KR20010078829A - Manless credit card authorization method and system allowing joint use by a plurality of stores, and method of inquiring transaction record for each store - Google Patents

Abstract

PURPOSE: A method and system for approving a manless credit card is provided for small sized stores to use a credit card approval device commonly without installing a credit card approval device by each store. CONSTITUTION: A client receives a store ID card from a store and selects wanted service menu and inputs the store ID in a card reader(S200). The client's credit card is inputted in the card reader(S210) and the client inputs transaction information as a price and an allotment month number of a commodity through a keypad of a manless credit card approval device(S220). The manless credit card approval device prepares and codes contents to be transmitted to a VAN(value added network) based on the store ID card, the client's credit card, and transaction information and transmits the contents to the VAN(S230). The VAN decodes and interprets the contents and transmits the decoded contents to the corresponding card company(S240). The card company decodes and interprets the transmitted contents and outputs the result of a credit card approval to the VAN(S250). The VAN decodes and interprets the result of a credit card approval and codes the result and transmits the coded result to the credit card approval device(S260). The credit card approval device decodes and interprets the result received by the VAN and prints the result on a selling ticket(S270).

Description

MANUALS CREDIT CARD AUTHORIZATION METHOD AND SYSTEM ALLOWING JOINT USE BY A PLURALITY OF STORES, AND METHOD OF INQUIRING TRANSACTION RECORD FOR EACH STORE}

The present invention relates to an unmanned credit card authorization method and system, and more particularly to a method and system for unmanned credit card authorization that can be jointly used by small stores that can not be installed in each store.

In general, the approval and payment of credit cards is made through a credit card authorization device provided in each store. That is, when a customer enters a credit card and enters information such as the price of a purchased product, the inputted information is transferred to a specific card company through a value added network (hereinafter, referred to as a 'VAN') through a dedicated line or a wired telephone network. Is sent. Then, the approval of the card is made through the card company's authentication and inquiry procedure, and the sales slip is output from the credit card approving machine to establish a credit card transaction.

However, in order to make a transaction using a credit card, there is a burden that a credit card applicator must be separately provided for each store. Therefore, in the case of a small store having a small business size, there is a case where a transaction by credit card is not possible due to the installation cost of a credit card authorization machine, but only by cash.

In addition, there is a problem in that small stores do not install a credit card approver and only perform cash-based transactions, so that proper taxation is not made, thereby impeding the activation of credit card transactions.

The present invention is to solve the problems described above, an object of the present invention is to provide a single unmanned credit card authorization system that can be used jointly by small stores without installing a separate credit card authorization for each store will be.

Another object of the present invention is to provide an unmanned credit card system that can be directly connected to a card company via a VAN company or directly through the Internet network.

Another object of the present invention is to provide an unmanned credit card system that can query the transaction history for each store.

Another object of the present invention is to enable all stores to conduct transactions by credit card to achieve proper taxation and activation of credit card transactions.

1 is a schematic configuration diagram of an unmanned credit card approval system according to the present invention.

FIG. 2 is a block diagram illustrating a hardware configuration of the unattended credit card acceptor of FIG. 1.

3 is a flowchart illustrating an unmanned credit card approval method according to a first embodiment of the present invention.

4 is a flowchart illustrating an unmanned credit card approval method according to a second embodiment of the present invention.

5 is a flowchart illustrating a method for retrieving transaction details for each store according to the present invention.

6A to 6E are diagrams illustrating screens displayed on a monitor of an unmanned credit card approval system according to the present invention.

Explanation of symbols on the main parts of the drawings

10: unattended credit card authorization 20: Internet network

30: VAN company 40: a plurality of card companies

110: PC 112: CPU

114: memory unit 116: keypad interface unit

118: output interface unit 120: modem

122: Internet connection 130: card reader

140: keypad 150: monitor

160: printer

In order to achieve the above object, the present invention is an unmanned credit card approval method that can be used jointly by a plurality of stores with one unmanned credit card approver, and enters a store ID card capable of identifying a store in the unattended credit card approver. Making; Inputting the credit card of the customer in the unmanned credit card approver; Inputting predetermined transaction information into an unmanned credit card approver; Transmitting the full text requesting the transaction approval from the unmanned credit card authorization machine to the card company; Transmitting the full text of the transaction approval request from the card company to the unattended credit card approver; And receiving and interpreting the full text of the result and outputting it as a sales slip.

In order to achieve the other object of the present invention, the present invention is in an environment where a plurality of stores can approve a credit card transaction with a customer with one unmanned credit card applicator through a store ID card that can identify each store, Inputting a store ID card into an unattended credit card approver; Inputting a store password into an unattended credit card applicator; Retrieving the transaction history of the store through a database of the credit card transaction authorization corresponding to the store; And it provides a store-specific transaction history query method comprising the step of outputting the transaction history of the retrieved store from the unmanned credit card authorization.

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

1 is a schematic configuration diagram of an unmanned credit card approval system according to the present invention.

Referring to FIG. 1, the unmanned credit card approval system receives an unattended credit card approver 10, an internet network 20, and a plurality of credits that can receive a card transaction and output a sales slip by inputting a card and transaction information. Card companies 40, and VAN company 30 that connects the transfer of card authorization and payment information between the unattended credit card authorization machine 10 and credit card companies (40).

FIG. 2 is a block diagram showing the hardware configuration of the unattended credit card acceptor 10 of FIG.

Referring to FIG. 2, the unmanned credit card approver 10 receives a PC 110, a store ID card (which will be described in detail below), or a customer credit card to provide a card interface and store information stored on the card. A card reader 130 for reading, a function key for selecting a menu, a keypad for inputting transaction information by providing a numeric key, and the like, a monitor for displaying menu and processing information during a credit card approval and payment process of a user 150, and a printer 160 for outputting sales slips.

Here, the keypad 140 may be configured in the form of a touch screen on the monitor 150 as well as a keypad with a separate keyboard. In addition, the card reader 130 and the PC 110, the printer 160 and the PC 110 are connected by RS-232C (Recommended Standard 232 Revision C), respectively.

The PC 110 is composed of a CPU 112, a memory unit 114, a keypad interface unit 116, an output interface unit 118, a modem 120, and an internet connection unit 122.

The CPU 112 functions to control each component of the PC 110 to perform its own functions, and the memory unit 114 includes a general operating program of the PC 110 and an unattended credit according to the present invention. Stores programs for full text creation and analysis, user interface, store information retrieval, and data transfer to enable card authorization.

The keypad interface unit 118 converts transaction information input through the keypad 140 into information in a form that the PC 100 can recognize, and the output interface unit 118 processes the CPU 112. The printer 160 displays the user menu and processing information on the monitor 150 or outputs the sales slip according to the information.

The modem 120 provides a connection port between the unmanned credit card acceptor 10 and the VAN, and the internet connection 122 is connected to the Internet network by an unattended credit card acceptor 10 such as, for example, a LAN card. This module enables you to send and receive data.

In the unattended credit card authorization system configured as described above, a description will be given of a process in which a plurality of stores according to the present invention jointly use a credit card approver to approve and approve a credit card.

First, the unmanned credit card approval method according to the first embodiment of the present invention will be described. The unmanned credit card approval method according to the first embodiment of the present invention uses the modem 120 of FIG. 2 or the Internet connection unit of FIG. 122) is used to exchange data with a card company via a VAN company via an Internet network.

Prior to explaining the process of unmanned credit card authorization, the store ID card will first be described. The store ID card is issued to each store registered in the unmanned credit card authorization system. This card stores store identification numbers and store passwords. The unattended credit card authorization system will database each store ID card's identification number and password, and establish a basic database for each registered store such as the store's trade name, business registration number and credit card operator authorization number. Will be.

3 is a flowchart illustrating an unmanned credit card approval method according to a first embodiment of the present invention.

First, a customer who purchases an item at a store and makes a transaction with a credit card receives a store ID card from the store, and moves to, for example, an unattended credit card approving machine 10 located at a predetermined place of the store to which the store belongs. The customer selects a desired service menu (ie, credit card payment approval) in the unattended credit card applicator and enters a store ID card in the card reader 130 (S200). In this input process, a separate input of the store password is not necessary.

Next, the customer's own credit card is input to the card reader 130 (S210), the transaction information such as the price of the purchased goods and the number of installment months through the keypad 140 of the unattended credit card approving machine 10 Enter (S220).

The unmanned credit card approver 10 prepares and encrypts a message to be sent to the VAN company 30 based on the store ID card, the customer credit card, and the transaction information input as described above, and then sends it to the VAN company 30. (S230).

The VAN company 30 decrypts and interprets the full text received from the unmanned credit card acceptor 10, converts the text into the full text format of the card company corresponding to the customer's credit card, and transmits the encrypted text to the card company. (S240).

The card company decrypts and interprets the full text received from the VAN company 30, and then writes and encrypts the result full text of the approval of the credit card transaction and transmits it to the VAN company 30 (S250).

The VAN company 30 decodes and interprets the result text received from the card company, rewrites and encrypts it in the specialized format of the unattended credit card approving machine 10, and transmits it to the unattended credit card approving machine 10 (S260). ).

Thereafter, the unattended credit card applicator 10 decrypts and interprets the result text received from the VAN company 30, and then prints it out as a sales slip through the printer 160 (S270).

Finally, when the customer checks the sales slip, signs and moves to the store, gives the sales slip to the store owner and receives the goods, the unmanned credit card approval process according to the first embodiment of the present invention ends.

Next, an unmanned credit card approval method according to a second embodiment of the present invention will be described. The second embodiment differs from the first embodiment in that the second embodiment transmits and receives data directly to and from the card company via the Internet network 20 without passing through a VAN company. Internet connection 122 installed in 10) is used.

4 is a flowchart illustrating an unmanned credit card approval method according to a second embodiment of the present invention. The description of the second embodiment will be described focusing on the differences from the first embodiment, and the description of the same parts will be simplified.

The customer selects a desired service menu (ie, credit card payment approval) in the unattended credit card applicator and enters a store ID card in the card reader 130 (S300).

Next, the customer's own credit card is input to the card reader 130 (S310), the transaction information is input via the keypad 140 (S320).

In the unattended credit card approving machine (10), based on the above-described store ID card, customer credit card, and transaction information, a text to be sent to the card company is prepared and encrypted, and then transmitted to the card company through the Internet network (20). (S330).

The card company decrypts and interprets the full text received from the unattended credit card approving machine 10, prepares and encrypts the result text for the approval of the credit card transaction, and transmits it to the unattended credit card approving machine 10 (S340). .

In the unattended credit card approving machine 10, after decrypting and interpreting the result text received from the card company, it is printed out as a sales slip through the printer 160 (S350).

Finally, when the customer checks the sales slip, signs and moves to the store, gives the sales slip to the store owner and receives the goods, the unmanned credit card approval process according to the first embodiment of the present invention ends.

According to the unmanned credit card approval method according to the first and second embodiments of the present invention as described above, a small number of stores do not have a separate credit card approver for each store, for example, a predetermined number of stores belonging to the stores. A credit card approver installed at the location allows credit card authorization and payment.

Next, it will be described how to query the transaction history for each store in the unattended credit card authorization system of the present invention.

As described above, the store ID card issued for each store is used in the process of making a credit card payment by a jointly installed unmanned credit card applicator, and the identification number, password of each store ID card, trade name of each store, and business registration Since a database of information about each registered store, such as a number and a credit card operator approval number, is established, credit card transactions for each store can also be databased in an unmanned credit card approval system.

5 is a flowchart illustrating a method for retrieving transaction details for each store according to the present invention.

First, the store owner selects the desired service menu (that is, the store-specific credit card transaction inquiry) in the unattended credit card applicator and enters the store ID card in the card reader 130 (S400).

Unlike a credit card payment approval process of a general customer, a store ID card password is required in a store credit card transaction history inquiry process, and a store owner inputs a password of a store ID card through a keypad 140 (S410).

Next, the store owner inputs the desired transaction details search conditions, and the unmanned credit card approval device 10 searches for the transaction details of the corresponding store through a pre-stored database (S420).

Finally, the transaction details of the corresponding store are displayed on the monitor 150 of the unmanned credit card applicator 10, or if necessary, the transaction details of the corresponding store are printed out through the printer 160 according to the present invention. The transaction history inquiry process for each store ends (S430).

Next, the screen displayed on the user interface side, that is, the monitor 150 of the unmanned credit card applicator 10 in the unmanned credit card approval method according to the present invention will be described.

6A to 6E are diagrams showing screens displayed on the monitor 150 of the unattended credit card authorization system according to the present invention.

Referring to FIG. 6A, the initial screen is composed of two selection menus, namely, a credit card settlement approval menu for customers and a credit card transaction history inquiry menu for stores. As described above, the menu may be selected in the form of a touch screen. Assume that you have selected the credit card payment authorization menu for customers.

Referring to Fig. 6B, the items displayed on the monitor 150 at the time of inputting the store ID card and the customer credit card, respectively, are shown.

Referring to FIG. 6C, after inputting a store ID card and a customer credit card, a process of inputting transaction information such as input of a purchased item price and input of an installment month number (not shown) is illustrated, and with reference to FIG. 6D. Then, the transaction matters that become the contents of the full text requesting the transaction approval to the card company is shown.

Referring to FIG. 6E, a screen displayed on the monitor 150 during a transaction approval process of a card company through a VAN or an internet network, and a screen displayed on the monitor 150 after a transaction approval is shown.

Although the invention has been particularly shown and described with reference to the above embodiments, it has been used for the purpose of illustration and those of ordinary skill in the art to which the invention pertains have the spirit and scope of the invention as defined in the appended claims. Various modifications can be made without departing.

As described above, according to the present invention, small stores can jointly use the credit card applicator without installing a separate credit card approver for each store, which is used not only through the existing communication network through VAN company but also through the internet network. The effect is to provide a single unattended credit card authorization system where possible.

In addition, by allowing all stores to conduct transactions by credit card, there is an effect of activating appropriate taxation and credit card transactions.

Claims (9)

An unmanned credit card authorization method that multiple stores can jointly use with one unattended credit card approver, a) inputting a store ID card capable of identifying a store in the unmanned credit card approver; b) entering a customer's credit card into the unattended credit card approver; c) inputting predetermined transaction information into the unattended credit card approver; d) transmitting a telegram requesting a transaction approval from the unattended credit card authorization machine to a card company; e) sending the full text of the transaction approval request from the card company to the unattended credit card approver; And f) receiving and interpreting the full text of the result and outputting it as a sales slip. The method of claim 1, Step d) d1) preparing a full text requesting a transaction approval in the unmanned credit card approver and transmitting it to a VAN company; And d2) interpreting and converting the full text received from the unmanned credit card approver in the VAN company and transmitting the same to the card company; Step e) e1) interpreting the full text received from the VAN company at the card company, creating a result text for the credit card transaction approval, and transmitting the full text to the VAN company; And e2) interpreting and converting the full text received from the card company in the VAN company and transmitting the converted text to the unattended credit card approver. The method of claim 1, Step d) is to transmit the full text directly from the unmanned credit card authorization machine to the card company through the Internet network, The step e) is characterized in that for transmitting the full text of the result directly from the card company to the unattended credit card authorization through the Internet. The method according to any one of claims 1 to 3, And the store ID card stores information such as an identification number and a trade name of the corresponding store, so that the store ID card can indicate in which store the transaction of the credit card is made. In an environment where multiple stores can approve credit card transactions with customers through a store ID card that can identify each store, a) entering the store ID card into the unattended credit card approver; b) entering the password of the store into the unattended credit card approver; c) retrieving the transaction history of the store through a database of credit card transaction authorization corresponding to the store; And and d) outputting the transaction details of the searched store from the unmanned credit card approver. The method of claim 5, The store ID card stores information such as an identification number, a password, and a trade name of the corresponding store, so that the information on the transaction of the credit card of the corresponding store made through the unmanned credit card approval device may be databased. Way. An unmanned credit card authorization system including an unmanned credit card approver that can input credit card and transaction information to approve a card transaction, a VAN company networked with the unmanned credit card approver, and a card company networked with the VAN company, The unattended credit card authorization Means for inputting a store ID card and a customer's credit card for identifying a store; Means for receiving predetermined transaction information on a transaction of the credit card; Transmitting the full text requesting the credit card transaction approval to the card company via the VAN company; And Means for interpreting the full text of the transaction approval request received from the card company via the VAN company and then outputting it as a sales slip. An unmanned credit card approval system including an unmanned credit card approver that can input credit card and transaction information to approve a card transaction, and a card company connected through the unattended credit card approver and the internet network, The unattended credit card authorization Means for inputting a store ID card and a customer's credit card for identifying a store; Means for receiving predetermined transaction information on a transaction of the credit card; Transmitting the full text requesting the credit card transaction approval to the card company through the Internet network; And And a means for interpreting the full text of the transaction approval request received from the card company through the internet network and outputting it as a sales slip. The method according to claim 7 or 8, The store ID card stores information such as identification number and trade name of the store, so that it can indicate in which store the transaction of the credit card is made.