KR20030007249A - Apparatus For Inquiring Card Which Modem And Card Reader Are Coupled - Google Patents

Abstract

PURPOSE: A card inquiring device in which a modem and a card inquirer are combined is provided to save a cost by driving the card inquirer by a power unit, a storing unit, and a control unit of the modem. CONSTITUTION: A card inquirer is controlled by a control unit of a modem for inputting and outputting settlement money information for a user and outputting settlement approval information. The card inquirer has a card reading unit(300) for reading information recorded in a card and transmitting read information to the control unit, and a display unit(310) for displaying settlement money information and card approval information according to a display control signal of the control unit. The card inquirer has an output unit(320) for outputting a slip including settlement money and card approval contents according to an output control signal of the control unit, and a connector(290) for receiving a power and the control signal from the modem.

Description

Apparatus For Inquiring Card Which Modem And Card Reader Are Coupled}

The present invention relates to a card inquiry device which is combined with a modem and a card inquiry device for performing a credit card transaction authorization using a public line. More specifically, the card inquiry device does not include a power supply unit, a storage unit, and a controller. The present invention relates to a card retrieval device in which a modem and a card retrieval device are combined to allow a card retrieval device to be passively shared by sharing a power supply unit, a storage unit and a control unit.

At present, due to the ease of use and ease of portability, credit cards are widely used as a payment method for the purchase of goods or services, and the government strongly recommends the use of credit cards to maintain a transparent commerce order. There is a situation.

As the number of users of credit cards is increasing, damages caused by bad traders and fraudsters are incurred. To prevent this, card companies use card checkers to check the credit status of payers when using cards. .

Such a card inquiry machine requires a modem for communication connection with a system operator (VAN). Korean Patent Laid-Open Publication No. 2002-23332 describes a credit card transaction approval system using an ADSL modem with a high communication speed and low communication cost. have. This is to solve the disadvantage that the credit card authorization using the existing PSTN, HINET, CO-LAN, etc. is excessive communication fee and slow communication speed.

Figure 1 is a block diagram showing the internal configuration of a card inquiry machine for performing a credit card transaction authorization through a conventional ADSL modem. As shown in FIG. 1, a conventional card inquiry unit includes a controller 100, a storage unit 110, a circuit driver 120, a display unit 130, a power supply unit 140, a keypad unit 150, and a card reader unit ( 160 and an output unit 170.

The control unit 100 transmits the read information to the corresponding card company through the ADSL modem 180 and controls the overall operation.

The storage unit 110 stores an ADSL function driving module and a card reading module for performing card reading.

The circuit driver 120 is for driving the internal circuit of the card inquiry machine, and the display unit 130 is for displaying the payment information and the payment approval information on the screen.

The keypad unit 140 is a key input unit for inputting payment information, and the power supply unit 140 is for supplying DC power to the card inquiry machine.

The card reader 160 scans the information recorded on the card and transmits the information to the controller 100.

The output unit 170 is for outputting a slip including payment information and payment approval information.

However, such a conventional card lookup machine has the advantage of achieving a cheap and fast transmission speed by using an ADSL modem, but includes a power supply, a storage section and a control unit, which is quite expensive, so from the point of view of a card merchant, the card lookup machine is purchased. There was a problem that a significant burden.

Therefore, there is an increasing demand for a card retrieval apparatus that overcomes the conventional irrationality of the card retrieval machine and can perform the functions of the conventional card retrieval machine at a lower cost.

The present invention has been made to solve the above problems, and a first object of the present invention is to omit the power supply unit, the storage unit and the control unit in the configuration of the conventional card inquiry machine peripheral to the card inquiry device power supply unit of the modem side By driving the storage unit and the control unit, it is to provide a card inquiry device combined with a modem and a card inquiry device that can reduce the cost while properly performing the function of the conventional card inquiry machine.

It is a second object of the present invention to provide a card inquiry device in which a modem and a card inquiry device are combined which can drive a plurality of card inquiry devices as one modem by providing a plurality of connectors for coupling the modem and the card inquiry device.

It is a third object of the present invention to provide a card inquiry apparatus constructed using an ADSL modem having low maintenance cost.

1 is a block diagram showing the internal configuration of a conventional card inquiry machine,

2 is a diagram illustrating a card transaction approval system using a card inquiry apparatus according to the present invention;

3 is a block diagram showing an internal configuration of an ADSL modem used in the present invention;

4 is a block diagram showing an internal configuration of a card inquiry machine used in the present invention;

5 is a flowchart illustrating a card transaction approval process in a card transaction approval system using a card inquiry apparatus combined with an ADSL modem and a card inquiry device according to the present invention.

<Brief description of the major reference numerals>

10: card lookup, 20: ADSL modem,

30: repeater, 40: payment approval server,

50: public line, 60: bus,

220: AFE, 250: modulator,

260: control unit, 270-1, 270-2: storage unit,

290: connector, 300: card reader,

310: display unit, 320: output unit,

330: key input unit.

According to an aspect of the present invention for achieving the object of the present invention as described above, in the card inquiry device combined with a modem and a card inquiry machine for performing a credit card transaction approval using a public line, the modem is an analog signal An analog front end for converting and filtering signals between a digital signal and a digital signal, one end of which is connected to the analog front end, and a modulator that modulates and demodulates data using a discrete multi-tone method, and one end of which is connected to the modulator, For the purpose of separating the data into an ATM cell or combining the ATM cells, a storage unit for storing the SAR, a modem function driving module for driving the modem, and a card inquiry module for card inquiry are stored. The power supply for supplying and controlling the components and stored in the storage And a control unit for executing the modules, wherein the card inquiry device is a manual device in which the input / output of the payment price information and the output of the payment approval information from the user are controlled by the control unit of the modem, and reads the information recorded on the card. A card reader for transmitting the read information to the controller, a display unit for displaying payment price information and card approval information in accordance with a display control signal of the controller, a payment price and a card in accordance with an output control signal of the controller A card inquiry device, comprising a modem and a card inquiry device, characterized in that it comprises an output unit for outputting a slip containing the approval information, a key input unit for key input, and a connector for receiving power and control signals from the modem. Can be provided.

Other objects, specific advantages and novel features of the present invention will become more apparent from the following detailed description and the preferred embodiments associated with the accompanying drawings.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. In this specification, for convenience of description, a case where the type of modem is ADSL will be described as an example. However, it will be appreciated by those skilled in the art that the present invention may be practiced using equivalents, such as cable modems or power line modems, in addition to ADSL modems.

2 is a diagram illustrating a card transaction approval system using a card inquiry apparatus according to the present invention. As shown in FIG. 2, the card transaction approval system using the card inquiry apparatus according to the present invention includes a card inquiry machine 10, an ADSL modem 20, an exchanger 30, a transaction approval server 40, and a card company server 45. It is composed of

The card inquiry machine 10 and the ADSL modem 20 are connected to the connector 60 for exchanging data with each other and are installed in the card merchant, and the ADSL modem 20 is connected to the exchanger through the public line 50. 30). Here, the public line includes the public line includes a public telephone network capable of ADSL communication, a cable network capable of data communication, a power line and a leased line, and in this specification, the public line is a public telephone network capable of ADSL communication. Shall be.

ADSL stands for Asymmetric Digital Subscriber Line, which is a direct one-to-one connection between the telephone company and each home. On the contrary, the upward signal from the user to the telephone station is quite slow. Therefore, ADSL is an asymmetric service, not a symmetric service with the same top and bottom. The advantage of ADSL is that it can use both high-speed data communication at the same time while still using existing telephone line and telephone, and can handle both general telephony and data communication with one telephone line. In other words, existing modems cannot use both telephone and data communications at the same time, while ISDN can be used simultaneously, but at half the speed. However, ADSL uses low frequency band for voice communication and high frequency band for data communication, so no crosstalk occurs and communication speed does not decrease.

The ADSL technology is generally composed of three channels: a high speed downstream channel, a medium speed full duplex channel, and a low speed Plain Old Telephone Service (POTS) channel. Frequency division multiplexing (FDM) depends on how the channel is configured. ) And echo cancellation.

The ADSL modem 20 transmits / receives payment transaction information data, card use authorization information data, etc. to the transaction approval server 40 via the switch 30 in a TCP / IP manner. TCP / IP is a basic communication protocol of the Internet and is a program composed of two layers. The upper layer TCP is responsible for dividing messages or files into smaller packets for transmission over the Internet and for reassembling the received packets into the original message. The lower layer IP processes the address portion of each packet. In other words, it is a program that communicates by ensuring that packets reach their destination exactly.

The transaction approval server 40 is a computer installed in a credit card transaction approval system operator, and receives data such as an installment month and a payment price from the card lookup machine 10 through the private network 55 of the card company server 45 and the customer. Send and receive data to check credit status.

The card company server 45 is a computer installed at the head office of the credit card company. The credit card company 45 checks the credit status of the customer and transmits the transaction approval number data to the transaction approval server 40 when the approval is approved.

Referring to the execution process of the card transaction approval system according to the above configuration, first by reading the customer's credit card in the card reader 300 of the card inquiry machine 10 installed in the card merchant, installment month, payment price, etc. When the data is transmitted to the transaction approval server 40, the transaction approval server 40 receives the authorization number data according to the information on the credit status of the customer through communication with the card company server 45, and the card inquiry machine 10 When the installment month, payment amount and authorization number data are transmitted, the sales statement displaying the above items is output from the card inquiry machine.

3 is a block diagram showing an internal configuration of an ADSL modem used in the present invention. As shown in FIG. 3, the ADSL modem 20 used in the present invention includes an Ethernet / USB interface 210, an AFE 220, a dial-up modem 230, a power supply unit 240, a modulation unit 250, and a SAR. 255, the control unit 260, and the storage units 270-1 and 270-2.

The Ethernet / USB interface 210 is for connecting the ADSL modem 20 to a device such as a computer through a USB port and for interfacing the ADSL modem 20 with an Ethernet. In other words, it refers to a physical system that is properly connected to effectively communicate between the ADSL modem 20, a device such as a computer, and the Ethernet.

The analog front end (AFE) 220 is used to perform a function of converting and filtering between an analog signal and a digital signal, and the analog signal received through the public line 50 is the first signal processing portion. Although not shown in FIG. 3, the AFE 220 includes a converter for converting between an analog signal and a digital signal, and a transmission and reception low pass filter for low pass filtering of transmission and reception data.

The dial-up modem 230 is an emergency modem 230 for allowing a general telephone line to be used in the event of a failure of the ADSL modem. The dial-up modem 230 is used in a manner in which a user communicating with a plurality of general telephone lines shares a service provider's modem. One end of the dial-up modem 230 is connected to the control unit 260, and the other end thereof is connected to the public line 50.

The power supply unit 240 is for supplying DC power to the ADSL modem, and the DC power is transmitted to the card inquiry machine 10 through the connector 290 which will be described later, and also drives the card inquiry machine 10.

The modulator 250 is for modulating and demodulating the signal processed by the AFE 220. The modulator 250 is divided into a Discrete Multi-Tone (DMT) scheme and a Carrierless Amplitude and Phase (CAP) scheme according to a modulation scheme.

DMT method is a method of modulating and demodulating data using Discrete Multi-tone (ANSI) standard modulation technology. It cuts the frequency band into 4㎑ units and divides it into 2,560 channels and uses each carrier to QAM each channel. Or QPSK modulation, and CAP is a technology that uses one carrier to QAM.

In the case of the DMT method, since the modulation is performed for each channel, the DMT method is frequently used due to the advantage of providing a relatively higher speed than the CAP method.

A segmentation and reassembly (SAR) 255 is located between the modulation unit 250 and the control unit 260, and separates the data to be transmitted by the control unit 260 into ATM cell data when transmitting data to the outside. When receiving data from the outside, and combines the received ATM cell data again to transmit to the control unit 260. ATM is a dedicated-connection switching technology that divides digital data into 53 bytes of cells or packets and transmits them through a medium using digital signal technology, where one cell is individually asynchronously associated with other cells. Is processed.

The storage units 270-1 and 270-2 are nonvolatile for storing respective modules such as an ADSL function driving module, a card inquiry module, an application module, a dialing module, and a customer application module for driving the ADSL modem 10. Flash ROM 270-2, which is a memory, and RAM 270-1, which is a volatile memory for loading each module when each module is executed. The application module is a program for driving the respective components of the card inquiry machine 10 to be described later. That is, it is a program for transmitting the read card data to the control unit 260 and receiving and outputting the transaction approval number data transmitted from the transaction approval server 40 through the control unit. The customer application module refers to a program that enables to perform various additional service functions other than the driving program of the card inquiry machine 10, for example, various events and output of order details through the Internet.

The control unit 260 executes each module stored in the flash ROM 270-2, transmits and receives data to and from the card inquiry machine 10 through the connector 290 which will be described later, and controls the components. . In particular, when transmitting data as described above, the control unit 260 receives various data such as payment data and payment period data from the card inquiry machine 10 through the connector 290 which will be described later. The control signal is transmitted to the SAR 255, and when receiving the transaction approval data from the transaction approval server 40, the control signal for separation of ATM cells is transmitted to the SAR 255.

4 is a block diagram showing the internal configuration of the card inquiry machine 10 used in the present invention. As shown in FIG. 4, the card lookup machine 10 used in the present invention is largely divided into a connector 290, a card reader 300, a display 310, an output 320, and a key input 330. Consists of.

It should be noted that the configuration of the power supply section and the control section is omitted in the above configuration.

The connector 290 is a device for connecting a plurality of buses for transmitting and receiving a power source, a data bus, an address bus, a system control bus, and an input / output control signal between the ADSL modem 20 and the card inquiry machine 10. As described above, since the card inquiring unit 10 does not have a power supply unit and a control unit, the card inquiring unit 10 receives necessary power and various control signals from the ADSL modem 20 through the connector 290. That is, DC power required for driving each component is supplied from the power supply unit 240 of the ADSL modem 20, and input / output control signals, data signals, address signals, system control signals, and the like are received from the control unit 260. That is, the configuration of the card inquiry machine 10 can be used as one peripheral device by allowing each component to be controlled by the controller 260 through the connector 290.

However, the present invention is not limited to the bus connector as the connector 290. That is, it is also possible to connect the ADSL modem 20 and the card inquiry device 10 by using a PCMCIA connector or by standardized external input / output signals such as SPI, USART, I ² C, and IR.

In the drawing, one connector 290 is connected to one card query machine 10 and the ADSL modem 20, but the plurality of connectors 290 are connected to the card reader 10 and one ADSL modem 20. You can also connect to

The card reader 300 is a magnetic card reader that reads the information recorded on the credit card. The card reader 300 is a circuit for driving the card reader 300 based on a control signal of the controller 260. Equipped. In addition, the card reading control unit 340 transmits the information read by the card reading unit 300 to the control unit 260 of the ADSL modem 20 through the connector 290.

The display unit 310 is for displaying payment price information and card approval information corresponding to the display control signal of the control unit 260. An LCD using a change in the transmittance of the liquid crystal according to an applied voltage is mainly used. EL (Electro Luminescence), which is a light emitting device, is also widely used. The display unit 310 includes a display control unit 350 for driving the display unit 310 based on the display control signal from the control unit 260.

The output unit 320 is for outputting a slip including payment price and card approval in accordance with the output control signal of the control unit 260, and is used by a printing device such as a dot printer, thermal transfer printer, laser printer, or plotter. do. The output unit 320 includes an output unit driving circuit 360 for driving the output unit 320 based on an output control signal from the control unit 260.

The key input unit 330 is for inputting payment price and installment period information and transmitting the same to the control unit 260. In general, a keypad or a keyboard is mainly used. The key input unit 330 includes a key input unit driving circuit 370 for generating an electrical signal corresponding to the key input and transmitting the generated electric signal to the controller 260.

Here, the card inquiry machine can be modified in various ways according to the installation place. That is, for example, in a merchant such as a retail store, a card reader of a traditional form implemented by a keypad and a small area display unit may be provided, and in a merchant such as a department store or a large restaurant, the keypad and the display unit are integrated into a touch panel. May be provided.

5 is a flowchart illustrating a card transaction approval process in a card transaction approval system using a card inquiry apparatus combined with an ADSL modem and a card inquiry device according to the present invention.

First, payment price and installment period data are input through the key input unit 330 of the card inquiry machine 10 installed at the card affiliate store, and the card reader 300 reads the information recorded on the credit card (S10).

Then, the input data and the read information are transmitted to the control unit 260 of the ADSL modem 20 by the card reading control unit 340 and the key input driving circuit 370 (S20).

Then, the transmitted information data is separated into ATM cells in the SAR 255 according to the control signal of the controller 260 (S30), DMT modulation in the modulator 250 (S40), digital in the AFE 220. It is transmitted to the transaction approval server 40 via the analog conversion (S50) (S60).

Next, the transaction approval server 40 transmits the received data and the transaction approval request data to the card company server 45 (S70), and receives the transaction approval data from the card company server 45 (S80).

Next, the transaction approval server 40 transmits the transaction approval data to the ADSL modem 20 (S90), and the ADSL modem 20 converts the received transaction approval data into analog-to-digital conversion (S100) and DMT demodulation (S110). ), And restores data through the process of combining the ATM cell (S120).

Then, the control unit 260 transmits a display and output control signal to the card inquiry machine 10 (S130), and displays the payment price and the installment period on the display unit 310, and the payment price, the installment period and the transaction approval number. To output the document is displayed (S140).

Although illustrated and described with reference to the card inquiry apparatus in the present embodiment, the present invention is not limited thereto, and is applicable to various terminals.

In addition, the present embodiment has been illustrated and described with reference to only the ADSL modem, but is also applicable to the cable modem.

In addition, the Ethernet / USB interface 210 is limited to a connection interface with a USB port. In addition, an interface with an IEEE 1374 port, an infrared communication port, and the like may be used.

In addition, although a flash ROM is used as the nonvolatile memory, a general ROM or the like may be used.

According to the card inquiry apparatus combined with the ADSL modem and the card inquiry apparatus of the present invention as described above, the power inquiry section of the conventional card inquiry apparatus omits the power supply unit, the storage unit, and the control unit, thereby making the card inquiry unit peripheral device, By being driven by the controller, it is possible to reduce the cost while properly performing the function of the conventional card inquiry machine.

It is also possible to drive a plurality of card interrogators with a single ADSL modem by providing a plurality of connectors for coupling the ADSL modem and the card interrogator.

Although the present invention has been described in connection with the above-mentioned preferred embodiments, it is possible to make various modifications or variations without departing from the spirit and scope of the invention. Accordingly, the appended claims will cover such modifications and variations as fall within the spirit of the invention.

Claims (18)

In the card inquiry device combined with a modem and a card inquiry machine for performing a credit card transaction authorization using a public line, The modem An analog front end for converting and filtering analog and digital signals; A modulator, one end of which is connected to the analog front end, for modulating and demodulating data using a discrete multi-tone scheme; One end connected to the modulator, a SAR for separating data into an ATM cell or combining ATM cells for data transmission and reception; A storage unit for storing a modem function driving module for driving the modem and a card inquiry module for card inquiry; A power supply unit for supplying DC power to the modem and the card query; And A control unit for controlling the components and executing the modules stored in the storage unit; The card query device is a manual device in which input and output of payment information and payment approval information from a user are controlled by the controller of the modem. A card reader for reading the information recorded on the card and transmitting the read information to the controller; A display unit for displaying payment price information and card approval information corresponding to the display control signal of the controller; An output unit for outputting a slip including payment price and credit card details in response to the output control signal of the controller; A key input unit for key input; And Including a connector for receiving power and control signals from the modem Card inquiry device combined with a modem and a card query, characterized in that. The method of claim 1, The modem And a modem and a card inquiry device, wherein one end is connected to the control unit and the other end is connectable to an external device. The method of claim 1, The modem Card inquiry device combined with a modem and a card query, characterized in that the ADSL modem. The method of claim 1, The modem A card inquiry apparatus, in which a modem and a card inquiry machine are combined, one end of which is further connected to the control unit and the other end of which is connected to the public line. The method of claim 1, The connector Being a bus connector Card inquiry device combined with a modem and a card query, characterized in that. The method of claim 1, The connector With PCMCIA connectors Card inquiry device combined with a modem and a card query, characterized in that. The method of claim 1, The connector With standard input / output signal connectors Card inquiry device combined with a modem and a card query, characterized in that. The method of claim 1, The connector Plural ones Card inquiry device combined with a modem and a card query, characterized in that. The method of claim 1, The storage unit Card inquiry apparatus combined with a modem and a card query, characterized in that it further comprises an application module, a phone call module and a customer application module for driving the card query. The method of claim 1, The plurality of buses Comprising data bus, address bus, system control bus, input / output control bus and power bus Card inquiry device combined with a modem and a card query, characterized in that. The method of claim 1, The card reader is And a card reading control section for controlling a card reading function based on the bus signal input through the connector. Card inquiry device combined with a modem and a card query, characterized in that. The method of claim 1, The display unit And a display control unit for controlling a display function based on a bus signal input through the connector. The method of claim 1, The output unit And an output driving circuit for controlling an output function based on a bus signal input through the connector. The method of claim 1, The key input unit And a key input driving circuit for controlling a key input function based on a bus signal input through the connector. A modem coupled with a card reader to perform credit card transaction authorization using a public line, A modem bus connector for electrically coupling with the card query; An analog front end for converting and filtering analog and digital signals; A modulator, one end of which is connected to the analog front end, for modulating and demodulating data using a discrete multi-tone scheme; One end connected to the modulator, a SAR for separating data into an ATM cell or combining ATM cells for data transmission and reception; A storage unit for storing a modem function driving module for driving the modem and a card inquiry module for card inquiry; A power supply unit for supplying DC power to the card inquiry coupled through the modem and the modem bus connector; And By executing the modules stored in the storage unit, the card inquiry unit coupled through the modem bus connector and the components of the modem are controlled, and the input and output of payment information from the user received from the card inquiry unit. And a control unit for controlling the output of the payment approval information, The card query device is a manual device in which input and output of payment information and payment approval information from a user are controlled by the controller of the modem. A card query bus connector electrically coupled to the modem bus connector to receive power and control signals from the modem; A card reader for reading the information recorded on the card and transmitting the read information to the controller; A display unit for displaying payment price information and card approval information corresponding to the display control signal of the controller; An output unit for outputting a slip including payment price and credit card details in response to the output control signal of the controller; And Key input for key input Comprising Modem with a credit card transaction approval function, characterized in that. The method of claim 15, The public line is any one of a public telephone network capable of ADSL communication, a cable network capable of data communication, a power line and a dedicated line. Modem with a credit card transaction approval function, characterized in that. In the card lookup machine coupled to a modem capable of performing credit card transaction authorization using a public line, A card query bus connector electrically coupled with the modem to receive a power and control signal from the modem and to output the input billing information and the card information; A card reader for reading the information recorded on the card and transmitting the read information to the modem; A display unit for displaying payment information and card approval information corresponding to the display control signal received from the modem; An output unit for outputting a slip including payment details and card approval contents corresponding to an output control signal from the modem; And Key input for key input Including, The modem is coupled with the card lookup to perform credit card transaction authorization using a public line to control the components of the card lookup, A modem bus connector for electrically coupling with the card interrogator bus connector; An analog front end for converting and filtering analog and digital signals; A modulator, one end of which is connected to the analog front end, for modulating and demodulating data using a discrete multi-tone scheme; One end connected to the modulator, a SAR for separating data into an ATM cell or combining ATM cells for data transmission and reception; A storage unit for storing a modem function driving module for driving the modem and a card inquiry module for card inquiry; A power supply unit for supplying DC power to the card inquiry coupled through the modem and the modem bus connector; And By executing the modules stored in the storage unit, the card inquiry unit coupled through the modem bus connector and the components of the modem are controlled, and the input and output of payment information from the user received from the card inquiry unit. And a control unit controlling output of payment approval information. Passive card query comprising a. The method of claim 17, The passive card lookup Appearance design, input and output parts can be changed to be replaced according to the characteristics of the merchant Passive card lookup characterized in that.