KR200246519Y1 - Contactless settlement means terminal additionally attached to contact card - Google Patents

Abstract

The present invention is a conventional universal contact credit card reader, for example, a payment means equipped with a transceiver chip for transmitting and receiving wireless signals, such as Bluetooth in the form of a card or mounted on a mobile phone; Smart card type payment means capable of transmitting and receiving a contactless signal; And an additional reading device capable of reading and viewing information of various payment methods, such as payment means using infrared function, and it is economical at low cost even if the reader is not equipped with a completely independent non-contact payment means reader (reader). The present invention relates to a contactless payment means reading device which is additionally installed in a contact card reader capable of efficiently and efficiently reading contactless payment means (for example, an RF or infrared wireless module embedded card and a mobile phone).

The present invention for this purpose, in the contactless payment means reading device additionally installed in a contact credit card reader having an input and output port, such as an external input and output port and a modem port or a dedicated line port, for transmitting and receiving predetermined information related to payment Wireless connection means for transmitting and receiving wireless signal information with a contactless payment means equipped with a module; Interface means for interfacing the information of the contactless payment means received by the wireless access means to be processed by the control processing device of the contact credit card reader; And connecting means for connecting the interface means to the port of the contact credit card reader.

Thus, the present invention additionally installs a non-contact payment means reading device capable of transmitting and receiving wireless signals with a card and a mobile terminal having a module for transmitting and receiving a contactless wireless signal to a contact credit card reader that is widely used in the past. By operating the program, it is possible to read the contact credit card and the contactless payment method at low cost, respectively.

Description

Contactless settlement means terminal additionally attached to contact card}

The present invention relates to a reading device for reading and inquiring information of a payment means such as a credit card, and more particularly, to a conventional universal contact credit card reader, for example, in the form of a card or mounted on a mobile phone, etc. payment means equipped with a transceiver chip for transmitting and receiving wireless signals such as bluetooth; Smart card type payment means capable of transmitting and receiving a contactless signal; And by additionally installing a reading device capable of reading and viewing information on various payment methods, such as payment means using infrared function, economically and efficiently at a low cost even if a separate independent contactless payment means reading device is not provided separately. The present invention relates to a contactless payment means reading device additionally installed in a contact card reader capable of reading contactless payment means (for example, an RF or infrared wireless module embedded card and a mobile phone).

As is well known, a card reader, a credit card payment processing device, which is generally widely used, reads and displays information on various types of cards such as general credit cards, debit cards, and IC cards to purchase goods and make payments. It is a device that can be made. In other words, the card reader reads the information of the credit card (hereinafter, 'the card' and the 'payment method' as the same technical concept) as a means of credit check and confirms the approval status, validity and suitability of the card. It is a well-known fact that commerce is a device that allows credit to be made by credit rather than cash. Here, although the recording information of the card as the credit settlement means can be stored by various media, it is conventionally and universally stored and used on a magnetic line (film).

As described above, a card having a magnetic film attached thereto is usually read by being inserted into, contacted with, or passed through a card reader (hereinafter, the 'payment processing device' and 'card reader'). Since it is called a contact card (or contact payment means), in the present specification, such a card is referred to as a contact card (payment means), and a reader that reads the contact card is a contact card reader. Let's name it.

On the other hand, the payment means that is read by a predetermined card reader shown in the form of a smart card in FIG. 1, there is a contactless payment means (NC) in addition to the contact card (CC) described above. The contactless card NC is, for example, a payment means that can communicate with a corresponding card reader by an antenna by means of a wireless signal such as Bluetooth. The contactless card NC and a card reader corresponding thereto (hereinafter, referred to as a communication device) are described. There is no physical contact between the 'contactless payment means reading device'). The contactless card NC is an example of a contactless payment means. The contactless payment means includes a wireless (RF) payment means such as Bluetooth as described above and a predetermined card including a credit card such as a subway pass card or a bus card. Payment means such as a smart card (or IC card) equipped with a transceiver module, payment means using an infrared function, and all types of payments designed to be mounted on or mounted on a mobile phone, for example. Means are included. Accordingly, in the present specification, for convenience of description, a contactless payment means or a contactless card includes all the above contactless payment means, and a device for reading and inquiring information of these payment means is referred to as a 'contactless payment means reading device. Is defined.

For reference, as illustrated in FIG. 1 as a smart card, a contact card (CC) includes a memory card, a multifunction card, a crypto card, and the like. The contactless card (NC) includes a proximity contactless card and a remote contactless card. It is roughly divided into. In addition, referring to FIG. 1, a card type includes a hybrid card in which a contact card (CC) and a contactless card (NC) are physically combined, and a combination of a contact card and a contactless card in a chemical form. ) There is a card. On the other hand, the contact card (CC) is, of course, includes a universal credit card attached to the magnetic film as described above.

An example of a configuration of a contactless card (NC) read by a contactless card reader, which is one of contactless payment means readers, is shown schematically in FIG. 2. Referring to FIG. 2, a contactless card (NC) is a common credit card. It comprises a card body (C1) of the form and a wireless transmission and reception module (C2) for generating and processing an RF or infrared radio signal and an antenna (C3) for transmitting or receiving a radio signal generated by the wireless transmission and reception module (C2) do. As shown in FIG. 2, the contactless card including the wireless transmission / reception module C2 does not exist in the form of a card itself as described above, and may be mounted and applied to a terminal such as a mobile phone or a notebook computer. It is apparent to those skilled in the art. Accordingly, the term 'contactless card' in the present specification is defined to include all terminals to which the core component (for example, a wireless (Bluetooth) module, an antenna, a transceiver chip, etc.) that serves as a contactless card itself and a contactless card is installed. .

By the way, the conventional general-purpose contact credit card reader that is widely used and widely used is configured to read only the information of the contact card, and the reading device of the contactless payment means, which has been continuously increasing in demand recently, Because it is configured to read only information, the business owner had to purchase and install both of these card readers and readers.

In other words, the universal contact card reader, which has been widely used in the past, is expensive to contact because it cannot read a contactless payment method (card or mobile phone terminal), which is recently used for authentication and verification of users. There has been a problem that the purchase of a completely independent individual contactless payment means reading device capable of reading a card or a portable terminal has to be forced.

The present invention is designed to solve the above problems, a transceiver chip for transmitting and receiving wireless signals, such as Bluetooth in the form of a conventional universal contact credit card reader, for example in the form of a card or a mobile phone (transceiver) chip) payment means; Smart card type payment means capable of transmitting and receiving a contactless signal; And an additional terminal device capable of reading information of various payment methods, such as a payment method using an infrared function, economically and efficiently at a low cost even without a separate, independent contactless payment means reading device. It is an object of the present invention to provide a contactless payment means reading device that is additionally installed in a contact card reader capable of reading contactless payment means (for example, an RF or infrared wireless module embedded card and a mobile phone).

Another object of the present invention is to install a non-contact payment means reading device that enables only the transmission and reception of contactless payment means (cards, portable terminals, etc.) in addition to the universal contact card reader and the information transmitted by the contactless payment means reading device Is a contactless payment means reader installed in addition to a contact card reader, which allows a non-contact payment means to be read at a low cost and economically by processing in an existing universal contact card reader. To provide.

It is still another object of the present invention to provide a contactless payment means reader capable of only transmitting and receiving information with a contactless payment means by being connected to an input / output port provided in a universal contact card reader, thereby minimizing costs. The present invention provides a contactless payment means reading device additionally installed in a contact card reader capable of reading a contactless payment means.

Figure 1 is an exemplary diagram illustrating the type of a general contact / contactless payment means (card).

Figure 2 is a schematic diagram showing a card as a contactless payment means.

Figure 3 is a block diagram of a contactless payment means reading device additionally installed in the contact card reader according to the present invention.

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

2: printout 4: display

6: card contact unit 8: card reader control processing unit

10: contact card reader 12: external input and output port

20: connection cable 30: contactless payment means reading device

32: card wireless connection 34: interface

CC: Contact card NC: Contactless payment method (card, mobile terminal)

In order to achieve the above object, a contactless payment means reading device additionally installed in a contact card reader provided with an input / output port such as an external input / output port and a modem port or a dedicated line port according to the present invention, may provide predetermined information regarding payment. Wireless connection means for transmitting and receiving wireless signal information with a contactless payment means having a module for transmitting and receiving; Interface means for interfacing the information of the contactless payment means received by the wireless access means to be processed by the control processing device of the contact credit card reader; And connecting means for connecting the interface means to the port of the contact credit card reader.

In a preferred embodiment of the present invention, the contactless payment means,

An RF type card having a radio module for transmitting and receiving radio frequency signals such as a Bluetooth transceiver chip; A smart card having an IC module configured to store predetermined information and to transmit and receive the information; And an infrared card having an infrared module for transmitting and receiving predetermined information as an infrared signal.

In a preferred embodiment of the present invention, the contactless payment means,

A terminal, such as a cellular phone, on which any one of the RF card, smart card, and infrared card is mounted is included, and each card is added to a contact card reader, wherein the card is configured to be suitably mounted on the terminal, such as the cellular phone. Is installed as

In a preferred embodiment of the present invention, the connecting means is a removable cable such as RS232.

In a preferred embodiment of the present invention, the interface means further comprises operating software which can be used by being connected to the contact card reader by the connecting means, the operating software being connected to the wireless access means and the interface means. The information of the contactless card read by the controller is output through the display device and the print output device of the contact card reader.

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment of the non-contact payment means reading device additionally installed in the contact card reader according to the present invention. In the description of the present invention, if it is determined that the detailed description of the related known technology or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to intention or custom of a user or an operator. Therefore, the definition should be made based on the contents throughout the specification.

Referring to Figure 3, in the non-contact payment means reading device additionally installed in the contact card reader according to the present invention, the contact card reader 10 is a general contact credit card reader that is generally widely used ( 10). That is, the contact card reader 10 for constituting the present invention is an external input / output port 12, a modem for communication with a VAN operator (not shown) or other external devices as is well known. A port 14 and / or a dedicated line port 16 are provided. The contact card reader 10 further includes a print output unit 2 printer, a display unit 4 display, a card contact unit 6, a card reader control processing unit 8, and a key button operating unit as shown. It is comprised including (9). Here, the card contact portion 6 is a portion in which a predetermined contact card (for example, a magnetic credit card) is inserted so that the information recorded on the card can be read, and the card reader control processor 8 is a card reader control unit. Module device for processing data. It will be apparent to those skilled in the art that the card reader control processing unit 8 is associated with several operation key buttons, that is, the key button operation unit 9.

Then, the contactless payment means reading device 30 consisting of a wireless connection 32 and the interface unit 34 for configuring the present invention is connected to the contact card reader 10 by a connection cable 20 such as RS232 do. One end of the connection cable 20 coupled with the external input / output port 12 or the modem port 14 or the dedicated line port 16 of the contact card reader 10 is preferably configured in a connector type, so that a contact card as necessary. It can be connected or disconnected from the port of the reader 10.

In order for the contactless payment means reading device 30 to be properly operated while being connected to the card reader 10 by the connection cable 20, a predetermined operating program 50 may be required, which is a contactless payment means reading device 30. It will be appreciated by those skilled in the art that it is stored in a ROM or RAM, which is a memory element of the interface unit 34, or in some cases, a ROM or RAM, which is a memory element of the contact card reader 10, for use. Will be self explanatory.

In the payment means read and inquired by the contactless payment means reading device 30,

An RF type card having a radio module for transmitting and receiving radio frequency signals such as a Bluetooth transceiver chip; A smart card having an IC module configured to store predetermined information and to transmit and receive the information; And an infrared card having an infrared module for transmitting and receiving predetermined information as an infrared signal. In addition, the payment means read and inquired by the contactless payment means reading device 30 preferably includes a terminal such as a mobile phone equipped with any one of the RF card, smart card and infrared card, each of the cards It is formed to be suitably mounted on a terminal such as a mobile phone.

When the contactless payment means reading device 30 is connected to the contact card reader 10 by the connection cable 20 as described above, and the operating program 50 of the contactless card reader 30 is normally operated, the present invention By this, both the contact card CC, the contactless card NC which is a contactless payment means, and the portable terminal can be read. That is, the contactless payment means reading device 30 according to the present invention only serves to transmit and receive the information of the radio signal with the contactless card (NC) or the portable terminal for payment, the rest of the processing, for example processing / The display / print output and the like can be achieved by the contact card reader 10 which is widely used and widely used, so that the information of the contactless card can be read economically and efficiently.

Referring to the operation of the contactless payment means reading device additionally installed in the contact card reader according to the present invention as described above in more detail.

For example, if a magnetic credit card user presents a magnetic credit card (ie, a contact card) for credit card payment after purchasing the item, the seller who sells the product may use a contact card reader (CC). Physical contact with the card contact portion 6 of 10) causes the information contained in the card to be input to the card reader control processor 8. When card information is input to the card reader control processing unit 8, the card reader control processing unit 8 reads the input card information and transmits it to a VAN operator (not shown) for inquiry, and the result is inquired by the VAN operator. And the read and inquiry information are printed out or displayed through the print output unit 3 and the display unit 4 according to the operation of the key button operating unit 9.

On the other hand, for example, a user with a card (or a mobile terminal) in which a wireless signal transmission / reception module such as a Bluetooth module or an infrared module is embedded, that is, a contactless card (NC) or a mobile terminal for contactless payment, is required to pay for the purchase of goods. When the contactless card or the payment portable terminal is operated within a predetermined wireless communication distance (for example, 10 m), the information of the contactless payment means NC is transmitted to the wireless connection 32 of the payment means reading device 30 as a radio signal. do. When the information of the radio signal of the contactless card NC is transmitted to the radio connection unit 32, the interface unit 34 connects the information of the card NC or the portable terminal, which is a contactless payment means received by the radio connection unit 32. The cable 20 is transmitted to the card reader control processor 8 of the contact card reader 10 to be processed. When the information of the non-contact card NC is input to the card reader control processing unit 8 by the interface unit 34, the card reader control processing unit 8 performs the contactless payment means as described above when the information of the above-described contact card is input. Process the information. That is, the card reader control processing unit 8 reads the information of the input contactless payment means, transmits it to a VAN operator (not shown) for inquiry, and receives the result inquired by the VAN operator, and the key button operation unit ( According to the operation of 9), the reading and inquiry information is printed out or displayed through the print output section 3 and the display section 4.

Thus, the present invention additionally installs a non-contact payment means reading device capable of transmitting and receiving wireless signals with a payment terminal and a card having a module for transmitting and receiving a contactless wireless signal to a contact credit card reader that is widely used in the past. In addition, it is possible to read a contact credit card and a contactless payment method at low cost by installing a program capable of operating the same.

As described above, the non-contact payment means reading device additionally installed in the contact card reader according to the present invention is a conventional universal contact credit card reader, for example, in the form of a card or mounted on a mobile phone, Bluetooth, etc. payment means equipped with a transceiver chip for transmitting and receiving wireless signals such as (bluetooth); Smart card type payment means capable of transmitting and receiving a contactless signal; And by additionally installing a reading device capable of reading information on various payment methods, such as a payment method using an infrared function, economically and efficiently at a low cost even without a separate independent contactless payment means reading device. It provides the advantage of being able to read contactless payment means (e.g. cards with RF or infrared wireless modules and cell phones).

In addition, the present invention additionally installs a non-contact payment means reading device that enables only the transmission and reception of contactless payment means (cards, portable terminals) to the universal contact card reader and the information transmitted by the contactless payment means reading device is This allows the reader to read the contactless payment means in a conventional, cost-effective, universal contact card reader at low cost.

Furthermore, the present invention allows a contactless payment means reading device capable of only transmitting and receiving information with a contactless payment means to be connected to an input / output pod provided in a universal contact card reader, thereby making contactless payment at a minimum cost possible. It provides the advantage of being able to read the means.

Although the preferred embodiments of the present invention have been described in detail above, those of ordinary skill in the art to which the present invention pertains may devise the present invention without departing from the spirit and scope of the present invention as defined in the appended claims. It will be appreciated that modifications or variations may be made. Therefore, changes in the future embodiments of the present invention will not be able to escape the technology of the present invention.

Claims (6)

In the non-contact payment means reading device that is additionally installed in a contact card reader having an input and output port, such as an external input and output port and a modem port or dedicated line port, Wireless connection means for transmitting and receiving wireless signal information with a contactless payment means having a module for transmitting and receiving predetermined information related to payment; Interface means for interfacing the information of the contactless payment means received by the wireless access means to be processed by the control processing device of the contact credit card reader; And And connecting means for connecting the interface means to the port of the contact credit card reader. The method of claim 1, wherein the contactless payment means, RF-type card with a radio module for transmitting and receiving radio frequency signals, such as a Bluetooth transceiver chip; A smart card having an IC module configured to store predetermined information and to transmit and receive the information; And And an infrared card including an infrared module for transmitting and receiving predetermined information as an infrared signal. The method of claim 1 or 2, wherein the contactless payment means, A terminal such as a mobile phone equipped with any one of the RF card, smart card and infrared card is included. And each card is additionally installed in a contact card reader, characterized in that it is configured to be mounted on a terminal such as a mobile phone. The contactless payment means reading apparatus of claim 1, wherein the connection means is a detachable cable. The contactless payment device of claim 1, wherein the interface means includes operation software for connecting and using the contact card reader by the connecting means. Means reading device. 6. The contact type of claim 5, wherein the operating software causes the information of the contactless card read by the radio access means and the interface means to be output through the display device and print output device of the contact card reader. Contactless payment means reading device additionally installed in the card reader.