KR101143856B1 - Card reader, mobile terminal and payment method using the same - Google Patents

Abstract

The present invention relates to a card reader, a mobile terminal, and a payment method thereof, and more particularly, a technology for enabling a credit card payment through a mobile terminal by connecting a card reader to a connection port including an earphone and a microphone connection terminal of the mobile terminal. An encryption technique for preventing the theft of user's personal information, credit information, card information, payment information and the like is disclosed. The present invention includes a connector capable of connecting with a connection port including an earphone and a microphone connection terminal of the mobile terminal, and a magnetic strip reader for reading card information, and encrypting the card information to encrypt the card information to the microphone of the mobile terminal. It includes a card reader, characterized in that the transmission through the connection terminal.

Description

Card reader, mobile terminal and payment method using the same}

The present invention relates to a card reader, a mobile terminal, and a payment method thereof. In particular, the present invention relates to a technology for enabling a payment of a credit card by connecting a card reader to a connection port including an earphone and a microphone connection terminal of a mobile terminal. The encryption method is applied to prevent theft of personal information, credit information, and card information.

Typically, the card payment terminal is provided with a magnetic stripe reader (MSR) module for reading card information encoded on the magnetic strip of the card. At this time, the card information read through the magnetic strip reader is in the form of an analog signal and is not encrypted as plain text information.

It is common that such a card payment terminal is connected to a relay server or a VAN company server through an on / off dedicated line to perform a credit card payment task. However, in recent years, there is an increasing demand for performing a credit card payment service in connection with a general mobile terminal instead of a dedicated payment terminal.

However, in the process of credit card payment through a conventional mobile terminal, there is also a problem of stealing unencrypted analog card information, obtaining encoding information of a credit card, and copying or illegally using it.

The present invention has been made to solve the above-mentioned conventional problems and has the following object.

First, the purpose of the present invention is to provide a card reader capable of connecting to a connection port including an earphone and a microphone connection terminal of a mobile terminal and allowing a payment of a credit card through a mobile terminal.

Second, a card reader capable of transmitting card information to a mobile terminal more securely, a mobile terminal using the same, and a payment method thereof are provided.

According to an embodiment of the present invention, a card reader includes: a memory unit storing a first encryption key and unique identification information; A connector connectable to a connection port including an earphone and a microphone connection terminal of the mobile terminal; A magnetic strip reader for reading card information; Receives an encryption key from the mobile terminal through the earphone connection terminal, extracts a second encryption key from the encryption key using the first encryption key, encrypts the card information based on the second encryption key to connect the encrypted card information An encryption processing unit for transmitting to the microphone connection terminal of the mobile terminal through; And a payment control unit for preventing reading of the card information before the approval signal for the encryption key and the unique identification information is received through the earphone connection terminal.

In addition, the mobile terminal according to another embodiment of the present invention, a connection port including an earphone and a microphone connection terminal; And a controller for transmitting an encryption key to the card reader through the earphone connection terminal when the card reader is connected to the connection port, and receiving and decrypting the card information encrypted using the encryption key from the card reader through the microphone connection terminal. The control unit includes an encryption processing unit for decrypting the encrypted card information converted into a digital signal, the control unit receives the unique identification information of the card reader through the microphone connection terminal, and receives the approval signal for the unique identification information through the earphone connection terminal Characterized in that the transmission.

In addition, the payment method of the mobile terminal according to another embodiment of the present invention, in the payment method of a mobile terminal having a connection port including an earphone and a microphone connection terminal, the microphone connection terminal when the card reader is connected to the connection port Receiving unique identification information of the card reader through; Transmitting an identification information acknowledgment signal corresponding to the unique identification information through the earphone connection terminal; Transmitting an encryption key to the card reader through the earphone connection terminal when the card reader is connected to the connection port; Receiving card information encrypted using an encryption key from a card reader through a microphone connection terminal; And decrypting the encrypted card information to provide a card payment service.

Embodiments of the present invention provide the following effects.

First, by connecting the card reader to the connection port including the earphone and microphone connection terminal of the mobile terminal to enable the payment of the credit card through the mobile terminal, it is possible to carry the credit card transactions more convenient and safer.

Second, the payment card information transmitted through the card reader to the mobile terminal more securely to perform the payment approval process.

Third, by attaching and using a card reader to a mobile terminal owned by the seller, it is possible to reduce the expensive card terminal purchase cost and the card terminal communication cost and to increase the satisfaction of the seller by being convenient to use.

It will be apparent to those skilled in the art that various modifications, additions, and substitutions are possible, and that various modifications, additions and substitutions are possible, within the spirit and scope of the appended claims. As shown in Fig.

1 is a system configuration for explaining a payment method of a mobile terminal using a card reader according to an embodiment of the present invention.
2 is a view showing a connection relationship between the mobile terminal of the seller and the card reader in the payment method according to an embodiment of the present invention.
Figure 3 is a block diagram showing the configuration of a mobile terminal equipped with a payment program in a payment method according to an embodiment of the present invention.
Figure 4a is a block diagram showing the detailed configuration of the card reader in the payment method according to an embodiment of the present invention.
Figure 4b is a block diagram illustrating the interface and encryption process of the card reader in the payment method according to an embodiment of the present invention.
4C is a detailed configuration diagram of the power supply unit of FIG. 4A.
5 to 7 are flowcharts illustrating a payment method of a mobile terminal using a card reader according to embodiments of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

First, the terms used in the specification of the present invention are briefly defined, and then embodiments of the present invention will be described.

In the embodiment of the present invention, "mobile terminal" refers to a general mobile communication terminal and a general-purpose cellular phone used by users in a smart phone system, and includes various portable terminals having a mobile communication function. The above "mobile terminal" is provided with a number pad or a keypad or touch pad capable of writing input.

In addition, the term "relay server" refers to a van (VAN) company server for relaying credit card electronic payment, but various types of servers related to credit card electronic payment may also correspond to the above. It is also possible to separate the actual payment relay function and other additional functions into a separate server type.

1 is a block diagram of a mobile terminal payment system using a card reader according to an embodiment of the present invention.

Electronic payment system according to an embodiment of the present invention includes a mobile terminal 100, a card reader 200, a relay server 300 and a card company server 500.

The mobile terminal 100 performs wireless communication through a general mobile communication network 30, and at least one of various messages such as a short message service (SMS), a multimedia messaging service (MMS), an e-mail message, and the like. Use a cellular phone to transmit and receive. In addition, the mobile terminal 100 may use a personal digital assistant (PDA) or the like, which may connect to the mobile communication network 30 and transmit and receive data with an Internet Protocol (IP) network 50 such as the Internet. Can be.

In addition, the relay server 300 is an example of a server of a van (Value Added Network: VAN) that provides a billing service in the electronic payment system using the credit card (10). However, the present invention is not limited thereto, but the relay server 300 may be a server that relays only the purchase of the slips in addition to the server that handles the settlement, and includes all forms of a simple relay server connected to a server of a general card company. In addition, the card company server 500 represents the server of the card company that issued the above credit card 10.

In an embodiment of the present invention, the seller's mobile terminal 100 shown in FIG. 1 is used in connection with the card reader 200. Here, the card reader 200 has a structure that is inserted into the connection port including the earphone and microphone connection terminal of the mobile terminal 100 is connected.

When the card payment through the card reader 200, the mobile terminal 100 is provided with a payment program 110, by using the payment program 110 to send a transaction approval request message to the relay server 300 to process the credit payment Perform

When the mobile terminal 100 uses the payment program 110 to approve or cancel the transaction, the mobile terminal 100 includes a message containing a receipt related to the transaction approval or cancellation to the buyer's mobile terminal, and a receipt related to the issuance or cancellation of the cash receipt. Create and send a message.

In the exemplary embodiment of the present invention, when the transaction is approved or canceled, a message including a receipt is transmitted to the buyer's mobile terminal through the seller's mobile terminal 100 as an example. However, the present invention is not limited thereto, and when the credit card payment is completed in the card company server 500, the transaction server 300 or the card company server 500 may approve or cancel the transaction, or generate a cash receipt. A message containing a receipt related to the cancellation may be generated and transmitted to the purchaser's mobile terminal. The message including the above-described receipt may use various types of messages that can be transmitted and received through the purchaser's mobile terminal such as, for example, a short message, a multimedia message, or an email message.

In an embodiment of the present invention, the relay server 300 shown in FIG. 1 receives and stores seller information using the mobile terminal 100 in advance from an affiliate store. Here, the seller information includes the seller's phone number, and may further include the name of the seller, the name of the affiliated store to which the seller belongs, a business registration number, and the like.

In addition, the relay server 300 may manage the transaction information of the seller or merchant by assigning an identification ID for each seller or merchant. In this case, the relay server 300 may be directly managed by a van (VAN) company and may manage the transaction information of the seller or the merchant through an additional additional server. In addition, the relay server 300 provides a payment program 110 provided in the mobile terminal 100 of the seller.

In an embodiment of the present invention, the payment program 110 is provided to the seller's mobile terminal 100 using, for example, a virtual machine (VM) download method. To this end, the relay server 300 first transmits a call back type message to the seller's mobile terminal 100 for VM download. Subsequently, when a predetermined password is received from the seller's mobile terminal 100 receiving the callback type message, the payment program 110 is transmitted to the seller's mobile terminal 100.

In addition, when the payment program 110 is pre-installed in the mobile terminal 100 of the seller, the VM download operation may be omitted. In addition, when the credit card 10 is settled, the buyer's signature is input through the touch pad provided in the mobile terminal 100 of the seller, and the signature information is transmitted to the relay server 300 together with the transaction approval request message. .

In the present embodiment, the payment program 110 has been described as using a VM download method. However, as an example, the payment program 110 is transferred to the mobile terminal 100 of the seller using various known program transmission methods. Can transmit

For example, a seller accesses an affiliate site on the Internet or an open application market such as the Android Market or App Store, enters the information of the seller and the seller's terminal, registers with a member, goes through the verification process, and checks the payment program ( 110 may be downloaded from the web. In this case, uploading, updating information, or other management of the payment program 110 may be performed at the relay server 300 or at another server.

Hereinafter, the connection relationship and configuration of the mobile terminal 100 and the card reader 200 of the seller will be described in detail with reference to FIGS. 2 and 3.

In the embodiment of the present invention, the card reader 200 is inserted into the insertion groove 134 of the mobile terminal 100, and the card reader 200 is connected to the connection port including the earphone connection terminal 133 and the microphone connection terminal 132. Can be connected. The card reader 200 is electrically connected to a connection port including, for example, an earphone connection terminal 133 and a microphone connection terminal 132 of the mobile terminal 100 through the connector 210. Here, each card reader 200 may assign a separate identification ID to manage transaction information with the corresponding mobile terminal 100.

The card reader 200 is provided with a magnetic strip reader (MSR) in the housing so as to detect and read card information recorded in the magnetic of the credit card 10. In the embodiment of FIG. 2, it is assumed that the card reader 200 has an MSR to read card information from the magnetic credit card 10. However, this is an example, and the card reader 200 is a known technology capable of reading card information of a credit card made of an RF type contactless IC card or a contact type IC card as well as a magnetic type credit card 10. It may be implemented in various forms using.

In FIG. 2, when the credit card 10 is inserted into the card insertion groove 220 of the card reader 200 and slides, the card information is read through the MSR. The card reader 200 has a card insertion groove 220 for inserting the credit card 10 on one surface thereof, and the credit card 10 is inserted into the card insertion groove 220 to read the card information of the credit card 10. ) And has a structure to slide.

In addition, the card information read by the card reader 200 is received through the microphone connection terminal 132 of the mobile terminal 100 and transferred to the control unit (to be described later) of the mobile terminal 100. The controller of the mobile terminal 100 generates a transaction approval request message using the corresponding card information and the payment program 110 and transmits the generated transaction approval request message to the relay server 300 through the mobile communication network 30. In this case, the card information read through the card reader 200 is transferred to the controller of the mobile terminal 100 through the connector 210 of the card reader 200 and the microphone connection terminal 132.

3 is a block diagram illustrating a configuration of a mobile terminal 100 provided with a payment program 110 according to an exemplary embodiment of the present invention, which has the same basic configuration as a general general mobile terminal.

The mobile terminal 100 is configured by installing a payment program 110 on the terminal and connecting the card reader 200 to a connection port 135 including an earphone connection terminal 133 and a microphone connection terminal 132. . The mobile terminal 100 includes an antenna 101, a wireless communication module 103, a key control unit 105, a connection port 135 including an earphone connection terminal 133 and a microphone connection terminal 132, and a touch pad ( 109, a display unit 111, a memory 113, and a control unit 115 provided with a payment program 110.

Here, the wireless communication module 103 includes a modem for encoding and modulating a transmitted signal, demodulating and decoding a signal received through the antenna 101, and an RF front end for processing an RF signal.

The key operation unit 105 optionally includes a 10-key for inputting a telephone number depending on whether the touch pad 109 is provided. If the phone number and the signature information for the card payment are input through the touch pad 109, the key manipulation unit 105 may be configured with only minimal function keys for power on / off. Hereinafter, in the present specification, the key operation unit 105 and the touch pad 109 will be collectively referred to as a key input unit.

In addition, in FIG. 3, the control unit 115 includes a card payment processing unit 115a, an encryption processing unit 115b, and an interface unit 115c.

The interface unit 115c exchanges encryption key information, encrypted card information, and the like with the card reader 200 through a connection port 135 including a microphone connection terminal 132 and an earphone connection terminal 133. To this end, an analog-digital converter for converting an analog signal received through the microphone connection terminal 132 into a digital signal and an encryption key are converted into an analog signal and transmitted to the earphone connection terminal 133. Digital-to-Analog Converter is provided.

The card payment processor 115a transmits the card information transmitted from the card reader 200 to the relay server 300 through the wireless communication module 103, and performs a service according to a conventional credit card electronic payment method.

At this time, the card payment processing unit 115a may transmit the authentication information to the card company server 500 to secure transaction safety before transmitting the transaction approval request message and the electronic signature information to the relay server 300. Here, the authentication information includes PIN (Personal Identification Number) information of the card held by the purchaser.

The card company server 500 receiving the pin information from the mobile terminal 100 receives a password corresponding to the pin information, checks the authenticity, and then informs the mobile terminal 100 of the availability of the card to authenticate the card payment. do. Accordingly, the card payment must be entered only when the pin information such as password is determined whether the approval of the card is provided, thereby providing an effect that can prevent payment abuse due to theft of the card.

Here, the authentication of the pin information may be made in the card company server 500 or the relay server 300, or may be made in a separate authentication server. In addition, the authentication procedure of the pin information may be applied when using an integrated circuit (IC) card such as a smart card, and the pin information is stored in the IC card.

Then, the card payment processing unit 115a receives the full transaction approval result transmitted from the card company server 500 via the relay server 300 and outputs it through the display unit 111.

In addition, when the mobile terminal 100 includes the touch pad 109 as a key input unit, the purchaser's signature is handwritten through the touch pad 109, and the card payment processing unit 115a uses the entered purchaser's signature to pay the card. Generate as signature information for. On the other hand, when the mobile terminal 100 does not have a touch pad 109, the signature input may be omitted when the buyer pays for the card.

The card payment processing unit 115a may encrypt the transaction approval request message including the payment request information and the signature information for secure credit card payment, and transmit the encrypted information to the relay server 300. In addition, the card payment processing unit 115a stores the credit card payment details in the memory 113 and arranges them according to the payment date, the amount, the buyer, and the like, and outputs them through the display unit 111 when the user requests them. The card payment details can be transmitted to the buyer terminal as a message.

In addition, the encryption processing unit 115b transmits the encryption key to the card reader 200 through the earphone connection terminal 133 and decrypts the encrypted card information received from the card reader 200 through the microphone connection terminal 132. It performs the function.

In addition, the controller 115 may include other components, that is, a connection port including an antenna 101, a wireless communication module 103, a key manipulation unit 105, an earphone connection terminal 133, and a microphone connection terminal 132 ( 135, overall operations of the touch pad 109, the display 111, and the memory 113 are controlled.

4A is a detailed block diagram illustrating the card reader 200 of FIG. 2.

The card reader 200 includes a connector 210, a power supply unit 230, a central processing unit (CPU) 240, a magnetic strip reader (MSR) 250, a memory unit 260, and a display unit 270. It includes. Here, the CPU 240 includes a payment controller 241, an interface unit 242, and an encryption processor 243.

The memory unit 260 may include a memory such as a flash ROM 262 and an SRAM 262. The memory unit 260 may include a first encryption key (hereinafter, referred to as a "basic encryption key") required for encryption processing, card information of the credit card 10 processed by the payment control unit 241, payment information, or Unique identification information of the card reader 200 may be stored.

The connector 210 is attached to the main body of the card reader 200 and the information necessary for credit card payment through the connection port 135 including the microphone connection terminal 132 or the earphone connection terminal 133 of the mobile terminal 100. Replace it.

In addition, the power supply unit 230 supplies power to each component of the entire card reader 200.

The encryption processing unit 243 encrypts the card information of the credit card 10 received through the magnetic strip reader (MSR) 250 and transmits the encrypted card information to the connector 210. In addition, the encryption processing unit 243 may extract the encryption key from the information received from the mobile terminal 100 through the connector 210.

In addition, the payment control unit 241 is displayed through the display unit 270 when the encryption key is extracted and the normal card reading is possible. If the encryption key extraction is not completed or is not smooth, the seller may suspend the payment status if the seller executes the card payment. To this end, the display unit 270 may emit a red LED or a blue LED to indicate the current situation, or may generate a specific beep sound such as a "beep" sound to recognize a signal that may be paid.

In the embodiment of the present invention, the display unit 270 generates a completion message or a tone after the encryption key extraction is completed. However, the present invention is not limited thereto and may display a completion message or a completion tone through the display unit 111 of the mobile terminal 100.

In addition, the CPU 240 may perform overall operations of the remaining components, that is, the connector 210, the power supply 230, the magnetic strip reader (MSR) 250, the memory 260, and the display 270. To control.

4B is a block diagram illustrating an interface and an encryption process of the card reader 200 in the payment system according to the embodiment of the present invention. In the block diagram of FIG. 4B, reference numerals 242_1 to 242_3 denote components related to the operation of the interface unit 242, and reference numeral 243_1 denotes components related to the operation of the encryption processing unit 243.

The encryption key received from the earphone connection terminal 133 of the mobile terminal 100 is in the form of an analog signal. Accordingly, the analog-to-digital converter 242_2 of the interface unit 242 converts the encryption key in the form of an analog signal received from the connector 210 into an encryption key in the form of a digital signal to encrypt the received encryption key. The encrypted key is converted into the encryption processing unit 243_1.

Then, the card information detected from the credit card 10 and the magnetic strip reader (MSR) 250 is in the form of an analog signal. Accordingly, the analog-digital converter 242_1 of the interface unit 242 converts the received analog card information into a digital signal and transmits the card information converted into the digital signal to the encryption processing unit 243_1.

The encryption processing unit 243_1 encrypts the encryption key converted into the digital signal and the card information converted into the digital signal to transmit the encrypted card information as the digital signal. Then, the digital-analog converter 242_3 of the interface unit 242 converts the encrypted card information converted into a digital signal into an analog signal and transmits the encrypted card information converted into an analog signal to the microphone connection terminal 132. .

In the embodiment of the present invention has been described that a separate interface unit 242 is provided for the conversion of analog signals and digital signals, the present invention is not limited to this, but the function of the interface unit 242 is encrypted processing unit 243 It may also be included.

4C is a detailed configuration diagram of the power supply unit 230 of FIG. 4A.

The power supply unit 230 according to the embodiment of the present invention includes a battery 231 and a switching unit 232.

Here, the switching unit 232 may be made of a bipolar transistor, a MOS transistor or other switching elements, and selectively supplies power to each component of the card reader 200 according to a sensing signal received from the connector 210.

When the card reader 200 and the mobile terminal 100 are connected to each other, the sensing signal of the mobile terminal 100 is transmitted to the switching unit 232 in the connector 210. Accordingly, when the detection signal is activated, the switching unit 232 is turned on, and power received from the battery 231 is supplied to each component of the card reader 200. Here, the activation of the detection signal may mean that the detection signal has a voltage level higher than a specific voltage.

On the other hand, when the card reader 200 and the mobile terminal 100 are separated from each other, the sensing signal of the mobile terminal 100 is not transmitted to the switching unit 232 in the connector 210. Accordingly, when the detection signal is not activated, the switching unit 232 is turned off to cut off the supply of power received from the battery 231.

That is, the card reader 200 maintains the turn-off state because power is not supplied from the power supply unit 230 in the standby state.

In addition, the connection port 135 including the microphone connection terminal 132 and the earphone connection terminal 133 of the mobile terminal 100 maintains a state in which a predetermined voltage (2V) is always applied to transmit and receive an audio signal. Accordingly, when the card reader 200 is inserted into the mobile terminal 100, the predetermined voltage 2V is transmitted to the connector 210 as a detection signal. The switching unit 232 is turned on when the sensing signal is greater than or equal to a predetermined voltage and becomes greater than or equal to the threshold voltage of the transistor, thereby transferring the power of the battery 231 to each component.

Therefore, the card reader 200 according to the embodiment of the present invention provides an effect of reducing the power consumption of the unnecessary battery 231 in the standby state.

5 is a flowchart illustrating a mobile terminal payment method using a card reader according to an embodiment of the present invention.

Referring to FIG. 5, the mobile terminal 100 executes a payment program 100 for processing a payment of a credit card. (Step S1).

The card reader 200 is inserted into the insertion groove 134 located at the connection port 135 including the earphone connection terminal 133 and the microphone connection terminal 132 of the mobile terminal 100 in order to sell goods and services. (210). (Step S2)

Here, the card reader 200 is connected to the mobile terminal 100 after the payment program 110 is executed, but the payment program 110 is connected to the card reader 200 to the mobile terminal 100. It may also be executed later. In addition, the mobile terminal 100 is recognized and the encryption key is transmitted through the earphone connection terminal 133 while the payment program 110 is executed.

The mobile terminal 100 recognizes the magnetic strip reader (MSR) 250 of the card reader 200 through the microphone connection terminal 132 (step S3).

Next, the encryption processing unit 115b of the mobile terminal 100 generates an encryption key in the form of a digital signal, converts it into an analog signal form, and transmits the encryption key to the card reader 200 through the earphone connection terminal 133. In this case, the encryption key generated in the mobile terminal 100 may be a random number generated by a random number generator or the like. In the embodiment of the present invention has been described that the encryption key of the mobile terminal 100 is generated in the random number generator as an example, the present invention is not limited to this, provided with any encryption key generator that can generate any encryption information It is okay.

Subsequently, the central processing unit 240 of the card reader 200 recognizes and stores the encryption key in the form of an analog signal transmitted through the connector 210. When the step of recognizing and storing the encryption key is completed, the card reader 200 outputs the security authentication completion state indicating that payment may be made through the display unit 270 (step S5).

That is, in order to block illegally logging card information to prevent abuse, the card reader 200 prevents the card information from being read before checking the encryption key.

To this end, the card reader 200 may read the card information only after confirming the encryption key, and prevent the card information from being read in the header itself of the magnetic strip reader (MSR) 250 before confirming the encryption key. do.

After the security authentication completion state is displayed, when the seller slides the credit card 10 through the card insertion groove 220 of the card reader 200, the card reader 200 may transfer the card information of the credit card 10. (Step S6) Since the read card information is in the form of an analog signal, conversion to a digital signal form is required for subsequent encryption.

Next, the encryption processing unit 243 of the card reader 200 extracts the stored encryption key in the form of an analog signal and converts it into a digital signal form, and encrypts the card information converted into the digital signal form by using the same. At this time, the encrypted card information is in the form of a digital signal (step S7).

At this time, the card reader 200 converts the card information encrypted through the digital-to-analog converter of the interface unit 115c into an analog signal and transmits it to the mobile terminal 100 through the microphone connection terminal 132.

The interface unit 115c of the mobile terminal 100 converts the encrypted card information in the analog form received from the card reader 200 into a digital signal. In addition, the control unit 115 of the mobile terminal 100 decrypts the encrypted card information converted into a digital signal (step S7).

Thereafter, the controller 115 of the mobile terminal 100 checks whether there is an input of card information according to the credit card payment through the card reader 200 or the key input unit.

In addition, when receiving the purchaser's signature through the key input unit as well as the card information during the credit card payment, the control unit 115 receives the purchaser's signature through the touch pad provided in the key input unit and writes the signature as the signature information for the credit card payment. Create

Assuming input of signature information, if there is input of card information and signature information, the controller 115 includes payment card information and payment request information including payment amount and installment months inputted through the key input unit. Create a full transaction approval request.

The controller 115 transmits the transaction approval request message and signature information to the relay server 300 through the wireless communication module 103, and receives the transaction approval result message from the relay server 300.

Therefore, according to the embodiment described above, the seller can process the credit card payment according to the purchase of the goods of the buyer by using the general-purpose mobile terminal installed with the payment program according to the present invention, the buyer receives the transaction approval receipt according to the credit card payment Can also be sent as a message to the mobile terminal.

6 is a flowchart illustrating a mobile terminal payment method using a card reader according to another embodiment of the present invention.

Referring to FIG. 6, the mobile terminal 100 executes a payment program 110 for processing a payment of a credit card. (Step S11).

The card reader 200 stores a basic encryption key for encrypting the card information. (Step S12) At this time, the basic encryption key stored in the memory unit 260 of the card reader 200 is manufactured of the card reader 200. In the step may be set in advance, in the step of executing the payment program 110 of the mobile terminal 100 may be set to the default encryption key matching the mobile terminal 100. In the embodiment of FIG. 6, the basic encryption key information of the mobile terminal 100 and the basic encryption key information of the card reader 200 are set to be the same in advance.

The card reader 200 is inserted into the insertion groove 134 located at the connection port 135 including the earphone connection terminal 133 and the microphone connection terminal 132 of the mobile terminal 100 in order to sell goods and services. (210). (Step S13)

Thereafter, the mobile terminal 100 recognizes the magnetic strip reader (MSR) 250 of the card reader 200 through the microphone connection terminal 132 (step S14).

Next, the mobile terminal 100 generates a digital encryption key in the encryption processing unit 115b, converts it into an analog form, and then transmits it to the card reader 200 through the earphone connection terminal 133. Step S15)

Subsequently, the encryption processing unit 243 of the card reader 200 converts the analog encryption key transmitted through the connector 210 into a digital form again, and then extracts the encryption key using a pre-stored default encryption key. (Step S16) The encryption key thus extracted is in the form of a digital signal.

When the encryption key extraction step is completed, the card reader 200 outputs a security authentication completion state indicating that payment may be made through the display unit 270 (step S17).

In other words, in order to block illegally logging card information so as to prevent it from being used for crime, the card reader 200 prevents the card information from being read before extracting the encryption key.

To this end, the card reader 200 may read the card information only after extracting the encryption key, and prevent the card information from being read in the header itself of the magnetic strip reader (MSR) 250 before extracting the encryption key. do.

After the security authentication completion state is displayed, if the seller slides the credit card 10 through the card insertion groove 220 of the card reader 200, the card reader 200 reads the card information. Step S18) The read card information is in the form of an analog signal, which is converted into a digital signal form for the encryption process described later.

Next, the card reader 200 encrypts the card information in the form of a digital signal using the extracted encryption key (second encryption key) and transmits the encrypted card information back to the mobile terminal 100 (step S19). )

At this time, the card reader 200 converts the encrypted card information of the digital form into an analog signal through the digital-to-analog converter of the interface unit 115c to convert the encrypted card information of the analog form to the mobile terminal through the microphone connection terminal 132. It is delivered to the terminal 100.

The interface unit 115c of the mobile terminal 100 converts the encrypted card information in the analog form received from the card reader 200 into a digital signal. In addition, the control unit 115 of the mobile terminal 100 decrypts the encrypted card information converted into a digital signal (step S20).

7 is a flowchart illustrating a mobile terminal payment method using a card reader according to another embodiment of the present invention.

Referring to FIG. 7, the mobile terminal 100 executes a payment program 110 for processing a payment of a credit card. (Step S30).

The card reader 200 is inserted into the insertion groove 134 located at the connection port 135 including the earphone connection terminal 133 and the microphone connection terminal 132 of the mobile terminal 100 in order to sell goods and services. (210). (Step S31)

Then, the card reader 200 transmits the unique identification information of the card reader 200 to the mobile terminal 100 (step S32).

At this time, the central processing unit 240 of the card reader 200 extracts the unique identification information stored in the memory unit 260 and delivers it to the microphone connection terminal 132 of the mobile terminal 100 through the connector 210. .

Then, the mobile terminal 100 recognizes the magnetic strip reader (MSR) 250 of the card reader 200 through the microphone connection terminal 132 (step S33).

The mobile terminal 100 reads the unique identification information of the card reader 200 received through the microphone connection terminal 132 and recognizes the corresponding card reader 200 when the unique identification information matching the mobile terminal 100 is recognized. The identification information acknowledgment signal that can be used is transmitted to the card reader 200. (Step S34) At this time, the transmitted identification information or identification condition acknowledgment number are all analog signals. Must be converted.

At this time, the mobile terminal 100 stores the unique identification information and encryption key information of the card reader 200 in the memory 113 in advance. For example, when the unique identification information transmitted from the card reader 200 is "MSR3333", the unique identification number "MSR3333" stored in advance in the memory 113 of the mobile terminal 100 is traced and the encryption corresponding to the unique identification number. The key "1234" can be recognized. The mobile terminal 100 may download in advance the unique identification information and the encryption key of the card reader 200 from the relay server 300 when the payment program 110 is executed. Here, the encryption key is preferably in the form of a digital signal.

Next, the card reader 200 loads an encryption key for encrypting the card information. (Step S35) At this time, the encryption key generated by the card reader 200 is a manufacturing process of the card reader 200. The information may be information stored in the memory unit 260 itself or may be information downloaded by accessing an external relay server 300.

When the loading step of the encryption key is completed, the card reader 200 outputs a security authentication completion state indicating that payment may be made through the display unit 270. (Step S36).

In other words, in order to block illegally logging card information so as to prevent it from being used for crime, the card reader 200 prevents the card information from being read before loading the encryption key.

To this end, the card reader 200 may read the card information only after loading the encryption key, and read the card information in the header itself of the magnetic strip reader (MSR) 250 before loading the encryption key. prevent.

After the security authentication completion state is displayed, if the seller slides the credit card 10 through the card insertion groove 220 of the card reader 200, the card reader 200 reads the card information. Step S37) At this time, the read card information needs to be converted into a digital signal form for the subsequent encryption process as an analog signal form.

Next, the card reader 200 encrypts the card information in the form of a digital signal using the loaded encryption key and transmits the encrypted card information back to the mobile terminal 100 (step S38).

At this time, the card reader 200 converts the encrypted card information of the digital form into an analog signal through the digital-to-analog converter of the interface unit 115c to convert the encrypted card information of the analog form to the mobile terminal through the microphone connection terminal 132. It is delivered to the terminal 100.

The interface unit 115c of the mobile terminal 100 converts the encrypted card information in the analog form received from the card reader 200 into a digital signal. In addition, the controller 115 of the mobile terminal 100 decrypts the encrypted card information converted into a digital signal (step S39).

Meanwhile, in the embodiment of FIG. 7, the unique identification information of the card reader 200 is transmitted to the mobile terminal 100 as an example before the encryption key stored in the card reader 200 is loaded.

However, the present invention is not limited thereto, but the steps of loading an encryption key stored in the card reader 200 (step S35), displaying a state in which the security authentication is completed (step S36), and card reading step (step S37) When the encrypted card information is transmitted to the mobile terminal 100 after executing (step S38), the unique identification information of the card reader 200 may be transmitted together to the mobile terminal 100 side.

Claims (16)

delete A memory unit for storing a first encryption key and unique identification information;
A connector connectable to a connection port including an earphone and a microphone connection terminal of the mobile terminal;
A magnetic strip reader for reading card information;
Receiving an encryption key from the mobile terminal through the earphone connection terminal, extracting a second encryption key from the encryption key using the first encryption key, by encrypting the card information based on the second encryption key An encryption processing unit for transmitting encrypted card information to the microphone connection terminal of the mobile terminal through the connector; And
And a payment control unit configured to prevent reading of the card information before the approval signal for the encryption key and the unique identification information is received through the earphone connection terminal. The card reader of claim 2, wherein the unique identification information is transmitted through the microphone connection terminal, and an approval signal for the unique identification information is received through the earphone connection terminal. The method of claim 2,
An interface unit for converting the encryption key received through the earphone connection terminal and the card information read through the magnetic strip reader into a digital signal, and converting the encrypted card information into an analog signal and transmitting through the microphone connection terminal Including more,
The encryption processing unit extracts the second encryption key from the encryption key converted into the digital signal, encrypts the card information converted into the digital signal by using the second encryption key to convert the encrypted card information into the connector. Card reader, characterized in that the transmission to the microphone connection terminal through. The method of claim 2,
Converting the second encryption key extracted using the first encryption key and the card information read through the magnetic strip reader into a digital signal, and converting the encrypted card information into an analog signal to convert the microphone connection terminal. Further comprising an interface unit for transmitting through,
The encryption processing unit extracts the second encryption key from the encryption key received through the earphone connection terminal using the first encryption key, and converts the second encryption key into the digital signal using the second encryption key converted into the digital signal. And encrypting the converted card information to generate the encrypted card information. delete delete delete The method of claim 2,
The payment control unit is a card reader, characterized in that for controlling the notification that the reading of the card information is possible when the encryption key is received. The card reader of claim 2, further comprising a power supply unit configured to supply power when the card reader is connected to the mobile terminal. A connection port including an earphone and a microphone connection terminal; And
When a card reader is connected to the connection port, an encryption key is transmitted to the card reader through the earphone connection terminal, and the card information encrypted using the encryption key from the card reader is received and decrypted through the microphone connection terminal. Including a control unit,
The control unit includes an encryption processing unit for decrypting the encrypted card information,
The controller receives the unique identification information of the card reader through the microphone connection terminal, and transmits an approval signal for the unique identification information through the earphone connection terminal. delete The method of claim 11, wherein the control unit
And an interface unit converting the encryption key into an analog signal and transmitting the encrypted key to the earphone connection terminal, and converting the encrypted card information received from the microphone connection terminal into a digital signal. The method of claim 11, wherein the control unit
And a card payment processing unit for providing a card payment service by using a payment program when the encrypted card information is decrypted. In the payment method of a mobile terminal having a connection port including an earphone and a microphone connection terminal,
Receiving unique identification information of the card reader through the microphone connection terminal when a card reader is connected to the connection port;
Transmitting an identification information acknowledgment signal corresponding to the unique identification information through the earphone connection terminal;
Transmitting an encryption key to the card reader through the earphone connection terminal;
Receiving card information encrypted using the encryption key from the card reader through the microphone connection terminal; And
And decrypting the encrypted card information to provide a card payment service. The method of claim 15, wherein the encryption key
The payment method of the mobile terminal, characterized in that the second encryption key encrypted using the first encryption key.

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