KR200315677Y1 - Credit-card terminal loading operating system - Google Patents

Abstract

The present invention provides online download and update management of a large number of terminal and card applications based on the operating system, and provides credit settlement services with the corresponding programs, thereby expanding the service range for various credit cards, reducing management costs, and providing convenience for customers. It relates to a credit card terminal based on an operating system that can promote.

The present invention executes a keypad for inputting various commands, a credit card reader for reading credit card information, a memory unit for storing an OS program and a plurality of terminals and IC card applications, and an OS program at system boot. It handles the credit settlement through the corresponding application program based on the OS, and downloads and updates and manages the terminal and IC card application program through the communication module or the card reader, and the data with the VAN company server or the card company host through the communication network. Communication module for transmitting and receiving, and an output device for outputting the process and results according to the credit settlement.

Description

Credit-card terminal loading operating system based on operating system

The present invention relates to a credit card terminal, and more specifically, to manage and execute online downloads and updates for a plurality of terminals and card applications based on the operating system, and to enable program interchange between the terminal and the IC card In addition, the present invention relates to a credit card terminal based on an operating system that can expand the service range for various credit cards, reduce management costs, and facilitate customer convenience.

Generally, magnetic cards (magnetic stripe cards, hereinafter referred to as MS cards), integrated circuit (IC) cards, and the like are used. In particular, IC cards are classified as either contact or non-contact type, and because they have a much larger memory than MS cards, they can store applications that are excellent in encryption and the like and have predetermined payment procedures.

Such IC cards have a high degree of stability and reliability, have high versatility, and are widely used in Europe, and IC cards and IC card terminals are gradually developed and distributed in Korea.

On the other hand, a conventionally developed MS or IC card terminal, as shown in Fig. 1, has a card reader 11 for reading information contained in the IC card 1 or MS card 2, and predetermined processing. CPU 12, which controls the operation of various devices of the terminal, and a card company 30 through a public switched telephone network (PSTN) or value added network (VAN) network 20 according to the procedure. A communication module 16 for transmitting and receiving credit / payment information, a keypad 14 for inputting a command or the like, and an output device 15 for displaying the processing result.

In addition, the storage unit 13 includes a small memory unit 13, and stores a corresponding application program (encryption program, etc.) and changes or adds a function of a service through the communication module 16, such as a related function key or parameter. The data is received and updated.

That is, the conventional credit card terminal has one application program and operates its function by processing an option, and when a change or addition is necessary, a function key or parameter according to the optional item is applied to a VAN server or a card company host. (30) to execute the service according to the selection within the design category of the application.

Therefore, if the application program itself has a problem or wants to provide a new service that is not handled by a change in the selection item, the operator such as a card company directly measures the visitor method of newly installing the upgrade program by visiting the terminal merchant.

This is not only inefficient in maintaining the terminal, but also causes many problems such as an increase in management costs, a delay in service, and a decrease in the reliability of a company.

In particular, in the situation where various types of credit cards are being distributed as in the present, the application programs for each credit card are often incompatible with each other, and thus, the conventional credit card processed by only one terminal application program as described above. The terminal could not provide services for some credit cards. This caused inconvenience to the customer such as having a large number of cards.

Accordingly, the present invention is to solve the above-described problems, the object of the present invention is to provide an operating system (OS system) by easily updating and managing a number of terminal / card applications online, various kinds of The aim is to provide a credit card terminal based on an operating system that can expand the range of services for credit cards and improve service efficiency, cost reduction, and customer convenience.

A credit card terminal based on an operating system for achieving the object of the present invention, the keypad for inputting a command and a selection menu in the credit card payment process; A credit card reader for reading card information and customer information from the credit card; A memory unit for storing and managing an OS program, a plurality of terminal operating programs, and an IC card application program; The OS program is executed when the card terminal is booted, the information on the read credit card is analyzed, and the corresponding terminal operating program is executed based on the OS program, and the credit is linked with a VAN company server or a card company host according to the program. A CPU that handles the payment of the card; Communication module for transmitting and receiving data with the VAN company server or card company host through a communication network; And an output device for outputting a process and a result according to the credit settlement.

In addition, it is preferable that the CPU downloads necessary terminal operating programs and IC card application programs from a VAN company server or a card company host and adds or updates them to the memory unit.

In addition, the CPU downloads the embedded IC card application program from the customer IC card, adds or updates the built-in IC card application to the memory unit if necessary, and derives the IC card application program stored in the memory unit and delivers it to the customer IC card. It is desirable to add or update the application of the card.

1 is a block diagram of a conventional credit card terminal.

2 is an external view of a credit card terminal according to the present invention.

Figure 3 is a block diagram of a credit card terminal according to the present invention.

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

100: credit card terminal 101: customer IC card

102: operator IC card 103: MS card

111,112: IC card reader 113: MS card reader

120: CPU 130: memory section

131: OS program 132: terminal operating program

133: IC card application

140: communication module 150: keypad

161: LCD 162: sound output unit

163: printer 200: communication network

Hereinafter, with reference to the accompanying drawings an embodiment according to the present invention will be described in detail.

2 is an external view of a credit card terminal according to the present invention.

As shown in Fig. 2, the credit card terminal 100 of the present invention reads the first IC card reader 111 for reading information of the customer IC card 101 and the merchant card operator's IC card 102. A second IC card reader 112 and an MS card reader 113 for reading information of the customer MS card 103 are integrated terminals.

In addition, the keypad 150 for inputting instructions such as electronic payment and program execution, the LCD display device 161 for displaying the credit settlement processing result, the printer 163 for outputting the slip according to the payment, and the like. A sound output device 162 or the like for outputting the processing process as voice is provided.

Of course, the present invention can be applied to a terminal having only an MS card reader or having an IC card reader. In addition, a contact or non-contact type may be used as the IC card.

On the other hand, the internal configuration of the credit card terminal according to the present invention, as shown in Figure 3, the card reader (111, 112, 113), the CPU 120 for controlling the various devices of the terminal, the OS program 131, the terminal A memory unit 130 for storing the operating program 132 and the IC card program 133, a communication module 140 for transmitting and receiving data to and from a card company through the PSTN / VAN network 200, a keypad 150, And an output device such as an LCD 161, a sound output unit 162, a printer 163, and the like.

The CPU 120 executes the OS program 131 stored in the memory unit 130 while booting the terminal as power is applied, and executes the corresponding terminal operating program 132 based on the OS program 131. To control the various devices.

That is, the CPU 120 reads the terminal operating program 132 from the memory 130 to process the inserted credit card while the OS program 131 is executed with the booting of the terminal system. Based on the program 131, the credit settlement process is performed according to the processing process of the operation program.

In this case, when there is no terminal operating program 132 to process the inserted credit card, the operating program is downloaded from the VAN company or the corresponding card company host 300 through the communication module 140 and executed.

The OS program 131 is loaded at the time of booting the terminal system and manages the terminal operating program 132 and the IC card program 133 in the memory unit 130. Memory management, input and output management for the keypad and output device, the download or upgrade of the application program through the communication module 140, and the card reader.

In addition, the OS program 131 also supports functions such as execution order and time allocation between the respective applications so as to process several applications simultaneously.

The OS program 131 may be implemented in Unix, Linux, Windows, VMS of DEC, OS / 2, AIX, and OS / 390 of IBM.

As such, since the card terminal 100 according to the present invention is equipped with the OS program 131 and executes the corresponding application programs and controls the peripheral devices based thereon, not only can the processing speed of the terminal be improved, It is possible to effectively manage the terminal and the card application.

The memory unit 130 stores and manages not only an OS program 131 but also a plurality of terminal operating programs 132 and an IC card application program 133. To this end, the memory unit 130 needs to have a sufficiently large storage capacity compared to a conventional terminal.

Here, the terminal operating program 132 proceeds with the procedure of making a credit settlement according to the information read from the IC card (101, 102) or the MS card 103 and the command input of the keypad 150, the corresponding in the card terminal It is an application program that defines credit card processing procedures. The terminal operating program 132 may be different for each card company and may not be compatible with each other.

Therefore, the present invention stores and manages terminal application programs for each card company in the memory unit 130, and downloads or updates from a corresponding card company host through a communication network, if necessary, and is not limited to a specific card type but various types of customers possessed. Allows the service to be provided for the card.

In addition, the IC card application program is a program and data structure stored in the IC card to manage exchange and use information of the internal electronic money. The IC card application 133 may also be defined differently depending on the card company and the card type, and may not be compatible with each other.

Therefore, the card terminal 100 according to the present invention stores and manages a plurality of IC card applications 133 according to each card company and IC card type in the memory unit 130, and if necessary, the card company host 300 or the customer. Download or update from the IC card 101. In addition, the corresponding IC card application program 133 stored in the memory unit 130 reads and transfers the IC card reader to the customer IC card 101 to update the embedded application program of the customer card or inject a new program. Can be.

The memory unit 130 may include a first memory unit for storing programs and data for a long time, and a second memory unit in which programs and data to be executed currently are read and loaded from the first memory unit for quick access. .

That is, the OS memory 131 and all downloaded application programs and data are stored in the first memory unit for long term storage, and the OS program 131 is loaded at the time of system booting in the second memory unit for quick access. Running applications and data are read from the first memory unit.

The communication module 140 transmits and receives data necessary for credit settlement with a host 300 of a VAN company server or a card company through a communication network 200 such as a public telephone network (PSTN), a LAN, and the Internet.

The first IC card reader 111 reads the card company and the card type information, the electronic money amount information, the customer ID information, the authentication information, etc. from the customer IC card 101, or exchanges the amount information according to the payment. do. In addition, the IC card application 133 embedded in the customer IC card 101 is downloaded and stored in the memory unit 130, or the IC card application program 133 stored in the memory unit 130 is read out and Transfers to IC card 101.

In addition, the second IC card reader 112 reads or writes data to the IC card 102 of the merchant operator.

The electronic money is transferred from the customer IC card 101 to the operator IC card 102 through the first and second IC card readers 111 and 112 so that the price can be settled.

The MS card reading unit 113 is a component that reads the card company and card type, card identification information, customer information, and the like from the magnetic stripe card (MS card) 103 of the customer.

In addition, the card terminal of the present invention is additionally provided with a pin pad (PINPAD, not shown), it is possible to secure the security at the time of payment through the encryption key.

On the other hand, the card terminal 100 according to the present invention configured as described above operates as follows.

First, when power is applied to the card terminal 100, the OS is booted and the OS program 131 is loaded on the CPU 120 and executed.

And, the merchant operator is connected to the card company host or VAN company server 300 through the communication module 140 in the state in which the OS program 131 is executed, the required terminal operating program 132 and IC card application 133 Download it or update it and store it in the memory unit 130.

In this state, when the customer's MS card 103 or IC card 101 is inserted into the MS card reader 113 or the first IC card reader 111, the CPU 120 reads through the card reader. The information is analyzed and the corresponding terminal operating program 132 is read from the memory unit 130 and executed with the support of the OS program 131.

At this time, if there is no corresponding terminal operating program 132, or the terminal operating program 132 and the customer credit card in the memory unit 130 is different from each other or mutually incompatible, the card company through the communication module 140 The terminal operating program 132 is downloaded or updated from the host 300 and executed.

In addition, when it is necessary to inject or update a new IC card application 133 into the customer IC card 101, the IC card application 133 stored in the memory unit 130 is read out or the card company host 300 is read. It is downloaded from the first IC card reader 111 and transferred to the customer IC card 101.

The download or update is made through the command selection of the keypad 150.

When the terminal operating program 132 and the IC card application program 133 are executed through the above process, the credit settlement process is performed according to the process and processing structure of the program.

That is, the CPU 120 transforms the read customer information, the card identification number, the payment price, and the like according to the encryption program, and then transmits the data to the VAN company or the corresponding card company 300 through the communication module 140. do. Then, the authentication and payment results are received from the card company 300 and output.

In addition, when payment is made by the electronic money exchange method from the customer IC card 101 to the operator IC card 102, the corresponding IC card application program 133 is executed to execute the customer through the first IC card reader 111. The electronic money of the IC card 101 is deleted by the payment amount, and the electronic money of this amount is injected into the operator IC card 102 through the second IC card reading unit 112.

At this time, the process and the result is displayed through the LCD 161, the sound output unit 162 outputs a voice message for each process, a slip, etc. for the payment result is output through the printer 163.

In addition, information and options to be added in the payment process may be input through the keypad 150.

As described above, the credit card terminal based on the operating system according to the present invention is equipped with an operating system program to facilitate updating and management of a plurality of terminals and IC card application programs, and interchange of application programs with the IC card. This makes it possible to expand the range of services for various types of credit cards, and to improve service efficiency, reduce administrative costs, and facilitate customer convenience.

What has been described above is just one embodiment for implementing a credit card terminal based on the operating system according to the present invention, the present invention is not limited to the above-described embodiment, which is claimed in the following claims Without departing from the gist of the present invention, anyone with ordinary knowledge in the field to which the present invention belongs will have a technical spirit of the present invention to the extent that various modifications can be made.

Claims (4)

A keypad for entering commands and selection menus, a credit card reader for exchanging card information and customer information from a credit card, a memory unit for storing data and programs necessary for credit card payment, and a VAN server or In the credit card terminal comprising a communication module for transmitting and receiving data with the card company host, an output device for outputting the processing and results according to the credit payment, and a CPU for processing the credit payment while controlling the various devices of the credit card terminal, The memory unit stores and manages an OS program and a plurality of terminal operating programs and IC card application programs. The CPU executes the OS program when the card terminal is booted, and executes the terminal operating program for the inserted credit card from the memory unit based on the OS program to process the customer's payment. Credit card terminal based on the operating system. The memory device of claim 1, wherein the memory unit comprises a first memory unit for long-term storage of data, and a second memory unit for quick access to data. When the card terminal is booted, the OS program is read from the first memory unit and loaded on the second memory unit, and the corresponding terminal operating program and data to be executed are read from the first memory unit and executed on the second memory unit. Credit card terminal based on operating system. The credit card terminal based on the operating system of claim 1, wherein the CPU downloads a terminal operating program and an IC card application program required from a VAN company server or a card company host and adds or updates them to the memory unit. . 2. The CPU according to claim 1, wherein the CPU downloads the embedded IC card application program from the customer IC card and adds or updates the built-in IC card application to the memory unit if necessary, and reads the IC card application program stored in the memory unit to the customer IC card. Credit card terminal based on the operating system, characterized in that for adding or updating the application of the customer IC card by transmitting.