WO2016148347A1 - Dispositif de lecteur de carte, terminal portatif pour traiter des informations de carte et procédé de fonctionnement associé - Google Patents

Dispositif de lecteur de carte, terminal portatif pour traiter des informations de carte et procédé de fonctionnement associé Download PDF

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Publication number
WO2016148347A1
WO2016148347A1 PCT/KR2015/007302 KR2015007302W WO2016148347A1 WO 2016148347 A1 WO2016148347 A1 WO 2016148347A1 KR 2015007302 W KR2015007302 W KR 2015007302W WO 2016148347 A1 WO2016148347 A1 WO 2016148347A1
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WO
WIPO (PCT)
Prior art keywords
card
terminal
information
card reader
reader device
Prior art date
Application number
PCT/KR2015/007302
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English (en)
Korean (ko)
Inventor
윤성우
한성문
황관택
Original Assignee
한국정보통신주식회사
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Application filed by 한국정보통신주식회사 filed Critical 한국정보통신주식회사
Publication of WO2016148347A1 publication Critical patent/WO2016148347A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/0013—Methods or arrangements for sensing record carriers, e.g. for reading patterns by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers
    • G06K7/0017—Methods or arrangements for sensing record carriers, e.g. for reading patterns by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers the reading head of the connector being removably attached to the housing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K17/00—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/0013—Methods or arrangements for sensing record carriers, e.g. for reading patterns by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers
    • G06K7/0021—Methods or arrangements for sensing record carriers, e.g. for reading patterns by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers for reading/sensing record carriers having surface contacts

Definitions

  • the present invention relates to a card reader device, a portable terminal for processing card information, and a method of operating the same. More particularly, the present invention relates to a card reader device and a portable terminal capable of improving communication compatibility between the portable terminal and the card reader device. It is about.
  • a financial transaction terminal is provided with a magnetic stripe reader (MSR) module or an IC card reader module called a smart card for reading card information encoded on a magnetic strip of the card.
  • MSR magnetic stripe reader
  • IC card reader module called a smart card for reading card information encoded on a magnetic strip of the card.
  • the MSR module converts the card information read through the magnetic head from the magnetic card reader into an analog signal form and transmits the card information processing method that is currently used most frequently due to the ease of manufacture, ease of use, and low infrastructure construction cost. Card reader module.
  • the IC card reader module is a card with a microprocessor and a memory.
  • the IC card reader module can store and process information in the card, thereby minimizing the risk of forgery of the magnetic card and providing various services.
  • the storage capacity is superior to perform various additional functions requiring separate information storage, and has an advantage of improving security problems.
  • the contactless IC card is a type of contact IC card with a metal pattern on the front of the card.
  • the contactless IC card is a module and antenna capable of wireless communication in the card. Built-in, it is possible to read the card information through the IC card reader provided in the financial transaction terminal.
  • Such a financial transaction terminal is generally connected to a financial server or a VAN company server through an on / off dedicated line to perform a financial transaction.
  • a financial server or a VAN company server Through an on / off dedicated line to perform a financial transaction.
  • a demand for performing a financial transaction service in connection with a conventional portable terminal is increasing.
  • the manufacturers of the card reader device and the portable terminal are not only different, and due to frequent firmware updates of the portable terminal, it is very difficult to maintain compatibility between the card reader and the portable terminal.
  • a connector typically transmits and receives voice information, it is difficult to maintain compatibility and become unstable because the connector varies greatly depending on the device characteristics, noise, and codec information.
  • the present invention is to solve the above problems, to provide a tunable parameter between the card reader device and the portable terminal, and to automatically apply the tuning setting information using the parameter to improve the communication compatibility between the terminal and the card reader device It is an object of the present invention to provide a card reader device and a portable terminal.
  • the present invention provides a management and download of the auto-tuned information for each terminal through the server card reader device and portable to maintain the compatibility in real time even for a newly released portable terminal or a terminal updated firmware or OS
  • the purpose is to provide a terminal.
  • a portable terminal connected to a card reader device and processing card information includes: a connection terminal into which a connector of the card reader device is inserted; A terminal tuning setting unit for automatically applying tuning setting information including communication parameters for communication with the card reader device when the card reader device is connected through the connector; And a card payment processing unit that executes a payment application based on the card information received through the connector when the tuning setting information is applied.
  • the method according to an embodiment of the present invention for solving the above problems, the method of operation of a portable terminal connected to a card reader device for processing card information, the step of inserting a connector of the card reader device; When the card reader device is connected through the connector, automatically applying tuning setting information including communication parameters for communication with the card reader device; And if the tuning setting information is applied, executing the payment application based on the card information received through the connector.
  • the card reader apparatus for solving the above problems, the insertion unit is inserted into the financial card; A connector provided to be connectable to an interface of the portable terminal and transmitting and receiving a signal to and from the portable terminal; A reader unit reading card information from the financial card inserted into the insertion unit; A card information processing unit for transferring the read card information to the portable terminal through the connector; And a reader tuning setting unit configured to vary at least one communication parameter among a plurality of communication parameters for communication tuning with the portable terminal.
  • the method according to an embodiment of the present invention for solving the above problems may be implemented as a recording medium in which a program for executing in a computer is recorded.
  • the present invention can automatically apply tuning setting information that enables normal communication by setting a tunable communication parameter between the card reader device and the portable terminal and periodically changing it. Accordingly, communication compatibility between the terminal and the card reader device can be improved.
  • the present invention manages and downloads the auto-tuned information for each terminal through a server, so that compatibility can be maintained in real time even with a newly released portable terminal or a terminal whose firmware or OS is updated.
  • the tuned information is automatically updated from the terminal of the customer who purchased the card reader device, not only can the manufacturer significantly reduce the manpower and workload for AS and tuning, but also purchase equipment for compatibility testing of new portable terminals. Unnecessary costs such as can be reduced, thereby reducing the cost.
  • FIG. 1 is a system configuration diagram illustrating a payment method of a terminal using a card reader device according to an embodiment of the present invention.
  • FIG. 2 is a perspective view illustrating an embodiment of a method of connecting a portable terminal and a card reader device.
  • FIG. 3 is a block diagram illustrating a configuration of a portable terminal according to an embodiment of the present invention.
  • FIG. 4 is a block diagram illustrating a configuration of a card reader apparatus according to an embodiment of the present invention.
  • FIG. 5 is a ladder diagram illustrating an overall system operation for card settlement according to an embodiment of the present invention.
  • FIG. 6 is a flowchart illustrating a tuning process of a portable terminal according to an embodiment of the present invention.
  • FIG. 7 is a flowchart illustrating a tuning process of a card reader apparatus according to an embodiment of the present invention.
  • FIG. 8 is a diagram illustrating tuning setting information according to an embodiment of the present invention.
  • the "portable terminal” described herein may include a mobile phone, a smart phone, a laptop computer, a digital broadcasting terminal, a personal digital assistant (PDA), a portable multimedia player (PMP), navigation, and the like.
  • PDA personal digital assistant
  • PMP portable multimedia player
  • the present invention is not limited thereto, and may be various devices capable of displaying a user input and information.
  • a financial server may refer to a server that processes information related to financial transactions.
  • a financial server may be a bank company server for relaying transactions between financial accounts, a van company server for relaying electronic payment of a financial card, a card company server for processing payment approval of credit card transactions, and various other types of servers. This may be the case.
  • FIG. 1 is a system configuration diagram illustrating a payment method of a portable terminal using a card reader device according to an embodiment of the present invention.
  • Electronic payment system includes a portable terminal 100, a card reader device 200, a relay server 300, a management server 400 and a card company server 500.
  • the terminal 100 performs wireless communication through a general mobile communication network 30, and various messages such as a short message service (SMS), a multimedia messaging service (MMS), an e-mail message, and the like. It may include a cellular phone for transmitting and receiving at least one of.
  • SMS short message service
  • MMS multimedia messaging service
  • the terminal 100 may include a personal digital assistant (PDA), etc., which may connect to the mobile communication network 30 and transmit and receive data with an Internet Protocol (IP) network 50 such as the Internet. Can be.
  • PDA personal digital assistant
  • IP Internet Protocol
  • the relay server 300 may be an example of a server of a van (Value Added Network) company that provides a payment agent service in an electronic payment system using the credit card 10.
  • van Value Added Network
  • the relay server 300 may be a server that relays only the purchase of the slips in addition to the server that handles the settlement, and includes all forms of a simple relay server connected to a server of a general card company.
  • the card company server 500 represents the server of the card company that issued the above credit card 10.
  • the management server 400 is a model of the terminal 100 to the application of the payment program installed in the card reader device 200 and the terminal 100 and the tuning setting information between the card reader device 200 and the terminal 100. And manage by OS version.
  • the management server 400 may receive, store, or update the tuning setting information from the portable terminal 100.
  • the management server 400 may transmit the tuning setting information to the portable terminal 100 so as to be updated in real time.
  • relay server 300 may be connected to or integrated with the management server 400.
  • relay server 300 may include the functionality of management server 400 or vice versa.
  • the relay server 300 may be connected to the management server 400 through the IP network 50.
  • the seller terminal 100 illustrated in FIG. 1 may be used in connection with the card reader device 200.
  • the card reader device 200 may have a connector structure inserted into and connected to a connection port including an earphone and a microphone connection terminal of the terminal 100.
  • the portable terminal 100 automatically provides tuning setting information including communication parameters for communication with the card reader device 200. Apply to.
  • the portable terminal 100 may execute the payment application 110 based on the card information received through the connector.
  • the portable terminal 100 may apply tuning setting information including communication parameters for normal communication with the card reader device 200.
  • the portable terminal 100 receives and applies tuning setting information from the management server 400 according to a preset condition, or enters a terminal tuning mode and performs a tuning process with the card reader device 200 to newly generate tuning setting information. Can be applied.
  • the portable terminal 100 transmits and receives at least one of a predetermined transmission rate division value, inversion information, and a delay between transmission data until a point at which normal communication with the card reader device is confirmed. It is possible to apply communication parameters variably.
  • the card reader apparatus 200 may also perform parameter setting for normal communication through the above tuning process.
  • the card reader device 200 may also change at least one communication parameter among a plurality of communication parameters for normal communication with the portable terminal 100. A more specific operation method for varying communication parameters of the portable terminal 100 and the card reader device 200 will be described later.
  • the portable terminal 100 may execute the payment program 110 based on the card information read from the card reader device 200.
  • the terminal 100 may perform a credit settlement process by sending a transaction approval request message to the relay server 300 using the settlement program 110 to make an authorization request.
  • the terminal 100 uses the payment program 110 to send a message containing a receipt related to the transaction approval or cancellation to the purchaser's terminal and a message including the receipt related to the issuance or cancellation of the cash receipt when the transaction is approved or cancelled. Can be created and sent.
  • the relay server 300 shown in FIG. 1 registers and stores seller information using the terminal 100 in advance from an affiliate store.
  • the seller information includes the seller's phone number, and may further include the name of the seller, the name of the affiliated store to which the seller belongs, a business registration number, and the like.
  • the relay server 300 may manage the transaction information of the seller or merchant by assigning an identification ID for each seller or merchant.
  • the relay server 300 may be directly managed by a van (VAN) company and may manage the transaction information of the seller or the merchant through an additional additional server.
  • the relay server 300 may provide a payment program 110 provided in the terminal 100 of the seller.
  • the payment program 110 is provided to the terminal 100 of the seller using, for example, a virtual machine (VM) download method.
  • the relay server 300 may transmit a call back type message to the terminal 100 of the seller for VM download.
  • the payment program 110 is transmitted to the terminal 100 of the seller.
  • the VM download operation may be omitted.
  • the buyer's signature is input through the touch pad provided in the terminal 100 of the seller, and the signature information is transmitted to the relay server 300 together with the transaction approval request message.
  • the payment program 110 has been described as using a VM download method, this is an example, and the payment program 110 may be transmitted to the seller terminal 100 using various known program transmission methods.
  • a seller accesses an affiliate site on the Internet or an open application market such as the Android Market or App Store, enters the information of the seller and the seller's terminal, registers with a member, goes through the verification process, and checks the payment program ( 110 may be downloaded as an application.
  • uploading, updating information, or other management of the payment program 110 may be performed at the relay server 300 or at another server.
  • FIG. 2 is a perspective view illustrating an embodiment of a method of connecting a portable terminal and a card reader device.
  • the card reader device 200 is inserted into a connection port including an earphone connection terminal 133 and a microphone connection terminal 132 by inserting the card reader device 200 into the insertion groove 134 of the terminal 100. ) Can be connected.
  • the card reader device 200 may be electrically connected to the connection port including the earphone connection terminal 133 and the microphone connection terminal 132 of the terminal 100 through the connector 210, each card The reader device 200 may assign a separate identification ID to manage transaction information with the corresponding terminal 100.
  • the card reader device 200 includes a reader unit 250 for reading card information, and the reader unit 250 is an IC card reader for reading a magnetic strip reader (MSR) 251 and IC card information. 252.
  • MSR magnetic strip reader
  • the card reader device 200 is provided with a magnetic strip reader (MSR) 251 in the housing so as to detect and read card information recorded on the magnetic of the credit card 10.
  • the card reader device 200 may be provided with an IC card reader 252 to detect and read card information recorded on the IC chip of the credit card 10.
  • MSR magnetic strip reader
  • IC card reader 252 to detect and read card information recorded on the IC chip of the credit card 10.
  • FIG. 2 it is assumed that the card reader device 200 includes an MSR or IC card reader to read card information from the credit card 10 of the magnetic or IC method.
  • the card reader device 200 has a card insertion groove 220 for inserting the credit card 10 on one surface thereof, and a credit card (or a card insertion groove 220) for reading card information of the credit card 10. 10) may be inserted into a sliding movement, or inserted into the card inserting portion.
  • the card information read by the card reader device 200 is received through the microphone connection terminal 132 of the terminal 100 and transferred to the control unit (to be described later) of the terminal 100.
  • the controller of the terminal 100 generates a transaction approval request message using the corresponding card information and the payment program 110, and transmits the generated transaction approval request message to the relay server 300 through the mobile communication network 30.
  • the card information read through the card reader device 200 is transmitted to the controller of the terminal 100 through the connector 210 of the card reader device 200, the microphone connection terminal 132.
  • the card reader apparatus 200 reads not only the magnetic credit card 10 of the magnetic type but also the card information of a credit card made of an RF contactless IC card or a contact IC card. Can be.
  • the IC card reader provided in the card reader device 200 for reading card information may be implemented to include an RF communication module.
  • the IC card may be an IC chip and an application card embedded therein complying with the EMV standard.
  • the EMV is an international standard for credit and debit transactions jointly established by card companies of Europay / MasterCard / Visa. It means the standard about the transaction used.
  • the card reader device 200 reads various types of information of the customer card through communication with the credit card 10, and when other necessary information (payment amount and password, etc.) is input, offline approval / offline rejection / online Determining what kind of transaction to request, and transmits to the credit card (10).
  • the credit card 10 may review the request of the card reader device 200 and determine whether it is offline approval / offline rejection / referral / online and respond to the card reader device 200.
  • the card reader device 200 may perform offline approval / offline rejection / reply based on the response of the credit card 10, and transmit the full transaction approval request message to the relay server 300 through the terminal 100 when online.
  • the relay server 300 transmits the transaction approval request message to the card company server 500, and the card company server 10 transmits a response message including whether to approve / reject the message to the relay server 300, and the relay server 300. ) May transmit the response message back to the card reader device 200 through the terminal 100.
  • the card reader device 200 makes a final request to the credit card 10 according to whether or not the received response message is approved or rejected, and the credit card 10 reviews the request of the card reader device 200 to finally approve or reject the card. In response, the card reader device 200 approves / declines the transaction according to the response of the credit card 10.
  • FIG. 3 is a block diagram illustrating a configuration of a portable terminal according to an embodiment of the present invention.
  • the portable terminal 100 has a payment program 110 installed therein and connects the card reader device 200 to a connection port 135 including an earphone connection terminal 133 and a microphone connection terminal 132. It is configured by connecting.
  • the terminal 100 includes an antenna 101, a communication module 103, a key manipulation unit 105, a connection port 135 and a touch pad 109 including an earphone connection terminal 133 and a microphone connection terminal 132. , A display unit 111, a memory 113, and a control unit 115 in which the payment program 110 is installed.
  • the communication module 103 includes a modem for encoding and modulating a transmitted signal, demodulating and decoding a signal received through the antenna 101, and an RF front end for processing an RF signal.
  • the key manipulation unit 105 optionally includes a key for inputting a telephone number according to whether the touch pad 109 is provided. If the phone number and the signature information for the card payment are input through the touch pad 109, the key manipulation unit 105 may be configured with only minimal function keys for power on / off.
  • the key operation unit 105 and the touch pad 109 will be collectively referred to as a key input unit.
  • the controller 115 may include a card payment processor 115a, an interface unit 115b, a terminal tuning setting unit 115c, and a setting information management unit 115d.
  • the card payment processing unit 115a may transmit the card information transmitted from the card reader device 200 to the relay server 300 through the communication module 103 and perform a service according to a conventional credit card electronic payment method. .
  • the card payment processing unit 115a may transmit the authentication information to the card company server 500 to secure transaction safety before transmitting the transaction approval request message and the electronic signature information to the relay server 300.
  • the authentication information may include PIN (Personal Identification Number) information of the card possessed by the purchaser.
  • the card payment processing unit 115a receives the full transaction approval result transmitted from the card company server 500 via the relay server 300 and outputs it through the display unit 111.
  • the terminal 100 includes the touch pad 109 as a key input unit
  • the purchaser's signature is input by hand through the touch pad 109
  • the card payment processing unit 115a uses the inputted buyer's signature to perform card payment.
  • the terminal 100 does not have the touch pad 109
  • the signature input may be omitted when the buyer pays for the card.
  • the card payment processing unit 115a may encrypt the transaction approval request message including the payment request information and the signature information for secure credit card payment, and transmit the encrypted information to the relay server 300.
  • the card payment processing unit 115a stores the credit card payment details in the memory 113 and arranges them according to the payment date, the amount, the buyer, and the like, and outputs them through the display unit 111 when the user requests them.
  • the card payment details can be transmitted to the buyer terminal as a message.
  • the controller 115 may include other components, that is, a connection port including an antenna 101, a wireless communication module 103, a key manipulation unit 105, an earphone connection terminal 133, and a microphone connection terminal 132 ( 135, overall operations of the touch pad 109, the display 111, and the memory 113 are controlled.
  • a connection port including an antenna 101, a wireless communication module 103, a key manipulation unit 105, an earphone connection terminal 133, and a microphone connection terminal 132 ( 135, overall operations of the touch pad 109, the display 111, and the memory 113 are controlled.
  • the interface unit 115b may transmit / receive data to / from the card reader device 200 through a connection port 135 including a microphone connection terminal 132 and an earphone connection terminal 133.
  • the interface unit 115b converts an analog-digital converter and an encryption key for converting an analog signal received through the microphone connection terminal 132 into a digital signal to an analog signal, thereby connecting the earphone connection terminal.
  • a digital-to-analog converter for transmitting to 133 may be provided.
  • the interface unit 115b may receive card information encoded according to a Manchester Code method from the card reader device 200.
  • the Manchester code as one of the line coding schemes in which a polarity change occurs in the middle of a bit to emphasize the ease of receiving side synchronization, it may also be referred to as a split-phase code, a biphase code, or a diphase code.
  • this has the advantage that the synchronization timing can be easily found at the receiving side by changing the pulse every bit for ease of reception synchronization.
  • the polarity of the Manchester code signal is reversed at the center of each bit, and the transition direction can determine the logic state. This indicates that it may be defined as 0 when a downward transition occurs in the middle of a bit from a waveform of a signal and 1 when an upward transition occurs in the middle of a bit. However, since upward or downward transitions may be reversed depending on which direction the absolute polarity is defined at the receiving side, identification thereof needs to be assumed.
  • the interface unit 115b communicates with the card reader apparatus 200 according to the above Manchester code scheme, thereby transmitting and receiving data in communication mode, delay between data, and inversion information. It can be parameterized according to the requirements and can be adjusted. This solves a problem that is difficult to match the compatibility of the portable terminal 100 caused by the analog communication method of the conventional general card reader device 200, and provides a basis for easy tuning.
  • a reception method may be set according to a communication parameter included in the tuning setting information according to an embodiment of the present invention.
  • the communication parameter may include at least one of information on whether the Manchester code signal is inverted, a predetermined transmission rate division value, and a delay between transmission data.
  • the terminal tuning setting unit 115c may variably apply data transmission / reception settings of the interface unit 115b and the connection port 135 according to the tuning setting information.
  • the terminal tuning setting unit 115c may enter a terminal tuning mode in which the communication parameter is changed to obtain tuning setting information capable of normal communication with the card reader apparatus 200.
  • the terminal tuning setting unit 115c may first check whether the tuning setting information, which is predetermined according to the terminal identification information (or model information) and the OS information, exists by querying the management server 400. If the predetermined tuning setting information exists, the terminal tuning setting unit 115c receives this, and sets data transmission / reception settings of the interface unit 115b and the connection port 135 based on the communication parameter included in the received tuning setting information. Can be applied in a variable way.
  • the terminal tuning setting unit 115c performs terminal tuning when predetermined tuning setting information corresponding to the terminal identification information (or model information) and OS information does not exist or a communication error with the card reader device is confirmed. Enters the mode and generates tuning setting information.
  • the terminal tuning setting unit 115c may set transmission and reception communication parameters, generate a response request signal including the transmission and reception communication parameters, and transmit the response request signal to the card reader device 200 through the connector.
  • the terminal tuning setting unit 115c may change one of the factors selected from the parameters of the transmission / reception communication parameter to change the next communication parameter. Set a signal, and generate a response request signal including the next communication parameter and transmit it to the card reader device.
  • the terminal tuning setting unit 115c when the response signal corresponding to the response request signal is received from the card reader device 200, the terminal tuning setting unit 115c generates tuning setting information based on the transmission / reception communication parameter, and the interface unit 115b and It can be applied to the setting of the connection port 135.
  • the terminal tuning setting unit 115c sequentially varies any one factor selected from the parameters of the transmission and reception communication parameters until the time when the response signal from the card reader apparatus 200 is received, and thus, until the normal communication is confirmed.
  • the communication parameters may be repeatedly changed to check whether communication is possible.
  • the terminal tuning setting unit 115c may determine a communication parameter at the time when normal communication is confirmed as the communication parameter of the tuning setting information.
  • the terminal tuning setting unit 115c may generate tuning setting information based on the current communication parameter.
  • the tuning setting information may be classified according to model information and OS information of the portable terminal 100, for example.
  • the tuning setting information may include a send communication parameter and a receive communication parameter of the portable terminal 100, respectively.
  • the tuning setting information may include transmission communication parameters and reception communication parameters of the card reader apparatus 200, respectively.
  • the tuning setting information communication parameters at the time of transmission and reception between the portable terminal 100 and the card reader device 200 may be set, and the terminal tuning setting unit 115c may communicate according to each case.
  • Variable parameters can be applied to automatically find the communication parameter settings for normal communication.
  • the setting information managing unit 115d may store and manage the generated tuning setting information in the memory 113. In addition, the setting information manager 115d may upload the stored tuning setting information to the management server 400 through the communication module 103.
  • the management server 400 may database the tuning setting information according to the model information and the OS information of the portable terminal 100, and may provide tuning setting information of the database when a request from another portable terminal is requested. . Accordingly, the occurrence of a communication error between the portable terminal 100 and the card reader device 200 due to the release of a new terminal or the version update of the OS can be minimized due to the upload or update of the real-time tuning setting information.
  • the terminal tuning setting unit 115c may output a communication parameter set according to the entry into the terminal tuning mode and the termination of the terminal tuning mode through the display unit 111. For example, when the normal communication is confirmed, the terminal tuning setting unit 115c ends the terminal tuning mode, but may output at least one of the communication parameters at the time when the normal communication is confirmed through the display unit 111. have.
  • the user can check the tuning status and automatically set communication parameters, and can refer to manual control of parameter settings separately.
  • FIG. 4 is a block diagram illustrating a configuration of a card reader apparatus according to an embodiment of the present invention.
  • the card reader device 200 includes a connector 210, a power supply unit 230, a central processing unit (CPU) 240, a reader unit 250, a memory unit 260, and a display unit ( 270).
  • CPU central processing unit
  • the card reader device 200 includes a connector 210, a power supply unit 230, a central processing unit (CPU) 240, a reader unit 250, a memory unit 260, and a display unit ( 270).
  • the central processing unit 240 may include a full text generation unit 243, an interface unit 244, a reader tuning setting unit 245, and an encryption unit 246.
  • the connector 210 is attached to the main body of the card reader device 200 to receive information necessary for card payment through the connection port 135 including the microphone connection terminal 132 or the earphone connection terminal 133 of the terminal 100. Terminal 100 to be exchanged.
  • the power supply unit 230 supplies power to each component of the entire card reader apparatus 200.
  • the power supply unit 230 may include a battery and a switching unit, and the switching unit 232 may be formed of a bipolar transistor, a MOS transistor, or other switching elements, and the card reader device according to a sensing signal received from the connector 210. Power may be selectively supplied to each component of 200.
  • the sensing signal of the portable terminal 100 may be transmitted to the switching unit in the connector 210. Accordingly, when the sensing signal is activated, the switching unit is turned on so that power received from the battery may be supplied to each component of the card reader device 200.
  • the activation of the detection signal may mean that the detection signal has a voltage level higher than a specific voltage.
  • the detection signal of the terminal 100 may not be transmitted to the switching unit in the connector 210. Accordingly, when the sensing signal is not activated, the switching unit may be turned off, and thus the supply of power received from the battery may be cut off.
  • the card reader device 200 may read the card information through the reader 250 or enter the reader tuning mode.
  • the reader unit 250 may include a magnetic strip reader (MSR) 251 for reading information of the magnetic card and an IC card reader 252 for reading information of the IC card.
  • the card information read as described above may be encrypted by the encryption unit 246.
  • the encryption scheme may be, for example, a public key scheme such as RSA or a symmetric key scheme such as DES.
  • the encryption key may be decrypted only with the RSA private key stored in the portable terminal 100.
  • the interface unit 244 may transmit the encrypted card information to the portable terminal 100 through the connector 210.
  • the interface unit 244 may also selectively change the transmission / reception setting according to predetermined communication parameters.
  • the reader tuning setting unit 245 may enter the reader tuning mode according to a predetermined condition and change the communication parameter setting of the interface unit 244.
  • the central processing unit 240 automatically enters the reader tuning mode when the communication with the portable terminal 100 is not started for a predetermined time after the connection of the connector 210 is detected. ) Can be controlled.
  • the reader tuning setting unit 245 may enter the reader tuning mode when power is applied to the power supply unit 230 and data is not received for a predetermined time through the interface unit 115b.
  • the card reader apparatus 200 may enter the reader tuning mode when the connector 210 is connected and the power is applied but there is no data received for a predetermined time.
  • the reader tuning setting unit 245 may perform communication parameter setting for normal communication by periodically changing communication parameters in the reader tuning mode.
  • the leader tuning setting unit 245 Similar to the terminal tuning setting unit 115c, the leader tuning setting unit 245 also transmits and receives communication parameters including at least one of a predetermined transmission rate division value, inversion information, and delay between transmission data until a point where normal communication is confirmed. Can be applied variablely.
  • the reader tuning setting unit 245 periodically changes the communication parameters in the reader tuning mode, and when the response request signal is received from the portable terminal within a predetermined first time, the reader tuning setting unit 245 communicates the current communication parameters with the card reader device. A parameter may be set and the reader tuning mode may be terminated.
  • the reader tuning setting unit 245 may also vary the waiting time for receiving the response request signal from the portable terminal.
  • the time for waiting to receive the response request signal may be a second time larger than the first time.
  • the time for waiting for receiving the response request signal may be a third time smaller than the first time.
  • the reader tuning mode entry and communication parameter change of the reader tuning setting unit 245 may be performed in synchronization with the communication parameter variable of the terminal tuning setting unit 115c of the portable terminal 100 in time.
  • the terminal tuning setting unit 115c of the portable terminal 100 also transmits a response request according to the communication parameter for a predetermined first time for such synchronization, and when the first time has elapsed, varies the at least one communication parameter. Thereafter, the response request transmission according to the next communication parameter may be performed for a second time corresponding to the transmission rate division value of the communication parameter.
  • variable sequence and the waiting time of the communication parameters after entering the tuning mode of the portable terminal 100 and the card reader apparatus 200 are operated by the reader tuning setting unit 245 and the terminal tuning setting unit 115c. Can be synchronized accordingly. Accordingly, even when data communication is impossible due to a communication error, normal communication settings can be automatically tuned to each.
  • the interface unit 244 may receive payment amount information input from the terminal 100 through the connector 210.
  • the full text generation unit 243 prepares a transaction approval request message including the card information obtained through the reader 250, payment amount information received from the terminal 100, and a password detected through the password detection unit 242. Create However, the text generation unit 243 is not an essential configuration, and the card payment processing unit 115a of the portable terminal 100 may perform all or part of the functions of the text generation unit.
  • the transaction approval request text may be generated according to the EMV (Europay Mastercard Visa) standard.
  • the memory unit 260 may include a memory such as a flash ROM 262 and an SRAM 262.
  • the memory unit 260 may store communication parameters, an encryption key, card information of the read credit card 10, received payment information, or unique identification information of the corresponding card reader device 200.
  • the display unit 270 may emit light using a red LED or a blue LED to indicate a current state of the card reader device 200, or may generate a specific beep sound such as a “beep” sound to recognize a signal that the payment may be made. have.
  • the display unit 270 may indicate that the card reader apparatus 200 has entered the reader tuning mode or the tuning is completed by turning on the card reader device 200 according to a predetermined period when the card reader apparatus 200 enters the reader tuning mode.
  • the central processor 240 controls overall operations of the remaining components, that is, the connector 210, the power supply 230, the magnetic strip reader (MSR) 250, the memory 260, and the display 270. do.
  • FIG. 5 is a ladder diagram illustrating an overall system operation for card settlement according to an embodiment of the present invention.
  • the portable terminal 100 executes a payment program 110 for processing a card payment (S101).
  • the user may insert the connector 210 of the card reader device 200 into the insertion groove 134 located in the connection port 135 including the earphone connection terminal 133 and the microphone connection terminal 132 of the portable terminal 100. Connect (S105).
  • the portable terminal 100 checks the terminal model information (S105), and checks whether there exists tuning setting information corresponding to the terminal model information and its OS version information from the management server 400 (S109).
  • the portable terminal 100 downloads the tuning setting information and related information from the management server 400 (S113).
  • the portable terminal 100 enters the terminal tuning mode (S111).
  • the terminal tuning setting unit 115c may identify the terminal model information and the OS version information and determine whether to enter the terminal tuning mode according to the existence of the tuning setting information corresponding thereto.
  • the terminal tuning setting unit 115c may check the existence of the tuning setting information by requesting the management server 400 for tuning information corresponding to the terminal model information and the OS version information. In addition, for example, the terminal tuning setting unit 115c may check whether the tuning setting information previously stored in the setting information managing unit 115d exists.
  • the terminal tuning setting unit 115c may enter the terminal tuning mode when there is no previously stored or downloadable tuning setting information.
  • the card reader device 200 is supplied with power as the connector 210 is inserted into the connection port (S115), and determines whether a predetermined time elapses in a state in which data is not transmitted and received (S117). When a predetermined time has elapsed while data is not transmitted or received, the card reader device 200 enters the reader tuning mode (S119).
  • the card reader apparatus 200 variably controls the communication parameters according to the time-synchronized tuning process with the portable terminal 100 (S121).
  • the terminal tuning setting unit 115c of the portable terminal 100 and the reader tuning setting unit 245 of the card reader device 200 sequentially change the tuning parameters according to a predetermined order at predetermined time intervals for each synchronization time point. You can check whether or not normal communication.
  • the processing procedure of each of the portable terminal 100 and the card reader device 200 may be referred to as a tuning process.
  • the terminal tuning setting unit 115c when the terminal tuning setting unit 115c enters the terminal tuning mode, the terminal tuning setting unit 115c enters the reader tuning mode as a predetermined time elapses from the time when the reader power of the card reader device 200 connected through the connector 210 is applied. You can predict when to enter.
  • the portable terminal 100 may transmit a response request signal according to the first tuning parameter combination to the card reader apparatus 200 for a first time from the time when the card reader apparatus 200 enters the reader tuning mode.
  • the reader tuning setting unit 245 of the card reader apparatus 200 may check whether the response request signal is received according to the first tuning parameter combination during the first time.
  • the reader tuning setting unit 245 may end the tuning process by generating a response signal according to the first tuning parameter combination and returning it to the portable terminal 100.
  • the communication parameters may be set in the state where normal communication is possible between each card reader device 200 and the portable terminal 100.
  • the portable terminal 100 When the tuning process ends, the portable terminal 100 generates the tuning setting information (S123) and uploads to the management server 400 (S125).
  • the portable terminal 100 may recognize the card reader through communication with the card reader device 200 (S131).
  • the controller 115 of the portable terminal 100 may recognize the magnetic strip reader 251 or the IC card reader 252 of the card reader 200 by communicating through the microphone connection terminal 132.
  • the card reader device 200 performs card reading and encryption processing.
  • the reader 250 of the card reader 200 reads the card information of the card 10 (S133).
  • the encryption unit 246 encrypts the read card information according to a predetermined encryption algorithm.
  • the card reader device 200 transmits the encrypted card information to the portable terminal 100.
  • the interface unit 244 of the card reader apparatus 200 may convert the encrypted card information into the Manchester code method, set the communication parameter set according to the tuning process, and transmit the encrypted card information to the portable terminal 100 through the connector 210. have.
  • the portable terminal 100 may completely obtain the encrypted card information by converting the signal received through the connector 210 through the interface unit 115b set according to the tuning process.
  • This payment amount input step may be performed even before card reading.
  • the portable terminal 100 generates a transaction approval request telegram based on the input payment amount and the encrypted card information (S139), and transmits an approval request including the transaction authorization request telegram to the relay server 300 ( S141).
  • the card payment processing unit 115a may transmit an approval request including a full transaction approval request to the relay server 300 through the communication module 103.
  • the transaction approval request message may be previously generated by the message generation unit 243 of the card reader device 200 and transmitted to the portable terminal 100.
  • the relay server 300 may transmit the approval request to the card company server 500, and may respond to the portable terminal 100 with the approval result.
  • FIG. 6 is a flowchart illustrating a tuning process of a portable terminal according to an embodiment of the present invention.
  • the portable terminal 100 first enters a terminal tuning mode and displays a state (S201).
  • the terminal tuning setting unit 115c does not have preset tuning setting information, the tuning setting information is not confirmed by the management server 400, or a communication error of the downloaded tuning setting information occurs, and any of user menu selections is performed. In one case, the terminal may enter the terminal tuning mode.
  • the terminal tuning setting unit 115c may enter the tuning mode and display its state through the display unit 111.
  • the portable terminal 100 performs time synchronization of the tuning process based on the time point (S203).
  • the terminal tuning setting unit 115c controls the interface unit 115b so that data is not transmitted for a predetermined time from the time of applying power to the card reader apparatus 200, so that the card reader apparatus 200 enters the reader tuning mode. Can be induced.
  • the terminal tuning setting unit 115c may predict a time when the card reader apparatus 200 enters the reader tuning mode according to time synchronization corresponding to the time of power supply.
  • the portable terminal 100 sets transmission / reception communication parameters including at least one of a predetermined transmission rate division value, inversion information and delays between transmission data (S205), and sets the interface unit 115b with the set communication parameters.
  • the portable terminal 100 sets transmission / reception communication parameters including at least one of a predetermined transmission rate division value, inversion information and delays between transmission data (S205), and sets the interface unit 115b with the set communication parameters.
  • the response request signal to the card reader device (200) (S207).
  • the portable terminal 100 determines whether a response signal is received within a predetermined time synchronized with the card reader apparatus 200 (S209), and when the response signal is not received, determines whether any one factor is selected from the current communication parameters. Variable and set to the next communication parameter (S211). In addition, the portable terminal 100 may repeatedly perform step S207 of transmitting a response request signal to the card reader device 200 again.
  • the terminal tuning setting unit 115c may vary the period and time for transmitting the response request signal to the card reader device 200 according to a parameter of the communication parameter.
  • the transmission rate classification value among the parameters of the communication parameter is variable, it is necessary to vary the period and time for transmitting the response request signal according to the variable range.
  • the terminal tuning setting unit 115c may be variably controlled as the same tuning parameter at the same time in synchronization with the tuning parameter variable controlled by the reader tuning setting unit 245 of the card reader apparatus 200. Therefore, even if the terminal tuning setting unit 115c does not directly communicate with the card reader apparatus 200, the terminal tuning setting unit 115c communicates with the reader tuning setting unit 245 until the response signal is received based on the connection time of the connector 210.
  • the interface unit 115b may be set to change the parameter combination.
  • the portable terminal 100 ends the tuning mode, generates tuning setting information (S213), applies the generated tuning setting information to the interface unit 115b, and manages the server 400. Upload to the (S215). The portable terminal 100 outputs the tuning result (S217).
  • the terminal tuning setting unit 115c generates tuning setting information according to the terminal model information and the OS information on the basis of the communication parameter at the end of the tuning mode, and the setting information managing unit 115d transmits the generated tuning setting information to the communication module. Upload to the management server 400 through the 103.
  • the terminal tuning setting unit 115c may output the tuning result through the display unit 111.
  • FIG. 7 is a flowchart illustrating a tuning process of a card reader apparatus according to an embodiment of the present invention.
  • the card reader apparatus 200 is first applied with operating power according to the connection of the connector 210 (S301).
  • the power supply unit 230 may provide power to each component by receiving power received from its own battery or the portable terminal 100 by a switch operation as the connector 210 is connected.
  • the card reader apparatus 200 When a predetermined time has elapsed without receiving data (S303), the card reader apparatus 200 enters the reader tuning mode (305).
  • the reader tuning setting unit 245 of the card reader apparatus 200 enters the reader tuning mode when a predetermined time has elapsed from when the power is applied, and performs a tuning process synchronized with the portable terminal 100. Can be done.
  • the card reader apparatus 200 sets a communication parameter including at least one of a predetermined transmission rate division value, inversion information, and a delay between transmission data (S307).
  • the card reader device 200 sets a set communication parameter and waits for reception of a response request from the terminal 100 (S309).
  • the card reader apparatus 200 checks whether a response request is received from the terminal within a predetermined time synchronized with the power-on time and the reader tuning mode entry time (311). A response signal is generated and transmitted to the portable terminal 100 (S315), and the reader tuning mode ends (S317).
  • the reader tuning setting unit 245 may predict the time when the card reader apparatus 200 transmits the response request signal from the terminal tuning setting unit 115c and the communication parameter combination according to the time synchronization corresponding to the time of power supply.
  • the reader tuning setting unit 245 sets transmission / reception communication parameters including at least one of a predetermined transmission rate division value, inversion information and delay between transmission data, and sets the interface unit 244 with the set communication parameters.
  • the response signal may be transmitted to the portable terminal 100.
  • the card reader device 200 may change any one factor selected from the current communication parameter to communicate the next communication of the interface unit 244.
  • a parameter is set (S211).
  • the card reader apparatus 200 may repeatedly perform step S311 of determining whether a response request signal is received within another predetermined time.
  • the reader tuning setting unit 245 may vary the period and time for transmitting the response signal according to the parameter of the communication parameter.
  • the transmission rate division value among the parameters of the communication parameter is variable, it is necessary to change the period and time for transmitting the response signal according to the variable range.
  • the reader tuning setting unit 245 may also be variably controlled as the same tuning parameter at the same time in synchronization with the tuning parameter variable controlled by the terminal tuning setting unit 115c of the portable terminal 100. Therefore, even if the reader tuning setting unit 245 does not directly communicate with the portable terminal 100, the same communication parameters as the reader tuning setting unit 245 until the response signal is received based on the connection point of the connector 210.
  • the interface unit 115b can be set so that the combination is variable.
  • FIG. 8 is a diagram illustrating tuning setting information according to an embodiment of the present invention.
  • the tuning setting information may be generated in the form of a table, and stored and managed in the management server 400.
  • the tuning setting information may be periodically updated and may have a combination of communication parameter corresponding to the terminal model information and the OS information.
  • each tuning setting information may be different as the OS version changes to Android 4.0, 4.1, and 4.2.
  • the tuning setting information may include communication parameter information at the time of transmission and communication parameter information at the reception of each of the portable terminal 100 and the card reader device 200.
  • the tuning setting information includes a speed discrimination value at transmission, information on delay and inversion between data, speed discrimination value at reception, delay between data and information on inversion, and the like.
  • the transmission speed separation value, inter-data delay and inversion information, and the reception speed division value, inter-data delay and inversion information may be included.
  • the terminal tuning setting unit 115c and the leader tuning setting unit 245 may determine whether the normal communication is performed while varying each communication parameter according to the same order and time of synchronization.
  • the bidirectional parameters including the speed discrimination value, the data delay and the inversion information as described above thereby automatically tuning the information for each terminal.
  • the method according to the present invention described above may be stored in a computer-readable recording medium that is produced as a program for execution on a computer, and examples of the computer-readable recording medium include ROM, RAM, CD-ROM, magnetic tape , Floppy disks, optical data storage devices, and the like, and also include those implemented in the form of carrier waves (eg, transmission over the Internet).
  • the computer readable recording medium can be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.
  • functional programs, codes, and code segments for implementing the method can be easily inferred by programmers in the art to which the present invention belongs.

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Abstract

L'invention concerne, selon un mode de réalisation, un terminal portable, qui est connecté à un dispositif de lecteur de carte et traite des informations de carte et comprend : un port de connexion, dans lequel est inséré un connecteur du dispositif de lecture de carte ; une unité d'interface pour recevoir des informations de carte par le biais du port de connexion ; une unité de configuration de réglage fin de terminal conçue de telle sorte que, lorsque le dispositif de lecteur de carte est connecté par le biais du connecteur, des informations de configuration de réglage fin, qui comprennent un paramètre de communication pour une communication avec le dispositif de lecteur de carte, soient appliquées à l'unité d'interface ; et une unité de traitement de règlement par carte conçue de telle sorte que, lorsque les informations de configuration de réglage fin sont appliquées, une application de règlement soit exécutée sur la base des informations de carte reçues par le biais de l'unité d'interface.
PCT/KR2015/007302 2015-03-17 2015-07-14 Dispositif de lecteur de carte, terminal portatif pour traiter des informations de carte et procédé de fonctionnement associé WO2016148347A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR10-2015-0036887 2015-03-17
KR1020150036887A KR101594558B1 (ko) 2015-03-17 2015-03-17 카드 리더 장치, 카드 정보를 처리하는 휴대용 단말기 및 그 동작 방법

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WO2016148347A1 true WO2016148347A1 (fr) 2016-09-22

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Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20060034017A (ko) * 2004-10-18 2006-04-21 주식회사 팬택 스마트 카드 사용 방법 및 이를 구현하는 이동통신단말기
KR20140029736A (ko) * 2012-08-29 2014-03-11 주식회사 케이티 이동 단말을 이용한 카드 결제 장치 및 방법
KR20140046332A (ko) * 2012-10-10 2014-04-18 주식회사 스와이프솔루션 모바일 단말기용 ic 카드 리더 장치 및 ic 카드 리더 장치에서 독출한 ic 카드 정보 처리 방법
KR20140089111A (ko) * 2013-01-04 2014-07-14 한국정보통신주식회사 이동통신 단말, 카드 리더기 및 이동통신 단말에서의 카드 리더 방법

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20060034017A (ko) * 2004-10-18 2006-04-21 주식회사 팬택 스마트 카드 사용 방법 및 이를 구현하는 이동통신단말기
KR20140029736A (ko) * 2012-08-29 2014-03-11 주식회사 케이티 이동 단말을 이용한 카드 결제 장치 및 방법
KR20140046332A (ko) * 2012-10-10 2014-04-18 주식회사 스와이프솔루션 모바일 단말기용 ic 카드 리더 장치 및 ic 카드 리더 장치에서 독출한 ic 카드 정보 처리 방법
KR20140089111A (ko) * 2013-01-04 2014-07-14 한국정보통신주식회사 이동통신 단말, 카드 리더기 및 이동통신 단말에서의 카드 리더 방법

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