KR20040008747A - Electronic cash gather/accounts equipment and the method using smart card - Google Patents

Abstract

PURPOSE: An electronic money collecting and settling system and method is provided to perform an electronic signature and a certification via the SSAM when electronic money is transacted, and to store each transaction specification at a flash memory for a simple purchase settlement. CONSTITUTION: The system comprises a CPU(11), a flash memory(12), an SSAM(13), and a PCB(14). The CPU(11) is a microprocessor chip for controlling an overall operation and collecting purchase transaction specifications when a transaction collector(10) is contacted with a purchase terminal. The flash memory(12) is a rewritable search memory chip for storing each transaction specification. The SSAM(13) is a kind of a security access module for receiving a security right to extract each transaction specification from a PSAM via a signature and a certification. The PCB(14) includes a contact(15) and a printed pattern(16). The transaction collector(10) is connected to a contact terminal of the purchase terminal via the contact(15).

Description

Electronic Money Collection, Settlement Device and Method in Electronic Money Purchasing Terminal Using Smart Card {ELECTRONIC CASH GATHER / ACCOUNTS EQUIPMENT AND THE METHOD USING SMART CARD}

The present invention relates to an electronic money collection, settlement device and method for an electronic money purchase terminal using a smart card, and more particularly, the electronic signature and verification generated during a transaction using electronic money is made through SSAM, The individual transaction details that occur afterwards are stored in flash memory so that the purchase settlement is made by inserting a single smart card so that the collection and settlement of electronic money can be made easily. The present invention relates to an electronic money collection and settlement device in a terminal and a method thereof.

The present invention relates to an electronic money collection, settlement device and method for an electronic money purchase terminal using a smart card, and more particularly, the electronic signature and verification generated during a transaction using electronic money is made through SSAM, After that, the individual transaction records are stored in flash memory so that the collection and settlement of electronic money can be easily performed by inserting a single PCB card without using dozens or hundreds of settlement cards required for transaction collection. The present invention relates to an electronic money collection and settlement device in a electronic money purchase terminal using a smart card.

In general, electronic money is money that uses electronic means. In other words, while traditional currencies perform functions such as exchange means, value measures, deferred payment means, and value storage means in the form of bills or coins, electronic money performs them using electronic means. Historically, various currencies such as commodity, denomination, credit, and electronic money were distinguished by means of means rather than functions or concepts, and the development of printing technology could generalize the use of bills and checks. Likewise, the development of information technology has emerged as a necessary condition for the development of electronic money.

Currently, electronic money is generally classified into three types: smart card type electronic money, network type electronic money, and electronic check type electronic money. The smart card-type electronic money is a currency in which an IC chip (Integrated Circuit Chip) is stored in a credit card sized card to store the value of an electronic code. That is, a smart card type electronic money holder pays money by transferring the money value in the IC chip to the goods seller when purchasing the goods.

The most representative examples of smart card-type electronic money are Master Card's Mondex, Visa's Visa Cash, and K-Cash of Korea Financial Testing Institute. The operating principle of smart card type electronic money is somewhat different depending on the type of smart card. However, it consists of ① smart card issuance and reader installation, ② smart card fund charging, and ③ smart card payment. That is, a product purchaser who wants to use a smart card receives a smart card from a card issuing company or a member bank of the issuing company, and, if necessary, charges a certain amount from his or her bank account in a charger installed at a bank branch, a public phone, a convenience store, and other merchandise stores. Funds are charged to smartcards and used to pay when goods are purchased at stores with card readers. The transfer of funds is equivalent to withdrawing cash from a bank account using a current cash or credit card. If there is a difference, the cash card is used to withdraw cash directly, but when the electronic money is charged, information about the withdrawal amount is transferred to the IC chip.

Since smart card type electronic money uses IC chips, it is relatively difficult to forge and tamper with, and it is possible to perform calculations by embedding a central computing unit (CPU). In addition, password detection is possible between the card and the terminal, so that in case of loss, the card holder may preserve the value of the money embedded in the card. For such electronic money, if the vending machine manufacturer manages 100 vending machines equipped with off-line purchasing terminals (Modules with 3 PSAMs) when collecting off-line purchase transaction details (eg vending machine) In the absence of a card, the vendor shall remove up to 300 PSAMs from the terminal for settlement and settle at the designated bank and then put them back. In case of making and using a separate settlement mechanism to compensate for the above problems, it is a security problem to store the key value in a place other than a smart card due to the problem of exposing the key value in the required signature generation and verification stages at the time of settlement. There is this. Therefore, a purchase settlement card is required to generate signatures, verify signatures, and store individual transaction details. When using a purchase settlement card, the settlement card consists of a total of 60000 individual transactions (300 PSAMs that store 200 transactions per unit). Must have the capacity to store In this case, assuming that each transaction takes up 40 bytes (purchase date, transaction type, e-money issuer ID, e-money ID, transaction serial number, transaction amount, signature, etc.), a total storage capacity of 2.2 MByte is required. In general, the maximum settlement card capacity is 64KByte, so individual transaction details should be collected using at least 35 settlement cards. In this case, difficulty in managing the settlement card, troublesome exchange of the settlement card, and cost problems due to the settlement card purchase may occur.

In the present invention made in consideration of the above problems, the electronic signature and verification generated during the transaction by electronic money is made through SSAM, and the individual transaction details generated thereafter are stored in Flash Memory so that the purchase settlement is made only once. Technical problem is to provide an electronic money collection, settlement device and method in the electronic money purchase terminal using a smart card to facilitate the collection and settlement of electronic money by being made by inserting the PCB card.

In order to achieve the above object, the present invention provides a central processing unit (hereinafter referred to as CPU), a flash memory, SSAM, and a smart device to perform a mutual authentication by connecting to an access terminal of a purchase terminal, and to collect purchase transaction details under organic cooperation. It comprises a transaction collector consisting of a PCB having the same contact with the card.

1 is a front view showing the configuration of the inventor of the transaction collector,

2 is a front view showing the connection state of the present inventors transaction collector and purchase terminal,

3 is a block diagram schematically showing an authentication step according to the present invention;

4 is a block diagram schematically showing a transaction history collecting step according to the present invention;

5 is a block diagram schematically illustrating a transaction history settlement step according to the present invention;

FIG. 6 is a block diagram schematically illustrating a system configuration in which the steps of FIG. 5 proceed.

<Code Description of Main Parts of Drawing>

10: Deal Collector 11: CPU

12: flash memory 13: SSAM

14: PCB 15: contact

20: purchase terminal 21: access terminal

22: CPU 23: PSAM

30: system service provider 40: electronic money common network center

50: relevant issuance, purchase institution

Figure 1 is a front view showing the configuration of the present inventors transaction collector, Figure 2 is a front view showing a connection state of the inventors transaction collector and the purchase terminal, Figure 3 is an authentication step according to the present invention 4 is a block diagram schematically illustrating a transaction history collecting step according to the present invention, FIG. 5 is a block diagram schematically showing a transaction detail settlement step according to the present invention, and FIG. This is a block diagram schematically showing the system configuration in which the steps of.

1 and 2, the present invention is connected to the connection terminal 11 of the purchase terminal 20, and after mutual authentication, the central processing unit to collect the purchase transaction details under organic cooperation And a transaction collector 10 composed of a flash memory 12, a SSAM 13, and a PCB 14 having the same contact point 15 as the smart card.

The CPU 11 is a microprocessor chip that controls and manages the entire operation of the transaction collector 10, and the flash memory 12 is a PROM which is a rewriteable search-only memory. A memory chip for rewriting, SSAM 13 is a Security Access Module for obtaining security rights for extracting individual transaction details from PSAM through signature generation and verification, and PCB 14 is an access terminal of a purchase terminal 20 And a contact pattern 15 and a print pattern 16 for connecting the 21 and the transaction collector 10.

The present invention configured as described above can store the transaction details collected from the purchase terminal 20 in the flash memory 12 of the transaction collector 10 through the PCB (14).

In the present invention, as shown in the accompanying drawings, as shown in Figure 3, when the connection for mutual communication, the authentication step (S10) for security, after the authentication step (S10), transaction history collection step (S20) for collecting the purchase history ), And the transaction history settlement step (S30) for the settlement of the collected transaction history.

In the authentication step S10, the PCB 14 of the transaction collector 10 is inserted into and connected to the connection terminal 21 of the purchase terminal 20, and then the purchase terminal 20 and the transaction collector 10 mutually authenticate each other. By acquiring the authority for collecting transaction details through the mutual authentication procedure, the transaction collector 10 generates and stores one random number and transmits the random number to the purchase terminal 20, and the purchase terminal 20 transmits a random number. Receives and generates a random number and saves itself (S11).

Thereafter, the purchase terminal 20 generates a MAC using a SEED encryption algorithm using the KEY value stored in the CPU 22, the random number received from the transaction collector 10, and the random number generated by itself, and appends it to the random number generated after generating the MAC. Transmit to the transaction collector 10. (S12)

The transaction collector 10 generates the MAC in the same manner as the purchase terminal 20 with the received random number and authenticates the same if compared with the sent MAC value (S13).

After the authentication process is completed in the authentication step (S10) as described above, as shown in the accompanying drawings, the transaction history collecting step (S20) is performed, the steps are as follows.

The SSAM 13 of the transaction collector 10 and the PSAM 23 of the purchasing terminal 20 are initialized by mutual initial value setting data transmission, and at this time, the CPU 11 causes the data between the SSAM 13 and the PSAM 23 to be initialized. After checking whether the transmission is duplicated, the SSAM 13 generates the signature data and transmits the signature data to the PSAM 23 (S21).

The PSAM 23 verifies the signature data, generates its signature data, and then generates a purchase transaction history (S22).

The total amount is calculated through the purchase history read by the PSAM 23 and transmitted to the SSAM 13 together with the signature data.

The SSAM 13 verifies the signature data, generates its signature data, and transmits the signature data to the PSAM 23 (S24).

The PSAM 23 verifies the signature data transmitted from the SSAM 13, stores the transaction details, deletes the calculated total amount and the individual transaction details, generates the signature data, and transmits the signature data to the SSAM 13. (S25)

The SSAM 13 verifies the signature data transmitted from the PSAM 23 and transmits the abnormality to the PSAM 23 (S26).

As described above, the purchase transaction history collected in the transaction history collecting step (S20) is to go through the transaction history settlement step (S30), as shown in Figures 5 and 6 of the accompanying drawings, the steps are as follows.

Purchase transaction history transmission step (S31) for the purchase terminal (S20) transmits the purchase transaction history to the system service provider, and purchase transaction history integrity verification step for verifying the integrity of the purchase transaction history transmitted by the system service provider ( S32 and, after the purchase terminal 20 receives a normal response from the system service provider 30, deletes the corresponding purchase transaction history of the PSAM, initializes the transaction total amount (S33), and the system service provider (S32). 30 is a purchase transaction history transmission step (S34) for transmitting the purchase transaction details collected from each purchase terminal 20 to the electronic money common network center 40, and the electronic money common network center 40 is a system service provider ( After verifying the purchase transaction history transmitted from the 30), the transaction history settlement step (35) is transmitted to the issuing ?? buying agency (50).

In the present invention as described above, the electronic signature and verification generated during the transaction by electronic money is made through SSAM, and the individual transaction details generated afterwards are stored in the flash memory so that the purchase settlement is inserted into the PCB card only once. By making it to have the effect of making the collection and settlement of electronic money easily.

Claims (4)

The central processing unit 11, the flash memory 12, and the SSAM 13, which are connected to the connection terminal 21 of the purchase terminal 20 and mutually authenticated, collect the purchase transaction details under organic cooperation. And a transaction collector (10) comprising a PCB (14) having the same contact point (15) as a smart card, for the purpose of transaction collection settlement, electronic money collection and settlement device in an electronic money purchase terminal using a smart card. 2. The PRAM of claim 1, wherein the CPU 11 of the transaction collector 10 is a microprocessor chip that controls and manages the overall operation of the transaction collector 10, and the flash memory 12 is a rewriteable search dedicated memory. It is a memory chip that electrically erases previous contents and rewrites. SSAM 13 is a Security Access Module for obtaining security authority for extracting individual transaction details from PSAM through signature generation and verification. ) Is the electronic money in the electronic money purchase terminal using a smart card, characterized in that the connection terminal 21 of the purchase terminal 20 and the contact 15 and the print pattern 16 for connecting the transaction collector 10 Collection, settlement device. At the time of the communication connection by the connection of the transaction collector 10 and the connection terminal 21 of the purchase terminal 20, the transaction history collection for collecting the purchase history after the authentication step (S10) and the authentication step (S10) for security. Step (S20), and the transaction history payment step of calculating the collected transaction history (S30) characterized in that the electronic money collection, settlement method in the electronic money purchase terminal using a smart card. The method of claim 3, wherein the authentication step (S10) is inserted into the connection terminal 21 of the purchase terminal 20 of the PCB 14 of the transaction collector 10, and then connected, the purchase terminal 20 and the transaction collector In order to obtain the authority for collecting transaction details through mutual authentication, the mutual authentication procedure is generated by the transaction collector 10 and stores one random number, and then transmits the random number to the purchase terminal 20, and purchases the transaction. The terminal 20 receives a random number and generates one random number and stores the generated random number (S11). Then, the purchase terminal 20 includes a KEY value stored in the CPU 22 and a random number received from the transaction collector 10. After generating the MAC using the SEED encryption algorithm using the random number generated by the self (S12) and attached to the transaction collector 10 after the random number generated (S12), and the transaction collector 10 has the received random number with the purchase terminal Create and send MAC in the same way as 20 When the same compared to the MAC value of the electronic money collecting method in the settlement of electronic money purchase device using a smart card, characterized by made of an step (S13) for authentication.