KR20050077659A - Wire/wireless card inquiring terminal for cash and credit card and control method thereof - Google Patents

Abstract

The present invention relates to a wired / wireless card and a cash payment terminal. First, when a card is inserted, information recorded on the card is read to determine a communication mode. If the selected mode is the automatic selection mode, the communication method is selected according to the priority of the predetermined communication method, and if the manual mode is selected, the communication method is detected. The payment is processed using the card information and the payment amount information in the selected communication method. By doing so, the present invention supports card and cash payments in all communication environments, reduces the communication costs by selecting an efficient communication environment, and provides the convenience of payment processing at the customer's location.

Description

Wire / wireless card and cash payment terminal and control method {Wire / Wireless card inquiring terminal for cash and credit card and Control method

The present invention relates to a card payment terminal, and more particularly, to a structure of a portable card payment terminal supporting a credit card and a cash payment card using a wired and wireless / mobile communication network and a control method thereof.

The government decided to introduce the 'cash receipt card system' in a multi-purpose manner such as securing tax equity and increasing fiscal income, and decided it as a government policy plan. Accordingly, enormous market will be formed in smart card, terminal, card operating system (COS) and related services, and development of related system system is also expected to be accelerated. Currently, the credit card payment system is based on the network standard, and there are 15 domestic VAN (value-added telecommunications network) service providers using the wired network and the mobile communication service providers using the CDMA wireless network. If the 'cash receipt card system' is introduced, payment through wired network will be activated, but payment through wireless network is also expected to be activated. In particular, in the case of post-paid service, the rate of cash payment is higher than that of card payment, and thus, the necessity of a terminal for providing a credit / cash payment service at a customer's location will be increased.

Currently, two types of card payment terminals have been developed, a wired card inquiry system for processing payments using a wired network value added communication network (VAN) and a wireless card inquiry system for processing payments using a mobile communication service provider's PCS mobile communication network. In the case of fixed-line card inquiries, it is most widely used and expected to be used most even if a cash payment card system is introduced in the future, but it has mobility limitations when the scope of service is gradually expanded to the wired / wireless integrated environment. In addition, the inquiry system using a mobile communication network is currently using a payment method using a mobile phone. This method is convenient when a non-credit card customer makes a payment or pays a small amount of money, but it is different from the off-line card payment function. . In addition, since the telecommunication carrier charges the buyer along with the communication fee, the settlement date is delayed compared to other payment methods.

In addition, the mobile network is somewhat mobile, but the wireless LAN network that can transmit a large amount of data is rapidly spreading, and a card payment terminal using the same has not been developed yet. Above all, there is currently no means to go directly to customers and make payments on site.

When paying for telecom sales such as post-paid payments, the rate of cash payments is higher than that of credit cards. However, when the 'cash payment card system' is introduced in the future, a terminal supporting it is necessary.

The technical problem to be achieved by the present invention is to solve the disadvantages of the prior art, wired, wireless LAN, mobile communication in all the card payment is possible, the user can freely select the communication method according to the communication environment and selection, home shopping In order to provide a wired / wireless card and a cash payment terminal and a method of controlling the same, the customer can make a payment when the customer receives the goods.

Wired and wireless card and cash payment terminal according to one feature of the present invention for solving this problem,

A card reader section for reading information recorded on the card;

Communication interface unit for providing an interface in a plurality of communication methods;

An input unit for inputting information;

A central processing unit for controlling the communication interface unit to transmit information of the card read by the card reader unit and the amount of money information input by the input unit to an external center server in a predetermined communication method;

And an information display unit for displaying information under the control of the central processing unit.

Wired and wireless card and cash payment terminal according to a feature of the present invention,

A selection unit for designating a communication method;

The apparatus may further include a signal detector for detecting signals of the plurality of communication methods.

Control method of a wired / wireless card and a cash payment terminal according to another feature of the present invention for solving the above problems,

Reading the information recorded on the card and determining a communication mode;

If the automatic selection mode, selecting a communication method according to a priority of a predetermined communication method;

If in the manual selection mode, detecting a preselected communication scheme;

And processing the payment of the card in the communication method selected in the step.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention. Like parts are designated by like reference numerals throughout the specification.

1 is a configuration diagram of a wired / wireless card and a cash payment terminal according to an embodiment of the present invention, and FIG. 2 is an external view of the wired / wireless card and a cash payment terminal according to the embodiment of the present invention.

1 or 2, the wired / wireless card and the cash payment terminal according to the embodiment of the present invention, the card reader unit 10, the communication interface unit 60, the input unit 50, the central processing unit 30, information And a display unit 90, a selector 40, and a signal detector 20.

The signal detector 20 detects signals of a plurality of communication methods, respectively, and determines the state thereof. The selector 40 has three display light emitting diodes 41 representing the state of the communication network, respectively, and represents the states of the wired, wireless LAN, and mobile communication networks. It is provided with two light emitting diodes 45 which indicate automatic and manual modes. Underneath is a round button 44 that can be manually selected. The state of the network is indicated by the color of the diodes 41 and 45 on the back of the letters indicating communication, with red being unavailable, green being available, and yellow being in use. In addition, there are automatic (43) and manual selection button (44) to select the automatic and manual communication network selection mode, and when the mutual push the automatic push button, the manual pops out, the manual push the automatic pops out. The same works for manually selecting a network.

The right side of the terminal has a card reader unit 10 capable of reading a card, through which a magnetic tape card is read. The information display unit 90 can display various information related to card payment, such as information and time of the card read. In addition, a dial up connection and a mobile communication network can be accessed through a dial button through the input unit 50, and a dial button can also be used when accessing through an Internet IP network or a wireless LAN network.

The communication interface unit 60 includes a wired communication interface 61, a wireless communication interface 62, and a mobile communication interface 63, and transmits and receives information in each communication method. The central processing unit 30 controls the communication interface unit 60 to transmit information of the card read by the card reader unit and the amount of money information input by the input unit to an external center server in a predetermined communication method.

Then, the operation of the wired / wireless card and the cash payment terminal according to the embodiment of the present invention having such a configuration will be described in detail.

3 is a flowchart of initializing a communication port at power on.

Referring to FIG. 3, when the system is powered on, the card reader unit 10, which is a peripheral input / output device, and the wired / wireless / mobile communication port of the communication interface unit 60 are checked and initialized (10).

Then, the signal detector 20 transmits the state of each communication port to the central processing unit 30.

Then, the central processing unit 30 checks the wired port (S11) and determines whether the port can communicate (S100).

If the wired port is not communicable, the central processing unit 30 displays the light of the light emitting diode indicating the wired port in red (S112).

On the other hand, if the wired port can communicate, it is determined whether the wired port is in the process of payment (S101).

If the wired port is in the process of payment, the central processing unit 40 displays the light of the light emitting diode indicating the wired port in green (S111), otherwise displays in yellow (S113).

Then, the central processing unit 30 checks the wireless port (S12) and determines whether the port can communicate (S200).

If the wireless port is not communicable, the central processing unit 30 displays the light of the light emitting diode indicating the wireless port in red (S212).

On the other hand, if the wireless port can communicate, it is determined whether the wireless port is in the process of payment (S201).

If the wireless port is in the process of payment, the central processing unit 40 displays the light of the light emitting diode indicating the wireless port in green (S211), otherwise displays in yellow (S213).

Then, the central processing unit 30 checks the moving port (S13) and determines whether the port can communicate (S300).

If the mobile port is not communicable, the central processing unit 30 displays the light of the light emitting diode indicating the mobile port in red (S312).

On the other hand, if the mobile port can communicate, it is determined whether the mobile port is in the payment process (S301).

If the mobile port is in the process of payment, the central processing unit 40 displays the light of the light emitting diode indicating the mobile port in green (S311), otherwise displays in yellow (S313).

Then, after checking the communication port checks the payment processing status and processing (S400) and wait until the end (S14) and when the end (S401) is in the waiting state for a few seconds and repeats the entire work flow again.

On the other hand, the operation of reading and processing the card is as shown in FIG.

4 is a card read processing flowchart according to the embodiment of the present invention.

Referring to Fig. 4, the central processing unit 30 prepares for card reading (S21) and continuously checks whether a card is inserted (S22).

If the user passes the magnetic tape or smart card used as a credit card or cash payment card by contacting the card reader unit 10, the card reader unit 10 reads the information recorded on the tape or card. It reads out and outputs to the CPU 30.

Then, the central processing unit 30 determines whether the current communication mode is the automatic selection mode (S26).

When it is automatic, check the wired (S31), wireless (S32), mobile communication (S33) in order to display the light emitting diode corresponding to the possible communication port in green (S23, S24, S25),

When all communication ports are not ready for use, the central processing unit 30 displays a message indicating that there is no available communication port on the information display unit 90 (S34), and checks card insertion again after waiting for a few seconds. Run

On the other hand, in the manual mode, the central processing unit 30 checks the currently selected communication mode (S27). Here, the signal detection unit 20 detects a wired, wireless LAN, or mobile communication network signal and displays whether or not the communication network is available through the status display unit, so that the user can manually select a suitable communication network at that time. have. In addition, when the initial power is turned on, it is set to the automatic network selection mode and the user can manually switch modes.

Then, the central processing unit 30 initializes the corresponding communication port selected automatically or manually (S28).

Then, authentication (S29) and transaction transaction (29) according to the normal procedure is entered, and the card enters the standby state for card reading.

At this time, the central processing unit 30 connects payment information such as card user information and payment information through the input unit 50 through the payment logic with the center server 70 through the selected interface method of the communication interface unit 60. The center server 70 processes card authentication and payment, stores the data in the center DB 80, and simultaneously transmits the result to the terminal.

In this process, depending on the service method, authentication and payment can be done by the agency or without the agency, but it does not affect the structure and function of the terminal.

As such, the terminal user may select a communication method according to the communication environment of the current location. First, you can manually select the wired, wireless LAN, or mobile communication network through the switch. When it is set automatically, it automatically searches for the wireless LAN network and communicates through the wireless LAN when you are in a communication area. When communicating using a mobile communication network. Also in this case, if the user connects the line through the wired network using port, it detects it and communicates with the wired network first. The priority of such a communication method is due to communication cost or stability of a call, and may be changed as necessary.

The present invention is not limited only to the above-described embodiments, but may be modified and modified within the scope not departing from the gist of the present invention. Those skilled in the art will appreciate that various changes and modifications can be made without departing from the spirit and scope of the present invention.

As described above, in the embodiment of the present invention can provide a wired and wireless card and a cash payment terminal having the following effects.

1) The card payment function is provided in the wireless communication network as well as the existing wired and mobile communication networks.

2) Card payments can be made not only in fixed locations but also in slow or moving areas.

3) Payment can be made at the location where the customer is located, making it easy to pay when receiving goods such as post-paid payment.

4) It is expected to be used for the cash card payment system that is expected to be introduced in the future.

1 is a block diagram of a wired / wireless card and a cash payment terminal according to an embodiment of the present invention.

2 is an external view of a wired / wireless card and a cash payment terminal according to an embodiment of the present invention.

Figure 3 shows the communication port initialization flow of the wired / wireless card and the cash payment terminal.

4 shows a card reading processing flow of a wired / wireless card and a cash payment terminal.

Claims (9)

A card reader section for reading information recorded on the card; Communication interface unit for providing an interface in a plurality of communication methods; An input unit for inputting information; A central processing unit for controlling the communication interface unit to transmit information of the card read by the card reader unit and the amount of money information input by the input unit to an external center server in a predetermined communication method; Wire and wireless card and cash payment terminal comprising an information display unit for displaying information under the control of the central processing unit. The method of claim 1, A selection unit for designating a communication method; Wire and wireless card and cash payment terminal further comprising a signal detection unit for detecting the signal of the plurality of communication methods. The method according to claim 1 or 2, The selection unit has three display light emitting diodes (41) indicating the state of the communication network, and each of the wired / wireless card and the cash payment terminal, characterized in that the state of the wired, wireless LAN, mobile communication network. The method of claim 3, The selection unit further includes two light emitting diodes indicating automatic and manual modes, wherein the bottom of the light emitting diodes are provided with selectable round buttons, respectively. The method of claim 4, wherein The state of the network is a wired / wireless card and a cash payment terminal, characterized by the color of the diodes on the back of each character indicating communication, red being unavailable, green being available, and yellow being in use. The method according to claim 1 or 2, The communication interface unit includes a wired communication interface, a wireless communication interface and a mobile communication interface, and the wired / wireless card and the cash payment terminal, characterized in that for transmitting and receiving information in a communication method selected by the central processing unit. The method of claim 6, In the automatic selection mode, the central processing unit communicates with an external center server using a good communication method in the order of wired, wireless and mobile communication. A first step of reading information recorded on the card and determining a communication mode; A second step of selecting a communication method according to a priority of a predetermined communication method in the automatic selection mode; If in the manual selection mode, detecting a preselected communication scheme; And a fourth step of processing the payment of the card in the communication method selected in the step. The method of claim 8, In the second step, in the automatic selection mode, a control method of a wired / wireless card and a cash payment terminal, characterized in that a good communication method is used in the order of wired, wireless and mobile communication.