KR20070118716A - Recording medium, characterized in that the cash receipt processing terminal device and the cash receipt processing program recorded - Google Patents

Abstract

The present invention relates to a recording medium which records a cash receipt processing terminal device and a cash receipt processing program. The cash receipt processing terminal device according to the present invention provides personal identification information (or RF ID information) through RF communication. An RF reader unit for receiving personal identification information (or RF ID information) from a tag included therein, a specialized processing unit for generating a predetermined cash receipt issuance request message using the received personal identification information (or RF ID information); And a communication processor for transmitting the generated telegram to a server on a communication network, and a controller for controlling a function of each component.

Description

Recording medium characterized in that the cash receipt processing terminal device and the cash receipt processing program is recorded {Terminal Devices for Processing Cash Receipt and Recording Medium}

1 is a view showing a preferred functional configuration of the payment terminal device for processing the RFID cash receipt provided in the merchant in accordance with the embodiment of the present invention.

2 is a diagram illustrating a detailed configuration of an RF reader according to an embodiment of the present invention.

3 is a diagram illustrating a process of receiving identity proof information from a customer identity proof information providing means according to an embodiment of the present invention.

4 is a diagram illustrating a process of receiving identity proof information from a means for providing customer identity information according to another embodiment of the present invention.

5 is a diagram illustrating a process of processing a cash receipt containing a customer identification information according to another embodiment of the present invention.

6 is a diagram illustrating a structure of a cash receipt approval request generated by the payment terminal device according to an embodiment of the present invention.

<Description of main parts of drawing>

100: payment terminal device 105: control unit

110: card reader 115: screen output

120: key input unit 125: power supply unit

130: communication processing unit 135: security application module

140: print output unit 145: printing apparatus

150: memory unit 155: RF reader unit

160: operation mode check unit 165: information receiving unit

170: professional generation unit 175: professional processing unit

180: RF interface

The present invention, when paying for the goods sold at the merchant, the proof of identity required for cash receipt processing (for example, card number, social security number, driver's license number, telephone number information, etc.) of the customer's proof information providing means (for example, And a payment terminal device provided with RF communication from a card (or a wireless IC chip, etc.) equipped with an RF communication function or an RFID tag, and processing a cash receipt using the provided proof of identity. It is about.

The cash receipt system is a system that provides income deduction or tax credit for a certain amount of cash receipts. It was implemented on January 1, 2005 to clarify cash transactions and to impose taxes transparently.

Issuance of cash receipts should be made for more than 5,000 won per case, but must present a card, social security card or mobile phone number. The cards used at this time include credit cards, earning cards, membership cards, and other cards designated by the IRS.

In addition, cash receipts are issued to credit card terminals, and the contents of 'cash (income deduction)' or 'cash (proof of expenditure)' are written at the top of the receipt to distinguish them from the card receipt. If you are a business, your proof of expenditure is displayed. Also at the bottom is the telephone number of the consultation center and the internet homepage.

For this cash receipt system to take root, the cash receipt process needs to be more efficient for the customer. For example, in order to receive a cash receipt, the customer has to call his / her ID card or mobile phone number to the cashier, so there is inconvenience and there is a risk of personal information leakage.

In addition, the business owner issuing a cash receipt, because the payment processing time is longer than the conventional cash payment or credit card payment, there was a problem that the payment processing is further delayed during the weekend or other crowded time.

An object of the present invention for solving the above problems is by using a card (or wireless IC chip) or RFID tag that previously stored personal information (eg, social security number, mobile number, etc.) that was previously provided by a customer by handwriting or verbally, The present invention provides a payment terminal device for more convenient and efficient cash receipt processing.

A cash receipt processing terminal device according to the present invention comprises: an RF reader unit for receiving personal identification information (or card unique information) from a card having personal identification information through RF communication; A specialized processing unit which generates a predetermined cash receipt issuing request message by using the received personal identification information (or card unique information); A communication processor for transmitting the generated telegram to a server on a communication network; And a control unit for controlling the functions of the respective configuration units.

In addition, the cash receipt processing terminal apparatus according to the present invention, RF reader unit for receiving the wireless terminal unique number information from the wireless terminal through the RF communication; A specialized processor configured to generate a predetermined request for issuing a cash receipt using the received wireless terminal unique number information; A communication processor for transmitting the generated telegram to a server on a communication network; And a control unit for controlling the functions of the respective configuration units.

In addition, the cash receipt processing terminal apparatus according to the present invention, RF reader unit for receiving personal identification information (or RF ID information) from a tag having personal identification information (or RF ID information) through RF communication; A professional processing unit for generating a predetermined cash receipt issuing request message using the received personal identification information (or RF ID information); A communication processor for transmitting the generated telegram to a server on a communication network; And a control unit for controlling the functions of the respective configuration units.

On the other hand, according to the present invention, the cash receipt processing terminal device is characterized in that it comprises a POS terminal device, CAT terminal device, wired terminal device, and at least one wireless terminal device.

On the other hand, the present invention includes a recording medium characterized by recording a program for executing the function of the cash receipt processing terminal device described above.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention.

However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below.

In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention.

If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a view showing a preferred functional configuration of the payment terminal device 100 for processing an RFID cash receipt provided in an affiliated store according to an embodiment of the present invention.

In more detail, Figure 1 shows proof of identity required for cash receipt processing (e.g., card number, social security number, driver's license number, telephone number information) when paying for goods sold at an affiliated store equipped with the payment terminal device 100. Etc.) is provided through RF communication from the payment customer's self-evidence information providing means (for example, a card (or wireless IC chip) having an RF communication function, etc.) or an RFID tag, and uses the provided self-evidence information. As an embodiment of a payment terminal device 100 having a function of processing a cash receipt approval, those skilled in the art to which the present invention pertains, refer to and / or modify the present invention The additional functional configuration of the payment terminal device 100 provided in the affiliated store may be inferred, but the technical features of the present invention are limited by this drawing 1. Rather, bayida put out that that includes all the embodiments in which the inference method.

For example, payment customer information required for cash receipt processing is generally input to the payment terminal device 100 through presentation of a resident registration card, a driver's license, a mobile phone number, a credit card, a credit card, etc. According to the implementation method, the payment terminal device 100 shown may receive the at least one payment customer information through a predetermined RF communication from the self-evidence information providing means that records at least one payment customer information required for the cash receipt processing. It is characterized in that the processing of receipt of cash receipts received, the means for providing proof of identity information includes, but is not limited to, a portable terminal (such as a mobile phone) or an RFID tag equipped with a card or a wireless IC chip capable of RF communication.

Referring to FIG. 1, the payment terminal 100 for processing a RFID cash receipt is basically a control unit 105, a memory unit 150, a card reader unit 110, a key input unit 120, and a screen output unit 115. And a power supply unit 125 for supplying power to the communication processing unit 130, the security application module 135, the print output unit 140, the RF reader unit 155, and the payment terminal device 100. And at least one or more terminal functional units (not shown) according to the intention of the skilled person.

The controller 105 controls the overall operation of the RFID cash receipt payment terminal 100 for function configuration, manages the flow of information or data between each component, and the payment terminal 100 is provided. When paying for a product sold at an affiliated merchant, RF information is sent from the means of providing the personal identification information of the payment customer to provide proof of identity (e.g., card number, social security number, driver's license number, telephone number information, etc.) required for cash receipt processing. It is characterized in that it controls the components provided in the payment terminal device 100 for the function to process the receipt of cash receipts received, and includes a hardware (Central Processing Unit) / MPU (Micro Processing Unit) At least one processor and execution memory (e.g., registers and / or random access memory (RAM)) and a bus for inputting and outputting predetermined data. And it characterized in that formed.

In addition, the control unit 105 is a predetermined program routine that is loaded (loaded) from a predetermined recording medium into the execution memory in order to perform a function specific to the payment terminal device 100 by software and arithmetic processing by the processor ( And / or program data (therefore, at the time of payment for goods sold at the merchant equipped with the payment terminal device 100, proof of identity required for cash receipt processing (e.g. card number, social security number, driver's license) Number, telephone number information, etc.) is recorded on a recording medium provided in the payment terminal device 100 in order to perform a function of processing the receipt of cash receipt received from the payment customer's self-evidence information providing means through RF communication. Software from among the functional configuration provided in the payment terminal device 100 for a predetermined program and / or the above functions. The components which can be processed as shown in the control unit 105 will be shown).

According to the exemplary embodiment of the present invention, the control unit 105 includes components (for example, the memory unit 150, the card reader unit 110, the key input unit 120, and the screen) provided in the payment terminal device 100. The payment terminal device by interworking the output unit 115, the communication processing unit 130, the security application module 135 and the print output unit 140 and / or the terminal functional unit (not shown) according to the intention of those skilled in the art Control and manage the provision of the electronic payment service defined in (100).

In addition, the control unit 105 at the time of payment for goods sold in the affiliated store equipped with the payment terminal device 100 according to the present invention, proof of identity required for cash receipt processing (for example, card number, social security number, driver's license) Number, telephone number information, etc.) from the customer's self-evidence information providing means (e.g., a card (or wireless IC chip) or RFID tag equipped with RF communication function) via RF communication to process the cash receipt approval In order to control the components provided in the payment terminal device 100 interoperate with each other, and / or at the time of payment for the goods sold in the affiliated store equipped with the payment terminal device 100, required for processing a cash receipt Proof of identity information (e.g., card number, social security number, driver's license number, telephone number information, etc.) is transmitted from the payment customer's identity proof information providing means. It is preferable to execute a program recorded in a recording medium provided in the payment terminal device 100 in order to process the cash receipt received through the scene.

The memory unit 150 inputs and outputs when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the payment terminal device 100 is performed. General term of non-volatile memory for storing information or data), including at least hardware-based electrically erasable and programmable read only memory (EEPROM) and / or flash memory (FM) and / or hard disk drive (HDD). It comprises one or more storage means.

In addition, the memory unit 150 is a predetermined program routine and program data required for the control unit 105 to perform a predetermined control function (for example, the program routine is input or output to perform a predetermined function) Data) is stored.

According to the present invention, the memory unit 150 at the time of payment for goods sold in the affiliated store equipped with the payment terminal device 100 according to the present invention, proof of identity required for cash receipt processing (for example, card number , Resident registration number, driver's license number, telephone number information, etc.) is read from the memory constituting the memory unit 150 to receive a cash receipt processing approval from the payment customer's self-evidence information providing means through RF communication. Store product information and merchant information on the products sold in the merchant having the payment terminal device 100 in the / write memory area.

In addition, as shown in FIG. 1, the memory unit 150 may provide proof of identity (eg, a card) required for processing a cash receipt upon payment for a product sold at an affiliated store equipped with the payment terminal device 100. Information, telephone number information, resident registration information, driver's license information, etc.) from the payment customer's self-evidence information providing means through RF communication to process the cash receipt processing approval, the memory constituting the memory unit 150 The merchant payment terminal device 100 (or terminal) information may be stored in at least one of the read only memory (ROM) areas or the read / write memory areas.

When the payment terminal device 100 information is provided in the affiliated store in the manufacturing process of the payment terminal device 100 or installed in the affiliated store to confirm the payment terminal device 100 for issuing a cash receipt according to the present invention. It comprises at least one or more of a unique number and / or device serial number and / or ESN (Electronic Serial Number) is assigned, the full text of a predetermined payment approval request generated from the payment terminal device 100 (for example, cash receipt processing) Cash receipt operators (e.g., bansa or card companies or mobile carriers, bank account transfer brokers, POS system operators, etc.) that receive the full approval request, etc. are requested by the payment terminal device 100 through the terminal information. Characterized in that the merchant (or the merchant requesting the approval of electronic payment) to be confirmed.

To this end, the cash receipt operator (for example, a bansa or card company or a mobile communication company, a bank account transfer broker, a POS system operator, etc.) processes the terminal information and the affiliated store information provided with the payment terminal device 100 in a predetermined database. Is preferably stored.

According to another exemplary embodiment of the present invention, the payment terminal device 100 information may further include the affiliated store information, whereby the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, at least one or more memory areas of the read-only memory area and / or the read / write memory area of the memory unit 150 may store terminal information for cash receipt processing provided at an affiliate store. In addition, it is possible to store the terminal information for cash receipt processing in at least one or more memory areas of a read-only memory area and / or a read / write memory area of the memory unit 150, whereby the present invention is not limited thereto.

According to the present invention, when paying for the goods sold in the affiliated store equipped with the payment terminal device 100 according to the present invention through the payment terminal device 100, the customer requesting cash receipt processing is ISO / IEC 7810 Magnetic stripe (MS) card based on the standard, and / or contact IC card (or wireless IC chip) based on the ISO / IEC 7816 standard, and / or contactless IC card (or wireless) based on the ISO / IEC 14443 standard. It is preferable to possess (or own) a card or a wireless terminal including at least one IC chip, and the card reader unit 110 provided in the payment terminal device 100 is provided in the card or wireless terminal. It is characterized by providing an interface for reading at least one or more information or data (for example, card number, social security number, driver's license number, telephone number information, etc.).

According to an embodiment of the present invention, the card reader unit 110 may include a contactless IC reader unit for providing an interface between the contactless IC card and the payment terminal device 100, the contact IC card, and the payment terminal device 100. ) May include a contact IC reader unit providing an interface between the terminal and / or an MS reader unit providing an interface between the MS card and the payment terminal device 100.

According to an embodiment of the present invention, the payment customer uses the contactless IC card in which the personal identification information (eg, card number, social security number, driver's license number, phone number information, etc.) is stored as the customer's main authentication name means. In order to obtain the authentication name information from the customer contactless IC card, the contactless IC reader unit is based on ISO / IEC 14443. It comprises at least one antenna that makes electrical contact with the non-contact, the power supply to the IC chip of the IC card through the antenna, the payment customer through the half-duplex transaction using the APDU Interfacing information or data stored in the IC chip of the card or the wireless terminal to the payment terminal device 100 Characterized in that.

In addition, 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, and includes predetermined information (eg, magnetization). As the binary data, the MS card recorded with the card number, social security number, driver's license number, telephone number information, etc. according to the present invention moves in a predetermined direction in close contact with the magnetic head (or the magnetic head has a predetermined value). When the information is moved in close contact with the recorded MS card, the predetermined information or data is acquired from at least one track provided in the MS of the MS card by using a predetermined electrical signal loaded on the magnetic head. It is characterized in that the interface to the payment terminal device (100).

In addition, the contact IC reader unit is a card reader unit 110 based on ISO / IEC 7816, and at least one contact point that makes electrical contact with a chip on board (COB) provided in the contact IC card. And a predetermined information stored in the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit), and supplying power to the IC chip of the IC card through the contact point. Alternatively, the data may be interfaced to the payment terminal device 100.

In addition, the card reader unit 110 may provide predetermined card information (eg, a credit card provided on the card, a check) from at least one or more card reader units 110 for the electronic payment service defined in the payment terminal device 100. Payment means information corresponding to a payment means including at least one of a card, a debit card, a cash card, and a financial account.

The key input unit 120 is provided with at least one key button including at least one or more number keys and / or character keys and / or function keys. Detects information (or signal) input from the key input device of the controller and changes the input mode and / or operation mode of the payment terminal device 100 in cooperation with the controller 105 based on the information (or signal). (Or switch) and / or predetermined information from a predetermined key button provided in the key input device in a specific input mode and / or operation mode of the payment terminal device 100 controlled by the control unit 105. When (or a signal) is input, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 105.

At this time, the control unit 105 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the payment terminal device 100, and / or is matched with the key event and defined. And obtaining a command for executing a predetermined function.

The key input unit 120 and the key input device having at least one key button interoperate with each other to perform a function of key input means provided in the payment terminal device 100, wherein the key input device includes at least one key input device. A keypad device having numeric keys and function keys, and / or a keyboard device having at least one numeric and character keys (e.g., English letter keys and / or Korean letter keys) and function keys, and / or the screen It is preferable to include at least one touch screen device having at least one numeric key and a function key, and / or at least one numeric key, a character key, and a function key in conjunction with the output means.

According to the method of the present invention, the key input unit 120, when paying for the goods sold in the affiliated store equipped with the payment terminal device 100 according to the present invention, proof of identity required for cash receipt processing (for example, Card number, resident registration number, driver's license number, telephone number information, etc.) received from the payment customer card or wireless terminal through RF communication, etc., the operation mode of the payment terminal device 100 for the cash receipt processing cash receipt processing mode It is preferable to change (or switch) to or to perform a cash receipt processing start command, for this purpose, the key input device is provided with a key button for changing (or switching) the cash receipt processing operation mode, or the key The cash receipt processing mode in which one of the key buttons (for example, the number '9' key button) provided in the input device is pressed. It is possible to use as a key button for a diameter (or conversion).

In addition, the key input unit 120 receives a cash receipt from the customer card or the wireless terminal by an RF communication protocol defined between the payment terminal device 100 and the customer card (or wireless IC chip) in the cash receipt processing mode. It may also perform the function of a predetermined key input means for activating a function for receiving the predetermined information or data (e.g., card number, social security number, driver's license number, telephone number information, etc.) required for processing.

For example, in the cash receipt processing operation mode, when the payment customer approaches the card reader part provided in the payment terminal device 100 (for example, a contactless IC chip), the proofing information providing means (for example, a card or a wireless terminal) is provided. If a predetermined function key button is selected, at least one person required for cash receipt processing from the means for providing proof of identity information (e.g., card, wireless terminal, RFID tag, etc.) of the payment customer who has approached the card reader unit. Proof information (eg, card number, social security number, driver's license number, telephone number information, etc.) may be provided.

The screen output unit 115 is the LCD terminal by the control unit 105 in the process of the payment terminal device 100 performs a predetermined function (for example, electronic payment processing function, cash receipt processing function, etc.) using the card ( Outputting at least one or more information or data which are predefined or defined in real time to be output to a predetermined display device including a liquid crystal display (CRT) and / or a cathode ray tube (CRT) through a predefined interface screen The screen output unit 115 and the screen output device interoperate with each other to perform a function of the screen output means provided in the payment terminal device 100.

Predefined information or data to be output from the payment terminal device 100 to the screen output device, the key data input through the key input unit 120, and / or is provided in the payment terminal device 100 Information (or data) stored or generated by a component, information (or data) transmitted / received through the communication processing unit 130, and / or information corresponding to a predetermined operation result performed by the payment terminal device 100. (Or data) comprising at least one.

According to a preferred embodiment of the present invention, when the screen output unit 115 changes (or switches) the operation mode of the payment terminal device 100 to a cash receipt processing operation mode, the screen output unit 115 corresponds to the cash receipt processing operation mode. It is preferable to perform the function of the screen output means for outputting the electronic payment processing screen according to each electronic payment step to the screen output device for the electronic payment service and cash receipt processing service.

For example, the screen output unit 115 is the payment terminal device 100 is switched to the cash receipt processing operation mode according to the present invention, at least one or more personal identification information required for issuing a cash receipt from the customer card or wireless terminal (E.g., card number, social security number, driver's license number, telephone number information, etc.), performing a cash receipt approval request using the received at least one piece of personal identification information, and receiving the cash receipt approval request. The process of receiving a response and a process of issuing (or outputting) a cash receipt for the cash receipt approval request may be output in stages.

The communication processing unit 130 may be a terminal (or server) on a payment network (eg, a value added network (VAN)) during the payment terminal device 100 performing a predetermined function (eg, a cash receipt processing function) and And / or a communication session with a terminal (or device) connected to the payment terminal device 100 through a predetermined cable and / or a terminal (or device) connected to the payment terminal device 100 through a predetermined short-range wireless communication. It is characterized in that it provides a predetermined communication means for connecting.

The RF reader unit 155 is the cash from the card or the wireless terminal of the payment customer that includes at least one piece of personal identification information (for example, card information, telephone number information, resident registration information, driver's license information, etc.) according to the present invention. In order to receive payment customer identification information (eg, card number, social security number, driver's license number, telephone number information, etc.) for receipt processing, a predetermined radio wave is transmitted to the RFID tag in which the identification information provided by the customer is recorded. An electronic circuit that emits or receives, an antenna that emits and / or accepts radio waves of a specific frequency to the RFID tag in association with the electronic circuit, and a signal received from the RFID tag to read predetermined data. It may be configured to include a microcontroller for extracting and checking (Check), a more detailed description of the RF reader unit Technologies will be a drawing of the second group.

Referring to FIG. 1, the communication processing unit 130 is a network communication unit for connecting a predetermined communication channel with a server (or device) on a wired or wireless network, and / or a predetermined terminal (or device) through a predetermined cable communication port. And a short range wireless communication unit for connecting a predetermined short distance communication terminal (or device) device to a predetermined communication session through at least one short range wireless communication means, and / or a cable communication unit for connecting a communication session with a predetermined communication session. It comprises a communication protocol and / or a driver for connecting the communication channel (or communication session) in software.

The network communication unit of the communication processing unit 130 includes a predetermined wired network including a value added network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). And / or to connect a communication channel with a server (or device) on a wired or wireless network through a predetermined wireless network including a mobile communication network or a wireless data communication network.

The network communication unit may include a modem or a network interface card (NIC) for connecting the payment terminal device 100 to a predetermined wired / wireless network in hardware. A communication protocol and / or a driver for connecting the device 100 to the wired or wireless network.

The cable communication unit of the communication processing unit 130 connects a communication session with a predetermined cable communication terminal (or device) through a predetermined cable communication (eg, RS-232c, Universal Serial Bus (USB)), It comprises a predetermined cable communication port to which the cable is connected in hardware, and comprises a communication protocol and / or driver for the cable communication in software.

According to one embodiment of the present invention, the cable communication terminal (or device) preferably comprises a point of sales (POS) terminal connected to the payment terminal device 100 through a predetermined cable communication. In this case, the payment terminal device 100 may receive payment information including a cash receipt processing amount corresponding to the merchant selling product from the POS terminal.

According to another exemplary embodiment of the present invention, the cable communication terminal (or device) may include a barcode reader (not shown) connected to the payment terminal device 100 through a predetermined cable communication. In this case, the payment terminal device 100 may receive product code information corresponding to barcode information of the product.

The short range wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), Wi-Fi (Wi-Fi), and Universal Serial Bus (USB). Characterized in that to connect a predetermined terminal (or device) and a short-range wireless communication session through at least one or more short-range wireless communication means, the hardware includes the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB And a predetermined short range wireless communication module for short range wireless communication, and includes a communication protocol and / or a driver for the short range wireless communication in software.

The secure application module (SAM) 135 is a confidentiality and / or required by the payment terminal device 100 to perform a cash receipt payment using the card (or wireless IC chip). Security requirements, including authentication and / or integrity and / or nonrepudiation, may be applied within the payment terminal device 100 without using an authentication server (or payment server) on a payment network. As a safety device for performing a safe and reliable structure, a predetermined message (information) processed in the process of the payment terminal device 100 performing a predetermined security request function (for example, electronic payment and / or electronic payment function). Or in the process of encrypting or decrypting data), adding an authenticator to prevent forgery (or tampering) of the message, or performing the security request function. It characterized in that it performs the function of storing the key information.

In general, the security application module 135 is preferably composed of a predetermined security application module 135 inserter and a security application module 135 chip, the security application module 135 chip is a chip containing at least 8-bit CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

In addition, the security application module 135 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value required for the payment terminal device 100 to perform a predetermined security request function) And / or keys (e.g., one master key and at least one application key) and / or protocols (e.g., trading protocols, re-transaction protocols, immediate transaction cancellation protocols, collection protocols, SAM issuance protocols, (e.g. Card company) registration protocol, authorization acquisition protocol, mode switching protocol, key download protocol, SAM revocation protocol) and / or commands (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / discard / Initialization / reprocessing / cancellation command).

The print output unit 140 may process the payment terminal device 100 to perform a predetermined function (for example, a cash receipt processing function) and / or predetermined information or data generated as a result (for example, payment processing result information). Or data) to a predetermined printing device (eg, a receipt printer), and a printing protocol for printing the printing information or data through the predetermined printing device 145 in accordance with a predefined printing form. And a driver.

Referring to FIG. 1, the payment terminal device 100 may provide identification information (eg, a card number and a social security number) required for payment processing for a product sold at an affiliated store equipped with the payment terminal device 100 according to the present invention. (Operation license number, phone number information, etc.) received through RF communication to process a cash receipt, an operation mode check unit for confirming an operation mode of the payment terminal device 100 in conjunction with the key input unit 120 ( 160 and when the operation mode of the payment terminal device 100 is linked to the card reader 110 in a cash receipt processing mode (for example, when a cash receipt processing start button (or menu) is selected), An information receiver 165 for receiving / acquiring customer proof information (eg, card number, social security number, driver's license number, telephone number information, etc.) for processing a cash receipt from a payment customer card (or wireless terminal); When the operation mode of the payment terminal device 100 is linked to the RF reader unit 155 is a cash receipt processing mode (for example, when a cash receipt processing start button (or menu) is selected), the person of the payment customer An RF interface unit 180 for receiving / acquiring the customer proof information for cash receipt processing from an RFID tag in which proof information (for example, card number, social security number, driver's license number, telephone number information, etc.) is recorded, and the payment terminal In the cash receipt processing mode of the device 100, the payment customer identification information received (or obtained) from the payment customer card (or wireless terminal) or the RFID tag (for example, card number, social security number, driver's license number, and telephone number information). Etc.) and the prefecture to be transmitted to the cash receipt operator using the merchant information and the payment terminal device 100 information extracted from the payment terminal device 100 and the memory unit 150. A cash receipt operator (eg, a cash receipt operator) for generating a receipt processing approval request full text and a cash receipt processing approval request text generated by the text generation unit 170 in conjunction with the communication processing unit 130 through a payment network. , A van, etc.), and receive a predetermined approval response message corresponding to the cash receipt processing approval request message from the payment network, and display the screen output unit 115 with information included in the received approval response message. It is characterized in that it comprises a specialized processing unit 175 to output through, and / or output through the print output unit 140.

The operation mode check unit 160 is interlocked with the key input unit 120 when the operation mode of the payment terminal device 100 is settled at the merchant sold in the affiliated store equipped with the payment terminal device 100, It is characterized by checking whether it is cash receipt processing or credit card payment processing mode or debit card payment processing mode.

According to the exemplary embodiment of the present invention, the operation mode checking unit 160 confirms whether the operation mode of the payment terminal device 100 is a cash receipt processing mode through a key input unit. (Or a menu, etc.) may be possible through the selection process, but is not limited thereto. For example, when the payment terminal device 100 is a cash receipt dedicated payment terminal device 100, the operation mode checking unit 160 and the operation mode checking process may be omitted.

The information receiving unit 165, when the operation mode of the payment terminal device 100 is confirmed as the cash receipt processing mode through the operation mode check unit 160, the card reader unit 110 (for example, contactless IC reader) Unit), proof of identity (e.g. card number, social security number, driver's license number, telephone) required for cash receipt processing from a card (e.g., a contactless IC card or a wireless IC chip) capable of RF communication of the payment customer. Number information, etc.), and the provided proof of identity is transferred to the full text generation unit 170.

The RF interface unit 180 interoperates with the RF reader unit 155 to obtain identification information (eg, card number, social security number, driver's license number, telephone number information, etc.) of the payment customer from the RFID tag of the payment customer. It is preferable to receive / acquire, and the proof information (e.g., card number, social security number, driver's license number, phone number information, etc.) of the received payment customer is provided to the full text generation unit 170.

The full text generation unit 170 receives information (for example, cash receipt processing amount, etc.) input through the key input unit 120 and information received / acquired through the information receiving unit 160 or the RF interface unit 180 (for example, Characterized in that for generating a full text corresponding to each operation mode (for example, cash receipt processing mode) of the payment terminal device 100 based on the payment customer's proof information, etc., wherein the generated full text is generated at the affiliated store. It is characterized in that it includes a full receipt of cash receipt processing approval request and / or a full cancellation of approval for the goods sold.

When the operation mode of the payment terminal device 100 is the cash receipt processing mode, the cash receipt processing mode of the payment terminal device 100 is started through the key input unit 120, and the amount of money information to be processed for the cash receipt is entered. After input, the payment customer's main authentication information required for cash receipt processing through the information receiving unit 160 or the RF interface is provided by the customer's proof information providing means (for example, a card having an RF communication function (or a wireless IC chip). ) Or when received or obtained from an RFID tag, etc.), a cash receipt approval request including the received proof information (for example, card number, social security number, driver's license number, telephone number information, etc.) and cash receipt authorization request amount It generates a telegram and deliver it to the specialized processor 175.

The specialized processing unit 175 transmits the cash receipt approval request text generated by the professional generating unit 170 to the cash receipt operator server on the payment network through the network communication unit of the communication processing unit 130, and the cash receipt operator Receives a predetermined cash receipt approval response message corresponding to the transmitted cash receipt approval request message from a server, and outputs the information included in the received text message in conjunction with the screen output unit 115, or the printout. In conjunction with the unit 140, characterized in that for outputting the information contained in the received full text.

2 illustrates a detailed configuration of an RF reader according to an embodiment of the present invention.

FIG. 2 is a diagram of an RF reader 155 provided in the payment terminal device 100 in a built-in type according to an embodiment of the present invention or externally interworking with the payment terminal device 100 as shown in FIG. 1. It is a figure which shows an internal structure.

2, when the payment terminal device 100 is provided with the RF reader 155, the RF interface 180 may include at least one of the network communication channel and / or the cable communication channel and / or the short range communication channel. It is preferable to interface with the RF reader 155 through the above communication channel.

According to another exemplary embodiment of the present invention, when the payment terminal device 100 is built-in, the RF interface may be connected to the RF reader through a predetermined data bus and / or a printed circuit board (PCB) circuit. 155).

Referring to FIG. 2, the RF reader 155 emits radio waves of a specific frequency to the RFID tag in association with the electronic circuit, and an electronic circuit that emits or receives a predetermined radio wave toward at least one RFID tag. And / or an antenna to accept and a microcontroller to extract and check predetermined data by reading a signal received from the RFID tag.

In addition, the functional configuration of the RF reader 155 shown in FIG. 2 interacts with at least one RFID tag through a predetermined air interface defined in ISO / IEC 18000 series, and the payment terminal device through the RF interface. As to the RF reader 155 interworking with (100), it is to be understood that the functional configuration of the RF reader 155 for achieving the present invention is not limited to the case of FIG.

Referring to FIG. 2, the RF reader 155 may include an antenna unit 370 that transmits and receives a radio frequency signal of a predetermined frequency band (or supplies an energy source (power) to an RFID tag), and An interface unit 385 for interfacing predetermined information or data with the payment terminal device 100, and predetermined information or data provided from the payment terminal device 100 through the interface unit 385 as a radio frequency signal. The transmitting unit 380 converts and transmits the radio frequency signal received through the antenna unit 370, and converts the radio frequency signal received through the antenna unit 370 into a predetermined digital signal, through the interface unit 385. And a power supply 395 for supplying a predetermined power required for the RF reader 155 to operate.

According to an exemplary embodiment of the present invention, the power supply unit 395 may receive a predetermined power from the power supply unit 330 of the payment terminal device 100, or may separate power from the payment terminal device 100. It is possible to be supplied.

The antenna unit 370 enters a radio frequency region around the RF reader 155 (or approaches a radio frequency region) through a predetermined radio interface defined in the ISO / IEC 18000 series. The radio frequency signal transmitted from the RF reader 155 transmits a signal including a predetermined activation signal and / or information (or data), and / or is transmitted to the RFID tag by the transmitter 380. And transmits a predetermined radio frequency signal and / or receives a radio frequency signal from the RFID tag.

The interface unit 385 receives predetermined information or data to be included in the radio frequency signal transmitted from the payment terminal device 100 to the RFID tag through the antenna unit 370, and / or the antenna unit ( The payment terminal device 100 transmits information or data (eg, card number, social security number, driver's license number, phone number information, etc.) corresponding to a predetermined digital signal included in the radio frequency signal received from the RFID tag through 370. It is characterized by performing an interface function provided by).

According to an exemplary embodiment of the present invention, when the RF reader 155 interfaces with the payment terminal device 100 as an external type as shown in FIG. 2, the interface unit 385 may be configured to provide the network communication channel and / or cable. It is preferable to interface with the RF interface 310 of the payment terminal device 100 through at least one communication channel of the communication channel and / or short-range communication channel.

The transmitter 380 is a modulator for converting a predetermined radio frequency signal for transmitting a predetermined digital signal to the RFID tag through the antenna unit 370, and through the interface unit 385. When predetermined information or data to be provided to the RFID tag is provided from the payment terminal device 100 or when it is determined to transmit a predetermined signal to the RFID tag by an internal logic circuit, the digital corresponding to the information or data is provided. The digital signal corresponding to the signal and / or the determination result is converted into a predetermined radio frequency signal and transmitted through the antenna unit 370.

The receiver 375 is a demodulator for converting a radio frequency signal received through the antenna unit 370 into a predetermined digital signal, and demodulates a radio frequency signal received through the antenna unit 370. Generates a digital signal and provides predetermined information or data corresponding to the digital signal to the payment terminal device 100 through the interface unit 385.

3 is a diagram illustrating a process of receiving identity proof information from a means for providing client identity information according to an embodiment of the present invention.

In more detail, FIG. 3 shows proof of payment customer's identity required for cash receipt processing from a card (or wireless IC chip) in which payment customer's proof information is recorded in the payment terminal device 100 or 200 shown in FIG. As shown in the drawing, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify this drawing 3 from a card (or wireless IC chip) in which the customer's proof information is recorded. Various implementation methods may be inferred for the process of receiving payment customer's own proof information required for cash receipt processing, but the present invention includes all the implementation methods inferred above and is limited to the implementation method shown in FIG. Not.

Referring to FIG. 3, in the illustrated embodiment, when a customer purchases a tangible or intangible product at an affiliated store, and requests a cash receipt in a payment process (300), the payment terminal device (100) in the payment terminal device 100 may be started from the process of determining whether the operation mode is a cash receipt processing mode (305).

If it is not a payment terminal dedicated for cash receipt, the payment terminal device 100 may operate by distinguishing the credit settlement processing mode and the cash receipt processing mode, and at this time, a predetermined function key provided in the payment terminal device 100. A cash receipt processing mode may be initiated through input of (eg, cash receipt processing cash receipt processing mode key, etc.) (315).

On the other hand, if the payment terminal device 100 is a cash receipt processing dedicated terminal or a cash receipt processing mode has already been started (310), the payment terminal device 100 receives the cash receipt processing amount information 320 (320).

According to the present embodiment, the payment customer card (or wireless IC chip) having recorded payment customer identification information required for processing the cash receipt is approached to the card reader of the payment terminal device 100 (325). If power is supplied from the payment terminal device 100 to the payment customer card (or IC chip), and the communication connection between the card and the payment terminal device 100 is successful (330), the payment terminal device ( In step 335, the authentication request information stored in the payment customer card (or IC chip) is requested through the APDU to the payment customer card (or IC chip).

Here, the communication connection between the payment customer card (or IC chip) and the payment terminal device 100 is based on ISO / IEC 14443, through capacitive coupling and / or inductive coupling. This is possible because the electrical contact is connected to the contactless IC card in a noncontact manner.

In this process, an authentication process for authenticating the cardholder may be included, but will be omitted in the flowchart of this embodiment.

Thereafter, when the user authentication information previously stored in the payment customer card (or IC chip) is extracted (or confirmed) and transmitted to the payment terminal device 100 through the APDU (340), the payment terminal device 100 The card number or resident registration number or driving transmitted from the payment customer card (or IC chip) by grasping the attribute of the transmitted payment customer identification information (for example, card number, resident registration number, driver's license number, telephone number information, etc.). Check the license number or telephone number, and check the appropriate field in which the confirmed card number or social security number, or driver's license number or telephone number can be entered on the cash receipt approval request message generated through the process of FIG. Also, using the cash receipt processing amount information inputted to the payment terminal device 100, the entire cash receipt approval request request as shown in the process of Figure 5 below. Will be created.

4 is a diagram illustrating a process of receiving identity proof information from a means for providing customer identity information according to another embodiment of the present invention.

In more detail, FIG. 4 is a table in which payment customer identification information (eg, card number, social security number, driver's license number, phone number information, etc.) is recorded in the payment terminal device 100 or 200 shown in FIG. The process of receiving the proof of payment customer's identity required for cash receipt processing from the RFID tag of the present invention, and those skilled in the art to which the present invention pertains, refer to and / or modify this drawing 4 to pay. Various implementation methods for the process of receiving payment customer identification information required for cash receipt processing from an RFID tag in which customer identification information is recorded may be inferred, but the present invention includes all the implementation methods inferred above, It is not limited to the implementation method shown in FIG.

Referring to Figure 4, the illustrated embodiment, when a customer purchases a tangible or intangible merchandise at the merchant, and requests the cash receipt processing for payment (400), the payment terminal 100 in the payment terminal 100 Device 405 may be initiated from determining whether the operating mode is a cash receipt processing mode (405).

As described above, when the payment terminal is not a cash receipt-only payment terminal, the payment terminal device 100 may operate by distinguishing the credit settlement processing mode and the cash receipt processing mode, and in this case, the payment terminal device 100 is provided. The cash receipt processing mode may be started through input of a predetermined function key (eg, a cash receipt processing cash receipt processing mode key, etc.) (415).

On the other hand, if the payment terminal device 100 is a cash receipt processing dedicated terminal or a cash receipt processing mode has already been started (410), the payment terminal device 100 receives the cash receipt processing amount information (420).

According to the embodiment of the figure, an RFID tag in which the authentication information of the payment customer is recorded approaches the RF reader unit 155 of the payment terminal device 100 (425), and power is supplied to the RFID tag. When the RFID tag is activated (430), the payment terminal device 100 obtains the authentication authentication information previously stored in the RFID tag, and obtains the payment customer's own proof information and the received cash receipt processing amount information. By using the process of Figure 5 below to generate a full cash receipt approval request.

5 is a diagram illustrating a process of processing a cash receipt containing a customer identification information according to another embodiment of the present invention.

In more detail, FIG. 5 shows the payment customer's identity required for cash receipt processing from the payment customer card (or IC chip) or RFID tag in the payment terminal device 100 or 200 through the process of FIG. Receiving information and showing a process of performing a cash receipt process using the provided payment customer's own proof information, and those skilled in the art to which the present invention pertains, refer to FIG. 5 and / or It will be possible to infer a variety of implementation method for the cash receipt processing process using the customer's personal proof information by modifying, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG. No.

Referring to FIG. 5, at least one of a customer card (or a wireless IC chip) or an RFID tag from the customer card (or a wireless IC chip) or an RFID tag in the payment terminal device 100 through the process of FIGS. 3 to 4. In operation 500, the stored authentication information may be started.

When the authentication authentication information required for processing the cash receipt is received as a payment terminal, and the cash receipt processing amount information is input, the payment terminal device 100 receives the received authentication authentication information as shown in FIG. Included in the entry field of the cash receipt identification number of the specialist to be sent to the receipt operator server (505).

In addition, the payment terminal 100 includes the cash receipt processing amount inputted in the specialized payment amount input field to be transmitted to the cash receipt operator server as shown in Figure 6 (510), the cash receipt identification number and cash A full receipt of the cash receipt approval request including the receipt processing amount is generated (515).

Then, the payment terminal device 100 transmits the generated cash receipt approval request message to the cash receipt operator server through a network (520), and corresponds to the transmitted cash receipt approval request message from the cash receipt operator server. Receive full cash receipt approval response (525).

When the cash receipt approval response message is received, the payment terminal device 100 outputs the contents corresponding to the received cash receipt approval response message (eg, approval success, approval error, etc.) or outputs a cash receipt. Provided to the payment customer (530).

Figure 6 is a diagram illustrating a cash receipt approval request specialized structure generated by the payment terminal device 100 according to an embodiment of the present invention.

In more detail, Figure 6 illustrates a payment approval request specialized structure generated for processing a cash receipt of the payment customer based on a cash payment method in a predetermined payment terminal device (100) (200) having a cash receipt processing function. As an exemplary embodiment, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify this drawing 6 to make a payment approval request specialized structure corresponding to each payment means according to the intention to those skilled in the art. Although various embodiments of the present invention may be inferred, the present invention includes all the inferred implementation methods, and the payment approval request specialized structure generated by the payment terminal device 100 or 200 is illustrated in FIG. It is by no means limited to.

Referring to FIG. 6, the cash settlement approval request specialized structure includes at least one specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03). And a checksum (CRC-CCITT) for the specialized information after the terminating character.

The cash settlement approval request text may include transaction classification items related to the cash settlement (eg, "cash approval request", "cash cancellation", etc.) and terminal information corresponding to the payment terminal device (100) (200). The payment customer obtained from a predetermined card through a Terminal_ID item, a POS Entry Mode item, and a card reader provided in the payment terminal device (100) (200) or from a predetermined RFID tag through an RF reader (155). It includes TRACK II Data items corresponding to this certification information, and includes the total amount items and service charge items corresponding to cash payment information after a predetermined FS (File Separator, 0X1C). , A password item, a product code item for a sale product, and a document serial number item.

Those skilled in the art to which the present invention pertains can clearly understand the details of each item included in the full payment approval request based on the contents shown in FIG. Description is omitted.

According to the present invention, at the time of payment of goods, proof of identity required for cash receipt processing (e.g., card number, social security number, driver's license number, telephone number information, etc.) of the payment customer's identity proof information providing means (e.g., RF communication By receiving and processing through RF communication from a card (or wireless IC chip) having a function or an RFID tag, the customer can eliminate the inconvenience of manually inputting his or her proof information or calling it verbally. .

In addition, since proof of identity is not required to be entered orally orally, there is an advantage in that personal information exposure can be prevented in advance.

In addition, the operator issuing the cash receipt, there is an advantage that can effectively shorten the payment processing time because the electronic proof of the customer is provided.

Claims (5)

An RF reader unit for receiving personal identification information (or card unique information) from a card having personal identification information through RF communication; A specialized processing unit which generates a predetermined cash receipt issuing request message by using the received personal identification information (or card unique information); A communication processor for transmitting the generated telegram to a server on a communication network; And And a control unit for controlling the function of each component. RF reader unit for receiving the wireless terminal unique number information from the wireless terminal through the RF communication; A specialized processor configured to generate a predetermined request for issuing a cash receipt using the received wireless terminal unique number information; A communication processor for transmitting the generated telegram to a server on a communication network; And And a control unit for controlling the function of each component. An RF reader unit for receiving personal identification information (or RF ID information) from a tag having personal identification information (or RF ID information) through RF communication; A professional processing unit for generating a predetermined cash receipt issuing request message using the received personal identification information (or RF ID information); A communication processor for transmitting the generated telegram to a server on a communication network; And And a control unit for controlling the function of each component. According to any one of claims 1 to 3, The cash receipt processing terminal device, A cash receipt processing terminal device comprising a POS terminal device, a CAT terminal device, a wired terminal device, and at least one wireless terminal device. A recording medium which records a program for executing a function of the apparatus component of any one of claims 1 to 3.

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