KR20080037745A - Card terminal devices, method for operating card terminal devices and program recording medium - Google Patents

Card terminal devices, method for operating card terminal devices and program recording medium Download PDF

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Publication number
KR20080037745A
KR20080037745A KR1020060104748A KR20060104748A KR20080037745A KR 20080037745 A KR20080037745 A KR 20080037745A KR 1020060104748 A KR1020060104748 A KR 1020060104748A KR 20060104748 A KR20060104748 A KR 20060104748A KR 20080037745 A KR20080037745 A KR 20080037745A
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KR
South Korea
Prior art keywords
payment
card
information
terminal
card terminal
Prior art date
Application number
KR1020060104748A
Other languages
Korean (ko)
Inventor
정종필
Original Assignee
주식회사 신한은행
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Priority to KR1020060104748A priority Critical patent/KR20080037745A/en
Publication of KR20080037745A publication Critical patent/KR20080037745A/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06KRECOGNITION OF DATA; 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
    • G06K19/067Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification

Abstract

The present invention relates to a method and a program recording medium for operating a card terminal device and a card terminal device. The present invention provides a first payment means call signal allocated to an IC according to a payment amount size, etc., when an IC card and a payment transaction are processed. When the first payment means is not mounted on the IC card, the second payment means call signal automatically allocated to the second card can be provided to the IC card, thereby improving the effectiveness of the card equipped with various types of payment means. In the card terminal operating method according to the present invention, in the payment processing using the IC card, after confirming the payment amount size input through the predetermined key input means in the card terminal, it is preferentially assigned in response to the confirmed payment amount size Confirming a type of payment means, providing the confirmed first payment means call signal (or command) from the card terminal to the IC card and the IC And when the first payment means is not loaded on the card, automatically providing a second payment means call signal (or command) to the IC card by the card terminal.

Description

Card terminal devices, method for operating card terminal devices and program recording medium}

1 is a simplified diagram of a card terminal including a contact card interface and having a specific payment means selection function included in an IC card.

2 is a diagram illustrating a configuration of IC card storage information including at least two payment means.

3 is a diagram illustrating a predetermined financial transaction operation method through a card terminal having a payment means priority selection function according to another exemplary embodiment of the present invention.

4 is a diagram illustrating a method of operating a predetermined financial transaction through a card terminal having a payment means priority selection function according to another exemplary embodiment of the present invention.

FIG. 5 is a diagram illustrating a configuration of a card terminal memory in which payment means selection condition information for first selecting a specific payment method among at least one or more payment means included in the IC card according to the size of a payment amount according to an embodiment of the present invention is stored; to be.

<Description of main parts of drawing>

100: payment method selection terminal 105: control unit

110: card reading unit 115: screen output unit

120: key input unit 125: power supply unit

130: communication unit 135: terminal function unit

140: memory unit 145: validity authentication unit

150: information reading unit 155: professional generation unit

160: professional processing unit

The present invention provides a payment means information call signal (or command) to the IC card, the card reading unit for receiving the payment means information corresponding to the call signal (or command) from the IC card, and at the time of payment processing using the IC card, After confirming the payment amount size input through a predetermined key input means, the payment means selection unit for selecting a payment method type assigned preferentially corresponding to the confirmed payment amount size, and through the card reading unit to the IC card The first payment method call signal (or command) selected by the payment method selection unit is selected first, and when the first payment method is not loaded on the IC card, a second payment method call signal (or command) is automatically provided. It relates to a card terminal device having a control unit for controlling the provision of the card to the IC card.

An IC card has a microprocessor, a card operating system (COS), a security module, a cryptographic coprocessor, and a memory, so that a series of transactions (e.g., a card terminal device) are processed. , A generic term for a card having an integrated circuit chip (ICC) serving as an authentication means for providing a payment transaction, an approval means, and / or various information providing means.

A plurality of payment means may be provided in the ICC provided in the IC card. In general, the function information for the plurality of payment means provided in the IC card is stored in an Answer to Reset (ATR) on the ICC.

As described above, in the conventional payment processing process using an IC card provided with a plurality of payment means, the card terminal device reads function information on a plurality of payment means provided on the ICC of the IC card and is provided to the corresponding IC card. Determine a plurality of payment means, the card terminal device selects the currently available payment means from among the plurality of payment means, and the card terminal device determines the current IC card ATR for the selected payment means as described above. Determining the ATR of the payment means through the IC card to play the role of a payment means corresponding to the currently selected ATR, and is processed through the process of extracting and processing the corresponding payment means information provided on the IC card.

However, since the existing payment processing process using the IC card is selected by the card terminal device from among a plurality of payment means provided in the IC card, the card issuer and / or the card user's position There is a problem that is deprived of the opportunity to select a payment method useful to you.

For example, a card issuer and / or card user may be able to obtain a particular payment method for a particular date and time, a particular service, a particular product, and / or a particular merchant, through which the payment process provides more value-added services and profits. It is useful to select and use.

An object of the present invention to solve the above problems is to provide a payment means information call signal (or command) to the IC card, receive payment means information corresponding to the call signal (or command) from the IC card, In the payment processing using, after confirming the payment amount size input through a predetermined key input means, select a payment method type assigned first in correspondence with the confirmed payment amount size, and firstly with the IC card. Providing the selected first payment means call signal (or command) and automatically providing a second payment means call signal (or command) to the IC card when the first payment means is not loaded on the IC card. It is to provide a card terminal device.

In the card terminal operating method according to the present invention, in the payment processing using the IC card, after confirming the payment amount size input through the predetermined key input means in the card terminal, it is preferentially assigned in response to the confirmed payment amount size Checking a type of payment means, providing the identified first payment means call signal (or command) from the card terminal to the IC card, and when the first payment means is not loaded on the IC card, And automatically providing a second payment means call signal (or command) to the IC card at the card terminal.

According to the present invention, the method for operating a card terminal is characterized in that it further comprises the step of setting and / or storing the payment means information to be called first in response to the payment amount size on the card terminal.

On the other hand, the card terminal apparatus according to the present invention, the card reading unit for providing the payment means information call signal (or command) to the IC card, and receives the payment means information corresponding to the call signal (or command) from the IC card; In the payment processing using the IC card, after confirming the payment amount size input through a predetermined key input means, a payment means selection unit for selecting a type of payment means assigned in advance corresponding to the confirmed payment amount size; A first payment means call signal (or command) selected by the payment means selection unit is primarily selected to the IC card through a card reading unit, and when the first payment means is not loaded on the IC card, a second automatically And a control unit for controlling the provision of a payment means call signal (or command) to the IC card.

According to the present invention, the card reading unit is characterized in that the exchange of information with the IC card in a contact and / or contactless.

On the other hand, the present invention includes a computer-readable recording medium characterized by recording a program for executing the functions of the card terminal device configuration unit described above.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

1 is a simple diagram of a card terminal 100 including a contact card interface and having a specific payment means selection function provided in an IC card.

In more detail, Figure 1 is provided in the IC card according to the size of the payment amount input through a predetermined key input means (for example, a keypad provided on the card terminal) in the process of payment transaction with a predetermined IC card. A card terminal for first selecting a specific payment means (first payment means) from at least one or more payment means, and selecting a second payment means when the first selected payment means is not mounted on the IC card Regarding the functional configuration of (100), those skilled in the art to which the present invention pertains, specific payment means provided in the IC card according to the size of the payment by referring to and / or modified in this drawing 1 It is possible to infer the various functional configuration of the card terminal 100 to first select the above, but the technical features of the present invention is not limited by this Figure 1, Bayida put out that containing all the exemplary method of estimation.

Referring to FIG. 1, the card terminal 100 that first selects a specific payment method included in the IC card according to the size of a payment amount basically includes a control unit 105, a memory unit 140, and a card reading unit 110. ) And a power supply unit 125 for supplying power to the key input unit 120, the screen output unit 115, the communication processing unit 130, the security application module 135, the print output unit 150, and the card terminal 100. And at least one terminal function unit 145 (not shown in detail) according to the intention of the skilled person.

The control unit 105 controls the overall operation of the card terminal 100 in function configuration, manages the flow of information or data between the respective components, and when processing a payment transaction with a predetermined IC card, the key input unit 120 Checks the payment means first assigned according to the size of the payment amount input through the), and mutually exchanges at least one component provided in the card terminal 100 to process the payment amount with the confirmed payment means. It is characterized by interlocking and control, and consists of hardware (Central Processing Unit), ROM (Read Only Memory), RAM (Random Access Memory), System Bus (System Bus), etc. A predetermined program routine that is loaded from the predetermined recording medium into the execution memory to be performed by the processor to perform a function specific to the terminal 100. (Routine) and / or program data (hence, identifying the preferred payment means type corresponding to the size of the payment amount and providing the identified preferred payment means call signal (or command) to the IC card. The control unit 105 is provided with a predetermined program recorded on a recording medium provided in the terminal 100 and / or a component that can be processed in software among the functional configurations provided in the card terminal 100. It is characterized by consisting of).

According to the exemplary embodiment of the present invention, the controller 105 outputs a component (for example, the memory unit 140, the card reading unit 110, the key input unit 120, and the screen output included in the card terminal 100). Unit 115, a communication processing unit, a security application module, a print output unit, etc.) and / or a terminal function unit 135 (not shown) according to the intention of a person skilled in the art) is defined in the card terminal 100. Controlling and managing the provision of the electronic payment service, as well as checking the type of the preferred payment means corresponding to the size of the payment amount according to the present invention and providing the identified preferred payment means call signal (or command) to the IC card. Records provided to the card terminal 100 for a predetermined financial transaction using the payment means information read out from the IC card, and / or interworking with the components provided in the card terminal 100 In the medium It is preferable to execute the program to be recorded.

The memory unit 140 is input and output when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the card terminal 100 is performed. General term for non-volatile memory for storing information or data), at least one of which includes EEPROM (Electrically Erasable and Programmable Read Only Memory) and / or Flash Memory (FM) and / or Hard Disk Drive (HDD) in hardware. It includes the above storage means, the predetermined program routine and program data required for the control unit 105 to perform a predetermined control function (e.g., data input or output for the program routine to perform a predetermined function) ) Is stored.

According to an exemplary embodiment of the present invention, the memory unit 140 may check at least one or more payments for identifying the preferred payment means corresponding to the size of the payment amount input from the card terminal 100 through the key input unit 120. Storing means selection condition information and at least one financial transaction processing information (e.g., the card terminal address (location) information and / or the card terminal ID information and / or the card terminal manager (or operator) information, etc.); And / or store predetermined financial transaction details information corresponding to the financial transaction after the predetermined financial transaction processing with the selected specific payment means.

The IC card possessed by a predetermined customer who transacts with the card terminal 100 through a contact or contactless interface is a specific payment means call signal (or command) provided from the card terminal 100 according to the embodiment of the present invention. Corresponding to), it is characterized in that for returning the call means information (or command) to the card terminal 100.

To this end, the IC card may include a contact IC card (or a wireless IC chip) based on ISO / IEC 7816 standard for processing a predetermined financial transaction with the card terminal 100, and the card terminal 100 Card reading unit 110 of the) is characterized in that to provide an interface for reading at least one or more information or data provided in the IC card.

According to the exemplary embodiment of the present invention, the card reading unit 110 includes a contact IC reading unit that provides an interface between the contact IC card and the card terminal 100.

The contact IC reading part is a card reading part 110 based on ISO / IEC 7816, and includes at least one contact point making electrical contact with a chip on board (COB) provided in a contact IC card. It supplies the power to the IC chip of the IC card dedicated to the foreign currency transfer through the contact point, and predetermined information from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) Alternatively, the data may be interfaced to the card terminal 100.

According to the exemplary embodiment of the present invention, the card reading unit 110 refers to the payment means selection condition information stored in the memory unit 140 for the electronic payment service defined in the card terminal 100, and the payment amount size. The priority payment means information selected corresponding to the information is read from the IC card.

At this time, when the payment means (first payment means) information selected first by referring to the payment means selection condition information by the card terminal 100 is not mounted on the IC card, the card terminal 100 is configured to perform the above-mentioned operation. And confirming other payment means (second payment means) according to the payment means selection condition information, and reading the confirmed second payment means information from the IC card.

In addition, the card terminal 100, based on the ISO / IEC 14443 for the transaction with the contactless IC card, using a contactless IC card and contactless by using capacitive coupling and / or inductive coupling (inductive coupling), etc. It comprises at least one antenna making an electrical contact, the power supply to the IC chip of the contactless IC card through the antenna, predetermined from the IC chip through a half-duplex transaction using the APDU It may further comprise a non-contact IC reading unit for interfacing the information or data of the card terminal 100.

The key input unit 120 includes at least one key button including at least one numeric key and / or a character key and / or a function key. Detects information (or signal) input from a key input device of a key, and when predetermined information (or signal) is input from a predetermined key button provided in the key input device, the corresponding information (or signal) corresponds to the input information (or signal). A key event is generated, and the generated key event is provided to the controller 105.

Here, after the operation of the card terminal 100 is initiated, the controller 105 acquires predetermined key data corresponding to the key event for a predetermined transaction, and / or is matched with the key event and defined. Characterized by obtaining a command for executing a predetermined function, the key input unit 120 and the key input device having at least one key button interlocked with each other key input means provided in the card terminal 100 Performs the function of.

For example, a key input device interworking with the key input unit 120 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a letter key (eg, English letter key, and / or A keyboard device having a Hangul text key) and a function key, and / or at least one numeric key and a function key in conjunction with the screen output means, and / or at least one numeric key and a text key and a function key It is preferable to include at least one or more provided touch screen device.

According to an exemplary embodiment of the present invention, the key input unit 120 may provide key data corresponding to the electronic payment service from at least one or more key input devices for a predetermined electronic payment service defined in the card terminal 100 (eg, It is preferable to perform the function of the key input means for receiving a payment amount).

In addition, according to the size of the payment amount according to the present invention performs a function of the key input means for receiving at least one or more key data required in the process of first selecting a specific payment means of at least one or more payment means provided in the IC card It is desirable to.

According to the exemplary embodiment of the present invention, the key input device corresponding to the key input unit 120 may set the operation mode of the card terminal 100 in the initial mode and / or in the general payment mode, according to the present invention. It can be made by further comprising a key button to switch to.

In this case, when the operation mode of the card terminal 100 is the initial mode and / or the normal payment mode, it is preferable that the card terminal 100 performs the function of the existing general card terminal 100.

On the other hand, when the operation mode of the card terminal 100 is the payment means priority selection mode, the card terminal 100 with reference to the payment means selection condition information stored in the memory unit 140 according to the present invention, The predetermined payment means is preferentially selected according to the payment amount.

The screen output unit 115 is a liquid crystal display (LCD) by the controller 105 in the process of the card terminal 100 performs a predetermined function (for example, payment means selection function and electronic payment processing function according to the payment amount). Outputting at least one or more information or data which is predefined or defined in real time to be output to a predetermined display device including a crystal display and / or a CRT (Cathode Ray Tube) through a predefined interface screen The screen output unit 115 and the screen output device interoperate with each other to perform a function of the screen output means provided in the card terminal 100.

The predefined information or data to be output from the card terminal 100 to the screen output device may include key data input through the key input unit 120, and / or components included in the card terminal 100. At least one of information (or data) stored or generated by the information, information (or data) transmitted / received through the communication processing unit, and / or a predetermined operation result performed by the card terminal 100 (or data). This includes the above.

According to a preferred embodiment of the present invention, the screen output unit 115 is a screen for outputting the electronic payment processing screen according to each electronic payment step to the screen output device for the electronic payment service defined in the card terminal 100 It is preferable to perform the function of the output means, in particular, the screen output unit 115, the process of confirming the preferred payment means information corresponding to the size of the payment amount according to the invention and the identified priority with the IC card In the process of providing a signal (or command) for calling the payment means, it is preferable to perform a function of the screen output means for outputting a processing screen corresponding to each process.

The communication processing unit, the payment network in the process of the card terminal 100 performs a predetermined function (for example, the first payment means confirmation function corresponding to the payment amount and the electronic payment processing function using the identified preferred payment means, etc.) A server (eg, a payment server, etc.) and / or a terminal (or device) and / or the card connected to the card terminal 100 through a predetermined cable (eg, a value added network) and / or the card terminal 100. And a predetermined communication means for connecting a communication session with a terminal (or device) connected to the terminal 100 through a predetermined short range wireless communication, and a server (for example, a payment server, etc.) on a wired or wireless network. A network communication unit 130 for connecting a predetermined communication channel, and / or a cable passage for connecting a communication session with a predetermined terminal (or device) through a predetermined cable communication port. And a short range wireless communication unit 130 for connecting a predetermined short distance communication terminal (or device) device with a predetermined communication session through at least one short range wireless communication means. It comprises a communication protocol and / or driver for connecting the communication channel (or communication session).

The network communication unit 130 may be a predetermined wired network including a value added network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). A communication channel is connected to a server (for example, a payment server, etc.) on a wired / wireless network through a predetermined wireless network including a mobile communication network or a wireless data communication network. A modem or a network interface card (NIC) for connecting to a network, and a communication protocol and / or driver for connecting the card terminal 100 to the wired or wireless network in software. Is done.

The cable communication unit 130 connects a cable communication session with a predetermined terminal (or device) through a predetermined cable communication (eg, RS-232c, Universal Serial Bus (USB)). It comprises a predetermined cable communication port to which the cable is connected, and comprises a communication protocol and / or driver for the cable communication in software.

Here, the terminal (or device) to which the cable communication session is connected through the cable communication unit 130 may include a predetermined point of sales (POS) terminal.

The short range wireless communication unit 130 includes at least one of infrared ray communication, radio frequency (RF) communication, Bluetooth (BlueTooth), wireless LAN (Wireless LAN), Wi-Fi (Wi-Fi), and universal serial bus (USB). It is characterized by connecting a predetermined terminal (or device) and a short-range wireless communication session through at least one or more short-range wireless communication means including the above, and the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB in hardware It comprises a predetermined short-range wireless communication module for short-range wireless communication including a, and comprises a communication protocol and / or driver for the short-range wireless communication in software.

Here, the terminal (or device) to which the short-range communication session is connected through the short-range communication unit 130 may include a customer wireless terminal that mounts or detaches a predetermined wireless IC chip.

The Secure Application Module (SAM) is a confidentiality and / or authentication (required in the process of performing the electronic payment and / or electronic payment by the card terminal 100 using the card) and / Or security requirements, including integrity and / or nonrepudiation, in a secure and reliable structure within the card terminal 100 without using an authentication server (or payment server, etc.) on a payment network. As a safety device for performing, the card terminal 100 encrypts a predetermined message (information or data) processed in the process of performing a predetermined security request function (for example, an electronic payment and / or an electronic payment function). Adds an authenticator that decrypts and prevents forgery (or tampering) of the message, or stores critical information that is important in the process of performing the security request function It is characterized by performing a function.

In general, the security application module may be composed of a predetermined security application module inserter and a security application module chip, the security application module chip is a chip containing at least 8-bit CPU or more has a performance of 2 MIPS (Million Instructions Per Second) or more An Application Specific Integrated Circuit (ASIC) chip (eg, a PLCC 44-pin chip) and / or an IC chip (eg, an IC card in the form of a subscriber identity module (SIM)).

In addition, the security application module is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) required for the card terminal 100 to perform a predetermined security request function and / / Or a key (e.g., one master key and at least one application key) and / or a protocol (e.g., trading protocol, re-transaction protocol, last transaction cancellation protocol, collection protocol, SAM issuance protocol, (e-money company / card company) registration protocol , Privilege acquisition protocols, mode switch protocols, key download protocols, SAM discard protocols) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switch / collection / delete / discard / initialize / reprocess / Cancel command).

The print output unit is generated as a result of performing and / or as a result of the card terminal 100 performing a predetermined function (for example, a priority payment method checking function corresponding to a payment amount and an electronic payment processing function using the confirmed payment method). Outputting predetermined information or data (e.g., preferred payment means information selected according to the payment amount or payment processing result information or data using the payment means) to a predetermined printing device (e.g., a receipt printer). And a printing protocol and a driver for printing the print information or data through a predetermined printing device in accordance with a predefined printing form.

Referring to FIG. 1, the illustrated card terminal 100 (control unit 105) checks a payment amount input through the key input unit 120, and prioritizes a payment method corresponding to the confirmed payment amount. The card reading unit 110 receives a signal (or command) for requesting the identified preferred payment means information in association with the payment means selection unit 155 and the card reading unit 110 for confirming the payment means information of 1). And an information reading unit for providing an IC card contacted or non-contacted with the card, and reading the priority payment means information from the IC card.

The payment means selection unit 155 refers to the payment means selection condition information stored in the memory unit 140 of the card terminal 100 and corresponds to a payment amount input through the key input unit 120. Characterized by checking the type of payment means.

For example, referring to FIG. 5 below, a prepaid electronic money is selected for a small payment of 10,000 won or less, and a payment process for an amount exceeding 10,000 won is selected to be a debit card or a check card or a credit card according to the amount of money. If the payment means selection condition information is stored, when the payment amount is 8,000 won, the payment method selection unit 155 selects a prepaid electronic money as a prepaid electronic money to process the payment amount (eg, 8,000 won). And transmits the selected preferred payment means information to the information reader.

Thereafter, the information reading unit, which has received the first payment means (first payment means) information to be read from the IC card from the payment means selection unit 155, is connected or contacted with the IC through the card reading unit 110. The preferred payment means information is read from the IC card by providing a signal (or command) requesting the received preferred payment means information to a card.

According to the embodiment of the present invention, the card terminal 100, if the priority payment means is not mounted on the IC card and cannot read the priority payment means information through the information reader, it is checked by the The payment method selection unit 155 may be configured to further include an information confirmation unit for requesting confirmation of the second payment method information.

For example, referring to FIG. 5 below, the preferred payment means (first payment means) corresponding to the micropayment processing of 10,000 won or less in the payment means selection condition information stored in the memory unit 140 is a prepaid electronic money. When the second payment means type corresponding to the case where the prepaid electronic money is not loaded is a debit card, when the payment amount of 9,000 won is input through the key input unit 120, the payment means The selector 155 first selects the prepaid electronic money as a preferred payment means (first payment means) corresponding to the payment amount of 9,000 won, and transfers the selected payment means information to the information reader.

The information reading unit attempts to read the prepaid electronic money information from the IC card by providing a signal (or a command) for requesting the prepaid electronic money information to an IC card connected through the card reading unit 110. In this case, when the prepaid electronic money is not mounted on the IC card, the information checking unit requests the payment means selecting unit 155 to select a second payment method corresponding to the payment amount, The payment method selection unit 155 identifies a second payment method type (for example, a debit card) according to the payment method selection condition information, and transfers the confirmed second payment method type (debit card) to the information reading unit. The information reading unit requests the second payment means information from the IC card.

According to another exemplary embodiment of the present invention, the payment means selecting unit 155 may refer to the payment means selection condition information in preparation for the case where the first selected payment means is not mounted on the transaction target IC card. Selects a second payment method type, a third payment method type, and an Nth payment method type, and selects the selected first payment method (first payment method) type and the second payment method type; The payment means type and the Nth payment means type may be transmitted to the information reading unit. In this case, the information reading unit may transmit the second payment means information if the priority payment method is not mounted on the IC card. A request signal (or command) can be provided to the IC card.

According to the embodiment of the present invention, the card terminal 100 is configured to further include a validity authentication unit 170 for authenticating the validity of the IC card and the IC card user using a predetermined pin pad or the like. can do.

For example, in the process of using a specific payment means mounted on the IC card, if an access condition is set such that a PIN is required to access the specific payment means information (eg, a specific payment means element file) (eg, a specific payment) When an access condition using a PIN is defined in a header portion of the means element file), the validity authentication unit 170 receives a predetermined PIN in cooperation with the key input unit 120 and based on the input PIN. A validity authentication procedure may be performed to secure confidentiality, authentication, integrity, and nonrepudiation of the IC card (and / or at least one IC card storage information provided in the IC card).

According to the exemplary embodiment of the present invention, the card terminal 100 reads the preferred payment means when the preferred payment means information checked by the payment means selection unit 155 is read from the IC card through the information reading unit. A full text generation unit 175 for generating a payment approval request message including information and payment information (eg, payment amount, merchant information, card terminal information, etc.) and the generated payment approval request message; (Eg, a payment server, etc.), and further comprising a specialized processing unit for receiving a payment approval response message corresponding to the payment approval request message from the server and processing a payment transaction corresponding to the received payment approval response message. Can be configured to

In addition, according to an embodiment of the present invention, when the card terminal 100 provides a plurality of operation modes, a specific operation mode (for example, a preferred payment means selection mode corresponding to a payment amount size, etc.) among the plurality of operation modes. It may be configured to further include a mode selection unit (not shown) to select the).

2 is a diagram showing the configuration of IC card storage information having at least two payment means.

In more detail, FIG. 2 illustrates an IC card configuration in which a transaction for a predetermined financial transaction is performed with the card terminal 100 shown in FIG. 1 and at least two payment means are mounted for the transaction. For example, in FIG. 2, when a specific payment means information for payment of a payment amount corresponding to a predetermined financial transaction is requested from the card terminal 100, the payment amount is paid to the requested specific payment means. The payment means information mounted on the card may include a card application composed of one dedicated file and a plurality of element files.

As is known, with reference to standards including ISO / IEC 7816 and / or ISO / IEC 14443, the IC chip of an IC card is a power supply (VCC), reset signal (RST), clock signal (CLK), ground ( An input / output interface 200 that communicates with the financial IC card terminal (eg, exchanges of commands or data) through contact points such as GND), programming power supply (VPP), and / or input / output (I / O), and a CPU (Central). A processor unit 205 including at least one computing element including a process unit, a micro process unit (MPU), and / or a coprocessor, a read only memory (ROM), a random access memory (RAM), and the like. And a memory unit 210 including at least one memory element including an electrically erasable and programmable read only memory (EEPROM), a flash memory (FM), and the like, and in particular, at least one or more memory elements (eg, ROM) manages the internal resources of the IC card. The chip operating system (COS) is operated, and when the predetermined power is supplied from the card terminal 100 through a power supply (VCC) contact point of the input / output interface 200, the memory unit 210 ) Is loaded into a predetermined execution memory to control the overall operation of the IC chip, and the APDU (Application Protocol Data Unit) based on the clock frequency (eg, 3.57 MHz or 4.9 MHz) of the clock signal (CLK) contact point. Control information or data exchange between the IC chip and the financial IC card terminal.

According to the present invention, the memory unit 210 of the IC chip is characterized in that for storing at least two IC card storage information for payment means for a predetermined financial transaction, the IC card storage information for payment means card terminal (100) Driven or driven by a data storage unit for storing a data set corresponding to program data that is read and / or used by a program, and an arithmetic function of the processor unit 205 and an instruction set provided by a COS. An instruction call code and a processor unit 205 that are executed and operate and interact with the instruction set of the COS as a program routine used by the terminal program (for example, a Java applet in the case of a Javacard). There is provided a processing unit corresponding to the program code including the execution code to be processed by the processing unit, in particular the processing unit Reads a command provided from the card terminal 100 program via the input / output interface 200, and reads or records at least one or more information or data stored in the data storage unit based on the read command. The result or read information or data is provided to the terminal program via the input / output interface 200 through the APDU.

According to a preferred embodiment of the present invention, the memory unit 210 of the IC chip includes a security structure based on ISO / IEC 10202. Accordingly, the memory unit 210 may include a CSN (Chip Serial Number) and the like. And a protected area where the same secret information is stored, a COS control area, a user application area, a read / write access area, an application program area, and a FAT (File Allocation Table) management area, and the like. The IC card storage information for the means is preferably stored in an area excluding the protection area and the COS control area.

According to an embodiment of the present invention, the memory unit 210 of the IC card may include at least one or more other IC card storage information (eg, credit card storage information, check card storage information, debit card storage information, prepaid card storage information). Etc.), and the present invention is not limited thereby.

In addition, according to ISO / IEC 7816 and / or ISO / IEC 14443 ICC standards, the memory unit 210 may include one master file (MF) corresponding to a root file, and a lower subordinate to the master file. At least one Dedicated File (DF) corresponding to each ICC stored information, at least one Dedicated File (DF) corresponding to each ICC stored information, and disposed below the dedicated file; And a file structure consisting of an element file (EF) including substantial information and / or data for the smart card service.

According to the exemplary embodiment of the present invention, the card terminal 100 first selects a specific payment method among at least one or more payment means provided in the IC card according to the size of the payment amount according to the present invention, and then selects the selected payment means information. Extracting or generating a specific code value for requesting to provide the IC card in a contact or contactless manner through the card reading unit 110, the ICC of the IC card is a payment means corresponding to the provided specific code value If the payment means corresponding to the specific code value is loaded on the IC card, the card terminal checks the payment means information corresponding to the specific code value through the input / output interface 200. Return to (100).

3 is a diagram illustrating a predetermined financial transaction operation method through a card terminal 100 having a payment means priority selection function according to another exemplary embodiment of the present invention.

In more detail, FIG. 3 illustrates the types of payment target priority payment methods (and second, third, ..) according to the size of the payment amount according to the present invention in the memory unit 140 of the card terminal 100 shown in FIG. , Payment method selection condition information for confirming the payment method type of N) is stored, and when the IC card performing a predetermined financial transaction with the card terminal 100 is a contact card, the card terminal 100 Confirms the preferred payment means type corresponding to the payment amount size, provides the identified preferred payment means information call signal (or command) to the IC card, reads out the payment means information from the IC card, It is about how the transaction is carried out.

Those skilled in the art to which the present invention pertains, the card terminal 100 having a function of selecting the preferred payment means corresponding to the size of the payment amount by referring to and / or modifying the figure 3 Various operation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG.

Referring to FIG. 3 according to another embodiment of the present invention, a predetermined financial transaction through a card terminal 100 having a function of selecting a preferred payment means type corresponding to the size of the payment amount is performed by the card terminal ( In operation 300, a predetermined payment amount may be input through the key input unit 120 of FIG.

When the payment amount input through the key input unit 120 is confirmed, the card terminal refers to the payment means selection condition information stored in the memory unit as shown in FIG. Check the type of the preferred payment method corresponding to (305).

Subsequently, when the insertion of the contact type IC card is confirmed through the card reading unit 110, the card terminal initiates contact connection and contact activation between the card terminal and the IC card through the card reading unit 110 (310). In this case, in order for communication between the card terminal and the contact IC card to be made, first, when the IC card is inserted into the card terminal, the contact is activated by the card terminal (all contact signals of the card terminal are L state and VCC is less than 0.4V).

More specifically, if the IC card is located within the terminal tolerance limit (± 0.5mm), the card terminal correctly recognizes its position, and when all the contacts are actually connected, the contacts are activated by a series of continuous operations. It is preferable.

For example, the RST is kept low by the card terminal while the contact is activated, and power is supplied to the VCC of the IC card after the setting of the physical contact except for the activation of I / O or CLK. Set the I / O line driver to the receive mode, and the CLK will receive a suitable and stable clock.The I / O line driver receives the receive mode before the clock is generated except that it is set to the receive mode within 200 clock cycles after the clock is generated. By aligning, contact activation can be initiated.

Through the above process, the card terminal confirms the insertion of the contactless IC card through the card reading unit 110, and if the contact connection and activation is initiated through the card reading unit 110, the card terminal is inserted The IC card is reset, and the IC card returns a reset response corresponding to the reset to the card terminal (315).

According to the implementation method of the present invention, the IC card reset method preferably includes at least one of an asynchronous internal reset, an active-low reset method and a synchronous active high reset method.

Thereafter, the card terminal 100 sends a signal (or command) for requesting information of a first payment means (first payment means) corresponding to the payment amount confirmed by the payment means selection condition. At step 325, the IC card 300 reads the payment means information selected as the identified preferred payment means from the IC card (320).

When the payment means information selected as the identified preferred payment means is not mounted on the IC card, or when the payment means selected as the preferred payment means is not available (330), the card terminal is predetermined through the screen output unit. Output a message indicating that a second payment means is required (335), and the card terminal further transmits a secondary (third ,,,) payment means corresponding to the confirmed payment amount. In step 340, the process of reading the payment means information selected as the confirmed secondary (tertiary ,,,) payment means from the IC card is performed again (325).

On the other hand, if the payment means information selected as the identified preferred payment means is loaded on the IC card, and the payment means information selected as the preferred payment means is successfully read from the IC card (330), the card terminal may be The transaction approval request text including the read payment means information and the payment amount information is generated (345), and the generated transaction approval request text is transmitted to the server on the network (350).

Thereafter, when a transaction approval response message corresponding to the transaction approval request message is received from the server on the network (355), the card terminal performs a payment transaction process corresponding to the received transaction approval response message (360). .

On the other hand, when the process is successfully terminated or terminated by a predetermined error, the card terminal starts the deactivation by setting the RST contact to the L state, the card terminal, RST prior to disconnecting the VCC Is set to the L state, then the CLK and I / O contacts are set to the L state, and RST, CLK and I / O are set to the L state before physical disconnection of the terminal contact, and then the VCC is disconnected. The transaction process between the terminal and the card terminal is terminated.

4 is a diagram illustrating a predetermined financial transaction operation method through a card terminal 100 having a payment means priority selection function according to another exemplary embodiment of the present invention.

In more detail, FIG. 4 illustrates the type of payment preferred transaction means (or second, third, ..) according to the size of the payment amount according to the present invention in the memory unit 140 of the card terminal 100 shown in FIG. , Payment means selection condition information for confirming the payment means type of N) is stored, when the IC card performing a predetermined financial transaction with the card terminal 100 is a contactless card, the card terminal 100 Confirms the preferred payment means type corresponding to the payment amount size, provides the identified preferred payment means information call signal (or command) to the IC card, reads out the payment means information from the IC card, It is about how the transaction is carried out.

Those skilled in the art to which the present invention pertains, the card terminal 100 having a function of selecting the preferred payment means corresponding to the size of the payment amount by referring to and / or modifying the figure 3 Various operation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG.

Referring to FIG. 4 according to another embodiment of the present invention, a predetermined financial transaction through a card terminal 100 having a function of selecting a preferred payment method type corresponding to the size of the payment amount is performed in the card terminal. In operation 400, a process of confirming a payment amount input through the key input unit 120 is started.

When the payment amount input through the key input unit 120 is confirmed, the card terminal refers to the payment means selection condition information stored in the memory unit as shown in FIG. Check the type of the preferred payment means corresponding to (405).

Subsequently, when the card terminal accesses the contactless IC card within the operating range of the terminal, activation of the contactless IC card entering the operating range of the card terminal is initiated (410), and the card terminal receives the access. By performing communication signal connection with the contactless IC card which has entered the operating range, a series of information transmission and reception processes described below is started (415).

At this time, the card terminal generates a radio field (RF field) coupled with the IC card for power supply of the contactless IC card entered the operating range, the generated radio field is preferably modulated for communication.

At this time, the operating range of the card terminal, the minimum operating range (Hmin) has a value of 1.5A / m rms, the maximum operating range (Hmax) has a value of 7.5A / m rms, the contactless IC It operates while maintaining between the card and the Hmin and Hmax, the communication signal connection between the card terminal and the contactless IC card is connected in the form of Type A or Type B, wherein the card terminal is the type A contactless IC card In order to determine whether it is recognized or Type B, the modulation scheme is alternately operated according to Type A or Type B in the idle state.

When the communication between the card terminal and the contactless IC card through the process, the card terminal provides a signal (or command) for calling the identified preferred payment means information to the contactless IC card (420), the contactless Attempt to read the selected payment means information from the IC card to the identified preferred payment means (425).

If the payment method information selected as the checked preferred payment means is not mounted on the contactless IC card or the payment means selected as the preferred payment means is unavailable (430), the card terminal is connected to the screen output unit. Outputting a predetermined error message or outputting a message indicating that a second payment means is required (435); and the card terminal further performs a second (third ,,,) payment corresponding to the confirmed payment amount. The method checks the means (440), and reads the selected payment means information from the IC card to the identified secondary (third, ..., payment) means again (420).

On the other hand, when the payment means information selected as the identified preferred payment means is loaded on the contactless IC card, and the payment means information selected as the preferred payment means is successfully read from the contactless IC card (430), the card is read. The terminal generates a transaction approval request message including the read payment means information and the payment amount information (445), and transmits the generated transaction approval request message to the server on the network (450).

Thereafter, when a transaction approval response message corresponding to the transaction approval request message is received from the server on the network (455), the card terminal performs a payment transaction process according to the received transaction approval response message (460).

On the other hand, if the process is successfully terminated or if the contactless IC card is out of the operating range of the card terminal, the power supply to the contactless IC card is stopped, and the communication signal connection between the card terminal and the contactless IC card is Is released.

5 is a diagram illustrating a memory configuration of a card terminal 100 in which payment means selection condition information for selecting a preferred payment method type corresponding to the size of a payment amount according to an embodiment of the present invention is stored.

In more detail, FIG. 5 illustrates a memory unit of the card terminal 100 which is referred to in the process of confirming the type of payment means to be assigned first in response to the size of the payment amount in the process of payment transaction with a predetermined IC card ( Regarding the configuration of the payment means selection condition information stored in 140, those skilled in the art to which the present invention pertains, preferred payment means corresponding to the size of the payment amount by referring to and / or modifying the figure 5 It is possible to infer the configuration of various payment means selection condition information for confirming, but the technical features of the present invention is not limited by the Figure 5, it will be understood that it includes all the inferred implementation method.

According to the exemplary embodiment of the present invention, the payment means selection condition information is information for processing the payment target amount by using a specific payment means corresponding to the size of the payment target amount. If the payment method selection condition information includes a prepayment type electronic money for small payments of less than 10,000 won, and payment processing for an amount exceeding 10,000 won is included to select a debit card, a check card or a credit card according to the amount size, When a payment amount of 8,000 won is input through the key input unit 120 of the card terminal, the card terminal refers to the payment means selection condition information, and the priority payment for processing the payment amount (for example, 8,000 won). Confirm the means by prepaid electronic money, and provide the IC card with a call signal (or command) requesting the identified preferred payment means information. It is good.

In addition, as shown in FIG. 5, the preferred payment means (first payment means) corresponding to the micropayment processing of 10,000 won or less in the payment means selection condition information is prepaid electronic money, and the prepaid electronic money is loaded. If the second payment type corresponding to the case is not a debit card, when the payment amount of 9,000 won is input through the key input unit 120, the card terminal first pays the amount of 9,000 won. The prepaid electronic money is identified to a preferred payment means (first payment means) corresponding to, and a signal (or command) for requesting the prepaid electronic money information is provided to the IC card, wherein the IC card is used. If the prepaid electronic money is not loaded on the card terminal, the card terminal automatically provides the IC card with a signal (or command) requesting the second payment means (debit card) information. Attempt to read the payment method information of 2.

According to the present invention, by presenting the card terminal 100 to first select a specific payment means from the at least one or more payment means provided in the IC card according to the size of the payment amount, the IC card equipped with a plurality of payment means There is an advantage that can improve the utility.

In addition, in the case of a business operator or a financial institution, by inducing a payment method according to a specific payment amount (for example, a small amount of less than 10,000 won), it is possible to bring about activation of a specific payment method (for example, prepaid electronic money, check card, etc.). There is this.

Claims (5)

  1. Confirming a payment amount size input through a predetermined key input means at a card terminal in a payment process using an IC card, and then confirming a type of payment means assigned in advance in response to the confirmed payment amount size;
    Providing the confirmed first payment means call signal (or command) from the card terminal to the IC card; And
    And when the first payment means is not loaded on the IC card, automatically providing a second payment means call signal (or command) to the IC card by the card terminal. Way.
  2. The method of claim 1,
    And setting and / or storing payment means information to be called first in correspondence with the payment amount size.
  3. A card reading unit providing a payment means information call signal (or command) to the IC card and receiving payment means information corresponding to the call signal (or command) from the IC card;
    A payment means selection unit which checks a payment amount size input through a predetermined key input means and selects a payment means type preferentially assigned in response to the confirmed payment amount size during a payment processing using an IC card;
    The first payment means call signal (or command) selected by the payment means selection unit is primarily selected to the IC card through the card reading unit, and the second payment means is automatically loaded when the first payment means is not loaded on the IC card. And a control unit for controlling to provide a payment means call signal (or command) to the IC card.
  4. The method of claim 1, wherein the card reading unit,
    A card terminal device, characterized in that information exchange with the IC card in a contact and / or contactless manner.
  5. A computer-readable recording medium having recorded thereon a program for executing a function of the card terminal device component of claim 3.
KR1020060104748A 2006-10-27 2006-10-27 Card terminal devices, method for operating card terminal devices and program recording medium KR20080037745A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101156374B1 (en) * 2009-07-31 2012-06-13 사단법인 금융결제원 Method for providing financial transaction service with memory card between mobile and recording medium

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101156374B1 (en) * 2009-07-31 2012-06-13 사단법인 금융결제원 Method for providing financial transaction service with memory card between mobile and recording medium

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