KR20160099068A - Method for Processing Adaptive Payment by using Integrated Circuit Card - Google Patents

Abstract

According to the present invention, a method for processing an adaptive payment using an integrated circuit (IC) card is performed by a payment terminal of a member store which has an IC reader and can be multi-linked to a value added network (VAN) and a financial common network, reads at least one signal including an ATR signal replied from an IC chip of the IC card after applying an RST (ReSeT) signal to the IC chip via the IC reader to determine whether a credit IC card is interfaced with the IC reader, whether a cash IC card is interfaced with the IC reader, and whether a check IC card is interfaced with the IC reader, automatically sets the VAN as a payment network if the credit IC card is interfaced with the IC reader, automatically sets the financial common network as a payment network if the cash IC card is interfaced with the IC reader, displays an interface screen for selecting any one payment network among the VAN and the financial common network if the check IC card is interfaced with the IC reader, and sets the payment network selected using the interface screen as a payment network for performing a payment process of the check IC card.

Description

[0001] The present invention relates to an adaptive payment processing method using an IC card,

The present invention provides a method for executing a payment terminal of an affiliate shop having an integrated circuit (IC) reader and a VAN (Value Added Network) and a financial joint network, the method comprising the steps of: After the RST (ReSeT) signal is applied, at least one signal including an ATR signal responded from the IC chip is read to determine whether the IC card is interfaced with a credit IC card or not And automatically setting the VAN as a payment network when the IC card is interfaced with the IC reader, and automatically setting the financial common network as a payment network when the IC card is interfaced with the IC reader, When the reader IC card is interfaced with the reader, an interface screen for selecting one of the VAN and the financial joint network And setting the selected payment network as a payment network for performing the payment procedure of the check IC card through the interface screen.

IC card is a microprocessor and memory card that can store and process information in the card, minimizing the risk of forgery and modification of existing MS card and providing various services. This IC card is a CPU intelligent card that can store and process information in a card with a built-in microprocessor, memory, OS and security algorithm on a plastic card of the same size and thickness as a credit card. It is possible to perform various additional functions requiring superior information storage and improve security problems, and thus it is widely used in various forms such as a credit card, a cash card, and a check card.

As IC cards become more and more common, terminals used at merchants have developed into a form capable of accommodating IC cards. Generally, when payment is made by contacting an IC card to such a terminal, the payment means information stored in the IC card is transmitted to the financial institution via the payment network via the terminal.

On the other hand, when the IC card is a credit IC card or a check IC card, the VAN is used as a payment network. If the IC card is a cash IC card, the financial common network is used as a payment network. Accordingly, the terminal operator has a troublesome operation to operate the terminal.

For example, in general, a terminal is set to use a VAN. If the user's card is a cash IC card, the terminal operator must operate the terminal to reconfigure to use the financial co-network.

When the user's card is a check IC card, the terminal is generally set to use the VAN. In the case of the check IC card, since both the VAN and the financial joint network can be used, a more economical payment network May be much more advantageous.

As a result, the conventional terminal is inconvenient to use the payment network determined according to whether the IC card is a credit IC card, a cash IC card or a check IC card, or to change the payment network by the terminal operator, There were many cases in which the type of the IC card to be used was not recognized or was hacked.

Therefore, it is necessary to make it possible to more easily select an appropriate and effective payment network through the terminal even if it is difficult for the terminal operator or the user to recognize or recognize the IC card of the user as a credit IC card, a cash IC card or a check IC card .

An object of the present invention is to provide a method for executing in a payment terminal of an affiliate store having an IC (Integrated Circuit) reader and capable of multi-linking with a VAN (Value Added Network) and a financial joint network, (ReSeT) signal is applied to the IC chip, and then at least one signal including an ATR signal responded from the IC chip is read to check whether the credit IC card is interfaced with the IC reader or not. And automatically sets the VAN to the payment network when the IC card is interfaced with the IC reader, and automatically sets the financial common network to the payment network when the IC card is interfaced with the IC reader, When the check IC card is interfaced with the IC reader, an interface for selecting one of the VAN and the financial joint network And displaying the screen and setting the selected payment network as a payment network for performing the payment procedure of the check IC card through the interface screen.

A method of an adaptive payment processing method using an IC card according to the present invention is a method implemented in a payment terminal of a merchant that has an integrated circuit (IC) reader and can be interlocked with a value added network (VAN) (RST (ReSeT) signal is applied to the IC chip of the IC card through the IC reader, and at least one signal including an ATR signal responded from the IC chip is read, and the IC card is interfaced with the IC card, A first step of determining whether an IC card is interfaced, a first step of determining whether an IC card is interfaced, and a step of automatically setting the VAN as a payment network when the IC card is interfaced with the IC reader, Wherein the financial joint network is automatically set as a payment network, and when the check IC card is interfaced with the IC reader, A second step of displaying an interface screen for selecting one of the payment networks and a third step of setting the selected payment network as a payment network for performing the payment procedure of the check IC card through the interface screen .

In the adaptive payment processing method using an IC card according to the present invention, in the case where a card interfaced to the IC reader via the ATR signal is not discriminated, And reading out a response signal responding from the IC chip to determine whether the IC card is interfaced with the credit IC card or the IC card is interfaced with the IC reader.

The method further comprises interrupting a procedure of setting the VAN to the payment network when the check IC card is interfaced with the IC reader in the adaptive payment processing method using the IC card according to the present invention, The interface screen is displayed in the interrupted state.

In the second step, when displaying an interface screen for selecting a payment network, the financial joint network among the VAN and the financial joint network is used as a payment network And the selected interface screen is displayed.

In the adaptive payment processing method using the IC card according to the present invention, when the payment network for the check IC card is set to the VAN, the signature area is displayed through the signature pad, and the payment network for the check IC card And if the PIN is set as the financial common network, processing the PIN input area to be displayed through the signature pad.

In the adaptive payment processing method using the IC card according to the present invention, when the payment network for the check IC card is set as the financial community network, if the payment amount is less than the designated amount, the signature area is displayed through the signature pad And processing the PIN input area to be displayed through the signature pad when the payment amount is equal to or greater than a predetermined amount.

A method for performing an adaptive payment processing method using an IC card according to the present invention is implemented in a terminal equipped with an IC (Integrated Circuit) reader and capable of multiple interworking with a VAN (Value Added Network) and a financial joint network, (ReSeT) signal is applied to the IC chip of the IC card, and then at least one signal responded from the IC chip is read, and it is checked whether the IC card is interfaced with the credit IC card or not. And the VAN is automatically set to the payment network when the IC card is interfaced with the IC reader, and when the cash IC card is interfaced with the IC reader, the VOC is automatically transferred to the payment network When the check IC card is interfaced with the IC reader, the control unit selects either one of the VAN and the financial joint network For the second step of displaying the interface screen, and is characterized in that it comprises a third step of setting a payment network to perform the payment process of the IC card checks the payment network is selected via the screen interface.

According to the present invention, in the first step, the ATR signal responded from the IC chip in response to the RST signal is read, and it is determined whether the IC card is interfaced with the credit IC card or the IC card is discriminated can do.

According to the present invention, the first step includes injecting a designated command into the IC chip based on an ATR signal responded from the IC chip in response to the RST signal, reading a response signal responded from the IC chip, In which it is determined whether the credit IC card is interfaced or the cash IC card is interfaced.

According to the present invention, the adaptive payment processing method using the IC card may further include interrupting a procedure of setting the VAN as a payment network when the IC card is interfaced with the IC reader, The second step may display the interface screen in the interrupted state.

According to the present invention, the second step may display an interface screen that is basically selected as the settlement network of the financial joint network among the VAN and the financial joint network.

According to the present invention, the adaptive payment processing method using the IC card may further include processing the signature area to be displayed through the signature pad when the payment network for the IC card is set to the VAN.

According to the present invention, the adaptive payment processing method using the IC card may further include processing the PIN input area through the signature pad when the payment network for the check IC card is set as the financial community network have.

According to the present invention, in the adaptive payment processing method using the IC card, when the payment network for the check IC card is set as the financial community network, if the payment amount is less than the designated amount, the signature area is displayed through the signature pad The method comprising the steps of:

According to the present invention, in the adaptive payment processing method using the IC card, when the payment network for the check IC card is set as the financial cooperative network, if the payment amount is more than the specified amount, the PIN input area is displayed through the signature pad And a step of processing the data.

According to the present invention, the adaptive payment processing method using the ICC may further include a step of configuring a message corresponding to the set payment network and transmitting the message through the established payment network.

According to the present invention, a settlement network is automatically determined according to the type (credit, cash, check) of the IC card in payment processing using an IC card through an IC reader and a terminal capable of multi- It is possible to eliminate the trouble of changing the payment network according to the type of the IC card and to advantageously enable the payment network to be more advantageously selected from the viewpoint of the merchant or the user.

1 is a diagram illustrating a functional configuration of a terminal for adaptive settlement processing using an IC card according to an embodiment of the present invention.
2 is a diagram illustrating a process of determining an IC card in a terminal according to an embodiment of the present invention.
3 is a diagram illustrating a process of discriminating an IC card in a terminal according to another embodiment of the present invention.
4 is a diagram illustrating a payment network selection process according to a check IC card according to an embodiment of the present invention.
5 is a diagram illustrating a payment network selection process according to a credit IC card or a cash IC card according to an embodiment of the present invention.
6 is a flowchart illustrating a process of inputting a signature or a PIN according to a payment amount after the payment network according to the method of the present invention is selected as a financial common network.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

1 is a diagram illustrating a functional configuration of a terminal for an adaptive payment process using an IC card according to an embodiment of the present invention.

1 illustrates an exemplary embodiment of a terminal 100 having an adaptive settlement processing function using an ICC. As shown in FIG. 1, if a person skilled in the art is familiar with the present invention, It is to be understood that the technical features of the present invention are not limited to those shown in FIG. 1, but may be applied to all of the above- And a method for carrying out the present invention.

In addition, the terminal 100 shown in FIG. 1 may include a POS or a payment terminal provided at an affiliate shop.

Referring to FIG. 1, a terminal 100 having an adaptive settlement processing function using an ICC basically includes a control unit 105, a memory unit 150, a card reader unit 110, a screen output unit 115, A key input unit 120, a communication processing unit 130, a security application module 135, a print output unit 140, a signature pad 155, and a power supply unit 125 for supplying power to the terminal 100 , And may include at least one terminal function unit (not shown) according to the intention of a person skilled in the art.

The controller 105 controls the overall operation of the terminal 100, manages the flow of information or data between the respective elements, and controls the operation of the terminal 100 in order to perform adaptive settlement processing using the IC card. At least one component can be interlocked and controlled, and at least one processor including a CPU (Central Processing Unit) / MPU (Micro Processing Unit) and an execution memory (e.g., a register and / or RAM And a bus (BUS) for inputting / outputting predetermined data. In order to perform a function peculiar to the terminal 100, loading (loading) from a predetermined recording medium to the execution memory ) And includes predetermined program routines and / or program data that are processed by the processor (thus, using an IC card) A predetermined program recorded on a recording medium provided in the terminal 100 for adaptive settlement processing, and / or a component capable of being processed in software among functional configurations included in the terminal 100, ) Shown in Fig.

The control unit 105 controls the components included in the terminal 100 such as the memory unit 150 and the card reader unit 110, the screen output unit 115, The communication processing unit 130, the security application module 135, the print output unit 140, the signature pad 155, and / or the terminal function unit (not shown) according to the intention of the person skilled in the art) It is possible to control and manage the provision of the electronic settlement service defined in the terminal 100 and to interwork with the components provided in the terminal 100 for the adaptive settlement processing using the IC card according to the present invention And / or a program recorded on a recording medium provided in the terminal 100 for adaptive settlement processing using the IC card.

The memory unit 150 may store predetermined program routines (or codes) and / or program data (for example, information input / output when an operation is performed by a program routine (or code)) for controlling the overall operation of the terminal 100 Volatile memory for storing at least one or more nonvolatile memories for storing at least one or more nonvolatile memories including at least one of EEPROM (Electrically Erasable and Programmable Read Only Memory) and / or FM (Flash Memory) and / or HDD (Hard Disk Drive) The control unit 105 may include a predetermined program routine required to perform a predetermined control function and program data (for example, data that the program routine inputs or outputs to perform a predetermined function) Can be stored.

According to an embodiment of the present invention, the memory unit 150 may be configured such that the IC card recognized through the IC reader of the terminal 100 is a credit IC card or a cash IC It is possible to store one or more card discrimination information for discriminating whether or not the card is a check IC card.

According to the embodiment of the present invention, the card discrimination information includes an AID (Application Identity) recorded in an FCI (File Control Information) file stored in an IC chip of an IC card recognized through an IC reader of the terminal 100, , And file information.

For example, the memory unit 150 may store at least one of a credit IC card, a cash IC card, an AID (Application Identity), an application label, and a file information for each check IC card.

Here, the FCI file is information that can be displayed through ATR (Answer To Reset) responding to an RST (ReSeT) signal applied from the terminal 100 at the time when the IC card is first recognized through the IC reader (AID), application label, and file information recorded in the FCI (File Control Information) file through the ATR, the card identification information stored in the memory unit 150 is compared with the identification information It is possible to discriminate whether the IC card is a credit IC card, a cash IC card or a check IC card.

According to another embodiment of the present invention, the card discrimination information includes a Cardholder Name, a real name ID, an algorithm ID code, an issuer ID, and a card ID recorded in a basic information file stored in an IC chip of an IC card recognized through an IC reader of the terminal 100 (ID), an algorithm identification code, an issuing institution identification code, and a CSN (Card Serial Number) may be included in a credit IC card, a cash IC Card, and check IC card, and may be stored in the memory unit 150.

The terminal 100 transmits one or more commands (e.g., SELECT FILE, READ FILE, VERIFY, PUT KEY, etc.) for identifying the information recorded in the basic information file to the IC card IC Chip ID, an algorithm identification code, an issuing institution identification code, and a CSN (Card Serial Number) recorded in the basic information file through a response to the command, It is possible to discriminate whether the IC card is a credit IC card, a cash IC card or a check IC card by comparing with the card discrimination information stored in the IC card 150.

According to another embodiment of the present invention, the card discrimination information includes at least one of account information or TRACK III information recorded in an account information file stored in an IC chip of an IC card recognized by the IC reader of the terminal 100 And the account information or TRACK III information may be stored in the memory unit 150 by credit IC card, cash IC card, or check IC card.

The terminal 100 transmits one or more commands (e.g., SELECT FILE, READ FILE, VERIFY, PUT KEY, etc.) for identifying the information recorded in the basic information file to the IC card IC Chip and checks account information or TRACK III information recorded in the account information file through a response to the command and compares it with the card discrimination information stored in the memory unit 150 to determine whether the IC card is trusted It is possible to discriminate whether it is an IC card, a cash IC card or a check IC card.

According to another embodiment of the present invention, the card discrimination information includes a credit IC card, a cash IC card, and a check IC card recorded in a key file stored in an IC chip of an IC card recognized by the IC reader of the terminal 100 And may include information for confirming a key (KEY) used for the authentication.

The terminal 100 transmits one or more commands (e.g., SELECT FILE, READ FILE, VERIFY, PUT KEY, etc.) for identifying the information recorded in the basic information file to the IC card IC Chip, checks the key recorded in the key file through a response to the command, compares the key with the card identification information stored in the memory unit 150, and determines whether the IC card is a credit IC card, a cash IC card, Check IC card can be discriminated.

A customer requesting an adaptive settlement process using the IC card according to the present invention through the terminal 100 is a contact IC card (or wireless IC chip) and / or an ISO / IEC (Or possesses) a card including at least one non-contact type IC card (or wireless IC chip) based on the standard of the IC card of the card, and the card reader unit 110 has at least one information Or an interface for reading data.

According to the embodiment of the present invention, the card reader unit 110 includes a contact type IC reader that provides an interface between the contact type IC card and the terminal 100, and / or a contact type IC reader that provides an interface between the contact type IC card and the terminal 100. [ And / or an MS reader that provides an interface between the MS card and the terminal 100. [0034] FIG.

The contact type IC reader is a card reader unit 110 based on ISO / IEC 7816, and includes at least one contact point which is in electrical contact with a COB (Chip On Board) provided in the contact type IC card And supplies predetermined information or data from the IC chip through the half-duplex transaction using an APDU (Application Protocol Data Unit) to supply power to the IC chip of the IC card through the contact point And can interface with the terminal 100.

The noncontact IC reader unit is a card reader unit 110 based on ISO / IEC 14443, and uses at least a noncontact type IC card and a noncontact type IC card, which are electrically contactless with the IC card using capacitive coupling and / or inductive coupling The IC chip includes at least one antenna, and supplies power to the IC chip of the IC card via the antenna, and transmits predetermined information or data from the IC chip through the half-duplex transaction using the APDU, 0.0 > 100 < / RTI >

The MS reader unit is a card reader unit 110 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil. The MS reader unit includes predetermined information (for example, (Or the magnetic head moves in close contact with the MS card in which the predetermined information is recorded) in the predetermined direction, the MS card in which the MS card in which the binary data (binary data) It is possible to interfere with the terminal 100 with predetermined information or data from at least one track (track) provided in the MS of the MS card.

According to the method of the present invention, the card reader unit 110 receives predetermined card information (for example, a card ID included in the card) from at least one or more card reader units 110 for the electronic payment service defined in the terminal 100 Payment means information corresponding to a payment means including at least one of a credit card, a check card, a debit card, a cash card, and a financial account), and further, it is preferable to read an adaptive settlement process using the IC card according to the present invention It is possible to read one or more IC card storing information from the IC chips of at least one IC card.

Here, the IC card storage information may include payment means information necessary for payment processing.

The IC card storage information may include information for determining whether the IC card is a credit IC card, a cash IC card, or a check IC card for an adaptive settlement process using the IC card according to the present invention .

According to the method of the present invention, the information for determining whether the IC card is a credit IC card, a cash IC card or a check IC card is recorded in an FCI (File Control Information) file stored in the IC chip of the IC card A cardholder name, a real name ID, an algorithm ID code, an issuer ID code, a card serial number (CSN), and a credit card number recorded in a basic information file stored in an IC chip of the IC card, And / or the account information or TRACK III information recorded in the account information file stored in the IC chip of the IC card and / or the credit IC card, cash IC card, check IC recorded in the key file stored in the IC chip of the IC card And may include at least one key (KEY) used for the card.

The key input unit 120 may include at least one key button having at least one numeric key and / or a character key and / or a function key. (Or signal) input from the key input device of the key input device in the specific input mode and / or operation mode of the terminal 100 controlled by the control unit 105, Generates a key event corresponding to the input information (or signal), and provides the generated key event to the control unit 105 when the predetermined information (or signal) is inputted from the button, The control unit 105 acquires predetermined key data corresponding to the key event in the current input mode and / or operation mode of the terminal 100, and / or acquires predetermined key data corresponding to the key event You can obtain the running command. The key input unit 120 and the key input device having at least one or more key buttons may function as key input means provided in the terminal 100 in cooperation with each other.

The key input device interlocked with the key input unit 120 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (e.g., an alphanumeric key and / And / or at least one numeric key and a function key in cooperation with the screen output means, and / or at least one numeric key, a character key and a function key, And may include at least one or more touch screen devices.

According to an embodiment of the present invention, the key input unit 120 receives key data corresponding to the electronic settlement service (for example, payment amount, etc.) from at least one key input device for the electronic settlement service defined in the terminal 100 In addition, in order to perform the adaptive settlement processing using the IC card according to the present invention, at least the key input unit And can perform a function of key input means for inputting one or more key data.

The screen output unit 115 may display an LCD (Liquid Crystal Display) on the LCD 105 by the controller 105 in the process of the terminal 100 performing predetermined functions (e.g., an electronic settlement processing function and an adaptive settlement processing function using an IC card) (CRT) and / or a CRT (Cathode Ray Tube) to be output to a predetermined screen output device through a predefined interface screen, The screen output unit 115 and the screen output device interoperate with each other to perform a function of a screen output unit provided in the terminal 100. [

Information or data defined in advance to be output from the terminal 100 to the screen output device may be generated by key data input through the key input unit 120 and / (Or data) transmitted or received through the communication processing unit 130 and / or at least one (or more) data corresponding to the predetermined calculation result performed by the terminal 100 Or more.

According to a preferred embodiment of the present invention, the screen output unit 115 outputs a screen output for outputting an electronic settlement processing screen corresponding to each electronic settlement step to the screen output device for the electronic settlement service defined in the terminal 100 And a screen output means for outputting a processing screen corresponding to the adaptive settlement processing step using each IC card to the screen output device for the adaptive settlement processing using the IC card according to the present invention, Can be performed.

The signature pad 155 may be provided in the terminal 100 or may be communicatively connected to the terminal 100. The terminal 100 may be provided with a predetermined function (e.g., an electronic payment processing function, (S) to be output to the touch screen on the signature pad (155) by the control unit (105) in the course of performing the payment processing function It can be output through the interface screen.

In addition, the signature pad 155 may function as a key input device having at least one numeric key, a character key, and a function key.

According to the method of the present invention, when the check IC card is interfaced with the IC reader, when a payment network for payment processing for the check IC card is set, output information corresponding to the set payment network is transmitted to the signature pad 155). ≪ / RTI >

For example, if the payment network for the check IC card is set to VAN, then the signature area can be displayed through the signature pad 155. If the payment network for the check IC card is set to the financial shared network, The PIN input area can be displayed through the pad 155. [

In addition, when the payment network for the check IC card is set as the financial common network, the signature area or the PIN input area may be displayed on the signature pad 155 according to the payment amount.

The communication processing unit 130 may be a payment network (for example, a Value Added Network (VAN)) in the process of the terminal 100 performing predetermined functions (for example, an electronic payment processing function and an adaptive payment processing function using an IC card) And / or a terminal (or device) connected to the settlement terminal through a predetermined cable and / or a terminal connected to the terminal 100 through predetermined short distance wireless communication A network communication unit for connecting a predetermined communication channel with a server (for example, a payment relay server) on a wired or wireless network, and / or a network communication unit for connecting a predetermined communication channel with a terminal (or a device) A cable communication unit for connecting a communication session with a predetermined terminal (or device) via a cable communication port, and / A short range wireless communication unit for connecting a predetermined communication session with a short range communication terminal (or apparatus) apparatus, and may include a communication protocol and / or a driver for connecting the communication channel (or communication session) .

The network communication unit may be a predetermined wired network and / or a mobile communication network including a Value Added Network (VAN) or a financial cooperative network or a high-speed Internet (e.g., ADSL / VDSL / Cable Network / (E.g., a VAN server, a relay server, a financial institution server, and the like) on a wired / wireless network through a predetermined wireless network including a wireless data communication network. A modem or NIC (Network Interface Card) for connecting to a predetermined wired / wireless network and includes a communication protocol and / or driver for connecting the terminal 100 to the wired / wireless network in software .

The cable communication unit connects a cable communication session with a predetermined terminal (or device) through a predetermined cable communication (for example, RS-232c or USB (Universal Serial Bus)). And / or a driver for software communication of the cable communication.

The short-range wireless communication unit may be an infrared (IR) communication, a radio frequency (RF) communication, a Bluetooth, a wireless LAN, a Wi-Fi, a UWB (RF) communication, Bluetooth, wireless communication, and the like, in hardware, by connecting at least one short-range wireless communication means to at least one terminal And a predetermined short range wireless communication module for short range wireless communication including LAN, Wi-Fi, UWB, NFC, and may include a communication protocol and / or driver for the short range wireless communication in software.

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

The secure application module (SAM) 135 may be used for confidentiality and / or authentication required in the process of the electronic payment and / or electronic settlement using the card by the terminal 100, And a security device for performing security requirements including integrity and / or nonrepudiation in a safe and reliable structure in the terminal 100 without using an authentication server on the payment network A predetermined message (information or information) that is processed in the process of the terminal 100 performing a predetermined security request function (e.g., an electronic payment and / or an electronic payment function and / or an adaptive payment processing function using an IC card) Encrypts or decrypts the message, adds an authenticator to prevent forgery (or modulation) of the message, or performs the security function The ability to store important information on the key can be performed.

In general, the security application module 135 may be composed of a predetermined security application module inserter and a security application module chip. The security application module chip includes a CPU having at least 8 bits or more, and may be a 2MIPS (Million Instructions Per Second) (E.g., a PLCC 44-pin chip) and / or an IC chip (e.g., an IC card in the form of a Subscriber Identity Module (SIM)), I never do that.

The security application module 135 may include at least one or more security application data (e.g., at least one identifier, a version, an expiration date, an issuance date, a code value, and the like) required for the terminal 100 to perform a predetermined security- (E. G., A transaction protocol, a re-transaction protocol, a prior transaction cancellation protocol, a collection protocol, a SAM issuance protocol, an electronic transaction / card company) and / or a key (e. G., One master key and at least one application key) (E.g., at least one of read / authentication / transfer / registration / setup / mode switching / acquisition / deletion / discard / initialization / registration) Reprocess / cancel command).

The print output unit 140 may be configured to perform the process of the terminal 100 performing a predetermined function (e.g., an electronic settlement processing function or an adaptive settlement processing function using an IC card) and / or a predetermined information Or outputting data (e.g., settlement process result information or data) to a predetermined printing device (e.g., a receipt printing device), wherein the printing information or data is sent to a predetermined printing device Lt; RTI ID = 0.0 > and / or < / RTI >

Referring to FIG. 1, in order to perform an adaptive settlement process using an IC card according to the present invention, the terminal 100 transmits an IC card interfaced with an IC reader provided in the terminal 100 to a credit IC card or a cash IC A card discrimination information storage unit 160 for storing card discrimination information for discriminating whether the IC card is a card discrimination check IC card in the memory unit 150, A payment card discrimination unit 165 for discriminating whether the IC card to be interfaced is a credit IC card or a cash IC card or a check IC card; An interface display unit 175 for outputting a payment network selection interface screen for setting a network, and an IC card interfaced via the IC reader are a credit IC card or a cash IC card And a payment network setting unit 180 for setting a corresponding payment network according to whether it is a check IC card.

According to the present invention, the card discrimination information storage unit 160 may be configured to set a payment network according to whether the IC card interfaced through the IC reader included in the terminal 100 is a credit IC card, a cash IC card or a check IC card The terminal 100 may store the card discrimination information for discriminating the IC card to be interfaced in the memory unit 150.

According to the embodiment of the present invention, the card discrimination information includes an AID (Application Identity) recorded in an FCI (File Control Information) file stored in an IC chip of an IC card recognized through an IC reader of the terminal 100, A cardholder name, a real name ID, an algorithm identification code, an issuing institution identification code, a CSN (Card Serial Number) recorded in a basic information file stored in an IC chip of the IC card, account information Account information recorded in a file or TRACK III information, and key information recorded in a key file stored in the IC chip of the IC card.

In addition, an AID (Application Identity), an Application Label, a file information, a Cardholder Name, a real name ID, an algorithm identification code, an issuing institution identification code, a CSN (Card Serial Number), account information or TRACK III information, Information is classified and stored for each credit IC card, cash IC card, and check IC card so that the IC card interfaced through the IC reader of the terminal 100 is a credit IC card, a cash IC card, a check IC card It can be determined.

When the IC card is interfaced with the IC reader of the terminal 100, the payment card distinguishing unit 165 identifies one or more pieces of information identified or extracted from the IC chip of the IC card and the card discrimination information stored in the memory unit 150 Information can be compared to determine whether the interfaced IC card is a credit IC card or a cash IC card or a check IC card.

According to the embodiment of the present invention, the payment card discrimination unit 165 receives the RST signal for the first time to initialize the IC chip of the IC card in the process of interfacing the IC card with the IC reader, It is possible to determine whether the IC card is a credit IC card or a cash IC card or a check IC card based on the ATR signal.

For example, when at least one of an AID (Application Identity), an Application Label, and file information is stored in the memory unit 150 as credit card identification information, credit card identification information, and check IC card identification information, When the ATR signal is received from the IC chip after the RST signal is first applied to initialize the IC chip of the IC card, the card discrimination unit 165 determines whether the FCI (File (IC), an application label, and file information recorded in the memory unit 150, and compares the received identification information with the card identification information stored in the memory unit 150 to determine whether the IC card is a credit IC card or a cash IC Check whether the card is an IC card.

According to another embodiment of the present invention, after the IC card is interfaced through the IC reader, the payment card discrimination unit 165 checks whether the IC card is a credit IC card or a cash IC card with the IC chip of the IC card Wherein the IC card discriminating unit discriminates whether the IC card is a credit IC card or a cash IC card or a check IC card through a response signal received corresponding to the command signal, can do.

For example, in the memory unit 150, an AID (Application Identity), an Application Label, a file information, a Cardholder Name, a real name ID, an algorithm identification code, an issuing institution identification code, a CSN (Card Serial Number) Information is stored as the card discrimination information for each of the credit IC card, the cash IC card, and the check IC card, the settlement card discrimination unit 165 acquires the card discrimination information as the IC chip of the IC card And transmits the command signal for identifying or extracting one or more of the stored information and comparing the information identified through the response signal corresponding to the command signal with the card identification information stored in the memory unit 150, It can discriminate whether it is credit IC card or cash IC card or check IC card.

If the IC card interfaced with the IC reader is determined to be a check IC card through the payment card discrimination unit 165, the interface display unit 175 displays a payment network for selecting either the VAN or the financial co- And outputs the selection interface screen through the screen output unit 115.

According to the embodiment of the present invention, when the IC card interfaced with the IC reader is discriminated as a check IC card, the interface display unit 175 simultaneously displays the VAN selection interface and the financial joint network selection interface, To select a payment network.

In addition, according to another embodiment of the present invention, when the IC card interfaced with the IC reader is discriminated as a check IC card, the interface display unit 175 displays the financial co- It is possible to output the interface screen.

In this case, the operator operating the terminal 100 confirms that the interface screen of the financial cooperative network is set as the payment network by default, and can easily set the payment network as the financial cooperative network by clicking the OK button. On the other hand, An interface screen in which the financial cooperative network is set as the payment network in default is outputted, but if the operator intends to set the VAN as the payment network by default, a procedure of changing the default setting interface screen can be performed.

That is, it is possible to automatically select a payment network such as a financial joint network automatically from the viewpoint of an operator, to induce a more appropriate payment network, or to give a priority to set a specific payment network as a basic payment network.

The payment network setting unit 180 outputs a payment network selection interface for selecting a payment network through the interface display unit 175 and outputs the payment network selected through the output payment network selection interface to the payment using the IC card And can be set as a payment network for performing processing.

For example, the IC card interfaced with the IC reader is discriminated as a check IC card through the payment card discrimination unit 165, and either the financial joint network or the VAN is selected as the payment network through the interface display unit 175 After the payment network selection interface is displayed, if the financial cooperative network is selected as the payment network through the outputting payment network selection interface, the selected financial cooperative network can be set as the payment network.

Also, if the IC card interfaced with the IC reader is determined to be a credit IC card through the payment card determination unit 165, the payment network setting unit 180 can automatically set the VAN to the payment network.

Also, if the IC card interfaced with the IC reader is identified as the cash IC card through the payment card discrimination unit 165, the payment network setting unit 180 can automatically set the financial common network to the payment network.

Referring to FIG. 1, when the IC card interfaced with the IC reader is a check IC card, the terminal 100 interrupts the procedure of setting the VAN as a payment network according to the basic setting of the terminal 100 And an interrupt processing unit 170. [

If the basic payment network set in the terminal 100 is set to the VAN, the interrupt processing unit 170 determines that the IC card interfaced with the IC reader is the check IC card through the payment card discrimination unit 165 The interface display unit 175 interrupts the procedure for setting the VAN to the payment network so that the interface display unit 175 simultaneously displays the VAN selection interface and the financial joint network selection interface, To select a payment network.

1, the terminal 100 processes a signature input from the user of the IC card via the signature pad 155 according to the payment network setting of the check IC card, And an information input processing unit 185 for processing a PIN input from a user.

The IC card interfaced with the IC reader is discriminated as a check IC card through the settlement card discrimination unit 165 and the VAN is set as the settlement network through the settlement network setting unit 180 A signature area for signature input is displayed through the signature pad 155. The IC card interfaced with the IC reader through the payment card discrimination unit 165 is discriminated as a check IC card, When the financial common network is set as the payment network through the network setting unit 180, the PIN input area for inputting the PIN can be displayed through the signature pad 155.

According to another embodiment of the present invention, when the payment network of the check IC card is set as a financial common network, the information input processing unit 185 searches the signature pad 155 according to the payment amount using the check IC card, To process the signature input from the user of the IC card via the signature pad 155 or to process the PIN input from the user of the IC card via the signature pad 155. [

For example, the information input processing unit 185 determines that the IC card interfaced with the IC reader is identified as the check IC card through the payment card discrimination unit 165, and the financial co- The signature area for signature input can be displayed through the signature pad 155 when the payment amount using the check IC card is less than the designated amount (e.g., 100,000 won) If the payment amount using the check IC card is equal to or greater than a specified amount (e.g., 100,000 won), the PIN input area for inputting the PIN can be displayed through the signature pad 155.

1, the terminal 100 forms a payment approval request for payment processing using an IC card, and transmits the payment approval request via the payment network established through the payment network setting unit 180 And a professional processing unit 195 for transmitting the request message.

2 is a diagram illustrating a process of determining an IC card in a terminal according to an embodiment of the present invention.

2 is a block diagram illustrating the structure of an IC card of the present invention when an IC card is interfaced with an IC reader included in the terminal 100. The IC card is interfaced with the IC card through the RST signal and the ATR signal between the terminal 100 and the IC chip of the IC card. Is a process of determining whether the IC card to be interfaced is a credit IC card, a cash IC card, or a check IC card in the process of resetting for initialization, and it is understood by those skilled in the art that, Referring to and / or modified with reference to FIG. 2, various processes for discriminating whether the IC card is a credit IC card or a cash IC card or a check IC card in the process of initializing the IC card may be inferred. Is not limited to FIG. 2, but includes all of the above-described embodiments.

Referring to FIG. 2, in the illustrated IC card discrimination process, whether the IC card interfaced with the IC reader provided in the terminal 100 in the terminal 100 is a credit IC card or a cash IC card or a check IC card (Step 200). In step 200, a card identification information for identifying the IC card to be interfaced is stored in order to set up a payment network and perform a settlement process through the set payment network.

According to the embodiment of the present invention, the card discrimination information includes an AID (Application Identity) recorded in an FCI (File Control Information) file stored in an IC chip of an IC card recognized through an IC reader of the terminal 100, , And file information. The AID (Application Identity), the Application Label, and the file information are classified into the credit IC card, the cash IC card, and the check IC card, ). ≪ / RTI >

When the IC card is interfaced through the IC reader of the terminal 100, the terminal 100 transmits an RST signal for resetting the card initialization to the IC chip of the IC card 210, For example, according to ISO 7816, the IC chip of the IC card receives the RST signal and may transmit the ATR signal corresponding to the received RST signal to the terminal 100 (215).

At this time, the ATR signal transmits one or more pieces of information (for example, AID (Application Identity), Application Label, file information, etc.) recorded in an FCI (File Control Information) file stored in the IC chip of the IC card to the terminal 100 Available.

(Application Identity), Application Label, and file information recorded in an FCI (File Control Information) file stored in an IC chip of an IC card recognized by the IC reader of the terminal 100 according to an embodiment of the present invention If at least one of the credit card, cash IC card, and check IC card is stored in the terminal 100 as the card identification information, the terminal 100 checks the AID (IC card), a cash IC card, a check IC card (IC card), an IC card (IC card), and an IC card (220).

The IC card is initialized by the reception of the RST signal and the transmission of the ATR signal, and is maintained in a standby state (225), and the payment network selection and payment processing procedure according to the present invention is performed according to the discriminated IC card (230).

FIG. 3 is a diagram illustrating a process of determining an IC card in a terminal according to another embodiment of the present invention.

3 illustrates an example in which when an IC card is interfaced with an IC reader included in the terminal 100, after the IC card interfaced by the terminal 100 is reset for initialization, Transmits a predetermined command signal to the IC chip of the IC card for identification or extraction of information for discriminating whether the IC card is a credit IC card or a cash IC card or a check IC card, 3 is a flowchart illustrating a process of determining whether the IC card is a credit IC card, a cash IC card, or a check IC card by using the IC card according to an embodiment of the present invention. It is possible to deduce various processes for determining whether the IC card is a credit IC card, a cash IC card or a check IC card by using a separate command signal and a response signal Would, instead of the technical implementation of the present invention is not limited by the figure 3, bayida put out that that includes all the embodiments in which the inference method.

Referring to FIG. 3, in the illustrated IC card discrimination process, whether the IC card interfaced with the IC reader provided in the terminal 100 in the terminal 100 is a credit IC card or a cash IC card or a check IC card (300) for storing the card discrimination information for discriminating the IC card to be interfaced in order to set up the payment network and perform the settlement processing procedure through the set payment network.

According to the embodiment of the present invention, the card discrimination information includes a cardholder name, a real name ID, an algorithm ID code, an issuer ID, and an issuer ID recorded in a basic information file stored in an IC chip of an IC card recognized by the IC reader of the terminal 100 An IC card ID, an algorithm ID code, an issuer ID code, and a CSN (Card Serial Number) may include at least one of a credit card ID, an identification code, and a card serial number (CSN) And the check IC card, and can be stored as the card discrimination information.

According to another embodiment of the present invention, the card discrimination information includes at least one of account information or TRACK III information recorded in an account information file stored in an IC chip of an IC card recognized by the IC reader of the terminal 100 And the account information or the TRACK III information may be classified by the credit IC card, the cash IC card, and the check IC card and stored as the card discrimination information.

According to another embodiment of the present invention, the card discrimination information includes a credit IC card, a cash IC card, and a check IC card recorded in a key file stored in an IC chip of an IC card recognized by the IC reader of the terminal 100 And may include information for confirming a key (KEY) used for the authentication.

After the card discrimination information is stored in the terminal 100, when the IC card is interfaced to the IC reader included in the terminal 100, the terminal 100 and the IC card transmit the RST signal and the ATR signal And performs initialization reset of the IC card to maintain the standby state (310).

Then, the terminal 100 transmits a designated command signal to the IC chip of the IC card to discriminate whether the IC card is a credit IC card or a cash IC card or a check IC card (315).

Here, the command signal designated for discriminating whether the IC card is a credit IC card or a cash IC card or a check IC card may include at least one of SELECT FILE, READ FILE, VERFY, PUT KEY, (E.g., a cardholder name, a real name ID, an algorithm identification code, an issuing institution identification code, a CSN (Card Serial Number), etc.) recorded in the basic information file of the IC chip of the IC card corresponding to the command signal, , One or more information (e.g., account information, TRACK III information) stored in the account information file, and one or more key information stored in the key file, to the terminal 100 320).

The terminal 100 receives a command signal including a cardholder name, a real name ID, an algorithm ID code, an issuing institution ID code, a card serial number (CSN), account information, TRACK III information, (325) whether the IC card is a credit IC card or a check IC card, comparing with the card discrimination information stored in the terminal (100).

Thereafter, a payment network is selected according to the determined IC card, and a payment processing procedure may be performed according to the selected payment network (330).

4 is a diagram illustrating a payment network selection process according to a check IC card according to an embodiment of the present invention.

4 is a flowchart illustrating a process for determining whether or not an IC card interfaced with an IC reader included in the terminal 100 is identified as a check IC card through the process of FIG. If a person having ordinary skill in the art to which the present invention belongs, it is possible to refer to and / or modify the FIG. 4 to select a payment network according to the check IC card However, it should be noted that the technical implementation process of the present invention is not limited to FIG. 4 but includes all of the above-described embodiments.

Referring to FIG. 4, the payment network selection and payment process according to the check IC card shown in FIG. 2 is performed as shown in FIG. 2 or 3 by a process of determining an IC card interfaced through an IC reader included in the terminal 100 (400).

If the IC card is determined to be a check IC card (405), the terminal 100 checks whether the VAN is set as the primary payment network (410). If the VAN is set as the primary payment network, And interrupts the procedure of setting the payment network to the VAN (415).

Then, the terminal 100 outputs a payment network selection interface screen for selecting either the VAN or the financial common network as a payment network (420).

On the other hand, the case where the IC card is discriminated as a credit IC card or a cash IC card rather than a check IC card will be described in the process of FIG. 5 below.

If the financial common network is selected as a payment network through the payment network selection interface screen 425, the terminal 100 displays a PIN input area for PIN entry on the signature pad 155 (step 430) .

If the PIN input is confirmed through the PIN input area (step 435), the terminal 100 performs a payment processing procedure using the financial common network as a payment network (step 440).

On the other hand, if the VAN is selected as the payment network through the payment network selection interface screen (445), the terminal 100 displays (450) a signature area for signature input on the signature pad 155, When the signature input is confirmed through the signature area (455), the settlement processing procedure is performed using the VAN as the payment network (460).

5 is a diagram illustrating a payment network selection process according to a credit IC card or a cash IC card according to an embodiment of the present invention.

5, when an IC card interfaced through an IC reader provided in the terminal 100 is discriminated as a credit IC card or a cash IC card through the process of FIG. 2 or 3, the discriminated credit IC Card, or cash IC card to perform a settlement process. It will be understood by those skilled in the art that reference is made to and / It is possible to infer various processes for selecting and processing a settlement network according to an IC card or a cash IC card. However, the technical implementation process of the present invention is not limited to FIG. 5, but includes all of the above- I do not know.

Referring to FIG. 5, the payment network selection and payment processing according to the credit IC card or the cash IC card shown in FIG. 2 or 3 is performed by an IC card May be initiated from the process of being identified as a credit IC card (500).

If the IC card is determined to be a credit IC card, the terminal 100 automatically sets the VAN to the payment network (step 505), displays a signature area for signature input on the signature pad 155 (510) If a signature input is confirmed through the signature area (515), the VAN is used as a payment network to perform a payment processing procedure (520).

Meanwhile, if the IC card interfaced through the IC reader included in the terminal 100 is identified as a cash IC card (525), the terminal 100 automatically sets the financial cooperative network as a payment network (530).

Then, the terminal 100 displays a PIN input area for inputting a PIN on the signature pad 155 (step 535). If the PIN input is confirmed through the PIN input area (step 540), the terminal 100 The settlement processing procedure is performed using the financial joint network as a payment network (545).

6 is a diagram illustrating a process of inputting a signature or a PIN according to a payment amount after the payment network according to the method of the present invention is selected as a financial joint network.

6, an IC card interfaced through an IC reader included in the terminal 100 is discriminated as a check IC card through the process of FIG. 2 or FIG. 3 and FIG. 4, and the discriminated check IC If the payment network for the card is selected as the financial joint network, the process of selectively inputting the signature or the PIN is performed according to the payment amount. As a person skilled in the art, Referring to and / or modified with reference to FIG. 6, after the payment network for the check IC card is selected as the financial common network, various processes for selectively processing the signature input or the PIN input according to the payment amount may be inferred. It is to be understood that the technical implementation process is not limited to FIG. 6 but includes all of the above-described embodiments.

Referring to FIG. 6, in the process of inputting a signature or PIN according to the payment amount shown in the figure, an IC card interfaced through an IC reader included in the terminal 100 is discriminated as a check IC card, The payment network for the IC card may be initiated (600) from the process of being selected as a financial public network.

In step 605, the terminal 100 determines whether a designated reference amount for payment processing using the financial common network as a payment network is set after the payment network for the checked check IC card is selected as the financial common network.

If the designated reference amount is set for the payment processing using the financial common network as a payment network (610), the terminal 100 determines whether the payment amount by the check IC card is equal to or greater than the set reference amount 615).

On the other hand, if the specified reference amount is not set separately, the terminal 100 performs the settlement processing procedure as in the steps 430 to 440 of FIG. 4 (or the subsequent steps 625 to 635).

Meanwhile, if the payment amount by the check IC card is confirmed to be equal to or greater than the set reference amount (620), the terminal 100 displays a PIN input area for entering a PIN on the signature pad 155 (625).

If the PIN input is confirmed through the PIN input area (630), the terminal 100 performs a payment processing procedure using the financial common network as a payment network (635).

On the other hand, if the payment amount by the check IC card is less than the set reference amount, the terminal 100 displays (640) a signature area for inputting a signature on the signature pad 155, (645), the payment processing procedure is performed using the VAN as a payment network (650).

100: terminal 105:
110: card reader unit 115:
120: key input unit 125: power supply unit
130: communication processor 135: security application module
140: print output unit 150: memory unit
155: signature pad 160: card identification information storage unit
165: Payment card discrimination unit 170:
175: interface display unit 180: payment network setting unit
185: Information input processing unit 190:

Claims (6)

1. A method for executing in a payment terminal of a merchant having an IC (Integrated Circuit) reader and capable of multi-linking with a VAN (Value Added Network) and a financial joint network,
(RST (ReSeT) signal is applied to the IC chip of the IC card through the IC reader, and then at least one signal including the ATR signal responded from the IC chip is read, and the IC card is interfaced with the IC card Checking whether the card is interfaced; determining whether the IC card is interfaced;
Automatically sets the VAN to the payment network when the credit IC card is interfaced with the IC reader, and automatically sets the financial common network to the payment network when the IC card is interfaced with the IC reader, A second step of displaying an interface screen for selecting one of the VAN and the financial joint network when the check IC card is interfaced; And
And setting a payment network selected through the interface screen as a payment network for performing the payment procedure of the check IC card.
2. The method according to claim 1,
If the card interfaced to the IC reader is not identified through the ATR signal,
A command instructed based on the ATR signal is injected into the IC chip and a response signal responded from the IC chip is read to determine whether the IC card is interfaced with the credit IC card or not, Further comprising the steps of: (a) receiving a payment request from the IC card;
The method according to claim 1,
Further comprising interrupting a procedure of setting the VAN to the payment network when the check IC card is interfaced to the IC reader,
And the second step displays the interface screen in the interrupted state.
2. The method according to claim 1,
When displaying an interface screen for selecting a payment network,
And displaying the interface screen selected by the financial joint network as a settlement network among the VAN and the financial joint network.
The method according to claim 1,
If the payment network for the check IC card is set to the VAN, the signature area is displayed through the signature pad,
Further comprising processing the PIN input area to be displayed through a signature pad when the payment network for the check IC card is set as a financial common network.
The method according to claim 1,
If the settlement amount of the check IC card is set to the financial cooperative network, the signature area is displayed through the signature pad if the payment amount is less than the designated amount, And displaying the information on the IC card.

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