KR20150063704A - Card reader for mobile terminal and credit card payment method and system by card reader for mobile terminal - Google Patents

Card reader for mobile terminal and credit card payment method and system by card reader for mobile terminal Download PDF

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Publication number
KR20150063704A
KR20150063704A KR1020130148387A KR20130148387A KR20150063704A KR 20150063704 A KR20150063704 A KR 20150063704A KR 1020130148387 A KR1020130148387 A KR 1020130148387A KR 20130148387 A KR20130148387 A KR 20130148387A KR 20150063704 A KR20150063704 A KR 20150063704A
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KR
South Korea
Prior art keywords
credit card
portable terminal
card
card reader
data
Prior art date
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KR1020130148387A
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Korean (ko)
Inventor
곽세훈
Original Assignee
주식회사 애니카드
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Priority to KR1020130148387A priority Critical patent/KR20150063704A/en
Publication of KR20150063704A publication Critical patent/KR20150063704A/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
    • G06Q20/30—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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention relates to a card reader for a portable terminal, a card payment method using the card reader, and a card payment system using the card reader. According to the present invention, the card payment system using the card reader comprises: a portable terminal; a card reader to transmit credit card data through a USB port by encrypting the credit card data after receiving the credit card data from a credit card; and a credit card payment server to receive the encrypted credit card data from the portable terminal and to execute payment of the credit card by decrypting the encrypted credit card data.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a card payment method and system using a card reader for a portable terminal and a card reader for a portable terminal.

An embodiment of the present invention relates to a card payment method and system using a card reader for a portable terminal and a card reader for a portable terminal.

As the spread of credit cards becomes more common, transactions using credit cards are increasing more recently than cash.

A credit card is a means by which a member who enters into a contract with a credit card issuer can buy a product or service at a member retail store without paying cash by presenting the credit card issued by the issuing company and signing the slip.

Since the money is automatically transferred from the member's deposit account to the merchant account after a certain period of sales through the issuing company's bank, the member can make a deposit until the payment is made.

In this way, the user can conveniently use various transactions using a credit card.

However, a credit card reader capable of reading information on a credit card is used for payment using a credit card.

When a user purchases a product or service, the credit card reader reads the information of the credit card and sends the information of the credit card to the credit card company server for payment. The credit card company server checks the credit card information, To the credit card reader.

However, there has been a problem in that it is difficult to settle a credit card using a dedicated credit card reader that can settle a credit card, and when a credit card payment is executed using a mobile terminal such as a smart phone, There is a high risk that information of a credit card is leaked through the network.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to enable a credit card settlement more conveniently at a place where a portable terminal is used through a portable terminal.

According to the present invention, the card reader encrypts the credit card data, transmits the encrypted credit card data to the portable terminal using the USB terminal, provides the encrypted credit card data to the credit card payment server, The credit card payment is made only when the payment server decrypts the credit card data so that the credit card information leakage or the financial transaction accident does not occur through the portable terminal, thereby providing a more secure payment means.

A card settlement system using a card reader for a portable terminal according to an embodiment of the present invention for solving the above-mentioned problems includes a portable terminal; A card reader for receiving credit card data from a credit card, transmitting the encrypted credit card data to the portable terminal through a USB terminal; And a credit card payment server for receiving the encrypted credit card data from the mobile terminal and decrypting the encrypted credit card data to execute settlement of the credit card.

According to another embodiment of the present invention, the mobile terminal can transmit the encrypted credit card data to the credit card payment server when receiving the credit card settlement command through the credit card payment application.

According to another embodiment of the present invention, the portable terminal can receive a credit card password or signature data of a user through the credit card payment application.

According to another embodiment of the present invention, the credit card payment server includes a decryption unit for decrypting the encrypted credit card data; And a payment approval management unit for referring to the database using the decrypted credit card data to determine whether the credit card is to be settled.

According to another embodiment of the present invention, the credit card payment server provides the payment result of the credit card to the portable terminal, and the portable terminal can display the payment result of the credit card in the credit card payment application .

According to another embodiment of the present invention, the portable terminal is a smart phone capable of wireless communication, and can install and execute a credit card payment application.

According to another embodiment of the present invention, when the portable terminal receives the operation signal of the card reader from the card reader, it can execute the credit card payment application.

According to another embodiment of the present invention, the credit card may be a magnetic credit card.

A card payment method using a card reader for a portable terminal according to an embodiment of the present invention includes a first step of a card reader receiving credit card data from a credit card; A second step of the card reader encrypting the credit card data and transmitting it to the portable terminal through the USB terminal; A third step of the portable terminal transmitting the encrypted credit card data to a card payment server; And a fourth step of the credit card payment server receiving and decrypting the encrypted credit card data to execute settlement of the credit card.

According to another embodiment of the present invention, in the third step, when the portable terminal receives the credit card payment command through the credit card payment application, it can transmit the encrypted credit card data to the credit card payment server.

According to another embodiment of the present invention, in the third step, the portable terminal can receive a credit card password or signature data of a user through the credit card payment application.

According to another embodiment of the present invention, the fourth step includes: the credit card payment server decrypting the encrypted credit card data; And a step of the credit card settlement server determining whether the credit card is to be settled by referring to the database using the decrypted credit card data.

According to another embodiment of the present invention, after the fourth step, the credit card payment server provides the settlement result of the credit card to the portable terminal; And displaying the settlement result of the credit card in the credit card settlement application by the portable terminal.

According to another embodiment of the present invention, before the first step, the portable terminal installs a credit card payment application. And executing the payment application by the portable terminal.

According to another embodiment of the present invention, the step of the portable terminal executing the payment application may execute the credit card payment application when the mobile terminal receives the operation signal of the card reader from the card reader.

The card reader for a portable terminal according to the present embodiment includes a card reader unit for receiving credit card data from a credit card; An encryption unit for encrypting data; A card reader control unit for controlling the encryption unit to encrypt the credit card data received by the card reader unit; And a USB terminal unit connected to the portable terminal and transmitting the encrypted credit card data to the portable terminal.

According to another embodiment of the present invention, the card reader control unit may transmit an execution signal of a credit card payment application installed in the portable terminal to the portable terminal.

According to another embodiment of the present invention, the card reader control unit may transmit the encrypted credit card data to the portable terminal after the credit card payment application is executed on the portable terminal.

According to another embodiment of the present invention, there is further provided a housing for accommodating the card reader unit, the encryption unit, and the card reader control unit.

According to another embodiment of the present invention, the housing may further include a slot into which the credit card is inserted.

According to another embodiment of the present invention, the card reader unit may further include a read head for contacting the magnetic credit card and reading the credit card data.

According to another embodiment of the present invention, the slot can guide the contact between the credit card and the read head.

According to another embodiment of the present invention, the housing may further include a USB terminal housing part for housing the USB terminal part on the outside of the housing.

According to another embodiment of the present invention, a power supply circuit unit receiving power from the portable terminal through the USB terminal unit and providing the power as an operating power for the card reader for the portable terminal may be further included.

According to another embodiment of the present invention, the credit card data may include a card number of the credit card.

According to another embodiment of the present invention, the credit card may be a magnetic credit card.

According to the embodiment of the present invention, credit card settlement can be more conveniently performed anywhere on the place where the portable terminal is used through the portable terminal.

According to the embodiment of the present invention, the card reader encrypts the credit card data, transmits the encrypted credit card data to the portable terminal using the USB terminal, and provides the encrypted credit card data to the credit card payment server Thus, the credit card payment is made only when the credit card payment server decrypts the credit card data, thereby preventing the leakage of the credit card information or the financial transaction accident through the portable terminal. Thus, .

1 is a configuration diagram of a card settlement system using a card reader for a portable terminal according to an embodiment of the present invention.
FIG. 2 illustrates a credit card payment server according to an embodiment of the present invention. Referring to FIG.
3 is a configuration diagram of a card reader for a portable terminal according to an embodiment of the present invention.
4 is an external view of a card reader for a portable terminal according to an embodiment of the present invention.
5 to 12 are views for explaining a card settlement method using a card reader for a portable terminal according to an embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description, well-known functions or constructions are not described in detail to avoid unnecessarily obscuring the subject matter of the present invention. In addition, the size of each component in the drawings may be exaggerated for the sake of explanation and does not mean a size actually applied.

1 is a configuration diagram of a card settlement system using a card reader for a portable terminal according to an embodiment of the present invention.

Referring to FIG. 1, a card settlement system using a card reader for a portable terminal according to an embodiment of the present invention will be described.

1, a card payment system using a card reader for a portable terminal according to an embodiment of the present invention includes a card reader 110, a portable terminal 120, and a credit card payment server 130 .

The card reader 110 receives the credit card data from the credit card, encrypts it, and transmits the encrypted data to the portable terminal 120 via the USB terminal.

At this time, the credit card is a magnetic credit card, and the credit card data is information including a card number of the credit card, and may include payment information using a credit card in addition to the card number.

In more detail, the card reader 110 is configured to include a read head, and can read credit card data from the credit card in contact with the magnetic credit card, And transmits the credit card data to the portable terminal 120 through the USB port of the portable terminal 120.

Meanwhile, the portable terminal 120 according to an embodiment of the present invention is a terminal such as a smart phone, a mobile phone, and a PDA capable of accessing the Internet via wireless communication, It is possible terminal.

According to an embodiment of the present invention, the card reader 110 encrypts credit card data and transmits the encrypted credit card data to the portable terminal 120. The credit card data may include a card number of a credit card.

Accordingly, when storing credit card data in a mobile terminal, credit card data may be leaked to the outside when a problem such as hacking occurs. However, according to an embodiment of the present invention, There is no problem that information of a credit card is leaked through the portable terminal 120 by encryption.

According to an embodiment of the present invention, the credit card data encrypted by the card reader 110 is transmitted to the credit card payment server 130, and the credit card data is decrypted by the credit card payment server 130 The problem of settlement accidents and leakage of personal information does not occur due to leakage of information through credit card data.

At the time of settlement of the credit card, after the user executes the credit card settlement application for credit card settlement, the card reader 110 according to the embodiment of the present invention reads the credit card so that the credit card settlement is performed The card reader 110 determines whether a credit card payment application has been executed on the portable terminal 120. When the credit card payment application is executed on the portable terminal 120, ) To transmit the encrypted credit card data.

In another embodiment of the present invention, as soon as the card reader 110 reads a credit card, the card reader 110 transmits an execution signal of a credit card payment application to the portable terminal 120, May be configured to execute a credit card payment application.

FIG. 2 illustrates a credit card payment server according to an embodiment of the present invention. Referring to FIG.

The configuration of a credit card payment server according to an embodiment of the present invention will be described with reference to FIG.

As shown in FIG. 2, the credit card payment server 130 according to an embodiment of the present invention includes a decryption unit 131 and a payment approval management unit 132.

The credit card payment server 130 receives the encrypted credit card data from the portable terminal, decrypts the encrypted credit card data, and executes settlement of the credit card.

More specifically, the decryption unit 131 of the credit card payment server 130 decrypts the encrypted credit card data, and the payment approval management unit 132 reads the database 133 using the decrypted credit card data It is possible to determine whether or not the credit card is charged.

The credit card payment server 130 provides the settlement result of the credit card to the portable terminal 120 so that the portable terminal 120 can display the payment result of the credit card in the credit card payment application.

3 is a diagram illustrating a card reader for a portable terminal according to an embodiment of the present invention.

A card reader for a portable terminal according to an embodiment of the present invention will be described with reference to FIG.

3, the card reader 110 for a mobile terminal according to an exemplary embodiment of the present invention includes a card reader unit 111, an encryption unit 112, a card reader control unit 113, a USB terminal unit 114, And a power supply circuit unit 115.

The card reader unit 111 receives credit card data from the credit card 101.

The credit card 101 is a magnetic credit card, and the credit card data is information including a card number of the credit card, and may include payment information using a credit card in addition to the card number.

The card reader unit 111 can read the credit card data by contacting the magnetic credit card including the read head.

The encryption unit 112 encrypts the credit card data and the card reader control unit 113 controls the encryption unit 112 to encrypt the credit card data received by the card reader unit 111. [

That is, according to an embodiment of the present invention, the encryption unit 112 encrypts the credit card data and transmits the encrypted credit card data to the portable terminal under the control of the card reader control unit 113.

At this time, the credit card data may include a credit card number.

Accordingly, when storing credit card data in a portable terminal, credit card data may be leaked to the outside when a problem such as hacking occurs. However, according to an embodiment of the present invention, There is no problem that information of the credit card is leaked through the portable terminal by encrypting the card data.

In more detail, the credit card data encrypted in the card reader 110 for a mobile terminal according to an embodiment of the present invention is transmitted to a credit card payment server, and the credit card data The problem of settlement accidents or leakage of personal information does not occur due to leakage of information through credit card data.

The USB terminal 114 is connected to the USB terminal of the portable terminal 120 and transmits the encrypted credit card data to the portable terminal 120.

Accordingly, the portable terminal 120 receives the encrypted credit card data from the card reader 110 for the portable terminal, and transmits the encrypted credit card data to the credit card payment server via the network.

The power supply circuit 115 may receive power from the portable terminal 120 through the USB terminal 114 and provide power to the card reader 110 for the portable terminal.

On the other hand, the mobile terminal 120 may be provided with a credit card payment application.

The mobile terminal 120 according to an exemplary embodiment of the present invention is a terminal such as a smart phone, a mobile phone, a PDA, or the like capable of accessing the Internet via wireless communication, .

The credit card payment can be made by allowing the card reader 110 for the portable terminal according to the embodiment of the present invention to read the credit card after the user executes the credit card payment application for credit card payment, The card reader control unit 113 determines whether the credit card payment application is executed on the portable terminal 120. When the credit card payment application is executed on the portable terminal 120, As shown in FIG.

Alternatively, as soon as the card reader 110 for the mobile terminal reads the credit card, the card reader control unit 113 causes the card reader control unit 113 to execute the credit card payment application of the portable terminal 120, To the mobile terminal (120).

4 is an external view of a card reader for a portable terminal according to an embodiment of the present invention.

The structure of the external appearance of a card reader for a portable terminal according to an embodiment of the present invention will be described with reference to FIG.

As shown in FIG. 4, according to an embodiment of the present invention, a housing 116 accommodating a card reader unit 111, an encryption unit 112, a card reader control unit 140, and a power supply circuit unit 115 is included .

The housing 116 is provided with a slot 117 into which a credit card is inserted so that it can guide the contact between the credit card and the read head of the card reader unit and the user can insert a credit card into the slot 117, So that the card reader 110 for the portable terminal can read the data of the credit card.

In addition, the housing 116 is provided with a USB terminal accommodating portion for accommodating the USB terminal portion 114, so that the user can conveniently arrange the USB terminal portion 114.

5 to 12 are views for explaining a card settlement method using a card reader for a portable terminal according to an embodiment of the present invention.

Hereinafter, a card settlement method using a card reader for a portable terminal according to an embodiment of the present invention will be described with reference to FIG. 5 to FIG.

5 and 6, after the user executes the credit card payment application on the portable terminal 120 and confirms the purchase details 401 for purchase, the slot of the card reader 110 for the portable terminal The credit card is inserted into the credit card 117 and recognized.

At this time, when the credit card 101 is inserted into the slot 117 of the card reader 110, the read head of the card reader 110 contacts the magnetic region of the credit card to read the data of the credit card 10, And encrypts the data of the credit card 101.

The card reader 110 transmits the encrypted credit card data to the portable terminal 120 through the USB terminal 114 and the portable terminal 120 transmits the encrypted data to the credit card payment server 130 via the network The credit card payment server 130 decrypts the encrypted credit card data, and payment is made through the decrypted credit card data.

At this time, the portable terminal 120 may be configured to transmit the encrypted credit card data to the credit card payment server 130 upon receiving a credit card settlement command through the credit card payment application.

7, when the user inputs a payment password 502 using the keypad 501 in the credit card application, the credit card payment server 130 transmits the encrypted credit Credit card settlement can be approved only when the card data matches the billing password stored in the database and the user's electronic signature is entered in the credit payment electronic signature field 601 as shown in FIG. It can also be used to pay for credit cards.

After the credit card payment is made in the credit card payment server 130, the payment result of the credit card can be provided to the portable terminal 120 as shown in FIGS. 9 and 10, The payment result of the credit card can be displayed on the credit card payment application.

Also, as shown in FIG. 11, the portable terminal 120 can provide a credit card management function for setting a credit card information inquiry and a payment card in a credit card payment application.

In addition, as shown in FIG. 12, the portable terminal 120 can provide an interface capable of managing history details in the form of a household account for each credit card currently in use in an application.

Therefore, according to the present invention, it is possible to settle the credit card more conveniently anywhere on the place where the portable terminal is used through the portable terminal.

According to the present invention, the credit card data is encrypted in the card reader, the encrypted credit card data is provided to the credit card payment server through the portable terminal, and only when the credit card payment server decrypts the credit card data, It is possible to prevent the outflow of information of a credit card or the occurrence of a financial transaction accident through the portable terminal, thereby providing a payment means with improved security.

In the foregoing detailed description of the present invention, specific examples have been described. However, various modifications are possible within the scope of the present invention. The technical spirit of the present invention should not be limited to the above-described embodiments of the present invention, but should be determined by the claims and equivalents thereof.

101: Credit card
110: card reader
111: Card reader unit
112:
113: Card reader controller
114: USB terminal
115: Power supply circuit
116: Housing
117: Slot
120:
130: Credit card payment server
131: decryption unit
132: Payment approval management unit
133: Database

Claims (26)

A portable terminal;
A card reader for receiving credit card data from a credit card, transmitting the encrypted credit card data to the portable terminal through a USB terminal;
A credit card payment server for receiving the encrypted credit card data from the portable terminal, decrypting the encrypted credit card data and executing settlement of the credit card;
And a card reader for carrying the card. The method according to claim 1,
The mobile terminal includes:
And transmits the encrypted credit card data to the credit card payment server when the credit card payment command is inputted through the credit card payment application. The method of claim 2,
The mobile terminal includes:
And a card reader for a mobile terminal that receives a credit card password or signature data of a user through the credit card payment application. The method according to claim 1,
The credit card payment server,
A decryption unit for decrypting the encrypted credit card data;
A payment approval management unit for referring to the database using the decrypted credit card data to determine whether the credit card is to be settled;
And a card reader for carrying the card. The method of claim 4,
The credit card payment server,
Providing a settlement result of the credit card to the mobile terminal,
The mobile terminal includes:
And displaying the payment result of the credit card in the credit card payment application. The method according to claim 1,
The mobile terminal includes:
A smart phone capable of wireless communication,
A card payment system using a card reader for a portable terminal to install and execute a credit card payment application. The method of claim 6,
The mobile terminal includes:
And a card reader for a portable terminal that executes a credit card payment application upon receiving an operation signal of the card reader from the card reader. The method according to claim 1,
The credit card,
A card payment system using a card reader for a portable terminal which is a magnetic credit card. A first step of the card reader receiving credit card data from a credit card;
A second step of the card reader encrypting the credit card data and transmitting it to the portable terminal through the USB terminal;
A third step of the portable terminal transmitting the encrypted credit card data to a card payment server;
A fourth step of the credit card payment server receiving and decrypting the encrypted credit card data to execute settlement of the credit card;
And a card reader for a portable terminal. The method of claim 9,
In the third step,
And transmitting the encrypted credit card data to the credit card payment server when the portable terminal receives the credit card payment command through the credit card payment application. The method of claim 10,
In the third step,
Wherein the portable terminal receives the credit card password or the signature data of the user through the credit card payment application. The method of claim 9,
In the fourth step,
Decrypting the encrypted credit card data by the credit card payment server;
Determining whether the credit card is to be charged by the credit card payment server with reference to a database using the decrypted credit card data;
And a card reader for a portable terminal. The method of claim 12,
After the fourth step,
Providing the payment result of the credit card to the portable terminal by the credit card payment server;
Displaying the settlement result of the credit card in the credit card payment application by the portable terminal;
And a card reader for a portable terminal. The method of claim 9,
Prior to the first step,
Installing the credit card payment application in the portable terminal;
Executing the payment application by the portable terminal;
And a card reader for carrying the card. 15. The method of claim 14,
Wherein the step of the portable terminal executing the payment application comprises:
And a card reader for a portable terminal that executes a credit card payment application when the mobile terminal receives an operation signal of the card reader from the card reader. A card reader unit for receiving credit card data from a credit card;
An encryption unit for encrypting data;
A card reader control unit for controlling the encryption unit to encrypt the credit card data received by the card reader unit;
A USB terminal connected to the portable terminal for transmitting the encrypted credit card data to the portable terminal;
And a card reader for a portable terminal. 18. The method of claim 16,
The card reader control unit,
And transmits an execution signal of a credit card payment application installed in the portable terminal to the portable terminal. 18. The method of claim 16,
The card reader control unit,
And transmits the encrypted credit card data to the portable terminal after the credit card payment application is executed on the portable terminal. 18. The method of claim 16,
A housing for housing the card reader unit, the encryption unit, and the card reader control unit;
Further comprising: a card reader for a portable terminal. The method of claim 19,
The housing includes:
A slot into which the credit card is inserted;
Further comprising: a card reader for a portable terminal. The method of claim 20,
The card reader unit includes:
A read head in contact with the magnetic credit card to read the credit card data;
Further comprising: a card reader for a portable terminal. 23. The method of claim 21,
The slot
And a card reader for guiding contact between the credit card and the read head. The method of claim 19,
The housing includes:
A USB terminal housing part for housing the USB terminal part outside the housing;
Further comprising: a card reader for a portable terminal. 18. The method of claim 16,
A power supply circuit unit receiving power from the portable terminal through the USB terminal unit and providing the power as operating power for the card reader for the portable terminal;
Further comprising: a card reader for a portable terminal. 18. The method of claim 16,
The credit card data includes:
And a card number of the credit card. 18. The method of claim 16,
The credit card,
A card reader for a mobile terminal that is a magnetic credit card.
KR1020130148387A 2013-12-02 2013-12-02 Card reader for mobile terminal and credit card payment method and system by card reader for mobile terminal KR20150063704A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
KR1020130148387A KR20150063704A (en) 2013-12-02 2013-12-02 Card reader for mobile terminal and credit card payment method and system by card reader for mobile terminal

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020130148387A KR20150063704A (en) 2013-12-02 2013-12-02 Card reader for mobile terminal and credit card payment method and system by card reader for mobile terminal

Publications (1)

Publication Number Publication Date
KR20150063704A true KR20150063704A (en) 2015-06-10

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