KR20110053137A - Elecric card, electric card reader, and electric account system using them - Google Patents

Elecric card, electric card reader, and electric account system using them Download PDF

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Publication number
KR20110053137A
KR20110053137A KR1020090109972A KR20090109972A KR20110053137A KR 20110053137 A KR20110053137 A KR 20110053137A KR 1020090109972 A KR1020090109972 A KR 1020090109972A KR 20090109972 A KR20090109972 A KR 20090109972A KR 20110053137 A KR20110053137 A KR 20110053137A
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KR
South Korea
Prior art keywords
card
information
signal
user
authentication number
Prior art date
Application number
KR1020090109972A
Other languages
Korean (ko)
Inventor
정지홍
반영환
강동균
백송이
장미화
장성배
서경화
Original Assignee
국민대학교산학협력단
홍익대학교 산학협력단
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 국민대학교산학협력단, 홍익대학교 산학협력단 filed Critical 국민대학교산학협력단
Priority to KR1020090109972A priority Critical patent/KR20110053137A/en
Publication of KR20110053137A publication Critical patent/KR20110053137A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K17/00—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
    • G06K17/0022—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations arrangements or provisious for transferring data to distant stations, e.g. from a sensing device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record 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
    • G06K19/067—Record 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
    • G06K19/07—Record 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
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07701—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction
    • G06K19/07703—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction the interface being visual
    • G06K19/07707—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction the interface being visual the visual interface being a display, e.g. LCD or electronic ink
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip

Abstract

The present invention relates to an electronic card, an electronic card reader, and an electronic payment system using the same, and discloses a technology for integrating a plurality of cards into a single display device to be portable. To this end, the electronic card of the present invention includes a memory for storing card information and user information for a plurality of cards issued by a user, an RF signal transmitter for generating card information and user information as an RF signal, and a plurality of cards. A display unit including a card selection menu for selecting a menu, an information confirmation menu for confirming card information and user information, a download menu for receiving card information, and a payment selection corresponding to the card when the card selection menu is selected The user interface unit generates a signal and, when the information confirmation menu is selected, generates an information request signal corresponding to the corresponding card, extracts card information and user information from the memory according to the payment selection signal, and transmits the information to the RF signal transmitter. The card information and the user information to the display unit in response to the request signal Includes fisherman.

Integrated, RF communication, display, electronic card

Description

Electronic card, electronic card reader and electronic payment system using the same {ELECRIC CARD, ELECTRIC CARD READER, AND ELECTRIC ACCOUNT SYSTEM USING THEM}

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic card, an electronic card reader, and an electronic payment system using the same. More particularly, the present invention relates to an electronic card, an electronic card reader, and an electronic payment system using the same by integrating a plurality of cards into one display device.

There are many different types of cards available today, so it is common to carry several cards in one wallet. However, as the number of cards to carry increases, there is a difficulty in storing them. In addition, in the case of a plurality of contactless IC cards, there is an inconvenience of having to take out each one separately.

An object of the present invention is to provide a portable electronic card, an electronic card reader and an electronic payment system using the same by integrating a plurality of cards in one display device to solve the above problems.

An electronic card according to the present invention includes a memory for storing card information and user information for a plurality of cards issued by a user; An RF signal transmitter configured to generate the card information and the user information as an RF signal; A display unit including a card selection menu for selecting any one of the plurality of cards, an information confirmation menu for confirming the card information and the user information, and a download menu for receiving the card information; A user interface unit generating a payment selection signal corresponding to the card when the card selection menu is selected and generating an information request signal corresponding to the card when the information confirmation menu is selected; And a controller which extracts the card information and the user information from the memory and transmits the card information and the user information to the RF signal transmitter in accordance with the payment selection signal and transmits the card information and the user information to the display unit in accordance with the information request signal.

The apparatus may further include a data receiving port for receiving the card information and the user information through the user's PC. The display unit is a touch screen method. The display unit further includes a touch lock menu. The apparatus further includes a power supply unit for supplying driving power.

In addition, the electronic card reader according to the present invention, the RF signal receiving unit for receiving an RF signal including the card information and user information from the electronic card; Authentication number generation unit for generating an authentication number when the RF signal is received; A controller configured to generate a card authentication message when the authentication number is generated, generate an authorization failure message when an authorization failure signal is received, and generate a settlement completion message when a settlement completion signal is received; A transmitter for transmitting at least one of the card authentication message, the authorization failure message, and the payment completion message to a user's mobile phone; An authentication number input unit for inputting the authentication number sent to the mobile phone; An authentication number approval unit that determines whether the authentication number input to the authentication number input unit and the authentication number generated by the authentication number generation unit match, and generates a payment approval signal when the authentication number matches; And a payment processing unit which transmits authentication information to the corresponding card company according to the payment approval signal and generates the payment completion signal according to whether the authentication is completed from the card company. The authentication number approval unit transmits the approval failure signal to the controller when the authentication number input to the authentication number input unit and the authentication number generated by the authentication number generation unit do not match.

In addition, the electronic payment system according to an embodiment of the present invention stores the card information and the user information for each of the plurality of cards issued by the user, RF the card information and the user information corresponding to the selected card of the plurality of cards An electronic card to generate a signal; And generating an authentication number for authenticating the electronic card by receiving the RF signal and transmitting it to the mobile phone of the user. When the authentication of the electronic card is approved, the payment is authenticated by the card company of the selected card to complete the payment. An electronic card reader. The electronic card includes an IC chip and is connected to the user's PC to store the card information and the user information in the IC chip through a network.

As described above, according to the feature of the present invention, a plurality of cards are integrated into one display device to provide an effect that is easy to carry.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is "connected" to another part, this includes not only "directly connected" but also "electrically connected" with another element in between. . In addition, when a part is said to "include" a certain component, which means that it may further include other components, except to exclude other components unless otherwise stated.

1 is a block diagram illustrating an electronic payment system using an electronic card and an electronic card reader according to an embodiment of the present invention.

Referring to FIG. 1, the electronic payment system of the present invention includes an electronic card 100 and an electronic card reader 200. The electronic card 100 stores card information and user information corresponding to each of a plurality of cards issued by a user from a personal computer (PC) 1 of the user, and the user selects a card to be paid out of the plurality of cards. The card information and the user information for the card is generated as an RF signal (RFS) and transmitted to the card reader 200. Here, the card information includes a card name, an expiration date and a card number, and the user information includes a user's name and a mobile phone number. Cards described in the embodiments of the present invention are generally credit cards, but the present invention is not limited thereto, and may include a traffic card, a point card, and the like.

The electronic card 100 has a data receiving port 101 on the outside thereof and is connected to the PC 1 via a USB (Universal Serial Bus) cable. That is, the electronic card 100 is connected to the PC 1 to download the card information and user information via the network (4). Here, the electronic card 100 according to the embodiment of the present invention includes one IC chip, and stores card information corresponding to a plurality of cards in one IC chip.

The electronic card reader 200 receives the RF signal (RFS) including the card information and the user information from the electronic card 100, generates an authentication number for authenticating the electronic card 100, the user's mobile phone (2) Send to). When the authentication of the electronic card 100 is approved, the electronic card reader 200 authenticates the payment from the card company 3 of the corresponding card and completes the payment.

FIG. 2 is a detailed block diagram illustrating the electronic card 100 shown in FIG. 1.

Referring to FIG. 2, the electronic card 100 of the present invention includes a memory 102, a controller 104, a user interface 106, a display 108, an RF signal transmitter 110, and a power supply 112. Include.

The memory 102 is composed of an IC chip and stores card information and user information for a plurality of cards provided by a user.

The controller 104 extracts card information corresponding to any one of the plurality of payment selection signals SEL from the memory 102 and transfers the card information and the user information to the RF signal transmitter 110. In addition, the controller 104 transmits the card information and the user information to the display unit 108 according to the information request signal IRS. When the USB cable is connected through the data receiving port 101, the controller 104 receives card information and user information from the user's PC 1 and stores the card information and the user information in the memory 102.

The user interface unit 106 transmits a payment selection signal SEL corresponding to the card selected by the user among the plurality of cards to the controller 104. The user interface 106 transmits an information request signal IRS to the controller 104 when the user requests card information and user information on a card selected from a plurality of cards.

The display unit 108 operates in a touch screen manner and may be implemented as a display device including an organic light emitting diode (OLED). The display unit 108 includes a card selection menu for selecting a card to be paid by the user from among a plurality of cards, an information confirmation menu for confirming card information and user information, and a download menu for receiving card information. The display unit 108 may provide an image of a plurality of cards subscribed to by the user as an initial screen, and may provide an image of a corresponding card in full screen when the user selects a card. The display unit 108 of the present invention may further include a touch lock menu. In this case, the UI unit 106 transmits a touch control signal TCS for locking and releasing the touch to the controller 104, and the controller 104 receives a touch control signal TCS to control the touch lock state. .

The RF signal transmitter 110 includes an RF antenna for RF (Radio Frequency) communication, and transmits an RF signal (RFS) including card information and user information from the controller 104. The power supply unit 112 is composed of a battery or the like, and supplies power for driving the electronic card 100.

3 is a detailed block diagram of the electronic card reader 200 shown in FIG. 1.

Referring to FIG. 3, the electronic card reader 200 of the present invention includes an RF signal receiver 202, an authentication number generator 204, a controller 206, a transmitter 208, an authentication number input unit 210, and an authentication number. The approval unit 212 and the payment processing unit 214 is included.

The RF signal receiver 202 receives the RF signal RFS. The authentication number generator 204 generates an authentication number when the RF signal RFS is received. Here, the authentication number is a predetermined number of numbers randomly extracted for payment processing.

The control unit 206 receives the authentication number from the authentication number generation unit 204, the merchant phone number for card payment as a receiving telephone number, and a message containing the merchant name and authentication number (hereinafter referred to as a card authentication message) To generate and transmit to the transmitter 206. In addition, when the authorization failure signal AFS is received, the controller 206 generates an authorization failure message using the affiliated phone number as a reception telephone number, and transmits the authorization failure message to the transmitter 206. In addition, when the payment completion signal PFS is received, the controller 206 generates a payment completion message including a card name, a payment amount, a payment date, and a payment time, and transmits it to the transmitter 206.

The transmitter 208 transmits at least one of a card authentication message, an authorization failure message, and a settlement completion message to the user's cellular phone 2.

The authentication number input unit 210 is provided in the form of a key button outside the card reader 200. The authentication number input unit 210 transmits the corresponding authentication number to the authentication number receiving unit 212 when the user inputs the authentication number transmitted to the mobile phone 2.

The authentication number approval unit 212 checks whether the authentication number generated by the authentication number generation unit 204 and the authentication number transmitted from the authentication number input unit 210 match, and if so, approves payment to the payment processing unit 214. Transmit signal PAS. The authentication number approval unit 212 transmits an approval failure signal (AFS) to the control unit 206 when the authentication number does not match.

When the payment processing unit 214 receives the payment approval signal PAS, the payment processing unit 214 transmits authentication information necessary for card payment, such as a card number and an expiration date, to the card company 3 corresponding to the card. The payment processing unit 214 transmits a payment completion signal PFS to the control unit 206 when authentication is completed from the card company 3.

4 is a flowchart illustrating a payment system according to the present invention.

Referring to FIG. 4, first, a user is issued a card through a card company 3. Then, the card company 3 provides card information and user information on the card issued through the homepage. The user connects his electronic card 100 and the PC 1 via a USB cable. When the USB cable is connected, the controller 104 receives card information and user information from the PC 1 and stores the card information and user information in the memory 102 (step S1). When the user receives a new card, the user only needs to download the card information directly to his electronic card 100 through the PC 1, thereby saving time required for the card issuance.

Next, when the user selects a card to be paid out of a plurality of cards through the display unit 108 of the electronic card 100, the user interface 106 controls the payment selection signal SEL corresponding to the card. It passes to 104 (step S2). Next, the controller 104 extracts card information corresponding to the payment selection signal SEL from the memory 102 and transfers the card information and the user information to the RF signal transmitter 110. The RF signal transmitter 110 generates corresponding card information and user information as an RF signal RFS and transmits the generated card information and the user information to the electronic card reader 200 (step S3).

Then, the RF signal receiving unit 202 receives the RF signal (RFS), the authentication number generation unit 204 generates an authentication number. The control unit 206 generates a card authentication message when an authentication number is generated, and the transmission unit 206 transmits it to the user's mobile phone 2 (step S3).

The user inputs the authentication number transmitted to his mobile phone 2 to the card reader 200 through the authentication number input unit 210. The authentication number input through the authentication number input unit 210 is transmitted to the authentication number approval unit 212, the authentication number approval unit 212 is the authentication number and the authentication number generated by the authentication number generation unit 204 and It is determined whether or not they match (step S5).

As a result of the determination, when the authentication numbers coincide with each other, the authentication number approval unit 212 transmits the payment approval signal PAS to the payment processing unit 214. Then, the payment processing unit 214 transmits the authentication information required for card payment to the card company 3 corresponding to the card and requests payment verification (step S6). The payment processing unit 214 transmits a payment completion signal PFS to the control unit 206 when authentication is completed from the card company 3, and the control unit 206 generates a payment completion message. When the transmitting unit 206 transmits the settlement completion message to the user's mobile phone 2, the settlement processing is completed (step S7).

On the other hand, if the authentication number is inconsistent with each other as a result of the determination in step S5, the authentication number approval unit 212 transmits the approval failure signal (AFS) to the control unit 206. The controller 206 generates an approval failure message, and the transmitter 206 transmits the approval failure message to the user's mobile phone 2. At this time, if the user requests the approval again, the process proceeds again from step S4.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements of those skilled in the art using the basic concepts of the present invention defined in the following claims are also provided. It belongs to the scope of rights.

1 is an electronic payment system using an electronic card and an electronic card reader according to an embodiment of the present invention.

FIG. 2 is a detailed block diagram showing the electronic card 100 shown in FIG.

3 is a detailed block diagram showing the electronic card reader 200 shown in FIG.

4 is a flowchart illustrating a payment system according to the present invention.

Claims (9)

A memory in which card information and user information of a plurality of cards issued by a user are stored; An RF signal transmitter configured to generate the card information and the user information as an RF signal; A display unit including a card selection menu for selecting any one of the plurality of cards, an information confirmation menu for confirming the card information and the user information, and a download menu for receiving the card information; A user interface unit generating a payment selection signal corresponding to the card when the card selection menu is selected and generating an information request signal corresponding to the card when the information confirmation menu is selected; And A controller which extracts the card information and the user information from the memory according to the payment selection signal and transmits the card information and the user information to the RF signal transmitter, and transmits the card information and the user information to the display unit according to the information request signal. Electronic card comprising a. According to claim 1, And a data receiving port for receiving the card information and the user information through the user's PC. According to claim 1, The display unit is an electronic card of the touch screen method. The method of claim 3, The display unit further comprises a touch lock menu. According to claim 1, An electronic card further comprising a power supply for supplying driving power. An RF signal receiver configured to receive an RF signal including card information and user information from an electronic card; Authentication number generation unit for generating an authentication number when the RF signal is received; A controller configured to generate a card authentication message when the authentication number is generated, generate an authorization failure message when an authorization failure signal is received, and generate a settlement completion message when a settlement completion signal is received; A transmitter for transmitting at least one of the card authentication message, the authorization failure message, and the payment completion message to a user's mobile phone; An authentication number input unit for inputting the authentication number sent to the mobile phone; An authentication number approval unit for determining whether the authentication number input to the authentication number input unit and the authentication number generated by the authentication number generation unit match, and generating a payment approval signal when the authentication number is matched; And The payment processing unit transmits the authentication information to the card company in response to the payment approval signal, and generates the payment completion signal according to whether the authentication is completed from the card company. Electronic card reader comprising. The method according to claim 6, The certification number approval unit And an authentication failure signal to the controller when the authentication number input to the authentication number input unit and the authentication number generated by the authentication number generation unit do not match. An electronic card for storing card information and user information for each of a plurality of cards issued by a user, and generating the card information and the user information corresponding to a selected card among the plurality of cards as an RF signal; And Receives the RF signal, generates an authentication number for authenticating the electronic card and transmits it to the user's mobile phone, and if the authentication of the electronic card is approved, the electronic device completes the payment by authenticating the payment from the card company of the selected card Card reader Electronic payment system comprising a. The method of claim 8, The electronic card includes an IC chip, and is connected to the user's PC to store the card information and user information in the IC chip through a network.
KR1020090109972A 2009-11-13 2009-11-13 Elecric card, electric card reader, and electric account system using them KR20110053137A (en)

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Application Number Priority Date Filing Date Title
KR1020090109972A KR20110053137A (en) 2009-11-13 2009-11-13 Elecric card, electric card reader, and electric account system using them

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Application Number Priority Date Filing Date Title
KR1020090109972A KR20110053137A (en) 2009-11-13 2009-11-13 Elecric card, electric card reader, and electric account system using them

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2014030875A1 (en) * 2012-08-24 2014-02-27 Samsung Electronics Co., Ltd. Apparatus and method for providing interaction information by using image on device display

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2014030875A1 (en) * 2012-08-24 2014-02-27 Samsung Electronics Co., Ltd. Apparatus and method for providing interaction information by using image on device display
US10248948B2 (en) 2012-08-24 2019-04-02 Samsung Electronics Co., Ltd. Apparatus and method for providing interaction information by using image on device display
US10346831B1 (en) 2012-08-24 2019-07-09 Samsung Electronics Co., Ltd. Apparatus and method for providing interaction information by using image on device display
US10943227B2 (en) 2012-08-24 2021-03-09 Samsung Electronics Co., Ltd. Apparatus and method for providing interaction information by using image on device display
US11514429B2 (en) 2012-08-24 2022-11-29 Samsung Electronics Co., Ltd. Apparatus and method for providing interaction information by using image on device display
US11727387B2 (en) 2012-08-24 2023-08-15 Samsung Electronics Co., Ltd. Apparatus and method for providing interaction information by using image on device display

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