KR20030040296A - apparatus capable of paying cost by wireless and method - Google Patents

Abstract

PURPOSE: A device and a method for paying expense wirelessly are provided to pay the cost wirelessly without worrying about the illegal use of a credit card even if a user is apart from a credit card terminal. CONSTITUTION: A card reader(12) has a portable card reading function in order to carry out the settlement with the credit card(10) in a remote place. A communication converter(30) receives and processes the wireless data for the expense settlement outputted from the card reader(12). A POS(Point Of Sale) System(38) controls a process for processing the expense settlement by transmitting the data inputted from the communication converter(30) through a communication connector(34). A POS server(40) receives and processes the normally processed expense settlement data. A VAN(Value Added Network) company(50) receives and processes the data inputted from the POS server(40). A bank/card company(60) claims and manages the expense by receiving the expense settlement data from the VAN company(50).

Description

Apparatus capable of paying cost by wireless and method}

The present invention relates to a system for wirelessly making a payment, and in particular, an apparatus and method for making a wireless payment that can easily and securely be secured by wireless rather than wired in the payment of a credit card or a mobile phone. It is about.

In the past, payment was usually made through a credit card. However, in this case, when the user cannot pay the credit card directly to the credit card terminal because the credit card terminal is far away, the employee is forced to pay the credit card. However, in this case, there is a problem that the user always has a concern about illegal use of credit cards.

Recently, however, a device using a mobile phone with a built-in chip has been developed and sold so that the user can pay the cost at a short distance. However, in this case, the cost is limited, and the user has a specific mobile phone. If you do not carry the problem was not able to pay.

The present invention is an invention for solving the above problems, when making a payment by using a credit card even if the user is far away from the credit card terminal, because the wireless payment for payment without worrying about fraudulent use It is an object of the present invention to provide an apparatus and a method for wirelessly making a payment.

In addition, the present invention provides an apparatus and method for wirelessly making a payment that can be easily paid through a specific chip installed inside the mobile phone when making a payment using a mobile phone.

The wireless payment device of the present invention for solving the above problems is a card reader (card reading) having a portable card reading function (card reading) so that payment can be made remotely with the payment card (10) reader 12, a communication conversion device 30 for receiving and processing wireless data on the payments output from the card reader 12, and the data of the payments input to the communication conversion device (30) Point of sale system (POS) 38 for controlling the payment process to be processed normally by transmitting the data through the communication connection unit 34, and thus, when the payment is normally processed in the POS 38, POS server 40 for receiving and processing data on payment, a van company 50 for receiving and processing data processed by the POS server 40, and the van company ( 50) data on payment It is characterized by consisting of a bank card company 60 to charge or manage the input received.

In addition, the present invention, the step of selecting whether the user to pay using the payment card 10 or using the mobile phone 20 (S110), and the user pays using the mobile phone 20 In the case where the payment is made through the payment processing chip 22 embedded in the mobile phone 20 (S120), and the user does not use the mobile phone 20, the payment card 10 Step (S122) and the user to read the card using the payment card 10 after performing the step (S124) and the step to perform the payment using the payment card (10) In the case of making a payment with the mobile phone 20 after performing the step of transmitting the relevant data about the payment to the communication conversion device 30 through a wireless method (S130), and after performing the step Communication connection unit 34 in the communication converter 30 The step (S140) of transmitting data on the payment to the POS (38) through, and after performing the step, the payment settlement control unit 36 installed in the POS (38) in the communication conversion device ( If it is determined that the data on the payment for the data transmitted from the 30 is correct data, and outputting the ACK signal to the communication conversion device 30 (S150), and after performing the step is normally processed In the case of displaying the related operation so that the user can know through the cost processing display unit 32 (S160), and after performing the step, if the data for payment is normal, the relevant data is the POS server 40 Step (S170) and the step of transmitting to the ban company after performing the step (S180), and after performing the step is the step of outputting the relevant data to the bank card company 60 (S190) That is characterized.

1 is a specific configuration diagram applied to an apparatus capable of paying wirelessly of the present invention.

2 is a flowchart illustrating a state in which a method for wirelessly paying according to the present invention operates.

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

10: payment card 12: card reader

20: mobile phone 22: payment processing chip

30: communication converter 31: light receiving unit

32: Cost processing display part 34: Communication connection part

36: Cost settlement control unit 38: POS

40: POS server 50: Van company

60: Bank card company

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment according to the apparatus and method for the wireless payment of the present invention.

1 is a configuration diagram applied to an apparatus and a method for wirelessly making a payment according to the present invention. The payment card 10 and the payment card 10 may be used to make a payment while being carried by a general person. Card reader (12) having a card reading function (portable) and the wireless data about the cost payment output from the card reader 12 is processed so that payment can be made at a remote location. Point of sale system (POS) for controlling the processing of the contents of the payment by transmitting the data of the cost payment inputted to the communication conversion device 30 and the communication conversion device 30 through the communication connection unit 34 ( 38) and a POS server 40 for receiving and processing data regarding a plurality of cost payments when the payment is normally processed in the POS 38, and the POS server 40 processes the data. Data Consists Van (VAN) companies (50), a bank card companies (60) received by the company Van (50) input data on claims settlement costs or administrative costs of processing the input received.

And instead of using the payment card 10 and the card reader 12 it is possible to wirelessly pay through the mobile phone 20, the inside of the mobile phone 20, as shown in Figure 1, wireless As a result, a semiconductor chip that processes the payment, which is stored therein and information and security data, is inserted.

Therefore, the cost settlement processing chip 22 has information that can be used for various credit cards, electronic money, membership cards, transportation cards, and other cards.

The payment card 10 means a payment card that is commonly used, and includes, for example, various credit cards, OK cash back cards, membership cards, and the like.

And the card reader 12 and the mobile phone 20 is a method for transmitting data on the payment cost from the communication conversion device 30 is a separate communication protocol that can be paid for wireless RFM, called IrFM Or) converting RF communication into RS232C serial communication and interfacing the card reader 12 and the mobile phone 20 with the POS 38 for payment.

When the communication conversion device 30 is correctly installed, the lead of the cost processing display unit 32 formed on one side of the communication conversion device 30 blinks, and uses IrFM or RF. The mobile phone 20 should be used to face the light receiving unit 31, which is the central light receiving unit of the communication conversion device 30, and if it is normally paid, it is formed on the outer surface of the light receiving unit 31 and operates. As the cost processing display unit 32 indicating the state is operated, it is possible to check whether the progress is normally performed by performing the following steps: preparing → payment → completion.

In addition, the communication connection unit 34 is applied to all methods of COM (COM port) communication using RS232C, that is, not only a serial cable (serial cable) but also a communication using a USB cable (USB cable) is possible.

In addition, the payment control unit 36 mounted in the POS 38 controls the OLE control extention (OCX) control (a program that can add a function to a program by calling a component that has already been created in a Microsoft Windows environment.) O / S operating the POS (38) is possible in all versions of Windows O / S, and the program constituting the POS (38) Visual Basic (Delphi), Visual It is designed to work in all programs written by programs running on Windows O / S such as Visual C ++.

In addition, the cost settlement control unit 36 is a signal that ACK (acknowledge) that is well received when the correct data is input when the data about the payment is output from the communication conversion device 30 is input through the communication connection unit 34 ) Signal is transmitted through the communication connection unit 34, and if the data input to the POS 38 is not correct data, a NACK (Non acknowledge) signal is transmitted to the communication conversion device 30. It is possible to prevent errors due to cost payment.

The POS 38 is a retail computer system that collects goods and information at the point of sale, information management system, and sales time and sends them to a central database for import and inventory reports. It can be.

And the POS server 40 is a server that can manage the plurality of POS (38), the ban company 50 and the bank card company 60 is a related financial institution for a conventional card payment.

Referring to the operation of the present invention configured as described above are as follows.

The user selects whether to pay using the payment card 10 or the payment using the mobile phone 20 (S110), and when the user pays using the mobile phone 20, the mobile phone. Step (S120) to pay the cost through the payment processing chip 22 embedded in the (20), and if the cost is charged to the mobile phone 20 after performing the step to the payment Transmitting the related data to the communication conversion device 30 by wireless, ie, IrFM or RF method (S130), and after performing the step, through the communication connection unit 34 in the communication conversion device 30. The step (S140) of transmitting the data on the payment to the POS (38), and after performing the step, the payment settlement control unit 36 installed in the POS (38) in the communication conversion device 30 Data about payments sent from It is determined whether the correct data is the correct data (S150) outputting the signal to the communication conversion device 30, and if the normal processing after performing the step through the cost processing display unit 32 A step (S160) of displaying the related operation so that the user can know, and if the data for the payment is normal after performing the step (S170), transmitting the related data to the POS server 40 (S170); After performing the step is transmitted to the van company (S180), and after performing the step is the step of outputting the relevant data to the bank card company 60 (S190).

Then, in step S110, the user pays the fee using the payment card 10 without using the mobile phone 20 (S122), and after the user performs the payment, the payment card 10 Using the step (S124) to read the card to the card reader (12), and after performing the above step through the movable card reader 12 to wirelessly transmit data in the IrFM or RF method to the communication conversion device (30) Will be printed.

In operation S150, the controller 100 operates under the control of the payment controller 36. The payment controller 36 calls an OLE control extention (OCX) control (a component that has already been created in a Microsoft Windows environment). It has the ability to add features to Windows.) It also works on programs such as Windows O / S and other programs such as Visual Basic, Delphi, and Visual City.

The apparatus and method for wireless payment of the present invention configured as described above are used for illegal use because the user pays wirelessly even if the user is far from the credit card terminal when making a payment using a credit card. The payment can be made without worry, and even when making a payment using a mobile phone, the invention can easily make a wireless payment through a specific chip installed inside the mobile phone.

Claims (5)

Card reader (12) having a card reading function (portable) to be able to pay at a remote location with the payment card (10), and wireless for the cost payment output from the card reader (12) The communication converter 30 receives the data and processes the data by IrFM or RF communication, and the data inputted to the communication converter 30 are transmitted through the communication port 34 of the COM port using COM232. A point of sale system (POS) 38 that controls the processing of the cost payment contents, and a POS server that receives and processes the data for the plurality of cost payments when the cost payment is normally processed in the POS 38. (POS server) 40, the van (VAN) company 50 to receive and process the data processed by the POS server 40, and the cost of receiving data for payment from the van company (50) Bank card to charge or manage your Device capable of the cost settlement over the air, characterized in that it is composed of 60. The user selects whether to pay using the payment card 10 or the payment using the mobile phone 20 (S110), and when the user pays using the mobile phone 20, the mobile phone. Step (S120) to pay the cost through the payment processing chip 22 built in the (20) and the user using the payment card 10 without using the mobile phone 20 to pay the cost The step (S122) to be paid, the user to read the card in the card reader 12 using the payment card (10) (S124), and after performing the step the mobile phone 20 or card In the case of making a payment with the reader 12, transmitting the related data about the payment to the communication conversion device 30 through a wireless method (S130), and after performing the step, the communication conversion device 30 The POS 38 through the communication connection 34 in The step (S140) of transmitting the data for the payment, and the cost payment control unit 36 installed in the POS 38 after performing the step, the payment is transmitted from the communication conversion device 30 If it is determined that the data for the correct data is correct data, the step of outputting an ACK signal to the communication conversion device 30 (S150), and if the normal processing after performing the step, the cost processing display unit ( 32) step (S160) of displaying the related operation so that the user can know, and if data for payment is normal after performing the step (S170), the related data is transmitted to the POS server 40 (S170). And, after performing the step is transmitted to the van company (S180), and after performing the step is characterized in that it is formed in step (S190) that the relevant data is output to the bank card company (60). How to make a wireless payment. The method of claim 2, wherein in step S150, an OLE control extention (OCX) control (component already made in a Microsoft Windows environment) can be called to add a function to a program according to the control of the payment controller 36. It has a performance.) A method for paying wirelessly, characterized in that to perform the function. 4. The method of claim 3, wherein said OLE control function is operated to operate in all versions of Windows OS operating said point of sale. The OCX control function according to claim 3, wherein the OCX control function is an ACK signal indicating that the correct data is received when the data on the cost payment output from the communication conversion device 30 is input through the communication connection unit 34. (acknowledge) signal is transmitted through the communication connection unit 34, and if the data input to the POS 38 is not the correct data to transmit a NACK (Non acknowledge) signal to the communication converter 30 Method for making a wireless payment, characterized in that.