KR100376144B1 - Credit Card Inquiry Apparatus and its System - Google Patents

Abstract

The present invention relates to a credit card inquiry and inquiry system, a key input unit 110 configured with a plurality of input keys for cash payment, credit card payment, receipt output, sales slip output, sales result output and function selection, and a receipt. , A receipt output unit 140 for outputting sales slips and sales results, a card reader unit 120 for reading a cash or credit card, and a control unit for storing or outputting input / output data or transmitting and receiving data for communication. The vehicle terminal 20, the notebook 40, or the portable personal to the portable mobile communication terminal 10 with a credit card inquiry device 100 including an interface unit 130 for interworking with various terminal devices 130 and 130. Inquiries of various credit cards by interlocking the information terminal 50 and the like, outputting receipts such as sales slips, and the like in connection with various portable mobile communication terminals or portable personal information terminals, etc. AN To communicate information data with an operator network.

Description

Credit Card Inquiry Apparatus and its System}

The present invention relates to a credit card inquiry and inquiry system, and more specifically, to look up a variety of credit cards, output receipts, such as sales slips, in connection with various portable mobile communication terminal or portable personal information terminal, etc. The present invention relates to a credit card inquiry and inquiry system for communicating information data with a VAN provider network.

Conventionally, a credit card checker is installed in a general branch office or a business office affiliated with a bank or card company that issues a credit card as a card merchant. Such a credit card checker is a wired (telephone line) or leased line. Is connected to.

As such, the credit card checker reads the magnetic part in which the credit card information is recorded, and then checks the credit status or usage status of the credit card from the corresponding bank, card company or VAN provider network through the wired network. The result is approved by the credit card checker, and the amount used is entered through the key input unit of the credit card checker, so that a receipt or sales slip for the use of the card is output. Three cards are issued for card companies, merchants and cardholders.

In this way, the conventional credit card inquiry machine is almost fixedly used by being connected to a credit card merchant or the like, and the credit card inquiry machine is limited in use because it is bulky and heavy. There is no additional function besides the function.

Therefore, it is not easy to use such a credit card checker as a portable or mobile device, so a taxi, a traveling salesman, or an after-sales service member cannot receive a credit card payment instead of cash. Without checking the credit card, simply deposit the serial number or the name of the cardholder on the front of the credit card in the corresponding column of the receipt or sales slip, and then deposit the credit card. In case there were many troublesome problems.

The present invention is to solve the above problems, to reduce the size and weight of the credit card inquiry machine to carry, and to connect a portable mobile communication terminal, such as a vehicle terminal (taxi meter) or traffic card or laptop or portable personal information terminal And it is an object to provide a credit card inquiry machine that performs all inquiry functions and communication in conjunction with.

In addition, the present invention performs wired or wireless communication with the terminal for transmitting and receiving a variety of communication and information data in conjunction with the credit card inquiry, and inquiries about the credit card information in connection with the VAN operator network and bank / card provider network It is a further object to provide a system capable of doing so.

1 is a block diagram of a credit card inquiry machine according to the present invention;

2 is a block diagram of an entire system for the utilization of the credit card inquiry machine according to the present invention,

3 is a configuration diagram of a credit card inquiry system when interworking with a vehicle terminal according to an embodiment of the present invention;

4 is a configuration diagram of a credit card inquiry system when interworking with a notebook or a portable personal information terminal according to another embodiment of the present invention;

5 is a block diagram of a standalone credit card inquiry system according to the present invention.

♣ Explanation of symbols for main part of drawing ♣

10: portable mobile communication terminal 20: vehicle terminal

30: Wireless Card Reader 40: Laptop

50: portable personal information terminal 100: credit card inquiry

110: receipt output unit 120: key input unit

130: card reader unit 140: control unit

200: vehicle credit card inquiry system 300: personal business credit card inquiry system

400: VAN Business Network 500: Bank / Card Business Network

The present invention, for the above purpose, cash input, credit card payment, receipt output, sales slip output, sales result output and key input unit consisting of a plurality of input keys for function selection, output receipt, sales slip and business results Includes a receipt output unit, a card reader unit for reading a cash or credit card, a control unit for storing or outputting the data input or output or transmitting and receiving data for communication, and an interface unit for interworking with various terminal devices This can be accomplished by providing a credit card checker.

The present invention also provides a portable mobile communication terminal for wireless data communication, a vehicle terminal for inquiring or transmitting / receiving data and various data of a vehicle, and wirelessly reading and paying an IC card, a smart card or a transportation card. A card reader, a credit card inquiry device connected to the vehicle terminal and a wireless card reader interface to transmit and receive data, and a credit card inquiry device and a portable mobile communication terminal connected to the interface to query various data or input / output communication data. A laptop and portable personal information terminal, a VAN provider network that transmits and receives data wirelessly to and from a portable mobile communication terminal, and a bank / card provider network that connects to the VAN provider network through a dedicated line and sends credit inquiries and results. Credit card inquiry system that can inquire credit card It is characterized by the construction.

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

1 is a block diagram of a credit card inquiry machine according to the present invention, Figure 2 is a block diagram of the entire system for the utilization of the credit card inquiry machine.

In the present invention, first look at the credit card lookup machine that can be used in conjunction with the automated credit card lookup system, the key input unit 110 of the credit card lookup 100 is entered at the time of payment by cash or credit card to the corresponding amount Cash payment key 112 and credit card payment key 113 for issuing a receipt or sales slip for the bill is included, and a receipt output key 111 for operating to output a corresponding receipt or sales slip is included. A function selection key 114 for outputting business results or selecting various functions is included, and a power key 115 for turning on or off the power is included. In addition, a lower portion of the key input unit 110 includes a plurality of display lamps 116 for visually displaying the input state or the operating state of the power.

In addition, the receipt output unit 110 outputs a receipt or a sales slip and sales results, and a predetermined space therein is provided with a paper and a printing device for output, and the paper is configured to be easily removable. Is preferably printed by a dot type or thermal type printer. The receipt output unit 110 is configured with a cover covering the paper and the printing device, the cover is formed with a slot for outputting a receipt or sales slip.

The card reader unit 130 reads a cash card or a credit card, and the card reader unit 130 has a slot formed horizontally so that the magnetic part of the card is read when the card is inserted from left to right. Information on the card is read by the recognition means configured inside the 130. It is preferable that the recognition means can read the magnetic card, but it is also possible to read the information stored in the IC card or smart card. In addition, the card reader 130 may load and unload the card into the inquiry machine to read the card information.

The controller 140 stores or outputs data to be input / output or transmits and receives data for communication. The controller 140 includes a microcomputer and a control circuit.

The modem 160 is for interfacing with the terminal interworking with the credit card inquiry device 100 to perform wired communication.

The interface unit 150 is for interworking with various terminal devices, and the interface unit 150 includes a connector or a jack for connecting to an external device.

The credit card lookup device 100 of the present invention preferably controls the wireless data equipment serially and is equipped with a TCP / IP and PPP stack. In addition, it supports SMS (Short Message Service), WAP (Wireless Application Protocol) gateway, and the like.

In addition, security and authentication is an IC card security algorithm, which is secured as triple DES in the terminal, which is a method of applying the DES algorithm three times.

In addition, it is preferable to use a rechargeable battery for power supply, and in some cases, a general battery may also be applied.

On the other hand, the present invention is configured with a terminal and communication network that is linked to and interlocked with the credit card query device 100. As such a linked and interworking terminal, the portable mobile communication terminal is for wireless data communication, and a CDMA digital phone or a PCS phone is applied.

The vehicle terminal is for querying the vehicle's driving information and various data, and for transmitting and receiving data, and the vehicle terminal is for inputting and outputting various data related to the operation of the vehicle with a meter used in a taxi, bus, or truck.

The wireless card reader 30 reads and loads embedded information such as various IC cards, smart cards, or traffic cards. In addition, the wireless card reader 30 is applied in a non-contact manner to read or record the data of the card at a predetermined distance.

The notebook 40 or the portable personal information terminal 50 is connected to the credit card inquiry device 100 and the portable mobile communication terminal 10 by inquiring various data or inputting / outputting communication data. To store or send and receive stored information.

Notebooks and personal digital assistants (PDAs) include a modem capable of transmitting and receiving data or a CPU for processing the same.

The VAN provider network 400 includes a server for transmitting and receiving data wirelessly with the portable mobile communication terminal 10. The VAN provider network 400 leases a communication line from a telecommunications provider to a third party. It is a communication network that mainly provides packet-switching services, and has added value such as communication speed conversion, error code recovery of the conversion protocol of the code and interface, and error recovery.

The bank / card provider network 500 includes a server that is connected to the VAN provider network 400 by a dedicated line and inquires a credit card or transmits the inquired result. The bank / card provider network 500 is issued to a card member. It contains information about a credit card and members' credit. The bank / card provider network 500 may be used in conjunction with the Financial Services Agency.

Such a credit card inquiry system may be divided into a configuration of a system for carrying a general vehicle and an after-sales service or sales personnel carry.

First, the configuration and communication of the system when used for a vehicle, in the configuration diagram of FIG. 3, when linked with the vehicle terminal 20, the credit card payment key 113 of the key input unit 110 configured in the credit card inquiry machine 100. After the step S10 of inputting the credit card is inserted into the card reader unit 130, the step S11 of reading is performed.

In addition, after dialing the portable mobile communication terminal 10 connected in step S12, the virtual IP is allocated, and then accesses the VAN provider network 400, and checks the connection from the VAN provider network 400 in step S13. And transmits information (card information, card number, payment amount, etc.) about the credit card read in step S14. In step S15, the credit check is performed from the VAN operator network 400 to the bank / card operator network 500, and in step S16, the credit check is performed from the bank / card operator network 500 to the VAN operator network 400. The result is transmitted, and in step S17, the VAN provider network 400 transmits the credit inquiry result to the IP assigned to the portable mobile communication terminal 10 to terminate the connection. .

In step S18, the credit inquiry result received from the vehicle terminal 20 is stored, and when the credit inquiry result is approved in step S19, a sales slip for the company is issued and output through the credit card inquiry machine 100. After printing the sales slip for the company, the sales slip for the customer is issued and output.

Next, in the configuration diagram of the credit card inquiry system when interworking with a notebook or a portable personal information terminal in FIG. 4, the credit card inquiry system 100 may be linked with the notebook 40 or the portable personal information terminal 50. When the same step (S10) is performed in the same step (S10), but the result of the credit inquiry is stored in the notebook 40 or the portable personal information terminal 50. When the mobile communication terminal 10 is connected to the mobile communication provider network, the virtual IP is allocated, and the inquiry result is transmitted to the allocated IP.

In addition, referring to the configuration of the stand-alone credit card inquiry system of FIG. 5, the credit card query device 100 is connected with a portable mobile communication terminal 10 having a built-in TCP / IP and performing network access and communication. In order to directly output a credit inquiry and a receipt or a sales slip, the decision of how to input the amount for credit inquiry and the method of displaying the credit inquiry result must be preceded. ), The amount of input and the result of the credit inquiry can be configured in various ways.

That is, the card may be dialed for direct access from the credit card inquiring machine 100 or manually dialed in the portable mobile communication terminal 10. The input of the amount for credit inquiry may be a key input of the portable mobile communication terminal 10. By using the unit, and using a portable mobile communication terminal (10) with a built-in TCP / IP is connected to the corresponding mobile communication provider network is assigned a virtual IP. The portable mobile communication terminal 10 inquires the credit result through a dedicated line with the VAN provider network 400 through the mobile communication provider network.

After the inquiry result is transmitted to the IP assigned to the mobile communication terminal 10, the result received by the mobile communication terminal 10 is displayed on the LCD, and the inquiry result is stored in the credit card inquiry device 100.

Furthermore, in FIG. 5, a series of procedures related to credit inquiry, as well as TCP / IP-based communication through a PPP connection through the mobile communication terminal 10 and the credit card inquiry system 100, may be performed by a short message service (SMS) and a wireless application. Send and receive over protocol (WAP).

As described above, the present invention is linked to a terminal device that can be carried while operating a vehicle or a salesperson or an A / S agent such as a credit card inquiry, credit inquiry and result storage and receipt or sales slip for credit card inquiry. It is possible to output the etc., and is not limited only to the above-described embodiment, and those skilled in the art will be able to easily change or replace.

As described above, the credit card inquiry and inquiry system of the present invention includes a key input unit configured with a plurality of keys for operation, a card reader unit for reading a credit card, and a receipt output unit for outputting a receipt or sales slip or business results. It is a credit card inquiry system that can be used to connect a car terminal, a laptop or a portable personal information terminal to establish a system that enables communication and credit card inquiry through a portable mobile communication terminal. Adding functions, issuing simple receipts, linking with other terminals, and storing and printing the sales status of sales staff, makes it easy to look up credit cards while carrying them, pursuing convenience and activating the use of credit cards. It works.

Claims (8)

delete delete delete A portable mobile communication terminal for wireless data communication; A vehicle terminal for querying driving information and various data of a vehicle or transmitting and receiving data; With a wireless card reader which reads an IC card, a smart card or a transportation card and pays it, A credit card inquiry device connected to an interface with the vehicle terminal and a wireless card reader to transmit and receive data; A laptop and a portable personal information terminal connected to a credit card inquiry device and a portable mobile communication terminal to query various data or input / output communication data; A VAN provider network for transmitting and receiving data wirelessly with a portable mobile communication terminal; A credit card inquiry system, characterized in that a bank / card provider network for inquiring a credit card and transmitting a result is linked to and connected to a VAN provider network to query a credit card. The method of claim 4, wherein when the credit card inquiry device is linked with a vehicle terminal, Inputting a credit card payment key of a key input unit configured in the credit card checker; Reading the credit card to the card reader; Accessing a VAN provider network through a connected portable mobile terminal and assigning a virtual IP; Verifying access from the VAN provider network; Transmitting information about the read credit card, Conducting credit checks from the VAN provider network to the bank / card provider network; Transmitting credit check results from the bank / card provider network to the VAN provider network; Transmitting the credit inquiry result to the assigned IP of the corresponding mobile mobile communication terminal in the VAN provider network and terminating the connection; Storing the credit inquiry result received at the vehicle terminal; When the credit inquiry result is approved, the credit card inquiry system issues and outputs the sales slip for the company through the credit card inquiry machine, and outputs the sales slip for the customer after the output of the sales slip for the company. . The method according to claim 4 or 5, wherein when the credit card inquiry device is linked with a notebook or a portable personal information terminal, the same procedure as the step of interworking with a vehicle terminal is performed, but the result of the credit inquiry received from the VAN provider network is stored. A credit card inquiry system, comprising the steps of storing in the portable personal information terminal. The method according to claim 4 or 5, wherein when the credit card inquiry device is directly linked to a portable mobile communication terminal, it is the same as the step of interworking with a vehicle terminal, but the input of the amount and the inquiry result in the mobile communication terminal. Displaying, and storing the inquiry result in the credit card inquiry machine. 8. The method of claim 7, wherein when the credit card inquiry machine is interworking with a portable mobile terminal in a stand-alone manner, a series of procedures related to credit inquiry as well as TCP / IP-based communication through a PPP connection through a mobile communication terminal and a credit card inquiry machine Credit card inquiry system, characterized in that the transmission and reception via a short message service (SMS) and wireless application protocol (WAP).