KR20090115926A - A mobile small settling terminal having a receipt issue function and a settling method - Google Patents

Abstract

PURPOSE: A small payment terminal having an electronic receipt issuing function and a method thereof are provided to reduce the size of the terminal. CONSTITUTION: A card recognition unit(110) obtains card information of a consumer according to the kind of cards. A wireless transceiving unit(130) has a mobile communication module for the call function and a wireless LAN(Local Area Network) module for the mobile payment service. A controller(140) transmits small payment processing information together with authentication information to a mobile communication terminal of a consumer in the type of an electronic receipt. According to a control signal of the controller, a touch screen(160) can perform an information display function for the execution of a small payment application and an information input function for the input of a user signature at the same time.

Description

Small payment terminal with electronic receipt issuance function and payment method using the same {a mobile small settling terminal having a receipt issue function and a settling method}

The present invention relates to a portable payment terminal, and more particularly, to a small payment terminal having an electronic receipt issuing function and a payment method using the same.

However, according to such a prior art, the normal function of the terminal for accessing the above-described smart card (IC card) is merely to input / output data from the card. Therefore, the development of a variety of more specific terminal for the easier and more convenient handling of small payments generated in various transactions such as traffic, distribution, culture, etc. is insufficient.

The conventional portable mobile payment terminal adopts a payment method that reads information stored in a magnetic line to perform a payment, and outputs a receipt according to the payment result to a printer and provides it to a consumer. Therefore, it has the following inconvenience.

First, the volume of the payment terminal is large because it must include a printer module for providing a receipt to the consumer.

Second, since the receipt is provided in paper, when a predetermined time has elapsed, the receipt must be presented to cancel the payment. If the paper receipt is lost, it is inconvenient to cancel the processing.

As another inconvenience, there is a difficulty in determining the authenticity of whether the actual payment process is performed using the payment terminal. For example, payments may occur without the actual visit of a worker to a patient benefiting from the Ministry of Health. Therefore, there is a need for an apparatus for identifying a payment status in a situation in which a substantial visit is required.

It is an object of the present invention to provide a micro payment terminal and a payment method capable of providing an electronic receipt to a consumer.

Another object of the present invention is to provide a small payment terminal and a payment method that can eliminate the disadvantage of bulky by having a printer module for printing a paper receipt in a portable payment terminal.

Still another object of the present invention is to provide a micro payment terminal and a payment method capable of confirming that a substantial service is provided using a portable payment terminal.

It is still another object of the present invention to provide a micro payment terminal and a payment method capable of providing location information so that a network server can recognize current location information of a portable payment terminal.

A micro payment terminal according to the present invention for achieving these objects is a card recognition unit for acquiring the card information of the consumer in any one of a contact method and a non-contact method according to the card type of the consumer; An input unit for inputting a payment amount; A wireless transceiver comprising a mobile communication module for implementing a call function through a mobile communication base station and a wireless LAN module for connecting to at least one network supporting a mobile payment service; On the basis of the card information recognized through the card recognition unit and the information input through the input unit to perform a micropayment application through the exchange of information with the financial transaction server connected to the network, including the authorization information according to the performance of the application A control unit for controlling the micro payment processing information to be transmitted to the mobile communication terminal of the consumer in the form of an electronic receipt; A memory for storing payment processing information according to a result of performing the application; And a touch screen capable of simultaneously performing an information display function in a form in which a user can recognize information required in an application process according to a control signal of the controller and an information input function for receiving a user's signature. It is characterized by the configuration.

A feature of the detailed configuration of the micropayment terminal according to the present invention is that the electronic receipt, which is the micropayment processing information, is provided to the mobile communication terminal of the consumer in the form of a multimedia service.

Another detailed configuration feature of the micropayment terminal according to the present invention further includes a GPS receiver for receiving current location information of the micropayment terminal from the satellite, and the control unit is configured to obtain a current of the micropayment terminal obtained through the GPS receiver. The location information is controlled to be transmitted to the financial transaction server of the network through the wireless transceiver.

Another detailed configuration feature of the micropayment terminal according to the present invention is that the card recognition unit extracts the personal information of the consumer by recognizing the card in which the consumer's qualification information is stored, not the card for the financial transaction.

Small payment method according to the present invention comprises the steps of displaying the payment amount; Acquiring the card information of the consumer by either a contact method or a non-contact method according to the card type of the consumer; Performing a micropayment application for transmitting payment amount information and the card information of the consumer to a financial transaction server connected to a network using a wireless transceiver; Transmitting the approval information according to the result of performing the micro payment application to the mobile communication terminal of the consumer in the form of an electronic receipt; And storing the payment processing information according to the execution result of the application.

 A detailed feature of the micropayment method according to the present invention is that it further comprises the step of transmitting the location information of the mobile communication terminal to the financial transaction server connected to the network using a wireless transceiver.

Another detailed feature of the micropayment method according to the present invention is that the electronic receipt, which is the micropayment processing information, is provided to the mobile communication terminal of the consumer in the form of a multimedia service.

Small payment terminal according to the present invention can expect the following effects.

First, it is possible to reduce the size of the terminal by providing an electronic receipt does not require a configuration for outputting a paper receipt.

Second, by providing the electronic receipt to the user's mobile communication terminal it can eliminate the inconvenience caused by the loss of the receipt.

Third, it is possible to determine the current location of the micropayment terminal holder.

Fourth, it is possible to check whether a substantial service is provided by using a portable payment terminal.

Hereinafter, with reference to the accompanying drawings will be described the configuration and operation of the micropayment terminal according to the present invention.

Since the present invention relates to a mobile payment terminal, it looks at the type of card for making a payment through the mobile payment terminal.

First, when the types of cards having a payment function are divided into shapes, they are largely classified into magnetic cards and smart cards.

Most of the credit cards, debit cards, and debit cards that are currently in use are stored in a magnetic form on the back of the card. However, the amount of information that can be stored is extremely limited, and when exposed to a strong magnetic field in everyday life, it is not only easily damaged, but also has a disadvantage in that information can be easily leaked because there is no security function.

In general, smart cards, which are almost the same size and shape as credit cards, are also known as integrated circuit (IC) cards and are named because they contain an integrated circuit of semiconductors. The IC integrates microprocessors such as computer CPUs, card operating systems, memory, and security modules. This IC chip, embedded in a thin card with a thickness of about 0.76mm, is able to store more information than conventional magnetic cards using magnetic wires, and also has excellent stability. have. Smart card can store a large amount of information such as personal information such as bank account, social security number, etc. as well as user and transaction information, so it can be used not only as a simple electronic money but also various applications. Smart cards are divided into memory type and microprocessor built-in type according to the type of built-in IC. Memory-type cards include no microprocessor, memory only, or security features in memory, and are used for public phone cards or data storage.

It can also be divided into contact and contactless cards, depending on how data is read from the card. A contact card is a card that can be used only after the card is inserted into a reader or a terminal and the contacts are in contact with each other. The input and output process of the information is carried out with the voltage supply required to drive the IC circuits in the card through the contacts.

On the other hand, a contactless card, like a bus card, can be read within a certain distance (within 10 cm) of the terminal by the terminal. Since the contactless card cannot supply the voltage from the outside, the inductive current is obtained by using the coil embedded in the card. It also contains a simple wireless communication circuit for data input and output to and from the terminal.

In the case of a contact card, the contact must be touched each time it is used, which may result in electric shock or damage to the contact. On the other hand, the contactless card does not have this disadvantage, but has a disadvantage in that the manufacturing cost is higher than that of the contact card. Of course, dual cards that can be used in both ways are also in use today. The micro payment terminal according to the present invention may be implemented in a configuration capable of recognizing both a contact card and a contactless card. With the recent proliferation of contactless cards, it is also possible to implement a terminal capable of recognizing only a contactless card as another embodiment of the present invention. In this case, the mechanical configuration for recognizing the contact card is only removed from the terminal, and does not mean that the issuance of the electronic receipt function, which is the basic concept of the present invention, or the current location information transmission / reception function of the payment terminal are not limited.

Hereinafter, a case in which a consumer makes a payment using a contactless card will be described as an example.

1 is a block diagram showing the configuration of a micro payment terminal according to the present invention.

The card recognition unit 110 for acquiring the card information of the consumer by any one of a contact method and a non-contact method according to the card type of the consumer, an input unit 120 for inputting a payment amount, and a call function through a mobile communication base station. A wireless transceiver module 130 having a mobile communication module to implement and a wireless LAN module for accessing at least one network supporting a mobile payment service, the card information and the input unit recognized through the card recognition unit 110 ( 120 performs the micropayment application through the exchange of information with the financial transaction server connected to the network based on the information input through the information, and the micropayment processing information according to the execution of the application including the approval information in the form of an electronic receipt. The control unit 140 for controlling the transmission to the mobile terminal 200 of the consumer, depending on the execution result of the application Memory 150 for storing payment processing information, the information display function and the information for receiving the user's signature in a form that can be recognized by the user in the form of information required in the execution of the application in accordance with the control signal of the control unit 140 It includes a touch screen 160 that can perform the input function at the same time.

2 is a flowchart showing a process of a small payment method according to the present invention, Figures 3a to 3e is an exemplary embodiment of a payment process using a small payment terminal according to the present invention.

First, as shown in FIG. 3A, a payment amount is displayed through a liquid crystal display, preferably through the touch screen 160. However, if the payment amount is always constant, such as newspaper payments, Internet payments, or periodicals, the payment amount display process may be omitted. However, the terminal user may input a payment amount for delivery of milk price, fast food, or payment of a service amount selectable by a consumer. The input of the payment amount is input method using an input device such as a number key, and a handwriting recognition function on a part of the touch screen to input the payment amount by handwriting, or to display a number on the screen and input it in the form of a touch screen. Various methods are possible (S201).

The card information is acquired from the card 10 presented by the consumer as shown in Fig. 3B. At this time, the card information of the consumer is acquired by either the contact method or the non-contact method according to the card type of the consumer. In this case, the card that can be used is not only a credit card but also a card used as a transportation card (S202).

As shown in FIG. 3c, the payment amount information and the card information of the consumer are transmitted to the financial transaction server 200 connected to the network using a wireless transceiver. Networks are different in operation and application, but include all types of networks that are compatible with protocols and support mobile payment services through gateways. Local Area Networks (LANs), Wide Area Networks (WANs) ), And a value added network (VAN), a mobile radio communication network, a wireless internet network, or a satellite communication network.

At this time, unlike the payment terminal currently used in general, the small payment terminal according to the present invention transmits the current location information of the terminal to the payment server. This is to prevent an unfair payment that receives a service execution fee by making a payment as if the service was performed falsely without actually performing the service. In addition, since the user of the micro payment terminal can grasp the current location information, it is possible to determine whether the terminal user's working attitude or departure from the working place. In addition, when there is a situation that the emergency dispatch to a predetermined area occurs, as shown in Figure 3d it is possible to control the movement path of the terminal user by transmitting emergency information without having to call the terminal user to know the current location.

In this case, the normal approval process may be performed by receiving the consumer's signature according to the payment amount, but the present invention is to omit a separate sign acquiring process because it is a small payment (S203).

After the payment information is transmitted, a small payment application for receiving the approval information from the financial transaction server is performed (S204).

When a normal payment process is performed on the execution result of the micro payment application, the approval information is transmitted to the mobile communication terminal of the consumer in the form of an electronic receipt as shown in FIG. 3E (S205).

The payment processing information according to the execution result of the application is stored in the memory 150 (S406).

 On the other hand, the payment terminal 100 uses a well-known challenge-response technology as a method for authentication between the smart card and each other, so that the security algorithm stored in the memory 150 is a smart card and the present The mobile communication terminal 100 according to the present invention may be a symmetric key algorithm for encrypting or decrypting each other with the same key, or, conversely, an asymmetric key, that is, a public key algorithm for encrypting / decrypting data with a key not shared with each other. Here, to briefly describe the attempt response process, the mobile communication terminal 100 transmits a random number to the smart card through the card recognition unit 110, the smart card encrypts the random number by a symmetric key or public key method To retransmit to the mobile communication terminal (100). Accordingly, the mobile communication terminal 100 decrypts the encrypted random number received from the smart card, verifies whether the decrypted random number is a random number sent by the mobile terminal, and authenticates the smart card.

Therefore, the consumer is provided with the convenience of using the financial / payment process only by approaching the wallet itself to the mobile communication terminal 100 without having to remove the smart card from the wallet. In addition, the electronic receipt can be received by the mobile terminal of the consumer to check whether the payment is abnormal as well as the normal processing of the payment. Therefore, the customer can solve the problem by losing the paper receipt at the time when the correction is required.

1 is a block diagram showing the configuration of a micro payment terminal according to the present invention.

2 is a flowchart illustrating a process of the micropayment method according to the present invention.

3A to 3E are exemplary views illustrating a payment process using the micro payment terminal according to the present invention.

Claims (7)

A card recognition unit for acquiring the card information of the consumer in any one of a contact method and a non-contact method according to the card type of the consumer; An input unit for inputting a payment amount; A wireless transceiver comprising a mobile communication module for implementing a call function through a mobile communication base station and a wireless LAN module for connecting to at least one network supporting a mobile payment service; On the basis of the card information recognized through the card recognition unit and the information input through the input unit to perform a micropayment application through the exchange of information with the financial transaction server connected to the network, including the authorization information according to the performance of the application A control unit for controlling the micro payment processing information to be transmitted to the mobile communication terminal of the consumer in the form of an electronic receipt; A memory for storing payment processing information according to a result of performing the application; And a touch screen capable of simultaneously performing an information display function in a form in which a user can recognize information required in an application process according to a control signal of the controller and an information input function for receiving a user's signature. Small payment terminal with an electronic receipt issuance function. The micropayment terminal of claim 1, wherein the electronic receipt, which is the micropayment processing information, is provided to a mobile communication terminal of a consumer in the form of a multi-media service. According to claim 1, further comprising a GPS receiver for receiving the current position information of the micropayment terminal from the satellite, wherein the control unit via the wireless transceiver to transmit the current position information of the micropayment terminal obtained through the GPS receiver Small payment terminal having an electronic receipt issuance function characterized in that the control to transmit to the financial transaction server of the network. The micropayment terminal according to claim 1, wherein the card recognition unit extracts the personal information of the consumer by recognizing a card in which the entitlement information of the consumer is stored, not a card for a financial transaction. Displaying a payment amount; Acquiring the card information of the consumer in one of a contact method and a non-contact method according to the card type of the consumer; Performing a micropayment application for transmitting payment amount information and the card information of the consumer to a financial transaction server connected to a network using a wireless transceiver; Transmitting the approval information according to the result of performing the micro payment application to the mobile communication terminal of the consumer in the form of an electronic receipt; The payment method using a micropayment terminal comprising the step of storing the payment processing information according to the execution result of the application. The method of claim 5, further comprising transmitting location information of the mobile communication terminal to a financial transaction server connected to a network by using a wireless transceiver. The payment method of claim 5, wherein the electronic receipt, which is the micropayment processing information, is provided to the mobile communication terminal of the consumer in the form of a multi-media service.

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