal device 100, and the memory unit shown in FIG. At least 165 loaded At least one terminal setting information (eg, first terminal setting information, second terminal setting information,) corresponding to specific code information and / or specific card storage information read out by one or more programs through the card reader unit 110. .., the information confirmation unit 200 to confirm whether the corresponding to the N-th terminal setting information) and the code corresponding to the specific code information and / or specific card storage information read through the card reader unit 110 as a result of the check A predetermined terminal program that is matched one-to-one with information and / or card storage information is pre-driven (and / or executed), and / or the specific code information and / or the read-out program is executed and / or executed. Or, if the code information corresponding to the specific card storage information and / or the terminal setting information matched one-to-one with the card storage information is maintained, the current state of the driven (and / or executed) program is maintained as it is. The predetermined terminal program matched one-to-one with the code information and / or the card storage information corresponding to the specific code information and / or the specific card storage information read through the card reader unit 110 is pre-driven ( And / or not executed), and / or the program (and / or executed) is executed one-to-one with code information and / or card storage information corresponding to the read specific code information and / or specific card storage information. At least one or more one-to-one matches with code information and / or card storage information corresponding to the specific code information and / or specific card storage information read from the storage medium 150 when the terminal configuration information is not matched. A program (eg, a first terminal program, a second terminal program, ..., an Nth terminal program) is driven (and / or executed) and / or is driven (and / or executed). At least one terminal setting information (eg, the first terminal setting information,) in which one or more terminal programs are matched one-to-one with code information and / or card storage information corresponding to the read specific code information and / or specific card storage information. And a terminal controller 205 for controlling to correspond to the second terminal setting information, ..., the Nth terminal setting information).

In addition, the payment terminal device 100 includes a program unit 210 which is loaded and operated with at least one program (for example, a first terminal program, a second terminal program, ..., an Nth terminal program). Preferably, each program loaded into the program unit 210 is a device component of the payment terminal device 100 shown in Figure 1 (eg, storage medium 150, card reader 110, Key input unit 120, screen output unit 115, communication processing unit 130, security application module 135, print output unit 140, etc.) to perform a unique function defined in the corresponding terminal program desirable.

According to a preferred embodiment of the present invention, at least one or more terminal programs loaded into the program unit 210 are stored in the storage medium 150 by an operating system preloaded in the payment terminal device 100. It is preferable that the terminal program code is read and loaded.

According to another exemplary embodiment of the present invention, at least one or more terminal programs loaded into the program unit 210 may include terminal program codes stored in a memory provided in a predetermined IC card and / or a wireless IC chip. It is possible to be read by the), and to be loaded by the operating system pre-loaded in the payment terminal device 100, whereby the present invention is not limited.

According to an exemplary embodiment of the present invention, the terminal program loaded into the program unit 210 may include payment means information read from a predetermined card through the card reader 110 and predetermined through the key input unit 120. Payment information (e.g., payment amount, installment months, etc.) and terminal information (e.g., terminal number) for the payment terminal device 100 extracted from the storage medium 150; An electronic payment process that generates a predetermined payment approval request text based on the basis and transmits it to a server (or device) on a payment network, and receives and processes a predetermined payment approval text corresponding to the payment approval request text from the server (or device). It is preferable to include a program, in this case, the electronic payment program corresponding to the predetermined card information that is read through the card reader unit 110 By changing the terminal information for the payment terminal device 100, the payment entity and the payment object generate a predetermined payment approval request message different from each other and transmit the generated payment approval request message to a server (or device) on the payment network, and the server (or device) A predetermined payment approval message corresponding to the full payment approval request message can be received and processed.

Hereinafter, in a predetermined payment terminal device 100 equipped with a general-purpose operating system having a simple structure, such that those skilled in the art can easily understand the advanced technical features of the present invention. Automatic driving and / or dynamic setting function of a terminal program corresponding to the card information in the payment terminal device 100 based on predetermined card information provided in the IC card and / or the wireless IC chip and / or the MS card Illustrative exemplary embodiments of providing the same will be described. However, the embodiment of the present invention is not limited to the case illustrated below, and those skilled in the art to which the present invention pertains, each of which is provided with an operating system having a more complicated structure through the illustrated embodiment. The automatic payment and / or dynamic setting of the terminal program corresponding to the card information based on the predetermined card information included in the predetermined IC card and / or the wireless IC chip and / or the MS card in the payment terminal device 100 of the Clearly understand the technical features that provide the functionality.

3 is a diagram illustrating an MS card in which predetermined code information is stored according to an exemplary embodiment of the present invention.

In more detail, FIG. 3 illustrates an embodiment of an MS card for storing predetermined code information for providing an automatic driving and / or dynamic setting function for a terminal program provided in a predetermined payment terminal device 100. For convenience, the MS card shown in FIG. 3 is a financial MS card having a Track I storage area, a Track II storage area, and a Track III storage area. This is an example of storing code information that provides a dynamic configuration function. Those skilled in the art to which the present invention pertains may refer to, and / or modify, the present invention in the Track I storage area and / or Track III storage area in addition to the Track II storage area in the financial MS card. An embodiment in which code information for providing automatic driving and / or dynamic setting function of a terminal program according to the present invention is stored, or for providing automatic driving and / or dynamic setting function of a terminal program according to the present invention in a storage area of a non-financial MS card. An embodiment in which code information is stored may be inferred, and the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method illustrated in FIG.

According to the American Bank Association (ABA) standard, the track II storage area of the MS card can store up to 40 digits of 5-bit characters based on 75 bpi magnetic density, and start digits of one digit size (Start Sentinel). , SS, 0xB), Primary Account Number (PAN) field for storing up to 19 digits, Field Separator (FS, 0xD) with 1 digit size, Addition Data field and Discretionary Data) field, one digit end character (End Sentinel, ES, 0xF) and one digit long redundancy check (LRC).

Referring to FIG. 3, code information providing an automatic driving and / or dynamic setting function of a terminal program according to the present invention is stored in an arbitrary data field of the Track II storage area, and 5 bits usable in the Track II storage area. A code information identifier including one digit size character used as a control character among characters, and a code value including a four digit data character among five bit characters available in the Track II storage area. Characterized in that made.

Thereby, the payment terminal device 100 (for example, the information terminal 200 provided in the payment terminal device 100) accessing the track II storage area of the MS card (or reading the information stored in the track II storage area). )) Is a predetermined code value corresponding to code information for providing automatic driving and / or dynamic setting function of the terminal program according to the present invention in the arbitrary data field based on the code information identifier stored in the arbitrary data field. The code value is read from the arbitrary data field.

4 is a diagram showing an IC card in which predetermined code information is stored according to another embodiment of the present invention.

In more detail, FIG. 4 illustrates an embodiment of an IC card for storing predetermined code information for providing an automatic driving and / or dynamic setting function for a terminal program provided in a predetermined payment terminal device 100. For convenience, this figure 4 illustrates a case where code information for providing automatic driving and / or dynamic setting function of the terminal program among card information according to the present invention is stored in a memory of a contact type IC card. Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 4 to automatically drive and / or dynamically configure a terminal program according to the present invention of a contactless IC card and / or a wireless IC chip. An embodiment in which code information is provided to be stored may be inferred, and the present invention includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG.

With reference to standards including ISO / IEC 7816 and / or ISO / IEC 14443, the IC chip's IC chip may include power supply (VCC), reset signal (RST), clock signal (CLK), ground (GND), and programming. An input / output interface 400 for communicating with the payment terminal device 100 (eg, exchanging commands or data) through a contact point such as a power supply (VPP) and / or an input / output (I / O), and a central process unit (CPU) ), A processor unit () consisting of at least one computing element including a microprocessor unit (MPU), and / or coprocessor (CPU), a read only memory (ROM), a random access memory (RAM), EEPROM ( It consists of a memory unit () consisting of at least one or more memory elements, including electrically erasable and programmable read only memory (FM), flash memory (FM), etc. In particular, at least one or more of the memory elements (eg, ROM) To manage and operate internal resources An operating system (Chip Operating System; COS) is stored, and when a predetermined power is supplied from the payment terminal device 100 through a power supply (VCC) contact point of the input / output interface 400, the COS stored in the memory unit (). Is loaded into a predetermined execution memory to control the overall operation of the IC chip, and through the APDU (Application Protocol Data Unit) based on the clock frequency (eg, 3.57 MHz or 4.9 MHz) of the clock signal (CLK) contact point. Control information or data exchange between the IC chip and the payment terminal device 100.

According to the present invention, the memory unit of the IC chip terminates at least one or more programs that are loaded in the card terminal and is already driven, and drives a specific program among a plurality of programs stored in the card terminal, or Card storage information for executing a function of converting a screen configuration and / or a function set in the card terminal into a specific screen configuration and / or a specific function is stored, wherein the card storage information is read by a terminal program. And is driven or executed by a data unit 420 for storing a data set corresponding to predetermined information or data to be read and / or used, and an instruction set provided by a calculation function and a COS of the processor unit In the case of a program routine (eg, Javacard) used by the terminal program JAVA Applet) is provided with a processing unit corresponding to an application including an instruction call code that interacts with the instruction set of the COS and execution code that is processed and processed by the processor unit. In particular, the processing unit Reads a command provided from the terminal program via the input / output interface 400 through an APDU, reads at least one or more information or data stored in the data unit 420 based on the read command, or And record the result or read information or data to the terminal program via the input / output interface 400 through the APDU.

According to a preferred embodiment of the present invention, the memory unit of the IC chip includes a security structure based on ISO / IEC 10202, whereby the memory unit is a secret such as a chip serial number (CSN). A protection area in which information is stored, a COS control area, a user application area, a read / write access area, an application program area, and a FAT (File Allocation Table) management area, and the like. It is preferably stored in an area except the area and the COS control area.

In addition, according to the ISO / IEC 7816 and / or ISO / IEC 14443 ICC standard, the memory unit may include one master file (MF) corresponding to a root file, and a lower part of the master file. Answer To Reset (ATR) including function information on at least one stored information, at least one dedicated file (DF) corresponding to each ICC stored information, and disposed under the dedicated file Includes a file structure consisting of an element file (EF) containing the actual information and / or data for the card service, the card storage information for the present invention also comprises the file structure as described above.

Referring to FIG. 4 according to an embodiment of the present invention, the data unit 420 of the card storage information provides an automatic driving and / or dynamic setting function for a terminal program provided in a predetermined payment terminal device 100. And storing predetermined code information, wherein the code information is read from the IC card according to an operation procedure defined in ISO / IEC 7816 and / or ISO / IEC 14443 to the payment terminal device 100. The payment terminal device 100 may provide an automatic driving and / or dynamic setting function of the terminal program according to the present invention by using the read code information.

In particular, the code information stored in the data unit 420 is loaded in the card terminal to terminate at least one or more programs that are already running, and to drive a specific program of a plurality of programs stored in the card terminal, or And converting the screen configuration and / or function set in the card terminal into a specific screen configuration and / or a specific function.

According to another exemplary embodiment of the present invention, the code information may be omitted in the data unit 420 of the card storage information, and in this case, according to an operation procedure defined in ISO / IEC 7816 and / or ISO / IEC 14443. The card storage information is read from the IC card and provided to the payment terminal device 100, and the payment terminal device 100 automatically drives the terminal program according to the present invention using the read card storage information. Or it can provide dynamic configuration.

5 is a diagram illustrating an implementation method for operating a payment terminal device 100 according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates a terminal program that is automatically driven and / or dynamically set based on code information shown in FIG. 3 or FIG. 4 among terminal programs provided in the payment terminal device 100. A software structure for each hierarchical structure defined in FIG. 105, at least one or more peripheral devices interoperating with the control unit 105, and a predetermined storage medium 150 are provided. Using a credit settlement program that generates a predetermined payment approval request text as a terminal program that is automatically driven and / or dynamically set based on code information read from the terminal and performs a credit settlement procedure.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 5, and through the code information shown in the drawing 3 or 4, the present invention may be used in a terminal program other than the credit settlement program. Various implementation methods for providing automatic driving and / or dynamic setting of a terminal program according to the present invention may be inferred, and the present invention includes all the implementation methods inferred above and is not limited to the implementation methods illustrated in FIG. No.

Referring to FIG. 5 according to an embodiment of the present invention, a credit settlement program that is automatically driven and / or dynamically set based on code information read from a predetermined card is shown above an operating system provided in the payment terminal device 100. In the process of the credit settlement program generating a predetermined payment approval request message, predetermined terminal information (eg, a terminal number for the payment terminal device 100) included in the payment approval request message is transmitted through the operating system. Read and use the dynamic terminal information storage area 505 defined in the read / write memory of the storage medium.

Referring to FIG. 5, the terminal controller 205 illustrated in FIG. 2 is provided in the form of a terminal control program included in an operating system included in the payment terminal device 100. The terminal control program corresponding to the controller 205 is not included in the operating system, but may be provided in the form of a terminal program operating on the operating system, and the present invention is not limited thereto.

In addition, the information confirming unit 200 shown in Figure 2 is characterized in that it is provided in the form of a card reader program operating on an operating system higher than that provided in the payment terminal device 100, based on the operating system Through the I / O interface 170 and I / O interface 170 to access a predetermined card reader device provided in the payment terminal device 100, and reads the predetermined information from the predetermined card through the card reader device It is characterized by reading.

According to another exemplary embodiment of the present invention, the card reader program corresponding to the information checking unit 200 may be included as part of the operating system according to the intention of the person skilled in the art, and the present invention is not limited thereto.

In FIG. 5, the storage medium 150 provided in the payment terminal device 100 includes at least one read only memory and a read / write memory, and the read only memory includes an actual terminal of the payment terminal device 100. A fixed terminal information storage area 500 is provided for storing fixed terminal information corresponding to the information. The read / write memory stores dynamic terminal information used by the credit settlement program to generate a predetermined payment approval request message. The dynamic terminal information storage area 505 is provided. In addition, the storage medium 150 includes card information including at least one or more code information read from a predetermined card through the card reader unit 110 and the dynamic terminal information storage area 505 corresponding to the card information. At least one terminal information to be copied) is stored in association with one-to-one matching.

While the payment terminal device 100 is booting (or after booting), the terminal control program dynamically stores the fixed terminal information stored in the fixed terminal information storage area 500 of the read-only memory. By copying to the terminal information storage area 505, the credit settlement program controls to generate a payment approval request message including actual terminal information of the payment terminal device 100 in the process of generating a predetermined payment approval request message. .

In addition, when the card information including predetermined code information is read through the card reader unit 110, the terminal control program checks whether the terminal information linked to the read card information is stored in the storage medium. And when the terminal information cooperatively processed with the read card information is stored, extracting the terminal information cooperatively processed with the read card information from the storage medium and storing the dynamic terminal information storage area of the read / write memory. In step 505, the credit settlement program generates a payment approval request message including dynamic terminal information corresponding to the card information in the process of generating a predetermined payment approval request message.

6 is a diagram illustrating an operation process of a payment terminal device 100 according to an embodiment of the present invention.

In more detail, FIG. 6 illustrates a terminal control unit provided in the payment terminal device 100 (eg, the payment terminal device 100) when the payment terminal device 100 is implemented as shown in FIG. 5. 205 and the information confirmation unit 200 generate the full text of the payment approval request in which the credit settlement program shown in FIG. 5 includes different dynamic terminal information based on the code information shown in FIG. 3 or 4. As an embodiment of the method for controlling to control, those of ordinary skill in the art to which the present invention pertains, the present invention in a terminal program other than the credit settlement program by referring to and / or modifying this figure 6 Various implementation methods for providing automatic driving and / or dynamic setting function of a terminal program according to the present invention may be inferred, and the present invention includes all the implementation methods inferred. In addition, it is not limited to the implementation method illustrated in FIG.

Referring to FIG. 6, when a predetermined power is supplied to the payment terminal device 100 implemented as shown in FIG. 5, a predetermined system booting procedure defined in the corresponding payment terminal device 100 is performed (600). ), While the system booting procedure is performed (or after being performed), the payment terminal device 100 uses the terminal information stored in the dynamic terminal information storage area 505 shown in FIG. Verify that the credit settlement program that generates the full request is running (and / or executed) (605).

If it is confirmed that the credit settlement program is driven (and / or executed) (610), the payment terminal device 100 stores the fixed terminal information stored in the fixed terminal information storage area 500 of the storage medium. By copying to the information storage area 505 (615), the credit settlement program is set to generate a full text of the payment approval request for credit settlement processing through the actual terminal information of the payment terminal device 100.

Thereafter, the payment terminal device 100 checks whether predetermined information is read from a predetermined card through a predetermined card reader device (620). If predetermined information is read from a predetermined card through the card reader device, 625, the payment terminal device 100 reads the read information to change the dynamic terminal information of the dynamic terminal information storage area 505 used by the credit settlement program included in the payment terminal device 100. Check whether the card information is (630).

According to an embodiment of the present invention, when the card is an MS card, the process of reading predetermined information from the MS card preferably follows the standard defined in ISO / IEC 7810, and the card is a contact type IC card. In the case where the predetermined information is read from the contact IC card, it is preferable to follow the standard defined in ISO / IEC 7816. If the card is a contactless IC card, the predetermined information is read from the contactless IC card. The procedure should preferably follow the standard defined in ISO / IEC 14443.

If the read information is not card information for changing the dynamic terminal information of the dynamic terminal information storage area 505 used by the credit settlement program (for example, if the credit card payment means information for credit settlement processing) (635) ), The payment terminal device 100 determines a predetermined operation procedure (e.g., if the read information is credit card payment means information for credit payment processing). A process of generating a payment approval request text including a credit settlement process) (640).

On the other hand, if the read information is card information for changing the dynamic terminal information of the dynamic terminal information storage area 505 used by the credit settlement program (635), the payment terminal device 100 is the storage medium 150 In operation 645, it is checked whether predetermined terminal information matched with the read card information is stored in association with the read card information.

If predetermined storage terminal information matched with the read card information is stored in the storage medium 150 (650), the payment terminal device 100 reads the read card from the storage medium 150. By extracting the terminal information associated with the information and copying to the dynamic terminal information storage area 505 (655), the credit settlement program through the terminal information corresponding to the card information read from the card for credit settlement processing Set to generate the full payment approval request.

Thereafter, the payment terminal device 100 periodically checks whether to copy the fixed terminal information stored in the fixed terminal information storage area 500 to the dynamic terminal information storage area 505 (660). When it is confirmed that the fixed terminal information stored in the fixed terminal information storage area 500 is copied to the information storage area 505 (for example, the terminal information corresponding to the card information is deleted in the dynamic terminal information storage area 505). Or, when the dynamic terminal information of the dynamic terminal information storage area 505 is returned to the boot initial value (fixed terminal information) (665), the payment terminal device 100 is a fixed terminal of the storage medium. By copying the fixed terminal information stored in the information storage area 500 to the dynamic terminal information storage area 505 (615), the credit settlement program performs the credit settlement process through the actual terminal information of the payment terminal device 100.Set to generate the full payment approval request for.

7A and 7B illustrate an operation process of generating a predetermined payment approval request full text in a credit settlement program provided in the payment terminal device 100 according to an embodiment of the present invention.

7a and 7b show the credit terminal provided in the payment terminal device 100 when the payment terminal device 100 implemented as shown in FIG. 5 operates as shown in FIG. As a payment program illustrates that a payment subject and a payment object generate different payment approval request texts, specifically, FIG. 7a illustrates a payment approval request in which a payment terminal device 100 provided in a predetermined pharmacy includes actual terminal information. An example of operating a payment terminal device 100 that generates a full text is illustrated, and FIG. 7B illustrates a payment approval request message including terminal information corresponding to predetermined card information by the same payment terminal device 100 provided in a predetermined pharmacy. It illustrates an operation process of the payment terminal 100 to generate a.

Referring to FIG. 7A, the payment terminal device 100 provided in a predetermined pharmacy generates a full payment approval request message including actual terminal information (eg, fixed terminal information stored in the fixed terminal information storage area 500). In this case, the merchant corresponding to the full payment approval request is the pharmacy.

Referring to FIG. 7B, the payment terminal device 100 provided in the pharmacy includes terminal information corresponding to the card information through an operation procedure shown in FIG. 6 based on card information read from a predetermined card. Characterized by generating a payment approval request full text. For example, if the card is a collection card of an employee of a pharmaceutical company that has delivered a predetermined drug to a pharmacy, the affiliated store corresponding to the payment approval request message becomes a pharmaceutical company that has supplied the predetermined drug to the pharmacy.

Figure 8 illustrates the full payment approval request generated by the credit settlement program provided in the payment terminal device 100 according to an embodiment of the present invention.

In more detail, in FIG. 8, when the payment terminal device 100 implemented as shown in FIG. 5 operates as shown in FIG. 6, the credit settlement program provided in the payment terminal device 100 As an example of a payment approval request message generated by including the dynamic terminal information, the credit settlement program uses different terminal information dynamically stored in the dynamic terminal information storage area 505 based on the card information. The payment entity and / or payment object may generate various payment approval request texts different from each other.

Referring to FIG. 8, the payment approval request full-text structure may include at least one specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03), And a checksum (CRC-CCITT) for the specialized information after the terminating character, and includes a transaction classification item (eg, a credit approval request, a credit approval cancellation, etc.) related to the credit card settlement; A Terminal_ID item for the payment terminal device 100, a POS Entry Mode item, and a TRACK II Data item corresponding to payment method information obtained from a predetermined card through a card reader provided in the payment terminal device 100 (eg, Credit card information obtained from the Primary Account Number (PAN) area of the TRACK II and additional data (AD) and / or Discretionary Data (DD) area of the MS Card, or credit card information obtained from the credit card file of the IC card. To After the FS (File Separator, 0X1C), it includes the installment month item, the total amount item, and the service fee item corresponding to the credit card payment information, and also the working key index item, password item, product Code item and document serial number item are included. Persons of ordinary skill in the art to which the present invention pertains can clearly understand the details of each item included in the credit card payment request specialized part based on the contents shown in FIG. Detailed description thereof will be omitted.

According to the exemplary embodiment of the present invention, the payment approval request terminal's Terminal_ID item may be dynamically changed by different dynamic terminal information dynamically stored in the dynamic terminal information storage area 505. And / or create a full set of payment approval requests with different payment objects.

Figure 9 illustrates the full payment approval received by the credit settlement program provided in the payment terminal device 100 according to an embodiment of the present invention.

In more detail, in FIG. 9, when the payment terminal device 100 implemented as shown in FIG. 5 operates as shown in FIG. 6, the payment corresponding to the payment approval request text illustrated in FIG. 8 is performed. It illustrates the payment approval received by the credit settlement program provided in the terminal device 100.

Referring to FIG. 9, the approval preamble structure includes at least one or more preamble information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03), and the termination. After the character is characterized in that it further comprises a checksum (CRC-CCITT) for the specialized information, the transaction classification item corresponding to the transaction classification associated with the credit card payment included in the composite message shown in Figure 8 ( For example, credit approval request, credit approval cancellation, etc., Terminal_ID items and status value items (eg, 'O': credit card payment request normal approval, 'X': credit card payment request denied for the payment terminal device 100). ), Transaction date and time item, message 1 item, message 2 item, message 3 item, message 4 item, authorization number item (e.g., if the status value is 'O', credit approval number, or the status value is 'X') , Credit card chargeback reason codes), Entering ID item, card company (bank) type name item, issuer ID item, document serial number item included in the compound message shown in the drawing 8, merchant number item, purchaser item, comment item, HELP DESK PHONE NO item , A PIN DATA item and a Control_Flag item. Those skilled in the art to which the present invention pertains can clearly understand the details of each approval result item included in the credit card payment approval specialist with reference to FIG. Description is omitted.

According to an embodiment of the present invention, the payment approval terminal_ID item corresponds to the dynamic terminal information dynamically changed in FIG. 8, whereby the payment subject and / or payment object are different from each other to the payment terminal device 100. Various payment approval messages may be received.

10A and 10B are diagrams illustrating a credit settlement receipt according to an embodiment of the present invention.

In more detail, FIGS. 10A and 10B illustrate a case in which the payment terminal device 100 implemented as shown in FIG. 5 operates as shown in FIG. 6 in response to the full payment approval illustrated in FIG. As an example of a printed payment receipt printed out, specifically, FIG. 10a illustrates a credit settlement receipt processed using actual terminal information as shown in FIG. 7a, and FIG. 10b is shown in the card information as shown in FIG. 7b. It illustrates an example of a credit settlement receipt processed by credit using the corresponding terminal information.

Referring to FIGS. 10A and 10B, the terminal number item, the merchant name item, the merchant number item, the business registration number item, and / or the inquiry despite being printed through the same payment terminal device 100 in the credit receipt. It is possible to confirm that the telephone items are different from each other, whereby the payment subject and / or the payment object may perform different payment processing through one payment terminal device 100.

FIG. 11 illustrates an IC card in which predetermined card storage information is stored according to another exemplary embodiment of the present invention.

In more detail, FIG. 11 illustrates an embodiment of an IC card for storing predetermined card storage information for providing an automatic driving and / or dynamic setting function for a terminal program provided in a predetermined payment terminal device 100. As a convenience, FIG. 11 illustrates a case where card storage information for providing automatic driving and / or dynamic setting of the terminal program among card information according to the present invention is stored in a memory of a contact type IC card. Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 11 to automatically drive and / or dynamically configure a terminal program according to the present invention of a contactless IC card and / or a wireless IC chip. An embodiment in which the card storage information is provided may be inferred, and the present invention includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG. For convenience, description overlapping with the above-described Figure 4 will be omitted.

According to the present invention, the memory unit of the IC chip terminates at least one or more programs that are loaded in the card terminal and is already driven, and drives a specific program among a plurality of programs stored in the card terminal, or Card storage information for executing a function of converting a screen configuration and / or a function set in the card terminal into a specific screen configuration and / or a specific function is stored, wherein the card storage information is read by a terminal program. And is driven or executed by a data unit 420 for storing a data set corresponding to predetermined information or data to be read and / or used, and an instruction set provided by a calculation function and a COS of the processor unit In the case of a program routine (eg, Javacard) used by the terminal program JAVA Applet) is provided with a processing unit corresponding to an application including an instruction call code that interacts with the instruction set of the COS and execution code that is processed by the processor unit. .

Referring to FIG. 11 according to an embodiment of the present invention, the data unit 420 of the card storage information provides an automatic driving and / or dynamic setting function for a terminal program included in a predetermined payment terminal device 100. And storing predetermined card storage information, wherein the card storage information is read from the IC card according to an operation procedure defined in ISO / IEC 7816 and / or ISO / IEC 14443. The payment terminal device 100 may provide an automatic driving and / or dynamic setting function of the terminal program according to the present invention by using the read card storage information.

According to the exemplary embodiment of the present invention, the data unit 420 of the card storage information is stored in association with predetermined code information and terminal information, thereby storing the storage medium 150 of the payment terminal device 100. The card storage information is loaded into the card terminal to terminate at least one or more programs that are already running, and the plurality of programs stored in the card terminal are not stored in a state in which at least one card information and terminal information are not linked to and stored in the card terminal. A specific program can be driven, or a function of converting the screen configuration and / or function set in the card terminal into a specific screen configuration and / or a specific function can be executed.

According to another exemplary embodiment of the present invention, the code information may be omitted in the data unit 420 of the card storage information, and in this case, according to an operation procedure defined in ISO / IEC 7816 and / or ISO / IEC 14443. The card storage information is read from the IC card and provided to the payment terminal device 100, and the payment terminal device 100 automatically drives the terminal program according to the present invention using the read card storage information. Or it can provide dynamic configuration.

12 is a view showing an embodiment for the operation of the payment terminal 100 according to another embodiment of the present invention.

In more detail, FIG. 12 illustrates a terminal program automatically driven and / or dynamically set based on the card storage information shown in FIG. 11 among terminal programs provided in the payment terminal device 100. A software structure for each layer defined in the above, at least one or more peripheral devices interoperating with the control unit 105, and a predetermined method for a storage medium 150. For convenience, this figure 12 reads from a predetermined card. Using a credit settlement program to generate a predetermined payment approval request full text as a terminal program that is automatically driven and / or dynamically set based on the stored card information, and performs a credit settlement procedure.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 12 and according to the present invention in a terminal program other than the credit settlement program through the card storage information shown in FIG. Various implementation methods for providing automatic driving and / or dynamic setting of a terminal program may be inferred, and the present invention includes all the implementation methods inferred above and is not limited to the implementation method illustrated in FIG. For convenience, descriptions overlapping with the above-described FIG. 5 will be omitted.

Referring to FIG. 12 according to an embodiment of the present invention, a credit settlement program that is automatically driven and / or dynamically set based on card storage information read from a predetermined card is placed on an upper operating system of the payment terminal device 100. While the credit settlement program generates a predetermined payment approval request message, predetermined terminal information (eg, a terminal number for the payment terminal device 100) included in the payment approval request message is displayed in the operating system. Read and write to the dynamic terminal information storage area 505 defined in the read / write memory of the storage medium through.

In FIG. 12, the storage medium 150 provided in the payment terminal device 100 includes at least one read only memory and a read / write memory, and the read only memory includes an actual terminal of the payment terminal device 100. A fixed terminal information storage area 500 is provided for storing fixed terminal information corresponding to the information. The read / write memory stores dynamic terminal information used by the credit settlement program to generate a predetermined payment approval request message. The dynamic terminal information storage area 505 is provided. In addition, the storage medium 150 may include at least one of code information included in at least one or more card storage information that is read from a predetermined card through the card reader 110 among the driven (and / or executed) terminal programs. One-to-one matching and storing of the terminal program information, whereby a terminal program corresponding to at least one card storage information read from the card among the terminal program driven (and / or executed) in the payment terminal device 100 is already stored. You can immediately see if it is up and / or running.

According to another exemplary embodiment of the present invention, a card reader program corresponding to the information checking unit 200 is read from the card by searching for and reading a process that is currently driven (and / or executed) in association with the operating system. If it is possible to determine whether the terminal program corresponding to the at least one card storage information is pre-run (and / or executed), the code information contained in the at least one card storage information read from the card to the storage medium 150 and At least one terminal program information may not be stored in a one-to-one match, and the present invention is not limited thereto.

13 is a diagram illustrating an operation process of a payment terminal device 100 according to another embodiment of the present invention.

In detail, FIG. 13 illustrates a terminal control unit provided in the payment terminal device 100 (eg, the payment terminal device 100) when the payment terminal device 100 is implemented as shown in FIG. 12. 205 and the information confirmation unit 200 controls the credit settlement program shown in FIG. 12 to generate a full text of the payment approval request including different dynamic terminal information based on the code information shown in FIG. As an embodiment of the process, those skilled in the art to which the present invention pertains, the terminal according to the present invention in a terminal program other than the credit settlement program by referring to and / or modified in this figure 13 It will be possible to infer various implementation methods that provide for automatic driving and / or dynamic setting of a program, and the present invention includes all such implementation methods inferred, It is not limited to the implementation method illustrated in FIG.

Referring to FIG. 13, when a predetermined power is supplied to the payment terminal device 100 implemented as shown in FIG. 12, a predetermined system booting procedure defined in the corresponding payment terminal device 100 is performed (1300). ), While the system booting procedure is performed (or after being performed), the payment terminal device 100 uses the terminal information stored in the dynamic terminal information storage area 505 shown in FIG. Check that the credit settlement program generating the full request is running (and / or executed) (1305).

If it is confirmed that the credit settlement program is driven (and / or executed) (1310), the payment terminal device 100 is a fixed terminal information stored in the fixed terminal information storage area 500 of the storage medium of the dynamic terminal By copying to the information storage area 505 (1315), the credit settlement program is set to generate a full payment approval request message for credit settlement processing through actual terminal information of the payment terminal device 100.

Thereafter, the payment terminal device 100 checks whether predetermined information is read from a predetermined card through a predetermined card reader device (1320). If predetermined information is read from a predetermined card through the card reader device, In operation 1325, the payment terminal device 100 reads the read information to change the dynamic terminal information of the dynamic terminal information storage area 505 used by the credit settlement program included in the payment terminal device 100. Check whether the card information (or code information included in the card information) (1330).

According to an embodiment of the present invention, when the card is an MS card, the process of reading predetermined information from the MS card preferably follows the standard defined in ISO / IEC 7810, wherein the card is a contact IC card. If the process of reading the predetermined information from the contact IC card is preferably in accordance with the standard defined in ISO / IEC 7816, if the card is a contactless IC card to read the predetermined information from the contactless IC card The process should preferably follow the standard defined in ISO / IEC 14443.

If the read information is not card information (or code information included in the card information) for changing the dynamic terminal information of the dynamic terminal information storage area 505 used by the credit settlement program (for example, the credit settlement process is performed). If the credit card payment means for the information) (1335), the payment terminal 100 is a predetermined operation procedure (for example, the read information is credit card payment means for credit processing) defined in response to the read information If it is information, a procedure of generating a payment approval request text including the credit card payment means information and processing a credit settlement is performed (1340).

On the other hand, if the read information is card information (or code information included in the card information) for changing the dynamic terminal information of the dynamic terminal information storage area 505 used by the credit settlement program (1335), the payment terminal device 100 determines whether a terminal program corresponding to code information included in the read card information is pre-driven (and / or executed) in cooperation with the storage medium 150 (1345).

If the terminal program corresponding to the code information included in the read card information is pre-driven (and / or executed) (1350), the payment terminal device 100 receives the card from the card through the card reader device. By reading predetermined terminal information corresponding to code information and copying the read terminal information to the dynamic terminal information storage area 505 (1355), the credit settlement program corresponds to the card information read from the card. Set to generate the full payment approval request for credit settlement processing through the terminal information.

Thereafter, the payment terminal device 100 periodically checks whether to copy the fixed terminal information stored in the fixed terminal information storage area 500 to the dynamic terminal information storage area 505 (1360). When it is confirmed that the fixed terminal information stored in the fixed terminal information storage area 500 is copied to the information storage area 505 (for example, the terminal information corresponding to the card information is deleted in the dynamic terminal information storage area 505). Alternatively, when the dynamic terminal information of the dynamic terminal information storage area 505 is returned to the boot initial value (fixed terminal information) (1365), the payment terminal device 100 is fixed terminal information of the storage medium. By copying the fixed terminal information stored in the storage area 500 to the dynamic terminal information storage area 505 (1315), the credit settlement program processes the credit settlement through the actual terminal information of the payment terminal device 100. To be set up to create a professional payment authorization request.

14 is a view showing an embodiment for the operation of the payment terminal 100 according to another embodiment of the present invention.

More specifically, Figure 14 is based on the card information (for example, code information provided on the IC card, or card storage information, etc.) shown in Figure 3 or Figure 4 of the terminal program provided in the payment terminal device 100; In order to explain a terminal program that is automatically driven and / or dynamically set in accordance with the present invention, a layered software structure defined in the control unit 105 and at least one peripheral device interworking with the control unit 105 are provided. The present invention relates to a method of implementing a predetermined storage medium 150.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 14, and through the card information shown in the drawing 3 or 4, the present invention may be used in a terminal program other than the credit settlement program. Various implementation methods for providing automatic driving and / or dynamic setting of a terminal program according to the present invention may be inferred, and the present invention includes all the implementation methods inferred above and is not limited to the implementation methods illustrated in FIG. No. For convenience, descriptions overlapping with those of FIGS. 5 to 12 will be omitted.

Referring to FIG. 14 according to an embodiment of the present invention, the storage medium 150 provided in the payment terminal device 100 may include at least one terminal program that may be driven (and / or executed) in the payment terminal device 100. And the terminal program is driven (and / or executed) in response to the card information read from the card through the card reader device. The payment information and at least one card information read from a predetermined card to confirm the terminal program (driven and / or executed) of the at least one terminal program that can be driven (and / or executed) in the payment terminal device 100 and the payment One-to-one matching and storing of terminal program information previously driven (and / or executed) by the terminal device 100, thereby driving to the payment terminal device 100. Among the (and / or executed) terminal programs, the terminal program corresponding to at least one or more card information read from the card may be immediately checked (and / or executed).

For example, when a terminal program that matches card information read from the card among at least one terminal program that can be driven (and / or executed) in the payment terminal device 100 is a discount coupon program, a predetermined card is provided through the card. At the same time as the payment processing, the payment terminal device 100 reads the card information from the card, and automatically runs a predetermined discount coupon program associated with the card information to provide a discount coupon service corresponding to the card payment. It can be provided, thereby eliminating the inconvenience that the card user orally requests the discount coupon service to the payment terminal device 100 operator to receive the discount coupon service, and also the payment terminal device 100 In order to provide a discount coupon service to the card user, the operator may have a discount coupon service. This can eliminate the inconvenience of visually checking whether the card is possible. In particular, when the card is an IC card and / or a wireless IC chip equipped with an open platform, and the card user arbitrarily mounts a predetermined discount coupon applet (or application) on the card (eg, a discount coupon applet (or application) ) If it is not possible to check whether it is mounted visually), the discount coupon applet (or application) is provided with the card information according to the present invention, the payment terminal device 100 is provided with a discount coupon program corresponding to the card information As a result, the card user can receive a discount coupon service at the same time as a predetermined payment process through the card.

According to another exemplary embodiment of the present invention, a card reader program corresponding to the information checking unit 200 is read from the card by searching for and reading a process that is currently driven (and / or executed) in association with the operating system. When it is possible to determine whether the terminal program corresponding to at least one or more card information is pre-run (and / or executed), at least one of code information included in at least one or more card information read from the card to the storage medium 150. The above terminal program information may be stored without one-to-one matching, and thus, the present invention is not limited thereto.

15 is a flowchart illustrating an operation process of a payment terminal device 100 according to another embodiment of the present invention.

More specifically, FIG. 15 illustrates a terminal control unit provided in the payment terminal device 100 (eg, the payment terminal device 100) when the payment terminal device 100 is implemented as shown in FIG. 14. 205 and the information checking unit 200 control the terminal program shown in FIG. 14 to be dynamically driven (and / or executed) based on the card information shown in FIG. 3 or 4. As one embodiment, if one of ordinary skill in the art to which the present invention pertains, the terminal program according to the present invention is automatically converted to another terminal program other than the credit settlement program by referring to and / or modifying the drawing 15. It will be possible to infer various implementations that provide drive and / or dynamic configuration functionality, and the present invention encompasses all implementations inferred above, and is illustrated in FIG. It shall not be limited.

Referring to FIG. 15, when a predetermined power is supplied to the payment terminal device 100 implemented as shown in FIG. 14, a predetermined system booting procedure defined in the corresponding payment terminal device 100 is performed (1500). In operation 1505, if the predetermined information is read from the predetermined card through the predetermined card reader device, the predetermined information is read from the predetermined card through the card reader device (1510). The 100 reads the read information and checks whether the card information dynamically drives (and / or executes) a predetermined terminal program that can be driven (and / or executed) by the payment terminal apparatus 100 (1515). ).

According to an embodiment of the present invention, when the card is an MS card, the process of reading predetermined information from the MS card preferably follows the standard defined in ISO / IEC 7810, and the card is a contact type IC card. In the case where the predetermined information is read from the contact IC card, it is preferable to follow the standard defined in ISO / IEC 7816. If the card is a contactless IC card, the predetermined information is read from the contactless IC card. The procedure should preferably follow the standard defined in ISO / IEC 14443.

If the read information is not card information for dynamically driving (and / or executing) a predetermined terminal program that can be driven (and / or executed) in the payment terminal device 100 (for example, for credit settlement processing). If the credit card payment means information) (1520), the payment terminal device 100 is a predetermined operation procedure (for example, the read information is credit card payment means information for credit payment processing) defined in response to the read information If so, a process of generating a payment approval request message including the credit card payment means information and processing a credit settlement is performed (1525).

On the other hand, if the read information is card information for dynamically driving (and / or executing) a predetermined terminal program that can be driven (and / or executed) by the payment terminal device (1520), the payment terminal device ( In operation 1530, the terminal 100 determines whether a terminal program corresponding to the read card information is pre-driven (and / or executed) in cooperation with the storage medium 150.

If the terminal program corresponding to the read card information is pre-driven (and / or executed) (1535), the payment terminal device 100 determines a predetermined value corresponding to the read card information from the storage medium 150. The terminal program of (or / or executed) is driven (1540).

Thereafter, the payment terminal device 100 periodically checks whether the terminal program corresponding to the read card information is terminated (1545). If the terminal program corresponding to the read card information is terminated, In operation 1550, the payment terminal device 100 terminates the driven (and / or executed) terminal program in response to the read card information (1555).

16 is a view showing an IC card storing a terminal program in predetermined card storage information according to another embodiment of the present invention.

In more detail, in FIG. 16, a predetermined terminal program that can be driven (and / or executed) by a predetermined payment terminal device 100 is stored in a predetermined IC card memory unit (1), and then the terminal program is stored in a predetermined payment terminal. An embodiment of an IC card loaded into the device 100 and storing the card storage information for providing the automatic driving and / or dynamic setting function of the terminal program according to the present invention, Figure 16 is a contact IC for convenience The card information stored in the memory of the card, which provides automatic driving and / or dynamic setting of the terminal program, is stored in the card information according to the present invention. Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 16 to automatically drive and / or dynamically configure a terminal program according to the present invention of a contactless IC card and / or a wireless IC chip. An embodiment in which the card storage information is provided may be inferred, and the present invention includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG. For convenience, descriptions overlapping with those of FIGS. 4 to 11 will be omitted.

According to the present invention, the memory unit of the IC chip terminates at least one or more programs that are loaded in the card terminal and is already driven, and drives a specific program among a plurality of programs stored in the card terminal, or Card storage information for executing a function of converting a screen configuration and / or a function set in the card terminal into a specific screen configuration and / or a specific function is stored, wherein the card storage information is read by a terminal program. And is driven or executed by a data unit 420 for storing a data set corresponding to predetermined information or data to be read and / or used, and an instruction set provided by a calculation function and a COS of the processor unit In the case of a program routine (eg, Javacard) used by the terminal program JAVA Applet) is provided with a processing unit corresponding to an application including an instruction call code that interacts with the instruction set of the COS and execution code that is processed by the processor unit. .

Referring to FIG. 16 according to an embodiment of the present invention, the data unit 420 of the card storage information stores a predetermined terminal program code that can be driven by a predetermined payment terminal device 100. The terminal program is read from the IC card and provided to the payment terminal device 100 according to the operation procedures defined in ISO / IEC 7816 and / or ISO / IEC 14443, and the payment terminal device 100 is read from the terminal. The program may be driven (and / or executed) to provide an automatic driving and / or dynamic setting function of the terminal program according to the present invention.

According to the method of the present invention, the data unit 420 of the card storage information is preferably stored in association with the predetermined code information and the terminal program code, whereby the storage medium 150 of the payment terminal device 100 The card storage information is loaded into the card terminal in a state in which the predetermined terminal program code that is dynamically driven (and / or executed) in the payment terminal device 100 and the predetermined card information are not cooperatively stored. Terminating at least one or more of the programs that are already running, driving a particular program among a plurality of programs stored in the card terminal, or specifying a screen configuration and / or function set in the card terminal. You can execute a function that converts it to a function.

According to another exemplary embodiment of the present invention, the code information may be omitted in the data unit 420 of the card storage information, and in this case, according to an operation procedure defined in ISO / IEC 7816 and / or ISO / IEC 14443. The card storage information is read from the IC card and provided to the payment terminal device 100, and the payment terminal device 100 automatically drives the terminal program according to the present invention using the read card storage information. Or it can provide dynamic configuration.

FIG. 17 is a diagram illustrating an implementation method for operating a payment terminal device 100 according to another embodiment of the present invention.

More specifically, FIG. 17 shows card information (eg, code information provided on an IC card, card storage information, etc.) and terminal program code shown in FIG. 16 among the terminal programs provided in the payment terminal device 100. In order to explain a terminal program that is automatically driven and / or dynamically set in accordance with the present invention, a layered software structure defined in the controller 105 and at least one peripheral device interoperating with the controller 105 are provided. And a method for implementing a predetermined storage medium 150.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 17, and the terminal according to the present invention in a terminal program other than the credit settlement program through the card information shown in the drawing 16. Various implementation methods that provide automatic drive and / or dynamic setting of a program may be inferred, and the present invention includes all implementation methods inferred above and is not limited to the implementation methods illustrated in FIG. For convenience, description overlapping with FIGS. 5 to 12 to 14 will be omitted.

Referring to FIG. 17 according to an embodiment of the present invention, the storage medium 150 provided in the payment terminal device 100 may include at least one terminal program that may be driven (and / or executed) in the payment terminal device 100. One-to-one correspondence between at least one or more card information read from a predetermined card and terminal program information pre-driven (and / or executed) in the payment terminal device 100 to identify a terminal program that has been driven (and / or executed) in the middle. The terminal program corresponding to at least one or more card information read from the card among the terminal programs driven (and / or executed) by the payment terminal device 100 is pre-driven (and / or executed). You can check immediately.

For example, when a terminal program that matches card information read from the card among at least one terminal program that can be driven (and / or executed) in the payment terminal device 100 is a discount coupon program, a predetermined card is provided through the card. At the same time as the payment processing, the payment terminal device 100 reads the card information from the card, and the predetermined discount coupon program associated with the card information is read in the payment terminal device 100 through the card information. If the predetermined discount coupon program associated with the card information is not already driven (or executed) in the payment terminal device 100, the card from the card is checked. Read the discount program code associated with the information, the payment terminal device 100 automatically reads the read discount program code The discount coupon service corresponding to the payment of the card may be provided to the card user, thereby providing the discount coupon service to an operator of the payment terminal device 100 orally to receive the discount coupon service. The inconvenience of the request can be eliminated, and the operator of the payment terminal device 100 can eliminate the inconvenience of visually confirming whether the card is a discount coupon service-enabled card in order to provide a discount coupon service to the card user. Can be.

According to another exemplary embodiment of the present invention, a card reader program corresponding to the information checking unit 200 is read from the card by searching for and reading a process that is currently driven (and / or executed) in association with the operating system. If it is possible to determine whether the terminal program corresponding to at least one or more card information is pre-run (and / or executed), the code information included in at least one or more card information read from the card to the storage medium 150 and at least One or more terminal program information may not be stored in one-to-one matching, and thus the present invention is not limited thereto.

18 is a diagram illustrating an operation process of a payment terminal device 100 according to another embodiment of the present invention.

More specifically, FIG. 18 illustrates a terminal control unit provided in the payment terminal device 100 (eg, the payment terminal device 100) when the payment terminal device 100 is implemented as shown in FIG. 17. 205 and the information checking unit 200 control the terminal program shown in FIG. 17 to be dynamically driven (and / or executed) based on the card information shown in FIG. As for those skilled in the art to which the present invention pertains, automatic driving of the terminal program according to the present invention in a terminal program other than the credit settlement program by referring to and / or modifying the drawing 18. Alternatively, various implementation methods for providing a dynamic setting function may be inferred, and the present invention includes all implementation methods inferred from the above, and is limited to the implementation methods illustrated in FIG. 18. Not.

Referring to FIG. 18, when predetermined power is supplied to the payment terminal device 100 implemented as shown in FIG. 17, a predetermined system booting procedure defined in the corresponding payment terminal device 100 is performed (1800). If the predetermined information is read from the predetermined card through the predetermined card reader device (1805), if the predetermined information is read from the predetermined card through the card reader device (1810), the payment terminal device The 100 determines whether the card information reads the read information to dynamically drive (and / or execute) a predetermined terminal program that can be driven (and / or executed) by the payment terminal apparatus 100 (1815). ).

According to an embodiment of the present invention, when the card is an MS card, the process of reading predetermined information from the MS card preferably follows the standard defined in ISO / IEC 7810, and the card is a contact type IC card. In the case where the predetermined information is read from the contact IC card, it is preferable to follow the standard defined in ISO / IEC 7816. If the card is a contactless IC card, the predetermined information is read from the contactless IC card. The procedure should preferably follow the standard defined in ISO / IEC 14443.

If the read information is not card information for dynamically driving (and / or executing) a predetermined terminal program that can be driven (and / or executed) in the payment terminal apparatus 100 (eg, for credit settlement processing), If the credit card payment means information 1820, the payment terminal 100 is a predetermined operation procedure (for example, the read information is credit card payment means information for credit payment processing) defined in response to the read information; If so, a procedure for generating a payment approval request message including the credit card payment means information and processing a credit settlement is performed (1825).

On the other hand, if the read information is card information for dynamically driving (and / or executing) a predetermined terminal program that can be driven (and / or executed) by the payment terminal device (1820), the payment terminal device ( In operation 1830, in operation 1830, the terminal program corresponding to the read card information is pre-driven (and / or executed) in cooperation with the storage medium 150.

If the terminal program corresponding to the read card information is pre-driven (and / or executed) (1835), the payment terminal device 100 determines a predetermined terminal program code corresponding to the card information read from the card. Read (1840) and drive (and / or execute) the read terminal program code to operate in the payment terminal device (1845).

Thereafter, the payment terminal device 100 periodically checks whether the terminal program corresponding to the read card information is terminated (1850). If the terminal program corresponding to the read card information is terminated, In operation 1860, the payment terminal device 100 terminates the driven (and / or executed) terminal program in response to the read card information (1860).

According to the present invention, at least one or more terminal programs pre-driven (and / or executed) in the card terminal apparatus are dynamically set automatically according to a purpose in response to the specific code and / or specific card storage information, or the card There is an advantage that a terminal program which is not driven (and / or executed) in the terminal is automatically driven according to the purpose in response to the specific code and / or specific card storage information.

According to the present invention, a payment approval request text generated by a predetermined payment program pre-driven (and / or executed) in the payment terminal device is automatically generated according to the purpose in response to the specific code and / or specific card storage information. By doing so, there is an advantage that the payment subject and / or the payment object is defined according to a purpose through one payment terminal device.

Claims (11)

1st (or 1st group) code or 1st (or 1st group) card storage information and 1st program (or 1st terminal setting information), 2nd (or 2nd group) code or 2nd (or 2nd) Group) card storage information and second program (or second terminal setting information), Nth (or Nth group) code or Nth (or Nth group) card storage information and Nth program (or Nth) A memory unit for storing the terminal setting information in association with each other so as to be provided in a one-to-one correspondence for each purpose; A card reader unit for reading a specific code or specific card storage information from the card by reading the card; The first (or first group) code or the first (or first group) card storage information stored in the memory unit in a code or card storage information corresponding to a specific code or specific card storage information read out through the card reader unit. An information checking unit for checking whether the information is present in the N th (or N th group) code or the N th (or N th group) card storage information; And As a result of confirming the information confirming unit, if a specific code read out through the card reader unit or a code or card storing information corresponding to the specific card storing information does not exist in the memory unit, a pre-run program (or a preset screen configuration) Or terminal function), As a result of confirming the information checking unit, if the specific code read out through the card reader unit or the code or card storing information corresponding to the specific card storing information exists in the memory unit, the first program (or A program that is provided and stored in one-to-one correspondence with a specific code or a card storage information corresponding to a specific code or specific card storage information read out through the card reader among the first terminal setting information) and the Nth program (or Nth terminal setting information) ( Or checking the terminal setting information) and if the previously running program (or preset screen configuration or terminal function) is different from the checked program (or terminal setting information), the previously running program (or preset screen configuration). Or terminal function) and run the checked program or the checked terminal setting information. And a terminal controller configured to set a terminal screen configuration or function so as to correspond thereto. The program, Generate the payment approval request text and send it to the server on the communication network. Characterized in that it performs a function of receiving a payment approval response message from a server on a communication network, The terminal setting information, Generate the payment approval request text and send it to the server on the communication network. Characterized in that the screen configuration setting information for receiving the payment approval response message from the server on the communication network, The card, Characterized in that it comprises at least one or more IC chip mounted on or detached from the IC card, mobile phone, The card storage information, Card terminal, characterized in that it comprises an applet (or application) stored on the IC chip memory mounted or detached in the mobile phone. delete delete delete delete delete A computer-readable recording medium having recorded thereon a program for executing a function of the apparatus component of claim 1. delete delete delete delete

Images