KR19990066397A - Data conversion device between credit card inquiry and mobile communication terminal - Google Patents
Data conversion device between credit card inquiry and mobile communication terminal Download PDFInfo
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- KR19990066397A KR19990066397A KR1019980002290A KR19980002290A KR19990066397A KR 19990066397 A KR19990066397 A KR 19990066397A KR 1019980002290 A KR1019980002290 A KR 1019980002290A KR 19980002290 A KR19980002290 A KR 19980002290A KR 19990066397 A KR19990066397 A KR 19990066397A
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Abstract
본 발명은 신용카드 조회기와 이동통신 단말기간의 데이터 변환장치에 관한 것으로서, 물품의 구매 등의 비용 발생에 대하여 신용카드로 결재하고자 할 경우, 신용카드 조회기로 판독한 신용카드 정보를 이동통신 단말기를 통하여 신용 카드사에 무선으로 송신하고, 결재에 대한 승인 결과를 무선으로 수신하도록 함으로써, 신용카드 결재 단말기를 소형화하여 휴대가 간편하도록 하며, 장소나 시간의 제약 없이 카드 결재가 가능토록 한 것이다.The present invention relates to a data conversion device between a credit card inquiry and a mobile communication terminal. When the user wants to pay with a credit card for the occurrence of a cost, such as a purchase of goods, the credit card information read by the credit card inquiry is transmitted through the mobile communication terminal. By wirelessly transmitting to the credit card company, and wirelessly receiving the approval result for the payment, the credit card payment terminal can be miniaturized and portable, and the card payment can be made without restriction of place or time.
이와 같은 본 발명은 이동통신 단말기와 신용카드 조회기 상호간에 송/수신되는 각각의 데이터를 변환하여 인터페이스 하는 정보변환장치; 상기 정보변환장치에서 송수신 되는 데이터의 흐름을 제어하는 중앙처리장치; 상기 중앙처리장치의 제어에 의하여 신용카드 조회정보를 일시적으로 저장하는 메모리; 및 상기 신용카드 조회기에 의하여 조회되는 정보를 백업 저장하는 외부 정보 저장장치를 포함하여 된 것을 특징으로 한다.As described above, the present invention provides an information conversion apparatus for converting and interfacing each data transmitted / received between a mobile communication terminal and a credit card inquiry device; A central processing unit controlling the flow of data transmitted and received by the information conversion apparatus; A memory for temporarily storing credit card inquiry information under the control of the central processing unit; And an external information storage device for backing up and storing the information queried by the credit card inquiry machine.
Description
본 발명은 신용카드 조회 및 결재 시스템에 관한 것으로서, 보다 상세하게는 물품의 구매 등의 비용 발생에 대하여 신용카드로 결재하고자 할 경우, 신용카드 조회기로 판독한 신용카드 정보를 이동통신 단말기를 통하여 신용 카드사에 무선으로 송신하고, 결재에 대한 승인 결과를 무선으로 수신하도록 함으로써, 신용카드 결재 단말기를 소형화하여 휴대가 간편하도록 하며, 장소나 시간의 제약 없이 카드 결재가 가능한 신용카드 조회기와 이동통신 단말기간의 데이터 변환장치에 관한 것이다.The present invention relates to a credit card inquiry and payment system, and more particularly, to pay with a credit card for the occurrence of costs such as purchase of goods, credit card information read by a credit card inquiry through a mobile communication terminal By wirelessly transmitting to the card company and wirelessly receiving the approval result for the payment, the credit card payment terminal can be miniaturized for easy portability. A data converter.
종래의 신용카드 조회 및 결재 시스템은 도 1에 도시된 바와 같이, 각 카드사의 가맹점에 구비된 신용카드 조회기(12)에서 모뎀(13)을 통하여 해당 신용정보 은행 또는 해당 카드사(15)로 접속되어 사용금액에 대한 결재를 하게 된다.Conventional credit card inquiry and payment system, as shown in Figure 1, connected to the credit card bank or the credit card company 15 through the modem 13 in the credit card query machine 12 provided in each card company affiliated stores The payment is made for the amount used.
즉, 사용자가 사용한 금액에 대한 결재를 위하여 자신의 신용카드(11)를 제시할 경우, 신용카드 카드 조회기(12)에서는 신용카드에 기록된 해당 정보를 판독한 후 결재하고자 하는 금액을 키패드(17)를 통하여 결재가능 여부를 모뎀(13)을 통하여 공중전화망(PSTN)(14)으로 전송하게 된다.That is, when the user presents his or her credit card 11 for payment of the amount used, the credit card card checker 12 reads the corresponding information recorded on the credit card, and then inputs the amount to be paid. Through 17) whether to pay through the modem 13 is transmitted to the public telephone network (PSTN) (14).
신용 카드사(15)에서는 공중전화망(14)을 통하여 결재를 요구하는 고객카드의 고유번호등을 입력하여 결재가 가능한 신용 카드인지를 조회하게 된다.The credit card company 15 enters a unique number of the customer card requesting the payment through the public telephone network 14, and inquires whether the credit card is possible to pay.
만약, 조회결과 결재금액 미납 또는 분실/도난 신고된 신용카드일 경우, 또는 결재금액을 초과한 금액을 결재하고자 할 경우에는 이를 경보하게 된다. 그러나 만약, 정상적으로 사용 가능한 신용카드이면, 공중전화망(14)과 모뎀(13)을 통하여 결재를 요구하는 금액에 대한 결재 가능신호와 함께 승인번호를 부여하게 된다.If the result of the inquiry is a credit card for which the payment amount is not paid or lost / stolen, or if the payment amount exceeds the payment amount, the alarm is alerted. However, if the credit card that can be used normally, the approval number is given with the payment possible signal for the amount of payment request through the public telephone network 14 and the modem (13).
승인번호를 부여받은 후 이를 신용카드 조회기(12)의 프린터(16)를 통하여 프린팅하고, 신용카드 소지자에게 이를 확인시킨 후 본인 확인을 위하여 싸인을 함으로써, 신용카드로의 결재를 완료하게 된다.After receiving the approval number is printed through the printer 16 of the credit card query 12, and confirmed to the credit card holder and signed for identity verification, the payment to the credit card is completed.
그러나, 상기한 종래 기술에 따른 신용카드 조회기는 신용카드로 해당 금액을 결재하고자 하는 신용 카드사간의 통신을 위하여 해당 데이터를 변/복조하는 모뎀을 통하여 유선상의 공중전화망을 통해야 하므로 신용카드 조회기의 위치 이동이 불편한 문제점이 있었다.However, the credit card inquiry machine according to the prior art has to be located over a wired public telephone network through a modem for modifying / demodulating the data for communication between credit card companies that want to pay the corresponding amount with a credit card. There was a problem that the movement is inconvenient.
따라서, 본 발명은 상기한 종래 기술의 문제점을 개선하고자 하여 물품의 구매 등의 비용 발생에 대하여 신용카드로 결재하고자 할 경우, 신용카드 조회기로 판독한 신용카드 정보를 이동통신 단말기를 통하여 신용 카드사에 무선으로 송신하고, 결재에 대한 승인 결과를 무선으로 수신하도록 함으로써, 신용카드 결재 단말기를 소형화하여 휴대가 간편하도록 하며, 장소나 시간의 제약없이 카드 결재가 가능한 신용카드 조회기와 이동통신 단말기간의 데이터 변환장치를 제공함에 그 목적이 있다.Therefore, the present invention is to improve the problems of the prior art described above, if you want to pay by credit card for the occurrence of the cost, such as the purchase of goods, credit card information read by the credit card inquiry to the credit card company through the mobile communication terminal By transmitting wirelessly and receiving the approval result for payment wirelessly, the credit card payment terminal can be miniaturized for easy portability, and data can be converted between a credit card inquiry machine and a mobile communication terminal that can accept a card without restriction of place or time. The object is to provide a device.
도 1은 종래 기술에 따른 신용카드 결재 시스템의 개략적인 블록 구성도이고,1 is a schematic block diagram of a credit card payment system according to the prior art,
도 2는 본 발명의 실시예에 따른 신용카드 조회기와 이동통신 단말기간의 데이터 변환장치의 설명에 제공되는 블록도이고,2 is a block diagram provided to explain a data conversion device between a credit card inquiry and a mobile communication terminal according to an embodiment of the present invention;
도 3은 도 2의 정보변환 장치를 보다 상세하게 도시한 블록도이다.3 is a block diagram illustrating the information conversion apparatus of FIG. 2 in more detail.
< 도면의 주요 부분에 대한 부호의 설명 ><Description of Symbols for Main Parts of Drawings>
100 : 이동통신 단말기 101 : 정보변환장치100: mobile communication terminal 101: information conversion device
101a, 101b : 제 1, 제 2 데이터 변환부101a and 101b: first and second data converters
101c : 중앙처리장치 101d : 메모리101c: central processing unit 101d: memory
102 : 신용카드 조회기 103 : 외부정보저장장치102: credit card inquiry 103: external information storage device
이와 같은 본 발명의 목적을 달성하기 위한 신용카드 조회기와 이동통시 단말기간의 데이터 변환장치는, 이동통신 단말기와 신용카드 조회기 상호간에 송/수신되는 각각의 데이터를 변환하여 인터페이스 하는 정보변환장치; 상기 정보변환장치에서 송수신 되는 데이터의 흐름을 제어하는 중앙처리장치; 상기 중앙처리장치의 제어에 의하여 신용카드 조회정보를 일시적으로 저장하는 메모리; 및 상기 신용카드 조회기에 의하여 조회되는 정보를 백업 저장하는 외부정보저장 장치를 포함하여 된 것을 특징으로 한다.In order to achieve the object of the present invention, a data conversion device between a credit card inquiry and a mobile communication terminal includes: an information conversion device for converting and interfacing each data transmitted / received between a mobile communication terminal and a credit card inquiry device; A central processing unit controlling the flow of data transmitted and received by the information conversion apparatus; A memory for temporarily storing credit card inquiry information under the control of the central processing unit; And an external information storage device for backing up and storing the information queried by the credit card inquiry machine.
바람직하게, 상기 정보변환장치는 신용카드에서 판독된 정보 및 사용자가 입력한 정보를 상기 이동통신 단말기에서 호환되도록 변환하는 제 1 데이터 변환부; 및 상기 이동통신 단말기에서 출력되는 신용카드 조회결과 데이터를 상기 신용카드 조회기에서 호환되도록 변환하는 제 2 데이터 변환부로 구성하여 된 것을 특징으로 한다.Preferably, the information conversion apparatus includes a first data conversion unit for converting the information read from the credit card and the information input by the user to be compatible in the mobile communication terminal; And a second data conversion unit for converting the credit card inquiry result data output from the mobile communication terminal to be compatible with the credit card inquiry machine.
선택적으로, 상기 메모리는 신용카드 조회기와 이동통신 단말기간의 송, 수신 데이터 중 마지막 정보만을 기록 보관함을 특징으로 한다.Optionally, the memory records and stores only the last information of transmission and reception data between the credit card inquiry and the mobile communication terminal.
이하, 본 발명의 바람직한 실시예를 첨부된 도면을 참조하여 상세히 설명하면 다음과 같다.Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.
도 2는 본 발명에 따른 신용카드 조회기와 이동통신 단말기간의 데이터 변환장치의 설명에 제공되는 블록도이다.2 is a block diagram provided to explain a data conversion device between a credit card inquiry and a mobile communication terminal according to the present invention.
본 실시예에 따르면, 신용카드 소지자가 신용카드를 이용하여 물품에 대한 대금을 지급하고자 할 경우 해당 카드에 기록된 데이터를 판독하고, 사용자가 입력한 제품 가격에 대한 정보를 검지하는 신용카드 조회기(102)와, 신용카드 조회기(102)에서 검지된 정보를 이동통신 단말기(100)와의 인터페이스를 위하여 변환하는 정보변환장치(101)와, 정보변환장치를 통하여 변환 출력된 정보를 안테나(ANT)를 통하여 기지국(105)으로 무선 송출하고, 기지국(105)에서 송출된 정보를 무선 수신하는 이동통신 단말기(100)와, 정보변환장치(101)를 통하여 인터페이스하는 신용카드 조회정보를 백업 저장하는 외부정보 저장장치(103)로 구성된다.According to this embodiment, when a credit card holder wants to pay for an item using a credit card, the credit card inquiry machine reads the data recorded on the card and detects the information on the product price input by the user. And the information converting apparatus 101 for converting the information detected by the credit card inquiry machine 102 for the interface with the mobile communication terminal 100, and the information converted and output through the information converting apparatus. Wirelessly transmitting to the base station 105 through the wireless communication terminal 100 and wirelessly receiving the information transmitted from the base station 105, and storing the credit card inquiry information interfaced through the information conversion apparatus 101. It consists of an external information storage device (103).
여기서, 정보변환장치(101)는 도 3에서와 같이, 신용카드에서 판독된 정보 및 사용자가 입력한 정보를 이동통신 단말기(100)에서 호환되도록 변환하는 제 1 데이터 변환부(101a)와, 이동통신 단말기(100)에서 출력되는 신용카드 조회결과 데이터를 상기 신용카드 조회기(102)에서 호환되도록 변환하는 제 2 데이터 변환부(101b)와, 제 1, 제 2 데이터 변환부(101a)(101b)에서 송/수신되는 데이터의 흐름을 제어하는 중앙처리장치(101c)와, 중앙처리장치(101c)의 제어에 의하여 신용카드 조회정보를 일시적으로 저장하는 메모리(101d)로 구성된다.Here, as shown in FIG. 3, the information conversion apparatus 101 moves with the first data conversion unit 101a for converting the information read from the credit card and the information input by the user to be compatible in the mobile communication terminal 100. A second data conversion unit 101b for converting the credit card inquiry result data output from the communication terminal 100 to be compatible with the credit card inquiry unit 102, and first and second data conversion units 101a and 101b. A central processing unit (101c) for controlling the flow of data transmitted / received from the network), and a memory (101d) for temporarily storing credit card inquiry information under the control of the central processing unit (101c).
이와 같이 구성된 본 발명의 작용을 도 2 및 도 3을 참조하여 보다 상세히 설명하면 다음과 같다.The operation of the present invention configured as described above will be described in more detail with reference to FIGS. 2 and 3.
먼저, 본 발명은 신용카드 조회기(102)에 구비된 카드 판독기(도면에 미도시)에서 결재하고자 하는 신용카드에 기록된 각종 데이터를 판독하는 한편, 결재하고자 하는 금액을 사용자에 의하여 키패드를 통하여 입력하게 된다.First, in the present invention, a card reader (not shown in the drawing) included in the credit card inquiry machine 102 reads various data recorded on a credit card to be settled, and pays an amount of money through a keypad by a user. Will be entered.
이와 같이 카드 판독기에 의하여 입력된 승인 받고자 하는 신용카드에 관한 정보 및 금액에 관한 정보를 정보변환장치(101)를 통하여 이동통신 단말기(100)에서 검지하도록 데이터 변환·출력하게 된다.In this way, the data is converted and outputted so that the mobile communication terminal 100 detects the information about the credit card and the amount of money inputted by the card reader through the information conversion apparatus 101.
즉, 중앙처리장치(101c)의 제어에 의하여 정보변환장치(101)의 제 1 데이터 변환부(101a)를 구동시켜, 데이터 변환, 예컨대 코드분할 다중접속(CDMA : Code Division Multi Access)과 같은 방식의 이동통신 단말기(100)에서 인식할 수 있도록 변환하게 된다.That is, the first data conversion unit 101a of the information conversion apparatus 101 is driven by the control of the central processing unit 101c to convert the data, for example, a scheme such as code division multiple access (CDMA). The conversion is to be recognized by the mobile communication terminal 100.
변환된 정보는 안테나(ANT)를 통하여 해당 기지국(105)으로 전송되고, 기지국(105)에서는 해당 신용카드사(104)에 전송하여 결재 요청된 신용카드에 대한 정보에 의하여 결재하고자 하는 금액에 대하여 승인 여부를 결정하게 된다.The converted information is transmitted to the base station 105 through the antenna ANT, and the base station 105 transmits the credit card company 104 to the credit card company 104 to approve the amount to be paid by the information on the credit card requested for payment. The decision is made.
신용카드사(104)에서의 승인 여부의 결정 정보는 다시 공중전화망을 통하여 해당 기지국(105)으로 전송되고, 기지국(105)에서는 요청된 이동통신 단말기(100)로 승인여부 정보를 송신하게 된다.The determination information of the approval of the credit card company 104 is again transmitted to the base station 105 through the public telephone network, and the base station 105 transmits the approval status information to the requested mobile communication terminal 100.
이동통신 단말기(100)는 안테나(ANT)를 통하여 입력한 후 해당 데이터를 CDMA와 같은 방식의 데이터로 변환 검출하게 된다. 이와 같이 이동통신 단말기(100)에서 검출된 데이터는 중앙처리장치(101c)의 제어에 의하여 정보변환장치(101)의 제 2 데이터 변환부(100b)에서 신용카드 조회기(102)에서 검지할 수 있도록 변환한다.The mobile communication terminal 100 inputs through an antenna ANT and converts and detects the corresponding data into data in a CDMA-like manner. In this way, the data detected by the mobile communication terminal 100 can be detected by the credit card inquiry machine 102 by the second data conversion unit 100b of the information conversion apparatus 101 under the control of the central processing unit 101c. To convert.
신용카드 조회기(102)에서는 신용카드사(104)로부터 이동통신 단말기(100)와 제 2 데이터 변환부(101b)를 통하여 입력된 정보를 확인한 후, 이를 프린터(도면에 미도시)를 통하여 영수지에 프린팅하여 신용카드 소지자에게 확인시킴으로써, 신용카드에 의한 결재를 완료하게 된다.The credit card checker 102 checks the information input from the credit card company 104 through the mobile communication terminal 100 and the second data conversion unit 101b, and then sends it to the resin through a printer (not shown). By printing and confirming with the credit card holder, the payment by credit card is completed.
여기서, 중앙처리장치(101c)의 제어에 의하여 메모리(101d)에 각 신용카드에 관한 조회 결과를 일시 저장한다. 이는 시스템의 오류 또는 통신상의 오류 등으로 발생되는 데이터 에러에 의하여 재확인이 어렵기 때문에, 추후 다시 확인이 가능하도록 하기 위하여 항상 마지막 정보를 저장하여 보존하기 위함이다.Here, under the control of the central processing unit 101c, the inquiry result for each credit card is temporarily stored in the memory 101d. This is because it is difficult to reconfirm by a data error caused by a system error or a communication error, so that the last information is always stored and stored in order to be able to check again later.
한편, 신용카드 조회기(102)에서 승인된 결재금액 또는 각종 조회결과를 플로피 디스크(FDD)와 같은 외부정보 저장장치(103)를 통하여 저장한다. 저장된 정보는 매일 또는 주간, 월간 등으로 통계 등의 자료로 직접 사용하도록 한다.Meanwhile, the payment amount or various inquiry results approved by the credit card inquiry machine 102 are stored through an external information storage device 103 such as a floppy disk FDD. Stored information can be used as data such as statistics daily, weekly or monthly.
이상에서 설명한 바와 같이 본 발명은 물품의 구매 등의 비용 발생에 대하여 신용카드로 결재하고자 할 경우, 신용카드 조회기로 판독한 신용카드 정보를 이동통신 단말기를 통하여 신용 카드사에 무선으로 송신하고, 결재에 대한 승인 결과를 무선으로 수신하도록 함으로써, 신용카드 결재 단말기를 소형화하여 휴대가 간편하도록 하며, 장소나 시간의 제약없이 카드 결재가 가능한 효과가 있다. 특히, 소비자를 직접 방문하여 영업을 하는 외판원의 경우 카드 결재를 위하여 소비자의 전화를 사용하여 승인을 받는 불편함이나, 각종 신용 카드사의 결재용지를 소지하고 다녀야 하는 불편함이 해소되는 효과가 있다.As described above, the present invention is to wirelessly transmit the credit card information read by the credit card inquiry to the credit card company through the mobile communication terminal to pay for the occurrence of the cost, such as the purchase of goods. By wirelessly receiving the approval result, the credit card payment terminal can be miniaturized for easy portability, and the card payment can be performed without restriction of a place or time. In particular, in the case of a salesman who directly visits and operates a consumer, the inconvenience of receiving approval by using the telephone of the consumer for payment of the card or the inconvenience of having to carry payment papers of various credit card companies is eliminated.
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| KR1019980002290A KR19990066397A (en) | 1998-01-26 | 1998-01-26 | Data conversion device between credit card inquiry and mobile communication terminal |
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