KR20040000279A - Credit card settling method using wireless communications - Google Patents
Credit card settling method using wireless communications Download PDFInfo
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- KR20040000279A KR20040000279A KR1020020035485A KR20020035485A KR20040000279A KR 20040000279 A KR20040000279 A KR 20040000279A KR 1020020035485 A KR1020020035485 A KR 1020020035485A KR 20020035485 A KR20020035485 A KR 20020035485A KR 20040000279 A KR20040000279 A KR 20040000279A
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- card
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- reader
- wireless
- image code
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/06009—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking
- G06K19/06018—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking one-dimensional coding
- G06K19/06028—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking one-dimensional coding using bar codes
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- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
본 발명은 무선통신을 통한 카드결제방법에 관한 것으로서, 특히 카드에 인쇄된 바코드, 즉 카드정보를 수록한 바코드를 무선 전용 리더기를 사용하여 판독, 즉 스캔하고 그 정보를 사업자 서버로 송출한 후 사업자 서버에서 금융망에 접속하여 인증한 후 결제 대금을 결제하게 되는 무선통신을 통한 카드결제방법에 관한 것이다.The present invention relates to a card payment method through wireless communication, in particular, the barcode printed on the card, that is, the barcode containing the card information is read, that is scanned using a wireless dedicated reader, that is to send the information to the operator server operators The present invention relates to a card payment method through wireless communication in which a payment is made after accessing a financial network from a server and authenticating.
현재에 이르러, 무선통신과 인터넷과 같은 소위 IT사업은 굉장히 빠른 속도로 진보하고 있다. 특히 무선통신의 경우에는 갈수록 시간당 송수신할 수 있는 정보가 급격히 증대되고 있는 실정이다.To date, so-called IT businesses such as wireless communications and the Internet are advancing at a very rapid pace. In particular, in the case of wireless communication, information that can be transmitted and received per hour is rapidly increasing.
통상적으로, 카드를 사용하여 결제를 하게 되는 경우에는, 대금 청구자가 온라인으로 금융망에 유선으로 연결된 마그네틱 리더기를 사용하여 카드에 인쇄된 마그네틱을 읽어 그 정보를 송출하고, 송출된 정보는 금융 사업자가 이를 인증하여 다시 마그네틱 리더기로 송출하여 인증하고, 마지막으로 카드 소유자가 청구서에 서명함으로써 결제가 이루어지는 방법이 가장 널리 사용되고 있다.In general, when a payment is made using a card, the biller reads the magnetic printed on the card by using a magnetic reader connected by wire to the financial network online and sends the information. The most widely used method is to authenticate the card, send it back to the magnetic reader for authentication, and finally, the card holder signs the bill.
한편, 근래에 이르러서는 마그네틱을 이용하는 것이 아니라, 칩을 카드에 내장시켜 이 칩의 정보를 비 접촉식으로 리더기가 읽어 유선으로 동일한 방법으로 인증하여 결제가 이루어지는 방법이 개발되었다. 이러한 칩을 사용하는 방법은 칩을 사용하는 것이 훨씬 빠르고 보안상 유리하기 때문에 빠르게 발전하고 있는 실정이다.On the other hand, in recent years, a method has been developed in which a chip is embedded in a card instead of using a magnetic, and the information of the chip is read by a reader in a non-contact manner and authenticated by wire in the same manner. The method of using such a chip is rapidly developing because the use of the chip is much faster and better for security.
그러나, 상기한 모든 종래의 결제 방법들은 유선으로 연결된 카드 리더기를 사용하여야만 결제가 가능하게 되기 때문에 소규모 판매회사나, 온라인쇼핑몰, 케이블TV 홈쇼핑 등과 같은 배달형 서비스 기업들은 카드 결제방법을 사용함에 있어 고객과 유통점 상호간 카드의 안정적 사용에 불안감을 갖을 수 밖에 없는 문제점이 있다.However, all of the above conventional payment methods are only possible to pay using a card reader connected by wire, so small service companies, delivery service companies such as online shopping malls, cable TV home shopping, and the like use the card payment method. There is a problem inevitably have anxiety in the stable use of the card between the retail stores.
본 발명은 상기한 종래 기술의 문제점을 해결하기 위하여 안출된 것으로서,카드에 인쇄된 이미지 코드인 바코드, 즉 카드정보를 수록한 바코드를 무선 전용 리더기로 읽고 그 정보를 사업자 서버로 송출하여 인증 받음으로써 대금 결제가 이루어지는 무선통신을 통한 카드결제방법을 제공하는데 그 목적이 있다.The present invention has been made in order to solve the above problems of the prior art, by reading a barcode that is an image code printed on the card, that is, a bar code containing the card information with a wireless reader, and sending the information to the operator server to authenticate Its purpose is to provide a card payment method through wireless communication in which payment is made.
도 1은 본 발명에 의한 무선통신을 통한 카드결제방법의 구성도,1 is a block diagram of a card payment method through wireless communication according to the present invention;
도 2는 본 발명에 의한 무선통신을 통한 카드결제방법의 순서도이다.2 is a flowchart illustrating a card payment method through wireless communication according to the present invention.
〈도면의 주요 부분에 관한 부호의 설명〉<Explanation of symbols about main part of drawing>
1 : 사업자 서버1: Operator Server
2 : 금융망 서버2: financial network server
3 : 카드3: card
4 : 무선 전용 리더기4: wireless dedicated reader
본 발명에 의한 무선통신을 통한 카드결제방법은 카드정보가 수록된 이미지 코드가 인쇄된 카드를 카드 결제시 제시하는 단계와 제시된 카드의 이미지 코드를 스캐너가 내장된 무선 전용 리더기로 스캔하고 그 정보를 무선으로 카드회사 서버로 송출하는 단계와, 송출된 이미지 코드 정보를 금융망을 통하여 인증하고 인증결과를 무선 전용 리더기로 송출하는 단계를 포함하는 것을 특징으로 한다.In the card payment method through wireless communication according to the present invention, a step of presenting a card printed with an image code containing card information at the time of card payment and scanning the image code of the presented card with a built-in wireless reader and scanning the information wirelessly Transmitting to the card company server, and authenticating the transmitted image code information through a financial network and transmitting the authentication result to a wireless dedicated reader.
또한, 본 발명에 의한 무선통신을 통한 카드결제방법은 상기 카드정보가 수록된 이미지 코드가 바코드인 것을 특징으로 한다.In addition, the card payment method through wireless communication according to the present invention is characterized in that the image code containing the card information is a barcode.
더불어, 본 발명에 의한 무선통신을 통한 카드결제방법은 상기 무선 전용 리더기를 사용하여 스캔하고 이미지 코드 정보와 함께 카드의 비밀번호도 인증을 받기 위하여 함께 송출되는 것을 특징으로 한다.In addition, the card payment method through the wireless communication according to the present invention is characterized in that it is scanned using the wireless dedicated reader and sent out together with the image code information for authentication of the password of the card.
이하, 본 발명의 실시 예를 참조된 도면을 참조하여 설명하면 다음과 같다.Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings.
우선 참조된 도면, 도 1은 본 발명에 의한 무선통신을 통한 카드결제방법의 구성도이고, 도 2는 본 발명에 의한 무선통신을 통한 카드결제방법의 순서도이다.1 is a block diagram of a card payment method through wireless communication according to the present invention, and FIG. 2 is a flowchart of a card payment method through wireless communication according to the present invention.
본 발명에 의한 무선통신을 통한 카드결제방법에 사용되는 하드웨어적 구성은 도 1에 도시된 바와 같이 카드정보가 수록된 이미지 코드인 바코드가 인쇄된 카드(3)와, 상기 카드(3)의 바코드를 스캔하고 그 정보를 무선으로 송출하는 동시에인증정보를 수신할 수 있는 무선 전용 리더기(4)와, 상기 무선 전용 리더기(4)와 송수신하여 인증을 결정하게 되는 사업자 서버(1)와, 상기 사업자 서버(1)에 인증을 위한 금융정보를 제공하는 금융망 서버(2)로 구성된다.The hardware configuration used in the card payment method through wireless communication according to the present invention is a card (3) printed a bar code, which is an image code containing the card information as shown in Figure 1, and the barcode of the card (3) A wireless dedicated reader 4 capable of scanning and transmitting the information wirelessly and at the same time receiving authentication information, a carrier server 1 which transmits and receives a wireless dedicated reader 4 to determine authentication, and the provider server And a financial network server 2 that provides financial information for authentication in (1).
여기서, 무선 전용 리더기(4)는 스캐너가 내장된 무선 단말기로서, 통상의 무선단말기에 스캐너를 내장시킨 형식으로 제작될 수 있으며, 현재 기술로 충분히 개발 가능하다.Here, the wireless dedicated reader 4 is a wireless terminal with a built-in scanner, and can be manufactured in a form in which a scanner is built in a conventional wireless terminal, and can be sufficiently developed with the current technology.
도 2는 본 발명에 의한 무선통신을 통한 카드결제방법의 수순을 나타내는 순서도로서, 상기 카드결제방법은 카드 소유자가 물건이나 서비스를 받고 그 결제시 카드(3)를 제시하게 되면 대금 청구자가 카드(3)에 인쇄되어 있는 카드정보에 해당하는 바코드를 무선 전용 리더기(4)를 사용하여 스캔하는 단계(S1)와, 스캔된 정보를 무선 전용 리더기(4)를 통하여 사업자 서버(1)에 송출하는 동시에 카드 사용자가 무선 전용 리더기(4)에 직접 카드(3)의 비밀번호를 입력하여 마찬가지로 사업자 서버(1)에 송출하는 단계(S2)와, 사업자 서버(1)에 무선 전용 리더기(4)로부터 스캔 정보 및 비밀번호가 수신되면 사업자 서버(1)가 금융망 서버(2)에 접속하여 이를 인증하는 단계로 구성된다.2 is a flow chart showing the procedure of the card payment method through wireless communication according to the present invention, the card payment method is a bill holder when the card holder receives the goods or services and presents the card (3) at the time of payment, Scanning the barcode corresponding to the card information printed on the card using the wireless dedicated reader 4 (S 1 ), and transmitting the scanned information to the operator server 1 through the wireless dedicated reader 4. At the same time, the card user inputs the password of the card 3 directly into the wireless dedicated reader 4 and sends it to the operator server 1 in the same manner (S 2 ), and from the wireless dedicated reader 4 to the operator server 1. When the scan information and password is received, the operator server 1 accesses the financial network server 2 and authenticates the same.
물론, 사업자 서버(1)로부터 인증이 무선 전용 리더기(2)로 수신되면 결제가 완료되는 바, 이때 무선 전용 리더기(4)에 영수증 발행기가 설치되어 있으면, 영수증을 사용자에게 발행할 수 있다.Of course, when the authentication is received from the operator server 1 to the wireless dedicated reader 2, the payment is completed. At this time, if the receipt issuing machine is installed in the wireless dedicated reader 4, the receipt can be issued to the user.
이와 같이, 본 발명에 의한 무선통신을 통한 카드결제방법은 무선 전용 리더기를 사용하여 카드의 바코드(카드정보 수록)를 스캔하고 사업자 서버로 송출하여 인증하는 방법을 사용하기 때문에 소규모 판매회사나 온라인쇼핑몰, 케이블TV 홈쇼핑 등의 배달형 서비스를 제공하는 기업의 경우 물건의 배달시 카드를 사용고객에 대하여 현장에서 결제가 용이하게 이루어질 수 있으며, 일반 유통점에서도 구매자의 경우 결재를 위하여 카드리더기가 있는 장소로 이동하지 않고 현재 장소에서 판매자가 무선전용리더기로 카드 정보를 읽어 결제를 할 수 있기 때문에 구매자의 편리성을 제공과 함께 매출의 증대를 기대할 수 있는 효과를 제공한다.As described above, the card payment method through wireless communication according to the present invention uses a method of scanning a barcode (containing card information) of a card using a wireless reader and sending it to an operator server for authentication, thereby enabling a small sales company or an online shopping mall. In the case of a company that provides a delivery service, such as cable TV home shopping, payment can be easily made on the spot for customers using the card when the goods are delivered.In the case of a general retailer, the buyer moves to the place where the card reader is located for payment. Instead, the seller can read the card information with the wireless reader at the current place and make a payment, thus providing the convenience of the buyer and increasing the sales.
본 발명은 상기 실시 예에 한정되지 않고 본 발명의 기술적 요지를 벗어나지 않는 범위 내에서 당해 기술분야의 통상의 지식을 가진 자에 의해 다양하게 변형 실시될 수 있다.The present invention is not limited to the above embodiments and may be variously modified and implemented by those skilled in the art without departing from the technical gist of the present invention.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020020035485A KR20040000279A (en) | 2002-06-24 | 2002-06-24 | Credit card settling method using wireless communications |
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| KR1020020035485A KR20040000279A (en) | 2002-06-24 | 2002-06-24 | Credit card settling method using wireless communications |
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Citations (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JPH10203358A (en) * | 1997-01-23 | 1998-08-04 | Otis Elevator Co | Linear type shuttle |
| KR19990066397A (en) * | 1998-01-26 | 1999-08-16 | 유영식 | Data conversion device between credit card inquiry and mobile communication terminal |
| KR200194507Y1 (en) * | 2000-03-20 | 2000-09-01 | 주식회사케이엔티그룹 | Portable telephone having credit card function |
| KR20010000831A (en) * | 2000-10-21 | 2001-01-05 | 신민교 | Baldhead curing agent and the manufacturing method thereof |
| KR20010025738A (en) * | 2001-01-26 | 2001-04-06 | 김갑수 | Method and system for a settlement and a recognition of a credit card using wireless communications net |
| KR200230813Y1 (en) * | 2001-02-28 | 2001-07-19 | 진용민 | Cellular phone having card reading system |
| KR20010081138A (en) * | 2001-08-07 | 2001-08-29 | -- | accounting method by authentication of mobile telecommunication company |
-
2002
- 2002-06-24 KR KR1020020035485A patent/KR20040000279A/en not_active Application Discontinuation
Patent Citations (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JPH10203358A (en) * | 1997-01-23 | 1998-08-04 | Otis Elevator Co | Linear type shuttle |
| KR19990066397A (en) * | 1998-01-26 | 1999-08-16 | 유영식 | Data conversion device between credit card inquiry and mobile communication terminal |
| KR200194507Y1 (en) * | 2000-03-20 | 2000-09-01 | 주식회사케이엔티그룹 | Portable telephone having credit card function |
| KR20010000831A (en) * | 2000-10-21 | 2001-01-05 | 신민교 | Baldhead curing agent and the manufacturing method thereof |
| KR20010025738A (en) * | 2001-01-26 | 2001-04-06 | 김갑수 | Method and system for a settlement and a recognition of a credit card using wireless communications net |
| KR200230813Y1 (en) * | 2001-02-28 | 2001-07-19 | 진용민 | Cellular phone having card reading system |
| KR20010081138A (en) * | 2001-08-07 | 2001-08-29 | -- | accounting method by authentication of mobile telecommunication company |
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| A201 | Request for examination | ||
| E902 | Notification of reason for refusal | ||
| E601 | Decision to refuse application |