KR20050019527A - payment transaction terminal for contact and contactless card - Google Patents

Abstract

PURPOSE: A settlement processing terminal for a contact/non-contact type card connected to a service provider through the wired/wireless communication network is provided to reduce expense of a businessman, easily download/update/store various kinds of information by including a USB(Universal Serial Bus) port, and largely reduce power consumption by being operated in only the necessary case. CONSTITUTION: A contact-typed card processor(12) is equipped with a contact port for exchanging data with a contact-typed card. A non-contact-typed card processor(14) is equipped with an antenna for exchanging the data with a non-contact-typed card. A sensor(22) detects contact between the contact-typed card and the contact port, and approximation of the non-contact card to the antenna. A CPU(16) processes command data for settlement determination of a service provider by connecting to each card processor and the wired/wireless communication network. The USB port(26) receives external data. A memory(18) stores/updates the external data by connecting to the CPU and the USB communication port. A shutdown controller(24) turns on/off driving power supplied from a power supply(20) based on a detection result.

Description

Payment transaction terminal for contact and contactless card {payment transaction terminal for contact and contactless card}

The present invention relates to a payment processing terminal for contact and contactless cards, and more particularly, a payment processing that can be connected to a service provider and a wired / wireless communication network to process a payment card and a contactless card. It relates to a terminal.

In recent years, as the industrial structure is rapidly advanced, efficient storage and processing of information is very important.In response to this, various information storage media of miniaturization and light weight are introduced to enable long-term and stable information management. have.

In particular, the technological development of these information storage media has been applied as an electronic payment method instead of the existing currency exchange method, thanks to the development of the network and digital information protection fields in accordance with the expansion of wired and wireless communication networks. In e-commerce based on infrastructure, it replaces all traditional payment methods such as money, checks, drafts and credit cards.

The most representative example of such an electronic payment means is a smart card, a kind of closed cards (Native Cards), the definition of which may vary depending on the application, but the microprocessor and the central processing unit, It refers to a plastic card with an integrated circuit chip (Card Operating System: COS), a security module, and a memory so that a specific task can be processed.

On the other hand, an essential element in the electronic payment using smart cards is a payment processing terminal connected to the service provider providing the electronic payment service through wired / wireless communication. Is an interface device that transmits and processes the output data to the service provider.

In this case, smart cards are generally classified into contact type and non-contact type according to the data exchange method with the payment processing terminal. The double contact smart card (hereinafter referred to as a contact card) is a memory card, a multifunction card, a crypto card, and the like. It includes a general credit card attached with magnetic film and is activated through direct contact with a payment processing terminal, and is usually inserted or contacted through a payment processing terminal to exchange data in a serial manner.

On the other hand, a contactless smart card (hereinafter referred to as a contactless card) uses a frequency signal to exchange data without direct contact with a payment processing terminal. For example, an antenna and a resonant circuit are built in to use a wireless signal such as Bluetooth or It includes all forms of payment using infrared function or payment means equipped with transmission / reception module in subway pass card, bus card and credit card, and all forms in which these payment means are mounted on mobile phone or notebook computer.

Therefore, the existing payment processing terminals are also divided into payment processing terminals for contact cards and payment processing terminals for contactless cards, and each of them can process only smart cards of the corresponding method. There is a disadvantage in that all payment processing terminals for a contactless card must be provided.

In particular, in recent years, in order to eliminate the inconvenience and risk of cash holding, the payment of electronic payments using smart cards is increasing rapidly and the government is actively recommending the system. There is a problem that the result of forcing all the payment processing terminal for the card to be unreasonably burdened, causing a national waste of resources.

Accordingly, the present invention is to solve the above problems can be processed for both contact and contactless card, and in particular, the lower power consumption and a smaller configuration is possible to provide a convenient payment processing terminal to carry. have.

The present invention provides a payment processing terminal connected to a service provider and a wired or wireless communication network in order to achieve the above object, a contact card processing unit having a contact terminal for exchanging data with a contact card; A contactless card processing unit provided with an antenna for exchanging data with the contactless card; A sensor unit detecting whether the contact terminal and the contact card are in contact, and whether the antenna and the contactless card are in proximity; A central processing unit connected to the wired / wireless communication network and the contact and contactless card processing unit and processing command data regarding whether to determine the service provider's approval according to each data; A USB communication port through which external data is input; A memory connected to the central processing unit and the USB communication port to store and update external data; A power supply unit connected to the USB communication port and supplying driving power; It provides a payment processing terminal for contact and contactless card, characterized in that it comprises a shutdown control unit for turning on / off the driving power supplied from the power supply based on the detection result of the sensor unit.

In this case, the power supply unit is characterized in that the battery is charged with the power applied to the USB communication port, selected one or both of the card information including the payment amount of the contact card and the contactless card or the remaining power of the battery A display unit which displays a; The apparatus may further include an input unit of a keyboard capable of inputting a command into the CPU and the memory.

In addition, the shutdown control unit turns on the driving power only when the contact card is in contact with the contact terminal or the contactless card is close to the antenna, wherein the external data is a black list of the card operating system and the credit failure It is characterized by that.

In particular, the contact card processing unit and the contactless card processing unit each have a unique ID, the external data is characterized in that the security module corresponding to each of the unique ID is randomized, the payment processing for the contact and contactless card The means has a housing shape including an insertion hole formed from one side of the front end so that the contact card and the contactless card are inserted, and the contact terminal is exposed to the inner surface of the insertion hole, and the antenna is positioned near the insertion hole. .

In this case, the sensor unit is provided in two, one of which is fixed to the front end of the insertion hole, and the other is an annular shape for placing the antenna at the inner center in the state exposed to the upper surface of the enclosure, the accompanying drawings The contact and contactless card payment processing terminal according to the present invention will be described in more detail with reference to.

In the following description, some reference is made in advance to the full description, and if it is determined that the detailed description may unnecessarily obscure the gist of the present invention as a well-known technology and configuration that are not related to the core technical spirit of the present invention, the following description is provided for convenience. Omit, and the following terms are terms defined in consideration of functions in the present invention, and thus may be changed according to intention or custom of users and operators.

Therefore, the definition of the following terms will be preferably interpreted based on the contents throughout the specification.

1 is a block diagram showing the internal structure of the payment processing terminal 10 according to the present invention, which includes a contact card processing unit 12 and a non-contact card processing unit 14, a central processing unit 16, and a memory. (18) and the power supply unit 20 for supplying driving power to each part are the core components.

At this time, the contact card processing unit 12 may have any configuration that can read data from the contact card as in the conventional payment card payment processing terminal. For example, the contact card is physically contacted with the data in a serial manner. It may be provided with a contact pad (not shown) for alternating. In this case, the contact card includes a memory card, a multifunction card, a crypto card and a general credit card to which a magnetic film is attached.

The contactless card processing unit 14 may also use all known means for reading information from the contactless card. For example, a resonant circuit and an antenna (see FIG. 2) to exchange data with a contactless card using a radio frequency signal. 14a) may be provided.

At this time, the contactless card is an RF (Ridoi Frequency) card with a built-in radio module for transmitting and receiving radio frequency signals, such as a Bluetooth transceiver chip, and an integrated circuit module for storing predetermined information and transmitting and receiving the information. It may be an infrared card having a smart card and an infrared module for transmitting and receiving predetermined information as an infrared (Ir) signal.

In addition, the central processing unit 16 is connected to the service provider providing the electronic payment service by wired or wireless communication, and the command data returned from the service provider based on the data transmitted from the contact and contactless card processing units 12 and 14 described above. To process This command data contains information on whether or not to make a payment.

The memory 18 is a portion for storing a program for operating the payment processing terminal 10 according to the present invention, and includes a memory device such as a RAM or a ROM, and a card operating system and a security module.

On the other hand, the contact and contactless card payment processing terminal 10 according to the present invention is preferably a sensor unit 22 for detecting the contact and proximity of the contact card and contactless card, and the detection result of the sensor unit 22 According to the present invention, a shutdown control unit 24 for turning on / off the driving power delivered to each part and a USB communication port 26 for receiving and storing external data into the memory 18 may be provided.

First, the sensor unit 22 detects whether the contact card processing unit 12 and the contact card are in contact, and whether the contactless card processing unit 14 and the contactless card are in proximity, and transmits the result to the shutdown control unit 24.

As described above, according to the detection result of the sensor unit 22, the shutdown control unit 24 controls on / off the driving power transmitted from the power supply unit 20 to each component except the sensor unit 22. When the contact card is in contact with the contact pad of the processing unit 12 or the contactless card is close to the antenna of the contactless card processing unit 14, the driving power of the power supply unit 20 is transmitted to each part, thereby according to the present invention. The payment processing terminal 10 is enabled.

On the contrary, in other words, when the card is not in contact with the contact card processing unit 12 or the contactless card is not in close proximity to the contactless card processing unit 14, the driving power transmitted from the power supply unit 20 to each element. To stop the operation of the payment processing terminal 10 according to the present invention, the reason is to reduce the power consumption as much as possible to lower the power consumption and to enable more stable and long-term use.

In addition, the payment processing terminal 10 according to the present invention is characterized in that it comprises a USB communication port 26 that can receive external data, as is well known USB plug and play (Plug and Play) function It is basically a kind of universal serial bus that holds data rates of up to 12Mbps.

The USB is capable of supplying power as well as data transmission. In this case, the aforementioned power supply 20 may be configured as a battery that can be charged through the USB communication port 26, and the USB communication port ( The external data transmitted to the memory 18 through 26 may include a card operating system, a blacklist of creditors, a security module, and the like. As a result, the information in the memory 18 may be newly updated.

Finally, the payment processing terminal 10 according to the present invention is provided with a display unit 28 and an input unit 30, respectively, the display unit 28 may be made of an LCD (Liquid Crystal Display), for example, contact cards and The payment amount of the contactless card and various kinds of card information and the remaining power amount of the power supply unit 20 constituted by the battery are displayed by numbers or numbers and letters. In addition, the input unit 30 may be formed of, for example, a keyboard, and the user may input a desired command or information into the information processing device 16 through this.

Through the above description, it is easy to understand that the payment processing terminal 10 according to the present invention can easily process a payment card and a contactless card with little power consumption. In this case, an encryption module for each is required. It is directly connected with the enlargement of Jangjicheok.

Therefore, each of the contact card processing unit 12 and the contactless card processing unit 14 of the payment processing terminal 10 according to the present invention is given a unique ID, and the cryptographic module transmitted from the service provider or other certification authority is each a memory ( 18 is stored in a randomized form and can be used for payment processing of the contact or contactless card processing unit 12, 14 of the corresponding ID.

2 is an external perspective view showing an example of a payment processing terminal 10 according to the present invention, the form is not limited to the accompanying drawings. That is, the accompanying drawings are merely for explaining the mounting position of the sensor unit 22 to be described later, the payment processing terminal 10 according to the present invention may be made of a main body 40 to form a rectangular enclosure shape and the front end portion An insertion opening 42 is placed inside from the side.

The insertion port 42 is a portion into which a general contact and contactless card is inserted, although not separately shown, the contact terminal of the contact card processing unit 12 contacting the contact card is exposed on the inner surface thereof, and the main body 40 is exposed. ) It can be easily confirmed that the antenna 14a of the contactless card processing unit 4 is mounted.

Therefore, the payment can be processed by inserting a contact or contactless card into the insertion port 42. In this case, the sensor unit 22 is preferably provided with two of the first and second sensors 22a and 22b. The first sensor 22a is installed in front of the insertion hole 42. Therefore, the first sensor 22a senses this and pushes the contact card and the non-contact card into the insertion port 42 so that the shutdown controller 24 supplies the driving power. Through this, smooth payment processing is possible. (See FIG. 1 and below.)

However, since the contact card is usually in the form of a plastic card such as a credit card, there is no problem in pushing it into the insertion hole 42. However, the contactless card is formed in various forms such as being embedded in a mobile phone and cannot be inserted into the insertion hole 42. It is often the case.

Therefore, for this purpose, the antenna 14a of the non-contact card processing unit 14 is mounted on the inner surface of the main body 40, and in particular, the second sensor 22b is exposed on the upper surface of the main body 40 so that the antenna 14a is centered on the inner center and exposed in an annular shape. Is installed. In this case, the non-contact card, which cannot be inserted into the insertion hole 42, can be charged to the upper surface of the main body 40 so that the payment process can be performed. In this case, the second sensor 22b applies a signal to the shutdown control unit 24 to smoothly drive power. Make sure it is supplied. In addition, as shown above, the aforementioned display unit 28 and the input unit 30 may be exposed to the upper surface of the main body 40 to help ease of use, and one side may be provided with a USB communication port 26. .

For reference, although not shown, a USB communication port 26 or a separate cable port may be provided to connect the payment processing terminal according to the present invention to a computer network or the like, and in particular, a ticketing device capable of issuing a contactless card therein. It will be apparent to those skilled in the art that by incorporating a card, it is possible to easily ticket a contactless card remotely in many places such as subways.

Payment processing terminal according to the present invention of the above description has the advantage that can be applied to both contact and contactless card. Therefore, the employer can reduce the burden of excessive expenses and has the advantage of saving resources.

In addition, the payment processing terminal according to the present invention is equipped with a USB communication port to easily download and update various information, and in particular, the sensor unit and the shutdown control unit interworking with it, only when necessary to operate the power consumption significantly reduced. There are advantages to it.

Moreover, the power supply unit according to the present invention uses a rechargeable battery using a power source of the USB communication port, and is provided with a display unit for easily checking the payment process and results and an input unit for inputting a desired command. To help.

The payment processing terminal according to the present invention enables payment of all existing types of contact and contactless cards, and enables reliable payment regardless of its form.

1 is a block diagram showing the internal structure of the payment processing terminal according to the present invention.

Figure 2 is an external perspective view showing an example of the appearance of the payment processing terminal according to the present invention.

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

10: payment processing terminal 12: contact card processing unit

14: non-contact card processing unit 16: central processing unit

18: memory 20: power supply

22: sensor unit 24: shutdown control unit

26: USB communication port 28: display unit

30: input unit

Claims (8)

As a payment processing terminal connected to a service provider and a wired or wireless network, A contact card processing unit having a contact terminal for exchanging data with the contact card; A contactless card processing unit provided with an antenna for exchanging data with the contactless card; A sensor unit detecting whether the contact terminal and the contact card are in contact, and whether the antenna and the contactless card are in proximity; A central processing unit connected to the wired / wireless communication network and the contact and contactless card processing unit and processing command data regarding whether to determine the service provider's approval according to each data; A USB communication port through which external data is input; A memory connected to the central processing unit and the USB communication port to store and update external data; A power supply unit connected to the USB communication port and supplying driving power; And a shutdown control unit for turning on / off the driving power supplied from the power supply unit based on the detection result of the sensor unit. The method of claim 1, And the power supply unit is a battery charged with power applied to the USB communication port. The method according to claim 1 or 2, wherein A display unit which displays one or both of card information including a payment amount of the contact card and the contactless card or the remaining power of the battery; The payment processing terminal for contact and contactless card, characterized in that it further comprises an input unit of the keyboard that can input a command to the central processing unit and memory. The method of claim 1, And the shutdown control unit turns on the driving power only when the contact card is in contact with the contact terminal or when the contactless card is in proximity to the antenna. The method of claim 1, And said external data is a blacklist of credit card operating systems and creditors. The method of claim 5, The contact card processing unit and the contactless card processing unit each have a unique ID, and the external data is a payment processing terminal for contact and contactless card, characterized in that the security module corresponding to each of the unique ID is randomized. The method of claim 1, The payment processing means for the contact and contactless card has a housing shape including an insertion hole formed from one side of the front end so that the contact card and the contactless card is inserted, the contact terminal is exposed to the inner surface of the insertion hole, the antenna Payment processing means for contact and contactless card, characterized in that located near the insertion port. The method of claim 7, wherein The sensor unit is provided with two, one of which is fixed to the front end of the insertion hole, the other is the payment processing for contact and contactless card, characterized in that the annular to put the antenna in the center in the state exposed to the upper surface of the housing. Way.