KR101743112B1 - A multi card reader module and an appratus using it - Google Patents

Abstract

A card reader device according to an embodiment of the present invention is a card reader device comprising: a case in which a groove-shaped guide is formed so that an IC card and an MS card can be inserted in a first direction; An IC card reader unit including a reading circuit connected to an IC chip (CHIP) of the combination card and reading the IC card information when the combination card is normally inserted into a receiving space formed at one end of the guide; And an MS card reader unit provided at one side of the groove of the guide and leading the MS card information from the magnetic strip of the combination card while the combination card is sliding in the second direction having an axis different from the first direction .

Description

TECHNICAL FIELD [0001] The present invention relates to a multi-card reader module and a multi-

The present invention relates to a multi-card reader module and a multi-card reader device using the same. More specifically, the present invention relates to a multi-card reader apparatus that supports multi-reading of a card having a plurality of payment means.

Typically, a card payment terminal is equipped with a magnetic stripe reader (MSR) module for reading the encoded card information on the magnetic strip of the card. At this time, the card information read through the magnetic strip reader is an unencrypted plaintext information state with magnetic stripe data (MS) in the form of an analog signal.

In addition, an IC card called a smart card is a card having a microprocessor and a memory, and can store and process information in the card, thereby minimizing the risk of forgery and alteration of the magnetic card and providing a variety of services . The storage capacity is higher than that of the conventional magnetic card, so that it is possible to perform various additional functions requiring additional information storage, and the security problem can be improved.

IC card is divided into contact type and non-contact type depending on the method of use. The contact type IC card is a type of IC card having a metal pattern on the front face of a card. The contactless type IC card includes a module and an antenna And the card information can be read through the IC card reader module provided in the card payment terminal.

In recent years, a multifunction card that can mix an IC card and a magnetic card as described above and make payment in a suitable manner as needed is generally supplied to the market. However, in general, the IC card is more secure than the MS card, and the IC card is preferentially settled. In the case of the MS card settlement, the IC card is not settled.

However, the IC card reader module and the MS card reader module are generally different from each other in terms of the insertion method and slot, and there is an inconvenience that the card must be inserted and slid again when an error occurs in either one .

SUMMARY OF THE INVENTION The present invention has been made to solve the above problems and it is an object of the present invention to provide a multi card reader module capable of selectively performing card reading of an IC card reader module and an MS card reader module by only one insertion operation, And a multi-card reader device using the same.

According to another aspect of the present invention, there is provided a card reader apparatus including: a case in which a groove-shaped guide is formed so that an IC card and an MS card can be inserted in a first direction; An IC card reader unit including a reading circuit connected to an IC chip (CHIP) of the combination card and reading the IC card information when the combination card is normally inserted into a receiving space formed at one end of the guide; And an MS card reader unit provided at one side of the groove of the guide and leading the MS card information from the magnetic strip of the combination card while the combination card is sliding in the second direction having an axis different from the first direction .

According to another aspect of the present invention, there is provided a card reader module connected to a terminal for reading card information, the card reader module comprising: a connector inserted in the terminal to transmit and receive a signal; A reader unit for selectively reading card information of an IC and an MS-compatible card inserted while the connector is connected; An encryption unit for encrypting the read card information; And an interface unit for transmitting the encrypted card information to the terminal through the connector, wherein the reader unit comprises: a case forming a groove-shaped guide so that the IC and the MS-compatible card can be inserted in the first direction; An IC card reader unit including a reading circuit connected to an IC chip (CHIP) of the combination card and reading the IC card information when the combination card is normally inserted into a receiving space formed at one end of the guide; And an MS card reader unit provided at one side of the groove of the guide and leading the MS card information from the magnetic strip of the combination card while the combination card is sliding in the second direction having an axis different from the first direction .

According to the embodiment of the present invention, when the IC card and the MS card are inserted in the first direction, the case forms a groove-like guide. When the card is normally inserted into the receiving space formed at one end of the guide, An IC card reader unit including a reading circuit connected to an IC chip (CHIP) of a combination card and reading the IC card information, and an IC card reader unit provided on one side of the groove of the guide, wherein the combination card has a second The MS card reader unit may read the MS card information from the magnetic strip of the combination card while sliding the card backward in the reverse direction.

Therefore, according to the embodiment of the present invention, it is possible not only to insert the common card into the IC card reader module to read the IC card information, but also to insert or remove the common card in the event of an error or when MS card reading is necessary. The MS card information can be easily read by only the operation of taking out the card in the opposite direction, so that the user can selectively perform the card information in a desired manner by only one insertion or retrieval operation, Can be provided.

1 illustrates an overall system according to an embodiment of the present invention.
2 is a diagram showing a structural form of a card reader module according to an embodiment of the present invention.
3 is a block diagram showing the structure of a card reader module according to an embodiment of the present invention in more detail.
4 to 5 are diagrams for explaining a selective card reading structure using a card reader module according to an embodiment 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 will be briefly defined, and then an embodiment of the present invention will be described.

The term " terminal "described in the present specification includes a POS terminal, a computer, a mobile phone, a smart phone, a laptop computer, a digital broadcasting terminal, a PDA (Personal Digital Assistants), a PMP However, the present invention is not limited thereto, and may be various devices capable of user input and information display.

The term "relay server" refers to, for example, a server of a VAN company that relays a dual-card electronic settlement, but various types of servers related to credit card electronic settlement may also be applicable. The actual payment relay function and other additional functions may be separated into separate server types.

1 illustrates an overall system according to an embodiment of the present invention.

The electronic payment system according to the embodiment of the present invention includes a terminal 100, a card reader module 200, a relay server 300, and a card issuer server 500.

For example, the terminal 100 performs wired / wireless communication through a general communication network 30 and transmits card information, settlement information, other short message service (SMS), multimedia message service (Multimedia Messaging Service) MMS), and an e-mail message, a tablet computer, or a POS terminal.

In addition, the terminal 100 can access the communication network 30 and transmit / receive data to / from an IP (Internet Protocol) network 50 such as the Internet.

The relay server 300 is a server of a VAN (Value Added Network) company that provides a payment agent service in an electronic payment system using the dual card 10. [

However, the present invention is not limited to this, but may be a server for relaying only the purchase of a paper other than a server for payment by the relay server 300, or a simple relay server connected to a server of a general card company. The card issuer server 500 also shows a server of the card issuer that issued the above combination card 10. [

Particularly, in the embodiment of the present invention, the combination card 10 may be the IC and the MS combination card described above. Accordingly, the card reader module 200 according to the embodiment of the present invention includes a guide, an accommodation space, a draw-out auxiliary portion, and a groove structure for selectively reading the IC card information and the MS card information once by inserting or extracting the IC card information and the MS card information And the IC card reader and the MS card reader can be disposed at appropriate positions.

Meanwhile, in the embodiment of the present invention, the seller's terminal 100 shown in FIG. 1 may be used in connection with the card reader module 200. For example, the card reader module 200 may be inserted into and connected to a connection port including a USB connection terminal, a serial connection terminal, an earphone or a microphone connection terminal of the terminal 100.

However, this is only an example, and the card reader module 200 may be included in the terminal 100.

The terminal 100 includes a payment program 110 and transmits a transaction approval request message to the relay server 300 using the payment program 110 to confirm A credit settlement process can be performed by making a request.

When the transaction is approved or canceled using the payment program 110, the terminal 100 transmits a message including a receipt related to transaction approval or cancellation to the purchaser's terminal and a receipt related to issuance or cancellation of the cash receipt Can be generated and transmitted.

In the embodiment of the present invention, the relay server 300 shown in FIG. 1 registers and stores seller information using the terminal 100 from an affiliate shop in advance. Here, the seller information includes a telephone number of the seller, and may further include a name of the seller, a name of a merchant to which the seller belongs, a business registration number, and the like.

Also, the relay server 300 can manage the transaction information of the seller or the franchisee by assigning an identification ID to each seller or each franchisee. At this time, the relay server 300 can directly manage the transaction information of the seller or the merchant through a separate additional server. In addition, the relay server 300 may provide a payment program 110 provided in the seller's terminal 100. [

In the embodiment of the present invention, the payment program 110 is provided to the seller's terminal 100 using, for example, a VM (Virtual Machine) downloading method. To this end, the relay server 300 may transmit a call back type message to the seller's terminal 100 for downloading the VM.

Thereafter, when the password, which is promised in advance, is received from the seller's terminal 100 that has received the callback type message, the payment program 110 is transmitted to the seller's terminal 100.

If the payment program 110 is previously installed in the seller's terminal 100, the VM downloading operation may be omitted. In addition, upon payment of the combination card 10, the buyer's signature is input through the touch pad provided in the seller's terminal 100, and the signature information is transmitted to the relay server 300 together with the transaction approval request message.

Although the payment program 110 is provided using the VM download method, this is an example, and it is possible to transmit the payment program 110 to the seller's terminal 100 by using various known program transmission methods.

For example, a seller may access an affiliate site on the Internet or an application market such as an Android market or an app store, enter information of a seller and a seller terminal, join a member, 110 may be downloaded from the web.

At this time, the uploading, updating information or other management of the settlement program 110 may be performed in the relay server 300 or in another type of server.

Hereinafter, the structure of the card reader module 200 and the connection with the terminal 100 will be described in detail with reference to FIGS. 2 to 3. FIG.

2 is a diagram showing a structural form of a card reader module according to an embodiment of the present invention.

2, the card reader module 200 may be connected to the connection port 135 of the terminal 100. In this case, the card reader module 200 may be connected to the connection port 135 of the terminal 100 through the connector 210, And the card reader module 200 can manage the transaction information with the terminal 100 by giving a separate identification ID.

The reader unit 250 includes a magnetic strip reader (MSR) 251 and a reader unit 250. The reader unit 250 reads the IC card information from the magnetic strip reader And an IC card reader 252.

More specifically, the card reader module 200 is provided with a magnetic strip reader (MSR) 251 in the case housing so as to sense and read the card information recorded in the magnet of the combination card 10. The card reader module 200 may be provided with an IC card reader 252 for sensing and reading card information recorded in the IC chip 11 of the combination card 10. [ In the embodiment of FIG. 2, the MSR and the IC card reader module are provided in the card reader module 200, and the card information is read from the combination card 10 of the magnetic system or the IC system.

In particular, a groove-shaped guide 253 may be formed in the case housing so that the IC card and the MS card can be inserted in the first direction. In the housing space 252 formed at one end of the guide 253, And an IC card reader unit 252 connected to the IC chip 11 of the combination card and reading the IC card information when the IC card reader unit 25 is properly inserted in the first direction.

Particularly, according to the embodiment of the present invention, MS card information is extracted from the magnetic strip of the combination card 10 while being inversely slid in the second direction having an axis different from the first direction in which the combination card 10 is inserted And an MS card reader unit 251 for reading.

Particularly, according to the embodiment of the present invention, the combination card 10 is provided at one side of the groove of the guide 253 so that the combination card 10 is inclined from the guide in the second direction at a certain angle with the horizontal plane of the case May further include a draw-out auxiliary portion (258) for guiding reverse sliding of the combination card (10) in the second direction.

In this case, in particular, in the MS card reader unit 251, the combination card 10 is inserted into the accommodating space 252 for insertion of the IC card into the accommodating space 252 along the guide 253, While being drawn in two directions, a magnetic head may be included that obtains card information in accordance with the magnetic field change formed by the magnetic strip 12. [

Therefore, when the user inserts the combination card 10 in any direction to the accommodation space 252 directly by using the guide groove 253 of the card reader module 200, the card information is read through the IC card reader module 252 Can be read. In addition, when a problem arises in reading an IC card or the like, a user can simply pull the card 10 along the guide 253, draw out the card in the second direction through the draw-out auxiliary part 258, The information on the magnetic strip 12 can be obtained immediately in the section 251.

The card information read from the card reader module 200 is received through the connection terminal of the terminal 100 and transmitted to a control unit (to be described later) of the terminal 100. The control unit of the terminal 100 generates a transaction approval request message using the card information and the payment program 110 and transmits the transaction approval request message to the relay server 300 through the communication network 30. [

At this time, the card information read through the card reader module 200 is transmitted to the controller of the terminal 100 through the connector 210 and the connection terminal 135 of the card reader module 200.

As described above, the card reader module 200 according to the embodiment of the present invention can simultaneously or sequentially acquire the card information of the dual card having the magnetic strip 12 while being manufactured from the RF type contactless IC card or the contact type IC card It will be readable.

For example, in the case of a contactless IC card, the IC card reader unit 252 may be implemented to include an RF communication module in the IC card reader module included in the card reader module 200 for reading the card information.

The IC card may be an IC chip conforming to the EMV standard and a card having the application embedded therein. The EMV is an international standard for credit and debit transactions established jointly by card companies of Europay / MasterCard / Visa. It means the standard for the transaction used.

In the case of the IC card, the card reader module 200 reads various kinds of information of the customer card through communication with the combination card 10, and if necessary information (payment amount, password, etc.) is inputted, It is determined which type of transaction is to be requested and transmitted to the combination card 10.

The combination card 10 may review the request of the card reader module 200 to determine whether to accept offline approval / offline rejection / referral / online and respond to the card reader module 200. [

The card reader module 200 performs offline approval / offline rejection / reply on the basis of the response of the combination card 10, and transmits the transaction approval request message to the relay server 300 through the terminal 100 when the card reader module 200 is online.

The relay server 300 transmits the transaction approval request telegram to the card issuer server 500 and the card issuer server 10 transmits the reply telegram including the approval / rejection to the relay server 300, May transmit the response message to the card reader module 200 through the terminal 100 again.

The card reader module 200 makes a final request to the combination card 10 in accordance with whether the received response text is approved or rejected and the combined card 10 examines the request of the card reader module 200 to finally approve / And the card reader module 200 approves / rejects the transaction according to the response of the combination card 10. [

3 is a block diagram illustrating the configuration of a card reader module 200 according to an embodiment of the present invention.

Referring to FIG. 3, the card reader module 200 includes a connector 210, a power source 230, a controller 240, a reader 250, a memory 260, and a display 270.

The control unit 240 may include a professional generating unit 243, an interface unit 244, an encryption key generating unit 245, and encryption / decryption units 246 and 247. Here, the encryption / decryption unit 246 of the card reader module 200 will be described as one module for convenience, but it may be configured as one encryption module including both the encryption unit and the decryption unit, Additional modules may be present.

The connector 210 is attached to the main body of the card reader module 200 to allow the terminal 100 to exchange information necessary for payment of an IC card or an MS card through the connection port 135 of the terminal 100.

In addition, the power supply unit 230 supplies power to the respective components of the entire card reader module 200.

On the other hand, the encryption key generation unit 245 generates a second encryption key for encrypting the card information. The second encryption key may be a predetermined random number through the random number generator, but it may preferably be a symmetric key type encryption key. The generated encryption key may be stored in the memory unit 260. For example, the symmetric key scheme may use the 3DES scheme, and the DES symmetric key algorithm may be relatively low in security but may be applied to location information encryption such as coordinate information according to the embodiment of the present invention, .

The encryption / decryption unit 246 may encrypt the card information encrypted with the second encryption key with the first encryption key using the first encryption key received from the terminal 100 via the secure channel. On the other hand, the second encryption key may also be independently encrypted with the first encryption key.

The interface unit 244 converts the first encryption key and the card information encrypted with the second encryption key into a signal for transfer to the terminal 100.

Meanwhile, the interface unit 244 can receive the payment amount information input from the terminal 100 through the connector 210.

The professional generating unit 243 generates a transaction approval request text using the card information acquired through the reader unit 250, the payment amount information received from the terminal 100, and the input PIN number.

Meanwhile, the reader unit 250 may include a magnetic strip reader (MSR) 251 for reading the information of the magnetic card and an IC card reader module 252 for reading information of the IC card. Will be described later in more detail.

On the other hand, the transaction approval request telegram can be generated according to the EMV (Europay Mastercard Visa) standard.

The memory unit 260 may include a memory such as a flash ROM 262, an SRAM 262, and the like. The memory unit 260 stores the first encryption key received from the terminal 100, the second encryption key generated by the encryption key generation unit 245, the card information of the combination card 10 processed by the payment control unit 241, Payment information, unique identification information of the card reader module 200, and the like.

The display unit 270 may emit light using a red LED or a blue LED to inform the current state of the card reader module 200 or to generate a specific beep sound such as a beep sound to recognize a signal have.

The controller 240 controls the overall operation 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 .

The power supply unit 230 may include a battery and a switching unit. The switching unit 232 may be a bipolar transistor, a MOS transistor, or other switching device. Can selectively supply power to the respective components of the battery.

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

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

4 to 5 are diagrams for explaining a selective card reading structure using a card reader module according to an embodiment of the present invention.

4 to 5, the card reader device including the card reader module 200 according to the embodiment of the present invention includes a groove-shaped guide (not shown) so that the IC and the MS- (253) may be formed. Particularly, the guide 253 can be extended to the receiving space 252A for connection with the IC card reader unit 252 at one end, and the opposite card can be extended at the other end to the inclined surface 258a of the draw- And may be formed in a groove structure to be drawn out at a predetermined angle.

4, the user can insert the card in the first direction 15, for example, in a direction perpendicular to the guide 253 formed in the reader unit 250. [ Accordingly, the user can read the IC card information without any additional sliding operation. The IC card reader unit 252 is provided with the IC chip 11 of the combination card 10 when the combination card 10 is normally inserted into the accommodation space 252 formed at one end of the guide 253, And a reading circuit for reading the IC card information.

In particular, according to the embodiment of the present invention, when the user does not read the IC card information or wants to read the MS card information, the user uses the drawing assistance unit 258 to perform reverse sliding . The lead-out auxiliary part 258 extends from the guide in the second direction so as to extend from the horizontal surface of the case of the leader part 250 at a predetermined angle, and extends in the second direction of the combination card 10 The inverse sliding of the slider can be induced. The second direction may be exemplified by the direction of the reference numeral 16 which forms a slope at a constant angle with respect to the horizontal.

In addition, the draw-out auxiliary part 258 may serve to induce normal insertion at the time of drawing and inserting, and may preferably have a minimum length. For example, the draw-out auxiliary portion 258 may be formed to have a length B smaller than the length A of the guide 253. The draw-out auxiliary part 258 can be extended to have a slope of a certain angle from the reference line 17 based on the IC inserted in the accommodation space 252 and the rear end of the MS-compatible card 10. Accordingly, when the card 10 is inserted vertically downward from the upper side as shown in FIG. 4, the user can easily recognize how much the card 10 is correctly inserted through the inclined surface of the draw-out auxiliary portion 258. For example, if the user fails to properly insert the card 10 to the end, it is possible for the user to recognize that the card 10 is still tilted by the draw-out auxiliary part 258, The card 10 can be moved along the guide 253 toward the receiving space 252 until the card 10 is correctly inserted into the receiving space 252. [

The MS card reader unit 251 is provided at one side of the groove of the guide so that the MS card reader unit 251 can be rotated in a direction opposite to the direction in which the combination card 10 MS card information can be read from the strip 12.

5, the MS card reader unit 251 may be configured such that, while the combination card is normally inserted, the MS card reader unit 251 is pulled out in the direction opposite to the first direction along the guide 253, And a magnetic head for acquiring card information in accordance with a magnetic field change formed by the strip.

In particular, the magnetic head may be provided at one position of the reverse sliding region 251A. For example, the magnetic head may be disposed at a predetermined distance from the center line 255 of the combination card 10 in a state where the combination card 10 is normally inserted, in a direction opposite to the first direction And may be disposed at a position on the guide 253.

Also, the magnetic head may be provided at one side of the guide by being rotated at a predetermined angle as the inclined surface of the draw-out auxiliary portion 258 with respect to the horizontal plane of the case of the reader unit 250. Thus, the reading of the card information can be accurately performed in the second direction in which the card information is reversely slid.

4 to 5, according to an embodiment of the present invention, the draw-out auxiliary part 258 may further include an angle adjusting part 257 for adjusting the predetermined angle. The angle adjusting unit 257 may include at least one of the angle adjusting unit and the physically formed manual adjusting unit. Accordingly, the seller or the user can easily adjust the predetermined angle at an angle that the seller or user can use.

Accordingly, when an issue occurs in the card information inserted by the user for reading the IC card, the embodiment of the present invention provides a useful structural feature that can read the MS card information simply by withdrawing the card .

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, It should be understood that various modifications may be made by those skilled in the art without departing from the spirit and scope of the present invention.

10: Combination card
11: IC chip
12: magnetic strip
100: terminal
200: card reader module
250:
251: MS Card Reader
252: IC card reader
253: Guide
251: Self Strip Reader
252: IC card reader
258:
300: relay server
400: card issuer server

Claims (12)

In a card reader device,
A case which forms a groove-shaped guide so that the IC and MS combination card can be inserted in the first direction;
An IC card reader unit including a leading circuit connected to an IC chip (CHIP) of the combination card and reading the IC card information when the combination card is normally inserted into a receiving space formed at one end of the guide by the user; And
When an error is generated in reading the IC card information in a state where the combination card is normally inserted into the IC card reader unit and connected to the IC chip of the IC reading circuit, The MS card information is read from the magnetic strip of the combination card while being inversely slid in a second direction having a slope corresponding to an axis different from the first direction, Lt; RTI ID = 0.0 > MS < / RTI &
Card reader device. The method according to claim 1,
Further comprising a draw-out auxiliary portion extending from the guide in the second direction so as to extend at an angle with the horizontal plane of the case to induce reverse sliding of the combination card in the second direction
Card reader device. 3. The method of claim 2,
The MS card reader unit
And a magnetic head for acquiring card information according to a magnetic field change formed by the magnetic strip while the combination card is drawn out in the second direction along the inclined surface in the normally inserted state
Card reader device. The method of claim 3,
Wherein the magnetic head is rotated at the predetermined angle along the inclined surface with respect to the horizontal plane,
Card reader device. 3. The method of claim 2,
The draw-out auxiliary part further includes an angle adjusting part for adjusting the predetermined angle
Card reader device. 6. The method of claim 5,
Wherein the angle adjuster comprises at least one of electrically actuated angle adjusting means or physically formed manual adjusting means
Card reader device. 1. A card reader module connected to a terminal for reading card information,
A connector inserted into the terminal to transmit and receive a signal;
A reader unit for selectively reading card information of an IC and an MS-compatible card inserted while the connector is connected;
An encryption unit for encrypting the read card information; And
And an interface unit for transmitting the encrypted card information to the terminal through the connector,
The reader unit
A case which forms a groove-shaped guide so that the IC and MS combination card can be inserted in the first direction;
An IC card reader unit including a reading circuit connected to an IC chip (CHIP) of the combination card and reading the IC card information when the combination card is normally inserted into a receiving space formed at one end of the guide; And
When the error is generated in reading the IC card information while the IC card reader is normally inserted into the IC card reader and connected to the IC chip of the IC reading circuit, The MS card information is read from the magnetic strip of the combination card while being inversely slid in a second direction having a slope corresponding to an axis different from the direction of the MS card, Card reader unit
Card reader module. 8. The method of claim 7,
Further comprising a draw-out auxiliary portion extending from the guide in the second direction so as to extend at an angle with the horizontal plane of the case to induce reverse sliding of the combination card in the second direction
Card reader module. 9. The method of claim 8,
The MS card reader unit
And a magnetic head for acquiring card information according to a magnetic field change formed by the magnetic strip while the combination card is drawn out in the second direction along the inclined surface in the normally inserted state
Card reader module. 10. The method of claim 9,
Wherein the magnetic head is rotated at the predetermined angle along the inclined surface with respect to the horizontal plane,
Card reader module. 9. The method of claim 8,
The draw-out auxiliary part further includes an angle adjusting part for adjusting the predetermined angle
Card reader module. 12. The method of claim 11,
Wherein the angle adjuster comprises at least one of electrically actuated angle adjusting means or physically formed manual adjusting means
Card reader module.

Images