KR20130032016A - Card reading device and mobile card payment apparatus - Google Patents

Card reading device and mobile card payment apparatus Download PDF

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Publication number
KR20130032016A
KR20130032016A KR1020110095655A KR20110095655A KR20130032016A KR 20130032016 A KR20130032016 A KR 20130032016A KR 1020110095655 A KR1020110095655 A KR 1020110095655A KR 20110095655 A KR20110095655 A KR 20110095655A KR 20130032016 A KR20130032016 A KR 20130032016A
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card
audio
signal
information
frequency
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KR1020110095655A
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Korean (ko)
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이문철
김현승
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(주)에스티씨그룹
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Publication of KR20130032016A publication Critical patent/KR20130032016A/en

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    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3272—Short range or proximity payments by means of M-devices using an audio code
    • 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

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  • Engineering & Computer Science (AREA)
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  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Finance (AREA)
  • Telephonic Communication Services (AREA)
  • Telephone Function (AREA)

Abstract

PURPOSE: A card reading device and a mobile card payment device are provided to transmit card information to a mobile terminal through a reference audio plug, thereby processing card payment through the mobile terminal. CONSTITUTION: An audio card signal generation unit(12) of a card reading device(10) converts card information, which is read by a card reading unit(11), into an audio signal. A device control unit(14) of the card reading device controls the audio card signal generation unit so that a generated audio card signal is outputted through a reference audio plug(13). An audio card signal processing unit(52) of a mobile terminal(50) extracts the card information from the audio card signal inputted through a reference audio jack(51). A mobile control unit of the mobile terminal processes card payment by controlling a card payment processing unit(53) and a wireless communication unit(54). [Reference numerals] (11) Card reading unit; (12) Audio card signal generation unit; (13) Reference audio plug; (14) Device control unit; (51) Reference audio jack; (52) Audio card signal processing unit; (53) Card payment processing unit; (54) Wireless communication unit; (55) Mobile control unit;

Description

Card reading device and mobile card payment device using same {CARD READING DEVICE AND MOBILE CARD PAYMENT APPARATUS}

The present invention relates to a card reading device and a mobile card payment device using the same. More particularly, the present invention relates to a card reading device for transmitting card information to a mobile terminal such as a smartphone through a standard audio plug and a mobile card payment device using the same. will be.

In the modern society, credit cards are widely used as a means of replacing cash settlement, and tend to induce credit card settlement in all fields of society such as on-line and off-line stores, restaurants, hospitals and pharmacies.

Most of the credit card payments are made through offline merchants, but mobile payment services using mobile payment terminals have been performed in recent years.

However, in the past, mobile payment services have not been activated due to the initial cost burden and insufficient payment terminals. However, in recent years, the availability of available terminals has expanded and various services have been launched successfully. As a result, mobile payment has become a new core payment method due to the active infrastructure construction under the government initiative.

In addition, due to the introduction of NFC cards or RF cards using near field communication (NFC) technology or radio frequency (RF) technology, a new type of credit card that replaces the existing magnetic card has become popular, The foundation for enlargement is being established. For example, Korean Unexamined Patent Publication No. 2011-0084865, entitled " Method and apparatus for mobile ID card contact / non-contact communication using Mobile ID ", proposes a mobile payment system using local communication.

However, since the mobile payment terminal, which is an essential element for mobile payment service, is still being distributed only as a dedicated terminal, it must be purchased separately and the actual price is relatively high, which is an economic burden for the merchant who has to purchase the mobile payment terminal. In addition, even if a mobile payment terminal is distributed as a dedicated terminal, there is a portion that is relatively inconvenient due to its size.

Accordingly, the present invention has been made to solve the above problems, a card reading device that can transmit card information to a mobile terminal, such as a smart phone through a standard audio plug, card payment through the mobile terminal and using the same The purpose is to provide a mobile card payment device.

The object of the present invention is to provide a standard audio plug, a card reading unit for reading card information, an audio card signal generating unit for converting the card information into an audio signal to generate an audio card signal, and the audio card signal A card reading device having a device controller for controlling the audio card signal generator to be output through the standard audio plug; A standard audio jack into which the standard audio plug is inserted, an audio card signal processing unit for processing the audio card signal input through the standard audio jack, and extracting the card information recorded in the audio card signal, and performing card payment The card payment processing unit, the wireless communication unit performing wireless communication, and the card payment processing unit and the wireless communication unit to control the card payment processing unit based on the card information extracted by the audio card signal processing unit. It is achieved by a mobile card payment device, characterized in that it comprises a mobile terminal having a mobile control unit.

Here, the standard audio plug and the standard audio jack may be provided as a 4-pole standard audio standard capable of transmitting an audio signal from the card reading device to the mobile terminal.

The audio card signal generation unit comprises: a frequency conversion protocol defining a plurality of information elements for constituting card information and a frequency corresponding thereto; A frequency signal generator for generating a card information frequency signal by generating and combining a frequency corresponding to each information component of the card information read by the card reading unit according to the frequency conversion protocol; A pulse modulator for modulating the card information frequency signal into a pulse signal; And a DA converter configured to analog convert the pulse signal to generate the audio card signal.

In addition, the frequency conversion protocol may define a frequency range for each of the information elements.

Wherein the frequency conversion protocol comprises a start frequency range and an end frequency range; The frequency signal generator may generate the card information frequency signal by sequentially inserting frequencies corresponding to the respective information elements of the card information read by the card reading unit into the start frequency range and the end frequency range. have.

In addition, the frequency conversion protocol may define a preset key length for one information component.

The pulse modulator may generate the pulse signal through pulse width modulation.

The audio card signal processor may include an audio recorder configured to record an audio signal input through the standard audio jack; And a card information extracting unit extracting the audio card signal from the audio signal recorded by the audio recording unit and extracting the card information from the audio card signal according to the frequency conversion protocol.

And, the mobile terminal is provided in the form of a smartphone; The audio card signal processor and the card payment processor may be provided in the form of an application program installed in the smart phone.

The card reading unit may include at least one of a magnetic reading unit for reading a magnetic card and an RF reading unit for reading an RF card and an NFC card.

On the other hand, the above object is a card reading device connected to a mobile terminal having a standard audio jack to transmit card information to the mobile terminal, according to another embodiment of the present invention, and a standard audio plug connected to the standard audio jack; ; A card reading unit for reading card information; An audio card signal generator for converting the card information into an audio signal to generate an audio card signal; And a device controller for controlling the audio card signal generator to output the audio card signal to the mobile terminal through the standard audio plug.

The standard audio plug and the standard audio jack may be provided as a 4-pole standard audio standard capable of outputting an audio signal to the mobile terminal.

The audio card signal generation unit may further include: a frequency conversion protocol defining a plurality of information elements for constituting card information and a frequency corresponding thereto; A frequency signal generator for generating a card information frequency signal by generating and combining a frequency corresponding to each information component of the card information read by the card reading unit according to the frequency conversion protocol; A pulse modulator for modulating the card information frequency signal into a pulse signal; And a DA converter configured to analog convert the pulse signal to generate the audio card signal.

Here, the frequency conversion protocol may define a frequency range for each of the information elements.

The frequency conversion protocol includes a start frequency range and an end frequency range; The frequency signal generator may generate the card information frequency signal by sequentially inserting frequencies corresponding to the respective information elements of the card information read by the card reading unit into the start frequency range and the end frequency range. have.

In addition, the frequency conversion protocol may define a preset key length for one information component.

Here, the pulse modulator may generate the pulse signal through pulse width modulation.

The card reading unit may include at least one of a magnetic reading unit for reading a magnetic card, an RF reading unit for reading an RF card and an NFC card.

According to the present invention by the configuration as described above, by transmitting the card information to the mobile terminal, such as a smart phone through a standard audio plug, the card payment through the mobile terminal is carried out, while utilizing a mobile terminal such as a conventional smartphone By purchasing only a card reading terminal, an effect of using a mobile card payment service is provided.

In addition, the universal standard audio plug is applied to the card reading device without using the data communication ports of various mobile terminals manufactured by various communication port standards. It becomes widely applicable.

1 is a diagram illustrating a configuration of a card payment system to which a mobile payment system according to the present invention is applied.
2 and 3 is a view showing the configuration of a mobile payment system according to the present invention,
4 is a diagram illustrating an example of a configuration of a card reading device of a mobile payment system according to the present invention;
5 is a diagram showing an example of the configuration of a mobile terminal of a mobile payment system according to the present invention.

Hereinafter, with reference to the accompanying drawings will be described in detail the present invention.

1 is a diagram illustrating a configuration of a mobile card payment system to which a mobile payment system according to the present invention is applied. Referring to FIG. 1, the mobile card payment system may include a mobile card payment device 100, a mobile communication company 200, a VAN company 300, and a card company 400.

The mobile card payment apparatus 100 reads card information from a credit card such as a magnet card and processes a payment process using the read card information. Here, the mobile terminal 50 of the mobile card payment device 100 is connected to the VAN company 300 through a wireless communication network such as the mobile communication company 200, the card payment with the card company 400 through the VAN company 300 Proceed.

Here, the process of the card payment by the mobile card payment device 100 through the mobile carrier 200, VAN company 300, card company 400 is carried out through a known payment method, the details of the Description is omitted.

Meanwhile, the mobile card payment apparatus 100 according to the present invention includes a card reading device 10 and a mobile terminal 50 as shown in FIGS. 2 and 3. As shown in FIG. 3, the card reading device 10 includes a standard audio plug 13, an audio card signal generation unit 12, a card reading unit 11, and a device control unit 14.

The standard audio plug 13 is inserted into a standard audio jack 51 of the mobile terminal 50, which will be described later. Here, for example, the standard audio plug 13 and the standard audio jack 51 according to the present invention are provided as a 4-pole standard audio standard capable of transmitting an audio signal from a card reading vise to an audio terminal. In addition, the standard audio plug 13 and the standard audio jack 51 are of course applicable to the audio standard commonly used in the mobile terminal 50 such as a smartphone.

The card reading unit 11 reads card information from the credit card. As shown in FIG. 4, the card reading unit 11 according to the present invention includes a magnetic reading unit 11a for reading a magnetic card and an RF reading unit 11b for reading an RF card and an NFC card. can do.

The audio card signal generation unit 12 converts the card information read by the card reading unit 11 into an audio signal to generate an audio card signal. Referring to FIG. 4, the audio card signal generator 12 according to the present invention may include a frequency generation protocol, a frequency signal generator 12a, a pulse modulator 12c, and a DA converter 12d. .

The frequency conversion protocol 12b defines a plurality of information elements for composing card information and corresponding frequencies. Here, the plurality of information elements for constituting the card information may include a letter and a number from 0 to F, respectively, constituting the hexadecimal number in the case of the magnet card. In the case of the RF card or NFC card may be composed of a number of characters for the transmission of card information.

Here, the frequency conversion protocol 12b is an example of defining a frequency for each information component in a frequency range. Table 1 shows an example in which the hexadecimal number is defined as the frequency range in the frequency conversion protocol 12b according to the present invention.

[Table 1]

Figure pat00001

In Table 1, '*' and '#' are characters representing the start frequency range and the end frequency range, respectively, which will be described later.

The frequency signal generation unit 12a generates and combines a frequency corresponding to each information element of the card information read by the card reading unit 11, that is, a frequency range according to the frequency conversion protocol 12b, thereby combining the card information frequency signal. Create

Here, the frequency signal generator 12a sequentially inserts a frequency range corresponding to each information component of the card information read by the card reading unit 11 into the start frequency range and the end frequency range, thereby inserting the card information frequency signal. Create

More specifically, the frequency signal generator 12a analyzes each card component of the card information read by the card reading unit 11, and starts the range of the first card component of the card information starting from the start frequency range. The sequential combination of the starting frequency ranges generates a card information frequency signal having a series of waveforms formed of the last ending frequency range.

At this time, the frequency conversion protocol 12b defines a preset key length for one information component, thereby causing an error that may occur when the mobile terminal 50 extracts card information according to the frequency conversion protocol 12b. To minimize, the description thereof will be described later.

Through the above process, the card information frequency signal generated by the frequency signal generator 12a is modulated into a pulse signal. In the present invention, the pulse modulator 12c generates a pulse signal through pulse width modulation. Then, the DA converter 12d converts the pulse signal into an analog card and outputs the audio card signal, and the device controller 14 outputs the generated audio card signal to the mobile terminal 50 through the standard audio plug 13.

According to the above configuration, the card information of the credit card such as the magnetic card is converted into an audio signal form and can be transmitted to the mobile terminal 50.

Meanwhile, as illustrated in FIGS. 3 and 5, the mobile terminal 50 according to the present invention includes a standard audio jack 51, an audio card signal processor 52, a card payment processor 53, and a wireless communication unit 54. ) And the mobile controller 55.

The standard audio jack 51 is inserted with a standard audio plug 13 of the card reading device 10 to receive an audio card signal from the card reading device 10. Then, the audio card signal processor 52 processes the audio card signal input through the standard audio jack 51 to extract card information recorded in the audio card signal.

Here, the audio card signal processor 52 according to the present invention may include an audio recorder 52a, a card signal extractor 52b, and an AD converter 52c as shown in FIG. The audio recording unit 52a records an audio signal input through the standard audio jack 51.

Then, the card information extracting unit extracts the audio card signal from the audio signal recorded by the audio recording unit 52a, and extracts the card information from the audio card signal according to the frequency conversion protocol 12b described above.

More specifically, the tone of the audio signal received through the standard audio jack 51 is divided into the key length of the frequency conversion protocol 12b, and the frequency value of the tone at the start time and the frequency value of the highest tone are used. Is made into a spectrum and the start frequency range and end frequency range described above are extracted.

The card information extracting unit detects the frequency range in units of key lengths within the start frequency range and the end frequency range, and extracts the information component of the corresponding frequency range according to the frequency conversion protocol 12b. The card information transmitted from 10) is extracted.

As described above, the frequency conversion protocol 12b according to the present invention generates and extracts card information by mixing a frequency range and a key length, thereby minimizing a detection error due to noise or the like.

On the other hand, the card payment processing unit 53 performs the card payment, the wireless communication unit 54 performs wireless communication, the mobile control unit 55 is based on the card information extracted by the audio card signal processing unit 52 card The payment processing unit 53 controls the card payment processing unit 53 and the wireless communication unit 54 to perform card payment. Here, the functions of the card payment processing unit 53 and the wireless communication unit 54 correspond to the functions of the existing mobile payment system, and thus detailed description thereof will be omitted.

Here, when the mobile terminal 50 according to the present invention is provided in the form of a smartphone, the mobile controller 55 may be configured of an operating system (OS) and a mobile central processing unit (CPU) of the smartphone. . In addition, as shown in Figure 5, when the audio card signal processing unit 52 and the card payment processing unit 53 is provided in the form of an application program 30 that operates based on the operating system of the smartphone, the existing smart phone The mobile payment system according to the present invention can be applied to a smartphone without changing the hardware configuration.

Although several embodiments of the present invention have been shown and described, those skilled in the art will appreciate that various modifications may be made without departing from the principles and spirit of the invention . It is intended that the scope of the invention be defined by the claims appended hereto and their equivalents.

10: card reading device 11: card reading unit
12: audio card signal generator 13: standard audio plug
14: device controller 50: mobile terminal
51: standard audio jack 52: audio card signal processor
53: card payment processing unit 54: wireless communication unit
55: mobile control unit

Claims (18)

A standard audio plug, a card reading unit reading card information, an audio card signal generating unit converting the card information into an audio signal to generate an audio card signal, and outputting the audio card signal through the standard audio plug. A card reading device having a device control section for controlling the audio card signal generation section;
A standard audio jack into which the standard audio plug is inserted, an audio card signal processing unit for processing the audio card signal input through the standard audio jack, and extracting the card information recorded in the audio card signal, and performing card payment The card payment processing unit, the wireless communication unit performing wireless communication, and the card payment processing unit and the wireless communication unit to control the card payment processing unit based on the card information extracted by the audio card signal processing unit. Mobile card payment device comprising a mobile terminal having a mobile control unit. The method of claim 1,
And the standard audio plug and the standard audio jack are provided in a 4-pole standard audio standard capable of transmitting audio signals from the card reading device to the mobile terminal. The method of claim 2,
The audio card signal generator,
A frequency conversion protocol defining a plurality of information elements for composing card information and a frequency corresponding thereto;
A frequency signal generator for generating a card information frequency signal by generating and combining a frequency corresponding to each information component of the card information read by the card reading unit according to the frequency conversion protocol;
A pulse modulator for modulating the card information frequency signal into a pulse signal;
And a DA converter for analog-converting the pulse signal to generate the audio card signal. The method of claim 3,
And the frequency conversion protocol defines a frequency range for each of the information components. 5. The method of claim 4,
The frequency conversion protocol includes a start frequency range and an end frequency range;
And generating the card information frequency signal by sequentially inserting frequencies corresponding to the respective information elements of the card information read by the card reading unit into the start frequency range and the end frequency range. Mobile card payment device characterized in that. The method of claim 5,
The frequency conversion protocol is a mobile card payment device, characterized in that for defining a predetermined key length for one information component. The method of claim 3,
And the pulse modulator generates the pulse signal through pulse width modulation. The method of claim 3,
The audio card signal processor,
An audio recording unit for recording an audio signal input through the standard audio jack;
And a card information extracting unit extracting the audio card signal from the audio signal recorded by the audio recording unit and extracting the card information from the audio card signal according to the frequency conversion protocol. . 9. The method of claim 8,
The mobile terminal is provided in the form of a smartphone;
The audio card signal processing unit and the card payment processing unit is a mobile card payment device, characterized in that provided in the form of an application program installed in the smart phone. 10. The method according to any one of claims 1 to 9,
The card reading unit may include at least one of a magnetic reading unit for reading a magnetic card, an RF reading unit for reading a RF card and an NFC card. A card reading device connected to a mobile terminal having a standard audio jack and transmitting card information to the mobile terminal,
A standard audio plug connected to the standard audio jack;
A card reading unit for reading card information;
An audio card signal generator for converting the card information into an audio signal to generate an audio card signal;
And a device controller for controlling the audio card signal generator to output the audio card signal to the mobile terminal through the standard audio plug. The method of claim 11,
And the standard audio plug and the standard audio jack are provided in a 4-pole standard audio standard capable of outputting an audio signal to the mobile terminal. The method of claim 12,
The audio card signal generator,
A frequency conversion protocol defining a plurality of information elements for composing card information and a frequency corresponding thereto;
A frequency signal generator for generating a card information frequency signal by generating and combining a frequency corresponding to each information component of the card information read by the card reading unit according to the frequency conversion protocol;
A pulse modulator for modulating the card information frequency signal into a pulse signal;
And a DA converter for analog-converting the pulse signal to generate the audio card signal. The method of claim 13,
And the frequency conversion protocol defines a frequency range for each of the information components. 15. The method of claim 14,
The frequency conversion protocol includes a start frequency range and an end frequency range;
And generating the card information frequency signal by sequentially inserting frequencies corresponding to the respective information elements of the card information read by the card reading unit into the start frequency range and the end frequency range. And a card reading device. 16. The method of claim 15,
And the frequency conversion protocol defines a predetermined key length for one information component. The method of claim 13,
And the pulse modulator generates the pulse signal through pulse width modulation. The method according to any one of claims 11 to 17,
The card reading unit may include at least one of a magnetic reading unit for reading a magnetic card and an RF reading unit for reading an RF card and an NFC card.
KR1020110095655A 2011-09-22 2011-09-22 Card reading device and mobile card payment apparatus KR20130032016A (en)

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101594414B1 (en) * 2015-10-05 2016-02-16 페이몬㈜ Mobile card reader and paying method using the same
WO2016195444A1 (en) * 2015-06-05 2016-12-08 주식회사 비주얼샤워 Card reader case

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2016195444A1 (en) * 2015-06-05 2016-12-08 주식회사 비주얼샤워 Card reader case
KR101594414B1 (en) * 2015-10-05 2016-02-16 페이몬㈜ Mobile card reader and paying method using the same

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