KR20070010229A - Complexed credit card reader and it's system providing wireless network - Google Patents

Abstract

A complex credit card reader capable of wireless Internet communication and a system thereof are provided to offer a wireless Internet service, a VoIP(Voice of Internet Protocol) service, and an additional banking service using an AP(Access Point) except a VAN(Value Added Network) service of the present credit card reader. A credit card reader(110) reads information from a magnetic and smart card, and converts the read information into digital data by comprising a magnetic card reader(112) and a smart card reader(111). An I/O(Input/Output) device(120) manages I/O by comprising a keypad(121), an LCD(Liquid Crystal Display)(122), a speaker, and a slip printer(123). A network controller(160) controls network connection to the PSTN(Public Switched Telephone Network)(200) and the Internet(210) by comprising a modem(140) and a LAN(Local Area Network) card. A memory(170) comprises a computer-readable storage medium(171) storing a program for implementing the VAN service, and the additional banking and instant settlement service, and a temporary storage medium(172). A controller(180) processes the program while controlling each part.

Description

COMPLEXED CREDIT CARD READER AND IT'S SYSTEM PROVIDING WIRELESS NETWORK

1 is a configuration of the present inventors composite credit card terminal system

2 is a functional diagram of a composite credit card terminal system.

3 is a block diagram of an embodiment of a composite credit card terminal.

4 is an embodiment of a flowchart for describing a service program.

**** Description of the main signs in the drawing ****

100: composite credit card terminal 110: card reader unit

111: magnetic card reader unit 112: smart card reader unit

120: input and output unit 121: keypad

122: LCD display unit 130: AP

132: AP antenna 140: modem

141: VoIP Gateway 150: LAN CARD

160: network control unit 170: memory unit

171: service program storage device 172: temporary data storage device

180: processing device 200: public telephone network (PSTN)

210: Internet network 220: VAN server

230: VoIP Server 240: KT Nespot Server

250: CBS server 260: CIS server

270 Nespot Zone

The present invention relates to a credit card terminal system using an additional communication network (VAN), and to a wireless internet communication service using an AP, an internet phone service, and an additional financial service with a bank, in addition to an additional communication network service of an existing credit card terminal. It is to provide a credit card terminal system provided.

To this end, the present invention includes a VAN service provided by a credit card terminal system, a wireless Internet communication service using an AP, an Internet telephony service using VoIP technology, an additional banking service and an instant payment service of a bank. Provides a complex credit card terminal system that further provides.

A value added network (VAN) service is a network that provides services by renting lines from public telecommunications operators to increase the added value with advanced communication processing functions. Although the value-added value of the VAN is generally used for communication processing in which conversion of protocol, code, form, media, speed, etc. is added to transmission, the card is used as a means of payment when purchasing goods in general and large merchants. If the card is denied, the credit card company will check whether the credit card is delinquent or defective by using a telephone line or internet broadband. By checking in real time whether there is a credit card defect, such as theft, loss, or delinquency of a card, it is possible to prevent a problem that may cause damage to a merchant.

Credit card terminals are divided into magnetic card readers and smart card readers. Magnetic cards have three lines in a black band on the back of the card, which can hold three kinds of information.The storage capacity is very small and can be easily duplicated through a card replicator. there was. The smart card, which has been replaced, has a microchip that can store data, so it has excellent security and hard copying. However, smart cards are currently used for transportation cards, corporate card keys, social security cards, and credit cards. However, in the case of credit cards, smart card readers that can read smart chips are not widely used. In the case of a credit card, a magnetic line is also used as a magnetic card. But in the future, smart cards, which will completely replace magnetic cards, are expected to become the mainstream of credit cards.

Wireless communication technology that can implement ubiquitous communication that can connect to internet network and transmit voice and data anytime, anywhere is currently Wi-Fi (IEEE 802.11g), 3G (3G) network, Bluetooth, etc. It is in the limelight and is being installed in offices, provincial / retail stores, apartments, and homes to expand or replace wired LANs. In addition, public WLAN is a service that allows individual users to wirelessly access the Internet or corporate networks in public or semi-public places, commonly referred to as hot spots. In Korea, KT Nespot is a wireless Internet communication service. Providing.

As such, in the 21st century, the necessity of establishing a network using wireless is increasing due to the ubiquitous era, but due to the lack of system infrastructure, there are not many service areas that can be accessed by using public wireless LAN, and notebooks or PDAs supporting public wireless LAN are available. As mobile phones, mobile phones, etc. are still in the early stages of deployment, the number of people who use the wireless Internet is extremely limited, and the public wireless LAN-related industry is not yet effective.

Internet phone service uses voice over internet protocol (VoIP) technology to use data communication packet network for Internet phones. Also called voice packet network, it converts voice data into Internet protocol data packet to make calls on PSTN. An advanced telecommunications service technology that allows multiple people to simultaneously use the cable, offers excellent scalability, and offers much lower rates than traditional telephones. Internet phone service can be used by simply using a computer, such as a dial pad, or an IP phone or a dedicated router sold by a professional network equipment company such as Cisco. Currently, there are active discussions on the classification, interconnection, numbering, and call quality of VoIP, and it is expected that Internet telephone service using 070 number will be launched next year.

CBS (Cach Banking Service) service is a service that financial institutions use telecommunications and computers to search and settle financial assets, and process information from bank account balances and payments to stock trading. Can be. In the information society, value-added financial services enable users to process banking services using communication lines and computers without going directly to the banks. It is a system that is configured to handle and provides related services.

The Cash Immediate Service (CIS) service is a system that allows payments to be made to merchant accounts at the time of card sales.It is a service that allows banks, credit companies, and system operators to pay a certain fee and make payments immediately. to be. In the conventional payment system, when a card user makes a payment with a card, money is deposited or withdrawn on a designated payment date, and thus the payment cannot be freely used during the period from sales to the specified payment date. The immediate payment service is a system that allows you to take advantage of the funds more easily by paying a certain fee to the credit company or the system operator at the time of sales.

The present invention integrates the above-mentioned VAN service, wireless Internet communication service, Internet telephony service, additional financial service, and instant payment service, and builds a system to bundle various systems in offices, wholesale / retail stores, restaurants, and homes. The present invention aims to provide a complex credit card terminal and its system that can conveniently use services and communication services.

The present invention relates to a credit card terminal system using an additional communication network (VAN), and to a wireless internet communication service using an AP, an internet phone service, and an additional financial service with a bank, in addition to an additional communication network service of an existing credit card terminal. It is to provide a credit card terminal system provided.

In particular, the present invention constitutes a composite credit card terminal that provides five services, such as additional network (VAN) function, wireless communication (AP) function, Internet telephony (VoIP) function, additional finance (CBS) and instant payment function In order to use the service, respectively, VAN server, KT Nespot, VoIP server, CBS server, CIS server, etc., by providing a complex credit card terminal system by providing.

In addition, the additional communication network service consists of credit approval service, debit card service, direct debit service, EDI (Electronic Data Interchange) payment service, check inquiry service, electronic payment service, etc., and the wireless Internet communication service is KT Nespot service and Nespot Swing. Service, wireless Internet service, Internet phone service, Internet phone service, general phone service and remote automatic access management service, and additional financial services include account inquiry, transfer service, and Giro payment service. Payment service consists of wired payment service, wireless payment service, sales loan service, daily loan service.

To this end, a storage medium with a service program recorded therein and a processing device for processing the program and controlling the hardware are installed in the credit card terminal to provide software and hardware functions to implement the services. In addition, a network control unit including an AP device for wireless communication, a VoIP gateway device for internet communication, a modem connected to a telephone line, and a LAN card driver connected to the Internet by wire should be installed.

In addition, due to the convenience and necessity of the user, such as a credit card terminal having only an additional communication network function without a wireless communication function, or a credit card terminal for an MVoIP which allows a video communication by adding a camera and an image output device. Various kinds of products may come out, but the equivalent products that can be variously modified and applied within the scope of the complex credit card terminal and the system based on the above five services are obvious to those skilled in the art. You will know.

The present invention relates to a credit card terminal system using an additional communication network (VAN), and to a wireless internet communication service using an AP, an internet phone service, and an additional financial service with a bank, in addition to an additional communication network service of an existing credit card terminal. It is to provide a credit card terminal system provided.

In particular, by installing an AP on a credit card terminal, Nespot Zone can be used to use Nespot service, a wireless Internet service provided by KT (Korea Telecom), and wireless Internet communication is provided. By providing phone service, it provides not only a simple credit card terminal but also a complex credit card terminal capable of wireless internet communication.

In addition, by using this credit card terminal, additional financial services, such as account inquiry, bank transfer, and loan services, which were not provided in the existing telecommunication network service, are provided. Provides a credit card terminal system that can be used.

To this end, the present invention is a credit card terminal that reads the information of the magnetic card and smart card, Nespot by establishing a network control unit for connecting to a public telephone network (PSTN), the Internet network, other phones or computers, and the Nespot Zone of KT An AP (Access Point) that enables a service and a Nespot Swing service, a storage medium that can be read by a controller that records a program for executing the service, and a network controller that controls the network controller by reading data of a program stored in the storage medium. The control device is further configured in the credit card terminal, to provide a credit card terminal having a complex function.

In particular, in using an additional communication network service, a wireless communication service, and an Internet phone service, an integrated composite credit card terminal system that does not form a new system is provided by using an existing system as it is.

Hereinafter will be described with reference to the accompanying drawings, which also serves as a preferred embodiment of the structure and operation principle of the present invention. Prior to this, terms or words used in the present specification and claims should not be construed as being limited to the ordinary or dictionary meanings, and the inventors should properly explain the concept of terms in order to best explain the technical idea of the present application. It is obvious that what is intended to be explained based on the principle of definition can be interpreted as meaning and concept corresponding to the technical idea of the present invention.

1 is a schematic diagram of a composite credit card terminal system of the present invention, the system is a VAN server 220, KT Nespot server 230 from the credit card terminal 100 using the telephone network 200, or the Internet network 210 ) Is connected to the VoIP server 240, the CBS server 250, and the CIS server 260.

The existing credit card terminal is connected to the VAN server 230 via a telephone network or the Internet network and then query the information of the credit card to check whether the card is approved / rejected / canceled. In case of using the telephone network 200, the VAN server connection takes a long time and there is a disadvantage that the telephone line cannot be used during that time, and in the case of using the Internet network 210, high-speed processing is possible. By not only connecting to the VAN server, but also connecting to the KT Nespot server 230, the VoIP server 240, the CBS server 250 and the CIS server 260, the Internet network 210 can be used economically.

When the Nespot or Nespot Swing user requests access to the Internet through the AP 131 mounted on the credit card terminal, KT's Nespot server 230 encrypts the user's ID and password to transmit to the KT Nespot server. By obtaining the approval procedure, the wireless communication service is provided in such a manner that the user can use the Internet within the effective communication range of the AP installed in the terminal.

The Internet phone service provides an Internet phone service by connecting to the Internet network 210 using the VoIP gateway 140 mounted on the credit card terminal, and then accessing the VoIP server 240 to perform phone communication. . The VoIP gateway 141 connects the public telephone network 200 and the internet network 210 to enable telephone communication using the public telephone network and the internet network.

When the CBS server 250 provides additional financial services such as balance and transaction history inquiry, account transfer, and payment of giro payments of the bank account in the credit card terminal 100, the CBS server is connected to the computer processing system of the corresponding bank. Access and process the service.

At present, almost all banking services in Korea can be handled using the bank's Internet homepage or secured mobile phones. To this end, each bank has introduced a computer processing system that provides financial services using the Internet and telephone lines, and it is desirable to add such a direct debit function to a credit card terminal.

The CIS server 260 provides an immediate payment service that allows a loan from a system operator or a credit company with the sales slip secured from the credit card terminal 100, and the existing sales slip must be submitted to the bank. The system allows for flexible management of funds by allowing the borrower to borrow as much as the amount of sales based on the sales slip.

2 is a block diagram illustrating the functions of the composite credit card terminal system. The present invention is a complex credit card terminal, which is largely classified into a communication service and a financial service, the communication service is composed of a wireless communication service (AP), an Internet communication service (VoIP), financial services are additional communication network services (VAN), additional It can be seen that it consists of financial services (CBS) and immediate payment service.

The wireless communication service (AP) is composed of KT's Nespot, NespotSwing, and wireless Internet functions, and is configured to be compatible with WiBro (Wibro, a high-speed mobile Internet using 2.3GHz frequency). Nespot is a service that allows a laptop or PDA to connect to the Internet wirelessly within the Nespot Zone of KT. NespotSwing is a service that allows free access to the Internet through a mobile device or a mobile phone. It would be. By attaching an AP to a complex credit card terminal, it is possible to establish a Nespot Zone to use Nespot and Nespot Swing, and to enable wireless Internet communication even if it is not a Nespot user.

Internet phone service (VoIP) consists of internet phone, regular phone, and remote automatic access management. Internet phone is connected to public telephone network (PSTN) through internet. There is an advantage that the long-distance call or international call charges are cheap. In Korea, we are currently preparing to start an internet phone service using a 070 number, and by connecting the Internet network and the PSTN network by installing a VoIP gateway in the composite credit card terminal of the present invention, it is possible to perform functions such as FAX as well as signal processing on the Internet. Can support The general telephone function is a function using a public telephone network, and the remote automatic access management function is a service for controlling a terminal from the outside.

VAN service consists of functions such as credit approval, debit card, direct debit, EDI payment, check inquiry, electronic payment, etc. It is a service that promptly and accurately provides the use of authorization / rejection / cancellation by checking whether the card is overdue or defective from the issuer. Debit Card is a service that relays the transaction approval with the bank so that the debit card, which has the same function as cash, is used as a payment method when purchasing a product, so that it can be automatically settled from the card customer's bank account to the merchant account. to be. Direct debit is a breakthrough in which credit card payments are automatically debited to merchant accounts by purchasing the general sales slips of credit cards from banks directly to banks, instead of using the electronic data from service providers for transaction approval details. As a convenient service, it can play a large part in establishing a credit society, such as preventing illegal distribution of sales slips and reducing bad debts. EDI (Electronic Data Interchange) payment is an electronic data exchange method that quickly and accurately transfers the revenues generated from large affiliated stores (department stores, airlines, large discount stores, etc.) that have their own HOST to the card company based on this data. It is a service that greatly simplifies the hassle of the purchase process by existing sales slips by depositing sales payments at merchants. Check inquiry is a service to check the status of the check online from the bank using the check number, check issuance date, account number / branch number of the check. Electronic payment service is a service that pays by using a credit card, mobile phone, ARS, coupons, gift certificates, etc. as a payment method online.

Value-added financial services (CBS) is composed of bank transfer service, account inquiry service, and giro payment service. Value-added financial service is a service that withdraws the deposit in a bank account and deposits it into another account. It is a service that can search the balance of accounts, transaction details, etc., and the Giro Payment Service allows you to pay the Giro fee online without entering the bank by entering the Giro number and payment amount of Giro paper to be paid. It is a service.

The instant payment service (CIS) consists of a wired payment service, a wireless payment service, a sales loan service and a daily loan service. The instant payment service is a service that allows you to receive advance loans from a creditor or system operator with the sales slip as collateral. The wired payment service is a function to pay by wire, and the wireless payment service is a function to pay wirelessly. Daily loan service is a service that allows you to get a loan in a more convenient way than the existing sales loan service is a service that can be loaned on a sales basis, and daily loan service is a service that can be loaned in a day when urgently need funds.

3 is a block diagram of an embodiment of a composite credit card terminal, and a power supply device and a sound device, although not shown, will be obvious. The credit card terminal is composed of a card reader unit 110, input / output unit 120, network control unit 160, memory unit 170, and processing unit 180, the VoIP gateway 141 and the AP antenna ( 132) is further configured.

The card reader unit 110 is composed of a magnetic card reader device 111 and a smart card reader device 112, the magnetic card reader device 111 reads the magnetic card to extract the information of the card to convert to digital data After transmitting to the processing device, the smart card reader device 112 generates an electrical resonance, the electronic chip of the smart card within the resonance range detects the access to convert the information of the card into digital data processing device 180 ) Or digital data is converted to analog data and transmitted to the electronic chip of the card.

The input / output device unit 120 includes a keypad unit 121, an LCD display unit 122, and a slip output device 120. Although not shown in the drawing, an audio output device, a microphone, and a camera for Internet telephony communication are shown. Preferably, the image output device is further configured. The keypad 121 is composed of a menu button, a selection button, a confirmation button, and a number button so that the user can operate the credit card terminal 100, and the user directly selects menu selection, payment, wireless Internet communication settings, and the like. Allow input. The LCD display unit 122 allows the user to display the desired information, and the slip output device 120 serves to output the sales slip.

The network controller 160 is in charge of the network function of the credit card terminal 100 and is composed of an AP 130, a modem 140, and a LAN card 150.

AP 130 is a device that enables the wireless Internet within the radio communication range of the AP antenna 133 as an access point, so that the credit card terminal 100 can be used as a wireless Internet repeater, and the present invention uses an AP of KT. By establishing a Nespot Zone 270, Nespot users or Nespot Swing users can use the Internet wirelessly.

Modem 140 is a device that enables the connection from the credit card terminal 100 to the telephone network 200, converts the analog signal of the telephone line into digital data to be recognized by the processing unit 180, digital data Converts to analog signal and transmits to telephone line.

In particular, the VoIP gateway 141 is a device that enables Internet telephony service. When making a phone call through the Internet network, the VoIP gateway 141 connects data input through a telephone line to the Internet network and transmits the data to the VoIP server 230 to play a role of Internet telephony. In charge of.

LAN Card 150 is a device that enables the connection from the credit card terminal 100 to the Internet network 210, the credit card terminal to enable high-speed data transmission as a wireless Internet repeater.

The memory unit 170 is composed of a service program storage device 171 and a temporary data storage device 172, the service program storage device 171 is a storage medium containing the service program, the temporary data storage device 172 Acts as a storage medium for temporarily storing information, voice and image data of a credit card, and information from a keypad.

The processing unit 180 executes the service program stored in the service program storage device 171 while using the additional communication network service, wireless Internet communication service, Internet phone service, additional finance and instant payment service. 110, a function of controlling the input / output device unit 120, the network control unit 160, and the memory unit 170.

4 is a flowchart illustrating a description of a service program, and illustrates a functional configuration and operation principle of the service program.

When the program starts 301, the hardware and the program are initialized 302 first, and then the menu selection mode 303 is entered. The user can select the desired menu from the credit card service selection (310), wireless Internet service selection (320), Internet telephone service selection (330), additional financial service selection (340), instant payment service selection (350). If you select the menu, each program is executed according to the menu.

When the credit card service menu 310 is selected, first, an input 311 is received from the keypad for the amount to be paid, and the card information is waited for 312 to be received from the card reader unit. If the card information is received from the card reader, the card information is transmitted to the VAN server (313), and if not received, an error message is output (317) and then the menu selection mode (303) is returned. After transmitting the card information to the VAN server, check the status of the card from the VAN server (314) to determine whether or not to approve the card payment (315), if the approval is normal processing (316) and if not approved the reason The notification returns to the menu selection mode 303 after outputting an error message 317.

If the wireless Internet communication service menu 320 is selected, if there is a terminal (notebook, PDA, mobile phone) to provide wireless Internet (321) from the AP device to check whether the wireless Internet terminal device (321), the terminal user The ID and password are transmitted to the KT Nespot server (323), and if not, the menu selection mode (303) is returned. After transmitting the ID and password to the KT server and confirming the approval from the KT server (324), if it is approved, the wireless internet communication service is started (325), and if not approved, an error message is sent to the terminal user. 326) and return to the menu selection mode 303.

When the Internet telephone service menu 330 is selected, the telephone number is received from the keypad 331 and then the telephone number is transmitted to the VoIP gateway 332. In VoIP, check if the communication connection is possible by connecting to the VoIP server (333), and if communication is possible, make a call (334) and if communication is not possible, output an error message (335) and enter the menu selection mode (303). To get you back.

When the additional financial service menu (340) is selected, after receiving a bank account number (341) through the keypad roll and attempting to connect with the bank computer system online (342) (343), the corresponding service 344 and if the connection is not established, outputs an error message 345 and returns to the menu selection mode 303.

If the immediate payment service menu 350 is selected, after receiving the bank number and account number (351) through the keypad roll, and attempting to connect online with the bank computer system (352) (353), the corresponding service If the connection is not executed (354) and an error message is output (355) and the menu selection mode (303) can be returned.

Although the present invention has been illustrated and described with reference to a specific preferred embodiment, the technical spirit of the present invention provided by the following claims is variously modified, modified or changed by those skilled in the art. Although it may be practiced, the claims of the present application should be interpreted equally within the scope not departing from the spirit or the field of the technical idea of the present application.

According to the present invention, in addition to using an existing additional communication network service using a single credit card terminal, by using a wireless Internet communication service, an Internet telephony service and an additional financial service, an additional financial service, and an instant payment service, which are communication services, You can use financial services and telecommunications services more conveniently.

In particular, the existing system can be used as it is, and the compatibility of equipment and system is excellent, and by establishing KT Nespot Zone, KT can receive compensation and support for the leasing and management of Internet line and AP equipment, and wireless internet communication infrastructure. By building the system, it can greatly contribute to the wireless Internet communication industry.

Claims (4)

If a credit card merchant uses the card as a payment method when purchasing a product, it reads the information from the card and checks whether the credit card is delinquent or defective online from the issuer and informs the user whether to use the card, such as approving, rejecting or canceling the payment. In the credit card terminal structure, A card reader unit comprising a magnetic card reader device and a smart card reader device and having a function of reading information of the magnetic card and the smart card and converting the information into digital data; An input / output device unit configured to include a keypad unit, an LCD display unit, a sound output device, and a journal output device to perform input and output; A network controller configured to include a modem and a LAN card to control a network connection between the telephone network and the Internet network; A memory unit comprising a computer readable storage medium and a record storage medium for recording a program for realizing additional communication network service, additional finance and instant payment service; And a processing device for processing a program while controlling the devices, wherein the credit card terminal system is configured to provide an additional communication network service, an additional finance and an instant payment service. The method of claim 1, The network control unit includes an AP, and the storage medium of the memory unit includes a program for realizing a wireless Internet communication service by recording the wireless Internet communication service, characterized in that it provides a wireless Internet communication service. The method of claim 1, The network control unit includes a VoIP gateway, and the input / output unit includes a handset, a camera, and an image output device. A program for realizing an Internet telephony service is included in a storage medium of a memory unit and recorded therein, whereby an Internet telephony service is provided. Complex credit card terminal system, characterized in that provided including. If a credit card merchant uses the card as a payment method when purchasing a product, it reads the information from the card and checks whether the credit card is delinquent or defective online from the issuer and informs the user whether to use the card, such as approving, rejecting or canceling the payment. In the credit card terminal structure, A card reader unit comprising a magnetic card reader device and a smart card reader device and having a function of reading information of the magnetic card and the smart card and converting the information into digital data; An input / output device unit configured to include a keypad unit, an LCD display unit, an audio output unit, a journal output unit, a handset, a camera, and an image output unit in charge of input and output; A network control unit including a modem, a LAN card, an AP, and a VoIP gateway, which provides wireless Internet communication and Internet telephony communication while controlling a network connection between the telephone network and the Internet network; A memory unit comprising a computer readable storage medium and a record storage medium recording a program for realizing an additional communication network service, a wireless internet communication service, an internet telephony service, an additional finance and an instant payment service; And a processing device for processing a program while controlling the devices.

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