KR101992204B1 - Apparatus and Method of Emulationg for Relaying Payment System - Google Patents

Apparatus and Method of Emulationg for Relaying Payment System Download PDF

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Publication number
KR101992204B1
KR101992204B1 KR1020180059527A KR20180059527A KR101992204B1 KR 101992204 B1 KR101992204 B1 KR 101992204B1 KR 1020180059527 A KR1020180059527 A KR 1020180059527A KR 20180059527 A KR20180059527 A KR 20180059527A KR 101992204 B1 KR101992204 B1 KR 101992204B1
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KR
South Korea
Prior art keywords
card
terminal
payment
payment terminal
signal
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KR1020180059527A
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Korean (ko)
Inventor
이강익
김승훈
Original Assignee
에스트래픽 (주)
주식회사 텔큐온
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Priority to KR1020180059527A priority Critical patent/KR101992204B1/en
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Publication of KR101992204B1 publication Critical patent/KR101992204B1/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/353Payments by additional cards plugged into M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223Realising banking transactions through M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3278RFID or NFC payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction

Abstract

An emulating device and method in a payment relaying system are disclosed.
According to an aspect of the present invention, there is provided a payment relay apparatus for relaying a settlement of payment between a terminal and a settlement terminal, the settlement relay apparatus comprising: an RF antenna transmitting and receiving data to and from the settlement terminal using short- When receiving a signal for verifying, when receiving a signal for verifying whether a compatible data format is used from the payment terminal by providing data to the RF antenna so as to transmit a signal for authenticating the card, And an emulation module for providing data to the RF antenna so as to transmit a signal for authenticating use of a data format compatible with the payment terminal.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an apparatus and a method for emulating a payment relay system,

The present embodiment relates to an emulating apparatus and method in a payment relaying system.

The contents described in this section merely provide background information on the present embodiment and do not constitute the prior art.

The first-generation card was used in the range of the balance within the deposit account using a physical medium of a predetermined shape, or the amount used after the first use was later charged. Each card has a structure in which a card ID exists, which is charged, paid, and settled based on the card ID. In order to charge or settle, the information is exchanged between the card and payment terminal.

Information exchange takes place using signed data including the card and the unique key of the terminal. In other words, when a card is used, a unique key must never be exposed, and when a key is exposed, a third party may charge the card without paying the amount of money, or may issue a serious problem . In the case of a physical card, the unique key of the card is embedded in the card together with the card ID when issuing the card.

These physical first generation cards exist separately as physical media, so there was inconvenience in storage and management. Also, since the card can be used by anyone who has it, there is a problem that the use of a card by a third party can not be prevented when the card is lost.

To solve these problems when smart phones are widely used, app card applications that can be downloaded from smart phones are being launched. The app card application can partially compensate for the problems of the conventional physical first generation card by enabling a smartphone user to make payment at an on-line merchant without having to carry the actual credit card.

In the conventional method of payment of an app card at an offline merchant through an app card application, when a smart card in which an app card application is executed generates and displays a barcode including credit card information of a smartphone user, a credit authorization (CAT) Terminal) terminal, POS (point of sale) terminal, etc., by recognizing the credit card information of the smartphone user through barcode scanning and transmitting the payment amount information and credit card information to the credit card company server , App Card application transmits the credit card information of the smartphone user to the app card payment dongle through close communication between the smart card on which the app card application is executed and the app card payment dongle installed in the offline merchant, The POS terminal or the CAT terminal connected to the POS terminal transmits the payment amount information and the credit card information And the payment is transmitted to the credit card company server.

However, in such a conventional method, a user must activate a smart phone for payment and then activate an app card application for payment. In this case, payment can be performed only if the user takes the smart phone near the payment terminal, There is an inconvenience in which the operation is performed. If the user is carrying a heavy load or is in a situation where there are restrictions on both hands, the payment may be obstructed.

There is thus a need for a payment that is easier to use, while eliminating the problems of prior art physical first generation cards.

An object of the present invention is to provide a payment relaying apparatus, method and system for providing necessary data concerning physical verification so that a payment terminal can start settlement.

An object of the present invention is to provide a payment relaying apparatus, method and system for making a payment between a payment terminal and a card management server by transmitting and receiving data and signals between a payment terminal and a terminal using a payment relay apparatus .

It is another object of the present invention to provide a payment relaying apparatus, method and system that improves security by encrypting and decrypting data using a secret key in a process of transmitting and receiving data between the terminal and the relaying device.

According to an aspect of the present invention, there is provided a payment relay apparatus for relaying a settlement of payment between a terminal and a settlement terminal, the settlement relay apparatus comprising: an RF antenna transmitting and receiving data to and from the settlement terminal using short- When receiving a signal for verifying, when receiving a signal for verifying whether a compatible data format is used from the payment terminal by providing data to the RF antenna so as to transmit a signal for authenticating the card, And an emulation module for providing data to the RF antenna so as to transmit a signal for authenticating use of a data format compatible with the payment terminal.

According to an aspect of the present invention, the RF antenna is implemented as an NFC antenna for transmitting / receiving data to / from the payment terminal using NFC communication

According to an aspect of the present invention, the RF antenna is physically connected to the emulation module

According to an aspect of the present invention, there is provided a method of emulating a terminal and a payment terminal using a RF antenna, the method comprising the steps of: receiving a signal from the payment terminal to verify that the card is an eligible card; A first providing step of providing data to the RF antenna so as to transmit a signal for authenticating that the card is a proper card, a second receiving step of receiving a signal for verifying whether a compatible data format is used from the payment terminal, And a second providing step of providing data to the RF antenna so as to transmit a signal for authenticating the use of a data format compatible with the data format.

According to an aspect of the present invention, the RF antenna is implemented as an NFC antenna for transmitting / receiving data to / from the payment terminal using NFC communication

According to an aspect of the present invention, there is provided an emulating apparatus for controlling an RF antenna transmitting and receiving data to and from a payment terminal to allow a payment to be initiated, the apparatus comprising: And a data format compatible with the payment terminal is used when receiving a signal from the RF antenna to transmit a signal for authenticating that the card is an eligible card and verifying whether a compatible data format is used from the payment terminal And an emulation module for providing data to the RF antenna so as to transmit a signal for authenticating the emulator.

As described above, according to one aspect of the present embodiment, the payment relay apparatus can provide the necessary data regarding the physical verification so that the settlement terminal can start settlement, so that the settlement can be started even if the user does not move the terminal near the settlement terminal .

According to an aspect of the present invention, there is an advantage in that settlement between the settlement terminal and the card management server is performed even if the user does not execute the terminal and the application by transmitting and receiving data and signals between the settlement terminal and the terminal using the settlement relay device .

According to an aspect of the present invention, there is an advantage in that strong security is provided by encrypting / decrypting data using a secret key in a data transmission / reception process between a terminal and a relay device.

1 is a diagram illustrating a configuration of a payment relay system according to an embodiment of the present invention.
2 is a diagram illustrating a configuration of a terminal according to an embodiment of the present invention.
3 is a diagram illustrating a configuration of a payment relay apparatus according to an embodiment of the present invention.
4 is a diagram illustrating a configuration of a payment terminal according to an embodiment of the present invention.
5 is a timing chart illustrating a process of performing physical authentication according to an embodiment of the present invention.
6 is a flowchart illustrating a method of performing physical authentication by the payment relay apparatus according to an embodiment of the present invention.
FIG. 7 is a timing chart illustrating a process of performing settlement according to an embodiment of the present invention.
FIG. 8 is a flowchart illustrating a method for a payment relay apparatus according to an embodiment of the present invention to perform settlement.
FIG. 9 is a timing chart illustrating a process of performing physical authentication according to another embodiment of the present invention.
10 is a flowchart illustrating a method of performing physical authentication by the settlement relay apparatus according to another embodiment of the present invention.
FIG. 11 is a timing chart illustrating a process of performing settlement according to another embodiment of the present invention.
12 is a flowchart illustrating a method for a payment relay apparatus according to another embodiment of the present invention to perform settlement.
13 is a diagram illustrating a configuration of a payment relay system according to another embodiment of the present invention.
FIG. 14 is a diagram illustrating a configuration of a payment relay apparatus according to another embodiment of the present invention.

While the invention is susceptible to various modifications and alternative forms, specific embodiments thereof are shown by way of example in the drawings and will herein be described in detail. It should be understood, however, that the invention is not intended to be limited to the particular embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention. Like reference numerals are used for like elements in describing each drawing.

The terms first, second, A, B, etc. may be used to describe various elements, but the elements should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, the first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component. And / or < / RTI > includes any combination of a plurality of related listed items or any of a plurality of related listed items.

It is to be understood that when an element is referred to as being "connected" or "connected" to another element, it may be directly connected or connected to the other element, . On the other hand, when an element is referred to as being "directly connected" or "directly connected" to another element, it should be understood that there are no other elements in between.

The terminology used in this application is used only to describe a specific embodiment and is not intended to limit the invention. The singular expressions include plural expressions unless the context clearly dictates otherwise. It is to be understood that the term "comprises" or "having" in the present application does not preclude the presence or addition of features, numbers, steps, operations, components, parts, or combinations thereof described in the specification .

Unless otherwise defined, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs.

Terms such as those defined in commonly used dictionaries are to be interpreted as having a meaning consistent with the contextual meaning of the related art and are to be interpreted as either ideal or overly formal in the sense of the present application Do not.

In addition, each structure, process, process, or method included in each embodiment of the present invention can be shared within a range that does not technically contradict each other.

1 is a diagram illustrating a configuration of a payment relay system according to an embodiment of the present invention.

1, a payment relay system 100 according to an embodiment of the present invention includes a terminal 110, a payment repeater 120, an RF antenna 125, a payment terminal 130, and a card management server 140 ).

The terminal 110 is a device that intends to make settlement with the settlement terminal 130 by using the issued card.

The terminal 110 connects the payment relay apparatus 120 to a session for wireless communication. The terminal 110 scans the existing apparatus for connection of the session and recognizes a specific identifier of the payment relay apparatus 120 among the scanned apparatuses and connects the session with the payment relay apparatus 120. [ Here, the wireless communication may be any kind of connection type in which a session can be connected between the terminal 110 and the payment relay apparatus 120 without a separate input from the user of the terminal 110. For example, can do. When wireless communication is implemented in Bluetooth, the terminal 110 and the payment relay device 120 can be paired by connecting a session.

The terminal 110 transmits and receives necessary data after establishing a session with the payment relay apparatus 120. The terminal 110 must perform authentication to use the service provided by the payment relay system. The terminal 110 transmits the ID of the card issued by the payment relay device 120 to the payment relay device 120 so that the payment relay device 120 can confirm whether the card that the terminal 110 wants to use is a card subscribed to the service send.

The terminal 110 receives a signal for validating the card from the payment relay apparatus 120 and transmits a signal for authenticating the validity of the card to the payment relay apparatus 120. [ The terminal 110 receives a signal for verifying the validity of the card to be confirmed by the payment terminal 130 via the payment relay device 120 rather than the payment terminal 130. [ As described above, the terminal 110 does not need to be activated because the session is connected and communicated without the input of the payment relay device 120. The terminal 110 receives a signal to be confirmed by the payment terminal 130 from the payment relay apparatus 120 via the wireless communication instead of the payment terminal 130. Therefore, The transmission and reception of signals can be performed without bringing them to the vicinity of the settlement terminal 130. [

The terminal 110 receives a signal or signature for payment from the payment relay device 120 and transfers the signal or signature to the card management server 140 or the card management server 140 to the payment relay device 120 do. Also in this case, as described above, the terminal 110 does not need to be activated and the terminal 110 does not need to approach the settlement terminal 130.

The terminal 110 may transmit and receive encrypted data when transmitting and receiving data to and from the payment relay apparatus 120. [ As described above, since the terminal 110 uses wireless communication in which a session is connected to the payment relay apparatus 120 without a separate input, there is a problem that security becomes weak. In order to solve this problem, when the session is established with the payment relay apparatus 120, the terminal 110 receives the secret key from the payment relay apparatus 120. [ The secret key is a key generated by the payment relay device 120. The secret key is used by the terminal 110 and the payment relay device 120 to encrypt data to be transmitted or to receive and decrypt the encrypted data. Accordingly, the settlement relay system 100 can secure higher security.

The payment relay device 120 emulates the card so that physical authentication of the card is performed so that payment can be initiated and relays transmission and reception of data or signals between the payment terminal 130 and the terminal 110. [

A session for wireless communication is connected to the terminal 110 and the payment relay device 120. The payment relay device 120 has a specific identifier that the terminal 110 can easily check after scanning. The terminal 110 recognizes a specific identifier and couples the session with the payment relay apparatus 120. As described above, when the wireless communication is implemented in Bluetooth, the payment relay apparatus 120 may be paired with one terminal, and may be simultaneously paired with a plurality of terminals to transmit / receive signals or data to / from a plurality of terminals.

The payment relay device 120 receives the card ID from the terminal 110 and authenticates the card. The payment relay device 120 receives the ID of the card to be used by the terminal 110 from the terminal 110 using the connected session and confirms whether the card is a card subscribed to the service provided by the payment relay system.

When the card is a card to which the service is subscribed, the payment relay apparatus 120 controls the RF antenna 125 to perform physical verification with the payment terminal 130. In order to start settlement between the settlement terminal 130 and the card, the card must be close to the settlement terminal 130 for physical verification, and then settlement is started only after the software validation. The payment relay device 120 replaces the proximity of the terminal 110 including the card or the app card by controlling the RF antenna 125 to perform physical verification with the payment terminal 130. [ The payment relay device 120 is physically connected to the RF antenna 125 and identifies signals or data received by the RF antenna 125 and transmits a signal or data to be transmitted by the RF antenna 125 to the RF antenna 125 to provide. That is, when the RF antenna 125 receives a signal requesting physical verification of the card from the payment terminal 130, the payment relay device 120 transmits a signal for causing the RF antenna 125 to perform the physical authentication of the card And provides the signal to the RF antenna 125 so that it can be transmitted to the payment terminal 130. The payment relay device 120 recognizes the settlement terminal 130 as if there is a card that has been physically verified to perform settlement with the settlement terminal 130 in the vicinity of the settlement terminal 130. [ As a result, the settlement terminal 130 completes the physical verification for performing settlement.

The payment relay device 120 communicates with the payment terminal 130 using the RF antenna and wirelessly communicates with the terminal 110 through a connected session to transmit a signal or data to be transmitted and received for verification and settlement of the card to one From one device to another.

The payment relay device 120 can generate and store the secret key. The payment relay device 120 transmits the secret key to the terminal 110 as the session is connected to the terminal 110. [ At this time, the payment relay apparatus 120 can encrypt the secret key using the security key previously stored in both the terminal 110 and the payment relay apparatus 120, and transmits the encrypted secret key to the terminal 110 Can be sent. Since the terminal 110 and the payment repeater 120 encrypt / decrypt information transmitted / received by using the secret key, security is required in transmitting the secret key. The terminal 110 receiving the encrypted secret key decrypts using the previously stored secret key, and then encrypts the signal or data to be transmitted to the settlement relay device 120 using the secret key. Similarly, the payment repeater also encrypts signals or data to be transmitted to the terminal 110 using a secret key. Accordingly, weak security between the terminal 110 and the settlement relay device can be enhanced.

The RF antenna 125 is physically connected to the payment relay device 120 and transmits signals or data provided from the payment relay device 120 to the payment terminal 130 or signals or data received from the payment terminal 130 To the payment relay device (120). The RF antenna 125 transmits and receives signals and data using a local communication such as NFC communication with the settlement terminal 130. The RF antenna 125 performs communication with the payment terminal 130 using short-distance communication. Since the RF antenna 125 physically connected to the payment relay apparatus 120 communicates with the payment terminal 130, the payment relay apparatus 120 transmits the signal or data to be transmitted to the payment terminal 130).

The payment terminal 130 is a device that verifies a card to be accessed and performs payment with a card that has been verified.

The payment terminal 130 transmits a signal for performing physical and software verification of the card in a directed or non-directional manner at predetermined intervals. The payment terminal 130 performs physical and software verification of the card with the payment relay apparatus 120 or the terminal 110 by using the communication with the RF antenna 125. [

When the verification is completed, the payment terminal 130 performs settlement by finally communicating with the card management server 140 using the communication with the RF antenna 125. [ The settlement terminal 130 sends a digital signature to and receives a digital signature from the card management server 140, thereby requesting settlement of the settlement amount.

The card management server 140 is a device that performs settlement with the settlement terminal 130 using the card issued by the terminal 110. [

The card management server 140 communicates with the settlement terminal 130 via the terminal 110, the payment relay apparatus 120 and the RF antenna 125 and transmits and receives information required for settlement. The card management server 140 is connected to the terminal 110 using wireless communication such as LTE and Wi-fi and exchanges electronic signatures with the settlement terminal 140. The card management server 140 transmits a digital signature to the settlement terminal 140, Perform payment.

2 is a diagram illustrating a configuration of a terminal according to an embodiment of the present invention.

Referring to FIG. 2, a terminal 110 according to an embodiment of the present invention includes a communication module 210, a control module 220, and a memory unit 230.

The communication module 210 scans the devices existing within a certain range and receives an identifier of each device for session connection for wireless communication. Thereafter, the communication module 210 connects a session for wireless communication with the settlement relay device 120.

The communication module 210 receives the secret key from the payment relay device 120. The communication module 210 may receive the secret key encrypted by the secret key.

The communication module 210 transmits the card ID to the payment relay device 120. [ The communication module 210 can transmit the card ID encrypted using the secret key to the payment relay device 120. [

The communication module 210 receives the card validity verification signal from the payment relay device 120 and transmits the validity authentication signal of the card to the payment relay device 120. [ Likewise, the validation signal of the card and the validity authentication signal of the card may also be encrypted and transmitted / received.

The communication module 210 receives the settlement start signal from the payment relay device 120 and transmits it to the card management server 140. The communication module 210 receives the digital signature from the card management server 140 and transmits the electronic signature to the payment relay device 120 . The communication module 210 receives an electronic signature for requesting payment from the payment relay device 120 and transmits it to the card management server 140. The communication module 210 receives an electronic signature from the card management server 140 indicating that the payment has been completed To the payment relay device (120). Likewise, each electronic signature can also be transmitted and received encrypted.

The control module 220 recognizes a specific identifier of the payment relay device 120 among the scanned identifiers of the respective devices. Since the payment relay device 120 has a specific identifier that can be distinguished from other devices, the control module 220 recognizes the payment relay device 120 among the identifiers of the respective scanned devices. The control module 220 controls the communication module 210 to connect the session with the recognized payment relay device 120. [

When receiving the secret key from the payment relay apparatus 120, the control module 220 controls the memory unit 230 to store the secret key. In this case, when the secret key is encrypted and transmitted, the control module 220 decrypts the secret key using the stored security key in the memory unit 230, and stores the decrypted secret key in the memory unit 230.

When the secret key is received and stored, the control module 220 controls the communication module 210 to transmit the card ID to the payment relay device 120. [ At this time, the control module 220 encrypts the card ID using the secret key stored in the memory unit 230, and then controls and transmits the communication module 210.

When receiving the card validation signal, the control module 220 generates a signal for authenticating the card validity. The validation signal of the card is a software validation signal for confirming whether the terminal is using a valid application, whether it is a card subscribed to the service, and the like. The control module 220 generates a card validity authentication signal including a card ID or application information or the like in order to verify the validity of the card. The control module 220 controls the communication module 210 to transmit the card validity authentication signal to the payment relay device 120. [ The validation signal of the card may be received encrypted with the secret key, and the control module 220 may decrypt the signal using the secret key. After generating the card validity authentication signal, the control module 220 encrypts the validity signal using the secret key To be transmitted.

The control module 220 controls the communication module 210 to transfer the settlement start signal or the digital signature received from the configuration of either the payment relay device 120 or the card management server 140 to another configuration. At this time, when the encrypted signal or digital signature is received from the payment relay device 120 using the secret key, the control module 220 decrypts the decrypted signal and transmits the digital signature to the card management server 140. On the other hand, when a signal or digital signature is received from the card management server 140, the control module 220 encrypts it using the secret key and transmits it to the payment relay device 120. [

The memory unit 230 stores the identifier of the payment relay apparatus 120. [ The memory unit 230 stores the identifier of the payment relay apparatus 120 so that the session can be connected to the payment relay apparatus 120 even if the terminal 110 is not activated for session connection.

The memory unit 230 stores the ID of the issued card. The memory unit 230 stores the ID of the issued card so that the terminal 110 can prove to the payment relay apparatus 120 or the payment terminal 130 that the card issued by the terminal 110 is a card that can use the payment relay service .

The memory unit 230 stores the secret key received from the payment relay apparatus 120. [ In addition, the memory unit 230 stores a secret key for decrypting the secret key. The security key is stored in the memory unit 230 together with the payment relay apparatus 120.

3 is a diagram illustrating a configuration of a payment relay apparatus according to an embodiment of the present invention.

3, the payment relay apparatus 120 according to an exemplary embodiment of the present invention includes a communication module 310, a control module 320, a memory unit 330, and an emulation module 340.

When a session for wireless communication is connected, the communication module 310 transmits the secret key to the terminal 110. [

The communication module 310 receives the card ID from the terminal 110.

The communication module 310 transmits a validity signal of the card to the terminal 110 and receives a validity authentication signal of the card from the terminal 110.

The communication module 310 transmits a settlement start signal to the terminal 110 and receives the digital signature from the terminal 110. [ Transmits a digital signature for requesting settlement to the terminal 110, and receives from the terminal 110 an electronic signature indicating that settlement is completed.

When receiving the card ID from the terminal 110, the control module 320 confirms whether the card is a card subscribed to the service. The control module 320 compares the ID information of the card subscribed to the service stored in the memory unit 330 with the card ID received from the terminal 110 and confirms whether or not the card is subscribed to the service. The control module 320 controls the emulation module 340 to operate only when the card to be used by the terminal 110 is a card subscribed to the service.

The control module 320 generates a secret key and stores it in the memory unit 330. The control module 320 encrypts signals or data received from the payment terminal 140 using the secret key stored in the memory unit 330, And decrypts the received encrypted signal or data.

The control module 320 controls the communication module 310 to transfer the settlement start signal or the digital signature received from the configuration of the settlement terminal 130 or the card management server 140 to another configuration .

The memory unit 330 stores the secret key generated by the control module 320. In addition, the memory unit 330 stores a secret key for decrypting the secret key. The security key is stored in the memory unit 330 together with the terminal 110.

The memory unit 330 stores ID information of a card subscribed to the service. The memory unit 330 stores the ID information of the card subscribed to the service so that the card ID received by the control module 320 can be confirmed as a card subscribed to the service.

The memory unit 330 stores data for physical authentication of the card. The memory unit 330 stores information for authenticating the eligibility of the card and information for authenticating that a format conforming to the data format used by the payment terminal 140 is used as information required for physical authentication of the card . Here, the information for authenticating the card and the information for authenticating the data format may be information conforming to the international standard ISO / IEC 14443 of NFC.

An emulation module 340 is physically connected to the RF antenna 125 and provides information necessary for physical authentication of the card to the RF antenna 125. The emulation module 340 operates under the control of the control module 320 and provides the RF antenna 125 with information necessary for physical authentication of the card. When the RF antenna 125 receives a signal requesting verification of the card's qualification from the payment terminal 130, the emulation module 340 confirms the adequacy of the card stored in the memory unit 330 with the RF antenna 125 Information to be transmitted. This operation of the emulation module 340 allows the payment terminal 130 to recognize that a physically qualified card capable of performing settlement with itself exists nearby. When the RF antenna 125 receives a signal requesting verification of the data format used from the payment terminal 130, the emulation module 340 transmits the RF signal to the RF terminal 125, And transmits information for authenticating that the format conforming to the data format used by the terminal 140 is being used. By operating the emulation module 340 in this way, the payment terminal 130 can recognize that a card having the same data format as itself exists nearby. The emulation module 340 causes the payment terminal 130 and the physical authentication of the card to be performed so that the user of the terminal including the card or the application card must approach the card or the terminal for the physical authentication to the payment terminal 130 Can be solved.

4 is a diagram illustrating a configuration of a payment terminal according to an embodiment of the present invention.

4, the payment terminal 130 according to an exemplary embodiment of the present invention includes a communication module 410, a control module 420, and a memory unit 430.

The communication module 410 transmits a signal for physically verifying the card at predetermined intervals in order to check whether a card accessing the payment terminal 130 exists. More specifically, the communication module 410 transmits an eligibility verification signal of the card at predetermined intervals. When the card's eligibility authentication signal is received, the communication module 410 transmits a data format validation signal. The communication module 410 receives the data format authentication signal so that the physical verification of the card can be completed.

When the physical verification is completed, the communication module 410 transmits a validation signal of the card and receives the validity authentication signal of the card, thereby completing the software verification of the card.

When all the verification of the card is completed, the communication module 410 transmits a settlement start signal to the RF antenna 125. The communication module 410 receives the digital signature from the RF antenna 125. [ The communication module 810 transmits a digital signature for requesting settlement to the RF antenna 125 and receives an electronic signature from the RF antenna 125 to inform that the settlement is completed.

The control module 420 controls the communication module 410 to transmit an eligibility verification signal of the card at predetermined intervals. When the card's eligibility authentication signal is received, the control module 420 confirms that it is an eligible card. The control module 420 confirms the eligibility of the card by using data for confirming the card's suitability stored in the memory unit 430. [

If the card has eligibility, the control module 420 controls the communication module 410 to transmit the data format validation signal. When the data format authentication signal is received, the control module 420 checks whether the data format used by the card matches. The control module 420 confirms the data format used by the card by using the data for checking the stored data format in the memory unit 430. [ Thereby, the control module 420 completes the physical verification of the card.

When the physical verification is completed, the control module 420 controls the communication module 410 to transmit the card validation signal. Even if the card is physically fit, there may be a card or an application that can not use the services provided by the payment relay system. To verify this, the control module 420 controls the communication module 410 to send a validation signal of the card or application to validate the card or application. The control module 420 uses the data (e.g., a card ID) for validation of the card or application stored in the memory unit 430 to validate the card or application . Thereby, the control module 420 completes the software verification of the card and completes the verification of all the cards.

The control module 420 controls the communication module 410 to send a payment initiation signal to initiate a payment. The control module 420 controls the communication module 410 to transmit the settlement start signal so that the card management server 1140 knows that the settlement with the settlement terminal 130 itself needs to be started.

When communication module 410 receives a digital signature, control module 420 verifies the digital signature and generates a digital signature for requesting payment. The control module 420 generates a digital signature for requesting payment, and controls the communication module 410 to transmit the digital signature.

When the communication module 410 receives an electronic signature indicating that payment has been completed, the control module 420 may generate payment details and store the payment details in the memory unit 430. The payment terminal 140 may request the external device to process the payment according to the payment history by using the stored payment details.

The memory unit 430 stores data for confirming the qualification of the card, data for confirming the data format, and data for confirming the software (card or application validity) of the card.

The memory unit 430 stores information for the digital signature so as to decrypt and generate the digital signature.

5 is a timing chart illustrating a process of performing physical authentication according to an embodiment of the present invention.

The terminal 110 recognizes the payment relay apparatus 120 and connects a session for wireless communication (S510).

After completing the session connection, the terminal 110 transmits the card ID (S515).

The payment relay device 120 confirms whether the card of the terminal is a card that can use the service (S520). If the card of the terminal is a card that can use the service, the payment relay device 120 activates the emulation module.

The settlement terminal 130 transmits a card eligibility verification signal (S525).

The payment relay device 120 transmits the card eligibility authentication signal to the payment terminal 130 (S530). The payment relay device 120 receives and confirms the card eligibility verification signal using the RF antenna 125. [ The activated emulation module provides the RF antenna 125 with information necessary for qualification authentication of the card so that the payment relay device 120 allows the RF antenna 125 to transmit the card eligibility authentication signal to the payment terminal 130. [

The settlement terminal 130 transmits a data format verification signal (S535).

The payment relay device 120 transmits the data format authentication signal to the payment terminal 130 (S540). Likewise, the payment relay device 120 receives and confirms the data format verification signal using the RF antenna 125. [ The activated emulation module provides the RF antenna 125 with information necessary for data format authentication so that the payment relay device 120 allows the RF antenna 125 to transmit the data format authentication signal to the payment terminal 130.

6 is a flowchart illustrating a method of performing physical authentication by the payment relay apparatus according to an embodiment of the present invention.

After the session connection is completed, the payment relay device 120 receives the card ID from the terminal 110 (S610).

The payment relay device 120 confirms whether the received card is a card that can use the service (S620).

If the received card is a card that can use the service, the payment relay device 120 receives the card eligibility verification signal from the payment terminal (S630).

The payment relay device 120 provides data to the RF antenna 120 to transmit the card eligibility authentication signal to the payment terminal 130 (S640).

The payment relay device 120 receives the data format verification signal from the payment terminal 130 (S650).

The payment relay device 120 provides data to the RF antenna 120 to transmit the data format authentication signal to the payment terminal 130 (S660).

FIG. 7 is a timing chart illustrating a process of performing settlement according to an embodiment of the present invention. 7 is preferably performed after physical authentication of the card shown in FIG. 5 is performed.

The payment terminal 130 transmits the card validation signal to the terminal 110 via the RF antenna 120 and the relay device 120 (S710).

The terminal 110 transmits the card validity authentication signal to the settlement terminal 130 via the relay device 120 and the RF antenna 120 (S720).

The settlement terminal 130 transmits a settlement start signal to the card management server 140 via the RF antenna 120, the relay device 120 and the terminal 110 (S730).

The card management server 140 transmits the digital signature to the payment terminal 130 via the terminal 110, the relay apparatus 120 and the RF antenna 120 (S740).

The settlement terminal 130 transmits a digital signature for requesting payment to the card management server 140 via the RF antenna 120, the relay device 120 and the terminal 110 (S750).

The card management server 140 proceeds with settlement (S760).

The card management server 140 transmits an electronic signature to the payment terminal 130 via the terminal 110, the relay apparatus 120 and the RF antenna 120 to inform the payment terminal 130 that payment has been completed (S770).

Accordingly, in order to perform settlement, the terminal 110 performs settlement without having to go through the physical authentication with the settlement terminal 130 separately, so that settlement can be started even if the user does not move the terminal to the vicinity of the settlement terminal , Settlement between the settlement terminal and the card management server can be performed even if the user does not execute the terminal and the application.

FIG. 8 is a flowchart illustrating a method for a payment relay apparatus according to an embodiment of the present invention to perform settlement.

The payment relay device 120 receives the card validation signal from the payment terminal 130 and transfers it to the terminal 110 (S810).

The payment relay device 120 receives the card validity authentication signal from the terminal 110 and transfers it to the payment terminal 130 (S820)

The payment relay device 120 receives the settlement start signal from the payment terminal 130 and delivers it to the terminal 110 (S830).

The payment relay device 120 receives the digital signature from the terminal 110 and transmits it to the payment terminal 130 (S840).

The payment relay device 120 receives the electronic signature for requesting payment from the payment terminal 130 and transfers the digital signature to the terminal 110 (S850).

The payment relay device 120 receives the digital signature from the terminal 110 and informs the payment terminal 130 of the completion of payment (S850).

9 is a timing chart illustrating a process of performing physical authentication of a terminal according to another embodiment of the present invention.

The terminal 110 recognizes the payment relay apparatus 120 and connects a session for wireless communication (S910).

The payment relay device 120 encrypts and transmits the secret key (S915).

After completing the session connection, the terminal 110 transmits the card ID by encrypting it with the secret key (S925).

The payment relay device 120 determines whether the card of the terminal is a card that can use the service (S925).

The settlement terminal 130 transmits a card eligibility verification signal (S930).

The payment relay device 120 transmits the card eligibility authentication signal to the payment terminal 130 (S935).

The settlement terminal 130 transmits a data format verification signal (S940).

The payment relay device 120 transmits the data format authentication signal to the payment terminal 130 (S945).

10 is a flowchart illustrating a method of performing physical authentication by the settlement relay apparatus according to another embodiment of the present invention.

After the session connection is established, the payment relay device 120 encrypts the secret key and transmits the secret key to the terminal 110 (S1010.

The payment relay device 120 receives the card ID encrypted with the secret key from the terminal 110 (S1020).

The payment relay device 120 confirms whether the received card is a card that can use the service (S1030).

If the received card is a card that can use the service, the payment relay device 120 receives a card eligibility verification signal from the payment terminal (S1040).

The payment relay device 120 provides data to the RF antenna 120 to transmit the card eligibility authentication signal to the payment terminal 130 (S1050).

The payment relay device 120 receives the data format verification signal from the payment terminal 130 (S1060).

The payment relay device 120 provides data to the RF antenna 120 to transmit the data format authentication signal to the payment terminal 130 (S1070).

FIG. 11 is a timing chart illustrating a process of performing settlement according to another embodiment of the present invention. The process of performing settlement shown in FIG. 11 preferably occurs after the physical authentication of the card shown in FIG. 9 is performed.

The settlement terminal 130 transmits a card validation signal to the payment relay device 120 (S1110).

The payment relay device 120 encrypts the received card validity signal and transmits it to the terminal 110 (S1115).

The terminal 110 encrypts the card validity authentication signal and transmits it to the payment relay device 120 (S1120).

The payment relay device 120 decrypts the received card validity authentication signal and transmits the decrypted card validity authentication signal to the payment terminal 130 (S1125).

The settlement terminal 130 transmits a settlement start signal to the payment relay device 120 (S1130).

The payment relay device 120 encrypts the received payment initiation signal and transmits it to the terminal 110 (S1135).

The terminal 110 decrypts the received payment initiation signal and transmits it to the card management server 140 (S1140).

The card management server 140 transmits the digital signature to the terminal 110 (S1145).

The terminal 110 encrypts the digital signature and transmits it to the payment relay device 120 (S1150).

The payment relay device 120 decrypts the received digital signature and transmits it to the payment terminal 130 (S1155).

The settlement terminal 130 transmits an electronic signature for requesting settlement to the settlement relay device 120 (S1160).

The payment relay device 120 encrypts the received digital signature and transmits it to the terminal 110 (S1165).

The terminal 110 decrypts the received digital signature and transmits it to the card management server 140 (S1170).

The card management server 140 proceeds with settlement (S1175).

The card management server 140 transmits a digital signature to the terminal 110 indicating that the payment has been completed (S1180).

The terminal 110 encrypts the digital signature and transmits it to the payment relay apparatus 120 (S1185).

The payment relay device 120 decrypts the received digital signature and transmits it to the payment terminal 130 (S1190).

12 is a flowchart illustrating a method for a payment relay apparatus according to another embodiment of the present invention to perform settlement.

The payment relay device 120 receives the card validation signal from the payment terminal 130, encrypts it, and transmits it to the terminal 110 (S1210).

The payment relay device 120 receives the encrypted card validity authentication signal from the terminal 110, decrypts it, and transmits it to the payment terminal 130 (S1220).

The settlement relay device 120 receives the settlement start signal from the settlement terminal 130, encrypts it, and transmits it to the terminal 110 (S1230).

The payment relay apparatus 120 receives the encrypted digital signature from the terminal 110, decrypts it, and transmits the decrypted digital signature to the payment terminal 130 (S1240).

The payment relay device 120 receives the digital signature for requesting payment from the payment terminal 130, encrypts it, and transmits the digital signature to the terminal 110 (S1250).

The payment relay device 120 receives the digital signature from the terminal 110, decrypts it, and transmits the digital signature to the payment terminal 130 (S1260).

13 is a diagram illustrating a configuration of a payment relay system according to another embodiment of the present invention.

Referring to FIG. 13, the payment relay system 1300 according to another embodiment of the present invention further includes a main server 1310 in addition to each configuration of the settlement relay system 100.

The main server 1310 communicates with the payment relay device 120 to control and manage the payment relay device 120. [ 13 shows that the main server 1310 is connected to one payment relay apparatus 120. However, the present invention is not limited to this, and one main server 1310 may be connected to a plurality of payment relay apparatuses, All the payment relay apparatuses can be controlled and managed.

FIG. 14 is a diagram illustrating a configuration of a payment relay apparatus according to another embodiment of the present invention.

Referring to FIG. 14, the payment relay apparatus 120 according to another embodiment of the present invention includes a communication module 1410, a control module 1424, an emulation module 1428, and a PC 1430.

The communication module 1410, the control module 1424, the emulation module 1428 and the PC 1430 in the payment relay device 120 can be implemented as separate configurations 1410, 1420 and 1430, respectively, It is possible to implement a payment relay device by being implemented on one circuit.

The communication module 1410, the control module 1424 and the emulation module 1428 have the same functions as the communication module 310, the control module 320 and the emulation module 340. However, each of the communication module 1410, the control module 1424, the emulation module 1428, and the PC 1430 can transmit and receive necessary signals and data with each other using wireless communication.

The PC 1430 controls and manages the control module 1428. In addition, the PC 1430 receives an input from the outside or outputs data to the outside, allowing the manager of the payment repeater 120 to check and input appropriate control to the control module 1424. The control module 1428 controls the communication module 1410 and the emulation module 1428. However, the control module 1428 can operate as an operating system (OS) whose operation can not be confirmed externally. Accordingly, there may be inconvenience that the manager of the payment repeater 120 can not confirm and input appropriate control to the control module 1424. [ In order to prevent such inconvenience, the PC 1430 communicates with the control module 1428 and receives an input from the outside or outputs data to the outside, thereby confirming by the manager of the payment relay device 120 and controlling the control module 1424 . ≪ / RTI > Unlike the control module 1428, the PC 1430 operates as an operating system (OS) that can externally check and control its operation.

In addition, the PC 1430 communicates with the main server 1310 and transmits / receives necessary control signals and data. The main server 1310 can control and manage the payment relay apparatus 120 by communicating with the PC 1430. [

5 to 12 illustrate that the respective processes are sequentially executed, but this is merely illustrative of the technical idea of an embodiment of the present invention. In other words, those skilled in the art will appreciate that various changes and modifications may be made without departing from the essential characteristics of one embodiment of the present invention, And FIG. 5 to FIG. 12 are not limited to the time-series order because they can be variously modified and modified by being executed in parallel.

Meanwhile, the processes shown in FIGS. 5 to 12 can be implemented as computer-readable codes on a computer-readable recording medium. A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored. That is, a computer-readable recording medium includes a magnetic storage medium (e.g., ROM, floppy disk, hard disk, etc.), an optical reading medium (e.g., CD ROM, And the like). The computer-readable recording medium may also be distributed over a networked computer system so that computer readable code can be stored and executed in a distributed manner.

The foregoing description is merely illustrative of the technical idea of the present embodiment, and various modifications and changes may be made to those skilled in the art without departing from the essential characteristics of the embodiments. Therefore, the present embodiments are to be construed as illustrative rather than restrictive, and the scope of the technical idea of the present embodiment is not limited by these embodiments. The scope of protection of the present embodiment should be construed according to the following claims, and all technical ideas within the scope of equivalents thereof should be construed as being included in the scope of the present invention.

100, 1310: Payment relay system
110: terminal
120: Payment relay device
125: RF antenna
130: payment terminal
140: card management server
210, 310, 410, 1410: communication module
220, 320, 420, 1424: control module
230, 330, and 430:
340, 1428: Emulation module
1310: Main server
1430: PC

Claims (6)

1. An emulating device for enabling a payment to be initiated only between a payment terminal and another device,
An RF antenna for transmitting and receiving data to and from the payment terminal using near field communication;
By emulating the card using data for physically authenticating the card without receiving data for performing physical authentication of the card,
When receiving a signal for verifying that the card is an eligible card from the payment terminal, recognizing the payment terminal to recognize the payment terminal as if there is an eligible card capable of performing payment within a predetermined distance of the payment terminal Providing data to the RF antenna so that a signal for authentication can be transmitted to the payment terminal,
A payment terminal for receiving a signal for verifying whether or not a compatible data format is used from the payment terminal, and for recognizing the payment terminal as if a card having the same data format exists within a predetermined distance of the payment terminal, An emulation module for providing data to the RF antenna to transmit a signal for authenticating use of a compatible data format;
Receiving a validation authentication signal of the card from the other apparatus, receiving a payment start signal from the payment terminal and transmitting the received validation authentication signal to the other apparatus, receiving an electronic signature from the other apparatus A communication module for receiving an electronic signature for requesting settlement from a payment terminal and delivering the electronic signature to the other apparatus, receiving an electronic signature from the other apparatus for notifying that settlement is completed, and delivering the electronic signature to the settlement terminal; And
And a memory unit for storing data for physical authentication of the card,
A physical verification of the card is required in order for the settlement to be initiated between the payment terminal and the card,
Wherein the data for physical authentication of the card includes information for authenticating the eligibility of the card and information for authenticating that the format conforming to the data format used by the payment terminal is used,
The emulation module provides data necessary for physical authentication of the card to the RF antenna so that the payment terminal is recognized as if there is a physically verified card capable of performing settlement with the payment terminal in the vicinity of the payment terminal Lt; / RTI >
The method according to claim 1,
The RF antenna includes:
And an NFC antenna for transmitting / receiving data to / from the payment terminal using NFC communication.
The method according to claim 1,
The RF antenna includes:
Wherein the emulation module is physically connected to the emulation module.


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KR1020180059527A 2018-05-25 2018-05-25 Apparatus and Method of Emulationg for Relaying Payment System KR101992204B1 (en)

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Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101330962B1 (en) * 2012-12-27 2013-11-18 신한카드 주식회사 Payment device control method for selecting card settlement
KR20160105261A (en) * 2015-02-27 2016-09-06 삼성전자주식회사 Method and apparatus for providing card service using electronic device
KR101831351B1 (en) * 2014-05-29 2018-02-22 애플 인크. User device enabling access to payment information in response to mechanical input detection

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101330962B1 (en) * 2012-12-27 2013-11-18 신한카드 주식회사 Payment device control method for selecting card settlement
KR101831351B1 (en) * 2014-05-29 2018-02-22 애플 인크. User device enabling access to payment information in response to mechanical input detection
KR20160105261A (en) * 2015-02-27 2016-09-06 삼성전자주식회사 Method and apparatus for providing card service using electronic device

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