KR200483604Y1 - A card reader assistant appratus and a card reader system - Google Patents

A card reader assistant appratus and a card reader system Download PDF

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Publication number
KR200483604Y1
KR200483604Y1 KR2020150002822U KR20150002822U KR200483604Y1 KR 200483604 Y1 KR200483604 Y1 KR 200483604Y1 KR 2020150002822 U KR2020150002822 U KR 2020150002822U KR 20150002822 U KR20150002822 U KR 20150002822U KR 200483604 Y1 KR200483604 Y1 KR 200483604Y1
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South Korea
Prior art keywords
card reader
card
magnetic
information
unit
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KR2020150002822U
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Korean (ko)
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KR20160003874U (en
Inventor
박헌서
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한국정보통신주식회사
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Priority to KR2020150002822U priority Critical patent/KR200483604Y1/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06KGRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/08Methods or arrangements for sensing record carriers, e.g. for reading patterns by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
    • G06K7/082Methods or arrangements for sensing record carriers, e.g. for reading patterns by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes using inductive or magnetic sensors
    • G06K7/083Methods or arrangements for sensing record carriers, e.g. for reading patterns by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes using inductive or magnetic sensors inductive
    • G06K7/084Methods or arrangements for sensing record carriers, e.g. for reading patterns by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes using inductive or magnetic sensors inductive sensing magnetic material by relative movement detecting flux changes without altering its magnetised state
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06KGRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K17/00Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06KGRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06Record 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
    • G06K19/08Record 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 using markings of different kinds or more than one marking of the same kind in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means
    • G06K19/10Record 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 using markings of different kinds or more than one marking of the same kind in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means at least one kind of marking being used for authentication, e.g. of credit or identity cards
    • G06K19/12Record 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 using markings of different kinds or more than one marking of the same kind in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means at least one kind of marking being used for authentication, e.g. of credit or identity cards the marking being sensed by magnetic means

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  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Artificial Intelligence (AREA)
  • Computer Vision & Pattern Recognition (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

According to an aspect of the present invention, there is provided a card reader auxiliary apparatus including: an interface unit for communicating with a main card reader having a card reader module for card reading; A magnetic read head for sensing a change in a magnetic field representing a magnetic card signal to acquire magnetic card information; And a control unit for transmitting the obtained card information to the main card reader module through the interface unit.

Description

[0001] A CARD READER ASSISTANT APPARATUS AND A CARD READER SYSTEM [0002]

The present invention relates to a card reader auxiliary apparatus and a card reader system. More particularly, the present invention relates to a card reader auxiliary apparatus and a card reader system capable of solving the inconvenience of card transaction using a card reader apparatus.

Typically, a financial transaction terminal such as a card reader terminal may be provided with a magnetic stripe reader (MSR) module for reading the encoded card information on the magnetic strip of the card.

It is common that a card reader terminal for such a financial transaction is connected to a financial server or a VAN company server through a dedicated on / off line to perform a financial transaction business.

However, in such a financial transaction, a magnetic card including a magnetic strip has to have a real card at all times, and it is inconvenient to not only report a lost card when it is lost, but also receive a new card.

In recent years, a magnetic card signal, which can be generated by a card reader terminal, is stored in a card reader terminal using a portable terminal or a separate communication device. In actual payment, a magnetic card A magnetic field signal corresponding to a signal is generated and transmitted to the card reader module so that technology for enabling wireless reading of card information and the like is also being developed in an existing card reader terminal. Such a technique can have the same effect as a purchaser who purchases a commodity, without having a separate magnetic card, possessing the magnetic card.

However, in general, since the card reader terminal belongs to the purpose of the seller who sells the goods and receives the real magnetic card from the purchaser, the card reader module that reads the card information is used as a point of sale The present invention is provided only at a position where the card reader terminal is fixed to the card reader and the seller can easily receive the card of the purchaser.

Accordingly, when a user intends to make a card settlement to an existing card reader terminal by using the portable terminal or the communication device to which such a magnetic card signal is transmitted, the seller may hand over the portable terminal to the purchaser, There is an inconvenience that the card reader unit of the leader terminal must be provided so as to face the buyer side.

In addition, since a portable terminal or a communication device for transmitting a magnetic card signal as described above is not popularized and an existing magnetic card reader is actively used, the position and direction of the card reader terminal are changed Or it is difficult to decide on either side.

In addition, when the portable terminal is handed over to the seller as described above, the settlement does not proceed more easily than when the existing magnetic real card is used, which results in a problem that the user is reduced due to inconvenience.

According to an aspect of the present invention, there is provided a card reader auxiliary device that is connectable to an existing card reader terminal and receives a magnetic card signal of a purchaser and transmits the received magnetic card signal to a main card reader, The present invention provides a card reader auxiliary apparatus and a card reader system that can easily provide a card reader and a card reader.

According to another aspect of the present invention, there is provided an auxiliary device for a card reader, comprising: an interface for communicating with a main card reader having a card reader module for card reading; A magnetic read head for sensing a change in a magnetic field representing a magnetic card signal to acquire magnetic card information; And a control unit for transmitting the obtained card information to the main card reader module through the interface unit.

According to another aspect of the present invention, there is provided a card reader system including a card reader module, wherein when card information is received by the card reader module, based on the card information and the inputted payment information, A main card reader for transmitting a generated payment approval request to a server; And a magnetic read head connected to the main card reader through an interface for sensing a change in a magnetic field indicative of a magnetic card signal to obtain magnetic card information, And a card reader auxiliary device for transmitting the read data to the reader module.

According to the present invention, by providing a card reader auxiliary device which can be connected to a main card reader terminal having a card reader module separately and receives and transmit a magnetic card signal, it is possible to input a magnetic card signal to the main card reader Accordingly, the quality of the financial transaction service can be improved by shortening the settlement procedure.

In addition, the card reader auxiliary device according to the present invention is a magnetic reader that is configured to easily transmit a magnetic card signal through a portable terminal or a communication device that transmits a magnetic card signal wirelessly while maintaining compatibility with an existing card reader terminal, By providing the head, the card reading accuracy and convenience can be improved at the same time.

FIG. 1 is a system block diagram illustrating a financial transaction system using a card reader according to an embodiment of the present invention. Referring to FIG.
2 illustrates a card reader system according to an embodiment of the present invention.
3 is a block diagram showing the configuration of a card reader auxiliary apparatus according to an embodiment of the present invention.
4 is a view showing a card reader auxiliary apparatus according to an embodiment of the present invention.

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

First, the terms used in the specification of the present invention will be briefly defined, and then an embodiment of the present invention will be described.

The term " terminal "described in this specification may include a mobile phone, a smart phone, a laptop computer, a digital broadcast terminal, a PDA (Personal Digital Assistants), a PMP (Portable Multimedia Player) The present invention is not limited to this, and may be various devices capable of user input and information display.

Also, the term "server" may refer to a server that processes information related to financial transactions. For example, the financial server includes a bank server for relaying transactions between financial accounts, a server for a van (VAN) server for relaying financial card electronic settlement, a card company server for processing payment approval for credit card transactions, . In addition, there may be a form in which the actual financial transaction function and other additional functions are separated into separate server types according to a specific function.

FIG. 1 is a system block diagram illustrating a financial transaction system using a card reader according to an embodiment of the present invention. Referring to FIG.

Referring to FIG. 1, a financial transaction system using a card reader device according to an embodiment of the present invention includes a main card reader device 200 to which a card reader auxiliary device 100 is connected, a relay server 300, 500).

The main card reader apparatus 200 is connected to the general mobile communication network 30 or the IP network 50 and can perform communication for payment of a card with the relay server 300.

For example, the main card reader 200 may be a point-of-sale (POS) terminal for payment of a card. If a person skilled in the art is familiar with the present invention, It is possible to deduce the functional configuration of Basically, the main card reader device 200 may include a POS specific function for managing a point-of-sale and a basic configuration for implementing an electronic payment function according to the card payment means.

Accordingly, although not shown, the main card reader apparatus 200 basically includes a control unit, a memory unit, a key input unit, a screen output unit, a print output unit, and the like, and may include a power supply unit for supplying a predetermined power And may further include a separate card reader module for card reading. In particular, the card reader module may include at least one of a magnetic card reader unit, a barcode reader unit, an RFID reader unit, and an IC card reader unit. The main card reader apparatus 200 can control components provided for security settlement processing through encryption of card information.

The main card reader 200 may be connected to the mobile communication network 30 and may be a personal portable terminal capable of transmitting and receiving data to and from an IP (Internet Protocol) A Personal Digital Assistant (PDA), and the like may be exemplified.

The relay server 300 is a server of a VAN (Value Added Network) company that provides a billing agency service in an electronic payment system using a credit card 10, for example.

However, the present invention is not limited to this, but may be a server for relaying only the purchase of a paper other than the server for payment by the relay server 300, or a simple relay server connected to a server of a general card company. Further, the card issuer server 500 represents a server of the card issuer who issued the card.

In the embodiment of the present invention, the main card reader apparatus 200 of the seller shown in FIG. 1 may be connected to the card reader auxiliary apparatus 100.

The card reader auxiliary device (100) includes a magnetic lead head which includes an interface for communicating with the main card reader device (200) and acquires magnetic card information by detecting a change in magnetic field indicating a magnetic card signal, And transmits the obtained card information to the card reader auxiliary device 100 through the interface part.

The card reader auxiliary device 100 may be connected to the main card reader device 200 having the card reader module as described above. The card reader auxiliary device 100 may be connected to the card reader / A magnetic card signal sliding on the main card reader unit 200 may be received instead and transmitted to the main card reader unit 200. This enables the purchaser to input the magnetic card signal to the main card reader, thereby shortening the settlement procedure, thereby improving the quality of the financial transaction service.

In addition, the card reader assisting device according to the present invention can easily transmit a magnetic card signal through a portable terminal or a communication device that wirelessly transmits a magnetic card signal while maintaining compatibility with a conventional card reader terminal, The card reading accuracy and convenience can be improved at the same time.

The main card reader 200 receiving the magnetic card information from the card reader auxiliary device 100 has a payment program and transmits a transaction approval request message to the relay server 300 using the payment program to confirm And performs a credit settlement process by making a request.

The main card reader apparatus 200 includes a receipt related to transaction approval or cancellation with the purchaser's terminal when the transaction is approved or canceled using the payment program 110 and a receipt related to issuance or cancellation of the cash receipt And transmits the generated message.

In the embodiment of the present invention, the relay server 300 shown in FIG. 1 registers and stores the seller information using the main card reader apparatus 200 from the merchant in advance. Here, the seller information includes a telephone number of the seller, and may further include a name of the seller, a name of a merchant to which the seller belongs, a business registration number, and the like.

Also, the relay server 300 can manage the transaction information of the seller or the franchisee by assigning an identification ID to each seller or each franchisee. At this time, the relay server 300 can directly manage the transaction information of the seller or the merchant through a separate additional server. In addition, the relay server 300 may provide a payment program provided in the merchant's main card reader apparatus 200. [

If the payment program is previously installed in the merchant's main card reader device 200, the downloading operation may be omitted.

Meanwhile, when a signature of the purchaser is required for payment of a card, the card reader auxiliary device 100 according to the embodiment of the present invention can further receive the sign information inputted through the touch pad and deliver it to the main card reader device 200 . In this case, the main card reader apparatus 200 transmits the signature information to the relay server 300 together with the transaction approval request message.

The billing program is provided using the downloading method, but this is an example, and it is possible to transmit the payment program to the main card reader device 200 of the seller using various known program transmission methods.

For example, a seller accesses an open application market such as an affiliate site on the Internet or an Android market or an app store, inputs information of a seller and a seller terminal, subscribes to a member, It can also be downloaded from the web.

At this time, uploading, updating information or other management of the settlement program may be performed in the relay server 300 or in another type of server.

2 illustrates a card reader system according to an embodiment of the present invention.

Referring to FIG. 2, a card reader system according to an embodiment of the present invention includes a card reader auxiliary device 100 connected to a main card reader device 200.

The card reader auxiliary device 100 can directly touch the external magnetic card 20 or read the magnetic card signal received from the wireless terminal 10 and transmit it to the main card reader device 200. [

Accordingly, the main card reader apparatus 200 transmits the payment approval request message based on the payment information or the product information separately entered by the seller to the relay server 300, using the card information that the card reader assistant device 100 has instead received, As shown in FIG.

In particular, the main card reader apparatus 200 may include a separate card reader module, which can be used by the seller as a means of directly receiving the card or the wireless terminal 10 and reading the main card reader apparatus 200 , The card reader assistance device 100 may be used to allow the purchaser to approach the wireless terminal 10 that generates the magnetic card signal.

For this purpose, the card reader auxiliary device 100 may include an interface connected to the main card reader device 200 via a cable. The magnetic reader device 200 may include a magnetic lead for acquiring magnetic card information by detecting a change in magnetic field, And may transmit the obtained magnetic card information to the main card reader apparatus 200 through the interface unit.

3 is a block diagram showing the configuration of a card reader auxiliary apparatus according to an embodiment of the present invention.

3, the card reader auxiliary apparatus 100 according to the embodiment of the present invention includes a magnetic lead head 101, a key operation unit 105, a touch pad 109, a display unit 111, a memory 113, An interface unit 135 and a control unit 115. The control unit 115 includes a card information processing unit 115a and an encryption unit 115b.

The magnetic read head 101 senses a change in magnetic field representing a magnetic card signal to acquire magnetic card information.

In particular, the magnetic read head 101 according to the present invention is formed of a magnetic body having a predetermined size and shape, and can detect a change in magnetic field representing a magnetic card signal and transmit the sensed change to the controller 115. In the embodiment of the present invention, in order to acquire magnetic card information in accordance with a magnetic card signal transmitted wirelessly, the magnetic card reader may be configured to read the card information recorded in the magnetic card reader, The shape and characteristics can be adjusted.

The card reader assist device 100 may further include an IC card reader (not shown) capable of sensing and reading card information recorded on the IC chip of the card.

The key operation unit 105 selectively includes a key for inputting a telephone number according to whether the touch pad 109 is provided. If the telephone number and the signature information for payment of a card are inputted through the touch pad 109, the key operation unit 105 may be configured with only a minimum function key for power on / off. Hereinafter, the key operation unit 105 and the touch pad 109 will be collectively referred to as a key input unit.

The control unit 115 may include a card information processing unit 115a and an encryption unit 115b.

The card information processing unit 115a can transmit the card information read from the magnetic read head 101 to the main card reader apparatus 200 via the interface unit 135. [ The main card reader apparatus 200 can perform a service according to a typical credit card electronic payment method based on the card information received from the interface unit 135. [

When the transaction approval result transmitted from the card issuer server 500 via the relay server 300 is received by the main card reader apparatus 200, the card information processing unit 115a transmits the result to the display unit 111 .

When the card reader auxiliary device 100 includes the touch pad 109 as a key input unit, the signature of the purchaser is handwritten through the touch pad 109, and the card information processing unit 115a records the signature of the input buyer To the main card reader apparatus 200 as signature information for card settlement.

On the other hand, when the card reader assistant device 100 does not have the touch pad 109, signature input may be performed through the main card reader device 200 or may be omitted when the purchaser's card is paid.

Meanwhile, the encryption unit 115b can encrypt information transmitted and received through the interface unit 135 according to a predetermined algorithm. Only the main card reader apparatus 200 or the relay server 300 can be provided such that the encryption key information of the encrypted data in the encryption unit 115b is decrypted only by the main card reader apparatus 200 or decrypted only by the relay server 300 have. For example, the encryption key may be a random number generated by a generic random number generator or the like, but may preferably include a public key paired with a private key generated using a public key algorithm. It may be at least one of a public key and a private key generated using a RSA (Rivest, Shamir and Adleman) public key algorithm.

The control unit 115 controls the overall operation of the remaining components.

The interface unit 135 includes a cable control unit 133 for automatically or manually controlling a cable length with the main card reader apparatus 200 and a connection terminal 132 for connecting the main card reader apparatus 200 to the main controller apparatus 200. [ . ≪ / RTI >

The connection terminal 132 may be a digital connection terminal such as USB, micro USB or RSA232, or an analog connection terminal, and may be an analog-to-digital converter for converting an analog signal into a digital signal, To-analog converter (Digital-Analog Converter).

Meanwhile, when the card information acquired by the card reader auxiliary apparatus 100 is received through the interface unit 135, the main card reader apparatus 200 transmits a transaction approval request message including settlement request information for secure credit card payment , The signature information may be encrypted in accordance with a second encryption algorithm different from that of the card reader auxiliary device 100 and transferred to the relay server 300.

4 is a view showing a card reader auxiliary apparatus according to an embodiment of the present invention.

Referring to FIG. 4, the card reader assisting apparatus 100 according to the embodiment of the present invention includes a magnetic read head 101 and detects a change in the magnetic field according to the magnetic card signal transmitted from an external terminal can do.

However, since the magnetic read head 101 is generally shielded, magnetic field transmission and reception of the magnetic card signal may not be smooth.

In order to solve this problem, the card reader assisting apparatus 100 of the present invention further includes a shielding part 120 for shielding the magnetic lead head 101 from external noise in the housing, And at least one opening 121 positioned in one direction of the card reader assisting device 100 to facilitate passage of the magnetic card signal wirelessly transmitted from the external terminal.

Accordingly, the magnetic field passing through the opening 121 induces the occurrence of the magnetic field change of the magnetic lead head 101, so that the magnetic signal can be easily read, and the accuracy of card reading and the reliability of the product can be enhanced.

4, the interface unit 135 may further include a cable control unit 133 that can change the cable length between the interface unit 135 and the main card reader 200 . Accordingly, the seller can freely adjust the position and the line complexity of the card reader auxiliary apparatus 100 connected to the main card reader apparatus 200 without being bound to the line complexity.

The housing of the card reader auxiliary device 100 may further include a fixing portion 140 for fixing the card reader auxiliary device 100 to a specific position. The fixing part 140 may include an adhesive member 142 and a supporting member 141 for adhering and fixing the card reader assisting device 100 and may be provided with fixing means for fixing the card reader supporting device 100 to a specific position in various ways have.

Although the preferred embodiments of the system between the card reader auxiliary apparatus 100 and the main card reader apparatus 200 according to the present invention have been described above, the present invention is not limited to these embodiments, It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims.

100: Card reader accessory
200: main card reader device
300: relay server
500: card company server

Claims (8)

A card reader auxiliary device comprising:
A card reader unit, a barcode reader unit, an RFID reader unit, and an IC card reader unit for reading a card, and when the seller receives the card or the wireless terminal directly, the card reader reads the card information, And a main card reader for receiving a wireless magnetic card signal received from a wireless terminal directly accessed by the buyer in place of the main card reader, To an interface;
A magnetic read head for sensing a change in a magnetic field indicating the wireless magnetic card signal from the wireless terminal to acquire wireless magnetic card information instead of the main card reader;
And a shield for shielding the magnetic lead head from external noise in a housing of the card reader auxiliary device, wherein the shield is provided in the card reader assisting device in one direction At least one or more openings located in the openings,
And a controller for transmitting the wireless magnetic card information to the main card reader through the interface unit,
The main card reader transmits to the relay server a transaction approval request message including the payment request information based on the wireless magnetic card information received instead through the interface unit
Card reader accessory.
delete delete The method according to claim 1,
A touch pad for acquiring signature information corresponding to the wireless magnetic card information; And
And a display unit for outputting transaction information based on the wireless magnetic card information
Card reader accessory.
The method according to claim 1,
And a cable control unit provided in the interface unit and being capable of varying the length of the cable between the interface unit and the main card reader,
Card reader accessory.
The method according to claim 1,
Further comprising a fixing portion for fixing the card reader auxiliary device to a specific position
Card reader accessory.
The method according to claim 1,
And an encryption unit for encrypting the wireless magnetic card information
Card reader accessory.
In a card reader system,
A card reader unit, a barcode reader unit, an RFID reader unit, and an IC card reader unit for reading a card, and when the seller receives the card or the wireless terminal directly, the card reader reads the card information, A main card reader for transmitting a payment approval request generated based on the card information and the inputted payment information to a server when the card information is received by the card reader module, ; And
The main card reader receives a wireless magnetic card signal received from a wireless terminal directly accessed by the purchaser side, and transmits the wireless magnetic card signal to the main card reader, and transmits the wireless magnetic card signal from the wireless terminal And a card reader auxiliary device for sensing a change in a magnetic field to acquire wireless magnetic card information instead of the main card reader, wherein the housing of the card reader auxiliary device includes a shield for shielding the magnetic lead head from external noise, The shielding part includes at least one opening in one direction of the card reader assist device for passing the wireless magnetic card signal from the wireless terminal and the card reader assist device is operable to transmit the wireless magnetic card information via the interface part To the main card reader
Card reader system.
KR2020150002822U 2015-04-30 2015-04-30 A card reader assistant appratus and a card reader system KR200483604Y1 (en)

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Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2014113278A2 (en) * 2013-01-20 2014-07-24 George Wallner System and method for a baseband nearfield magentic stripe data transmitter

Family Cites Families (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20110087391A (en) * 2010-01-26 2011-08-03 (주)모노시스 Integrated reader

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2014113278A2 (en) * 2013-01-20 2014-07-24 George Wallner System and method for a baseband nearfield magentic stripe data transmitter

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