KR20020090978A - Method And System for Approval Credit Card - Google Patents

Abstract

PURPOSE: A system and a method for approving a credit card payment are provided to approve the use of a credit card only if an inputted password is agreed with a number registered to a certification server of a credit card payment company. CONSTITUTION: An interface module(120) enables many credit card readers(100) on a network to communicate with the credit card payment company. The certification server(140) receives a credit card number and the password of a registered customer through the interface module, compares the received information with the stored information, and decides the certification or the impossibility of the credit card payment according to a comparison. The certification server includes a member database(140a) storing and managing the credit card number, the resident registration number and an address of the customer, a card password storing part(140b) storing and managing the credit card password of the customer, and a certification control part(140c) operating a program receiving and comparing the credit card number and the password of the customer and transmitting a payment certification message to the credit card reader.

Description

Method and System for Approval Credit Card}

The present invention relates to a credit card payment approval system for authenticating a magnetic card such as, for example, a credit card and a debit card. More specifically, when paying for a product with a credit card, it is necessary to secure a buyer's credit to secure a transaction. The present invention relates to a credit card payment approval system and method for notifying the availability of a card after verifying authenticity by receiving a card password and authenticating the card payment.

In general, credit cards issued by banks, credit cards and debit cards issued by professional card companies are widely used in cash, so they are widely used due to their convenience and portability. In order to maintain an accurate commerce order and prevent fraudulent profits due to cash payments, the use of credit or debit cards is highly recommended at the national level.

As a result of the convenience of the use of the card as compared to cash, the number of users of credit or debit cards is increasing day by day, while the problems of using credit and debit cards are being discharged. One of them is a problem caused by bad traders or fraudsters.

Therefore, a department store or a company that sells goods or provides a service uses a credit card checker to check the credit status of the payer when paying by credit card or debit card.

There are many types of credit card inquiry machines. Among them, in the case of a printer-type inquiry machine, a modem connected to a telephone line is used to connect to a server of each credit card settlement company.

Such a credit card inquiry machine reads the information recorded on the card, that is, the serial number of the card and provides it to the corresponding credit card settlement company's server.

And the server of each credit card settlement company checks the current credit status of the input card user at that time and transmits the card approval to the credit card inquiry. Then, the credit card checker prints and prints the sales slip (receipt) on its own printer when the credit card is paid by the credit card.

However, the above credit card settlement approval method is authorized to use only the card user's information, such as information recorded on the credit card and information that is databased at each credit card settlement company, without inputting the card user's password. By doing so, the illegal and illegal settlement person who acquired another person's credit card may purchase the item using the other person's credit card instead of his or her own credit card, thereby causing a serious damage to the lost person of the credit card.

Therefore, an object of the present invention is to enter the password of the card at the time of credit card payment, credit card payment only to approve the use of the credit card only when the password matches the number registered in the credit card settlement company's certificate server This system provides an authorization system, where the customer enters the payment card's password into the credit card checker and the credit card settlement company confirms the authenticity with the database's password. Is sent to the credit card lookup.

Another object of the present invention is to provide a credit card payment after the credit card payment company to issue a personal credit card without crediting any information about the personal information of the individual as well as credit card payment is possible To provide an approval system and method.

Other objects of the present invention will become more apparent from the following detailed description and the accompanying drawings.

1 is a block diagram showing an embodiment provided in the description of the credit card payment approval system group according to the present invention,

FIG. 2 is a block diagram showing a system configuration of the credit card inquiry device of FIG. 1;

Figure 3 is a flow chart for the payment approval performed in the credit card payment approval system according to the present invention.

<Description of the symbols for the main parts of the drawings>

10 microprocessor 12 card reader

14: keypad 16: liquid crystal display

18: modem 100: credit card inquiry

110: exchange station 120: interface module

130: credit card payment company 140: authentication server

Credit card settlement approval system according to the present invention for achieving the above objects, the authenticity of the customer's card and the customer's information based on the credit card settlement company read from the credit card inquiry machine and transmitted through the network A credit card transaction system for determining whether or not to authenticate a card payment, the credit card transaction system comprising: an interface module for connecting a plurality of credit card inquiry devices and a credit card payment company connected to the network to communicate with each other; And when the card payment between the customer and the seller of the registered credit card attempted to receive the credit card number and password of the registered customer through the interface module to determine the authenticity based on whether or not matched with the information of the previously stored customer. It includes an authentication server for determining whether or not the authentication of the card payment according to the authenticity.

Preferably, the authentication server is (1) a member database unit for storing and managing the customer's credit card number and social security number and address; (2) a card password storage unit for storing and managing the credit card password of the subscribed customer; And (3) determining whether the authenticity is received by receiving the credit card number and the password of the customer through the interface module, and driving a program for transmitting the authentication or impossibility message of the card payment to the credit card inquiry machine according to the authenticity. Characterized in that consisting of an authentication control unit.

According to the credit card credit card payment approval method according to the present invention, by checking the authenticity of the card with the customer's card information and the customer's information based on the credit card settlement company read from the credit card inquiry machine and sent over the network A credit card payment method for determining whether the payment is authenticated, the method comprising: (1) verifying authenticity by receiving some credit card information of a customer from a credit card inquiry device connected through the network; (2) if the information is confirmed to be authentic, transmitting a screen requesting data input related to the card password to the credit card inquiry; (3) if the credit card password of the customer is transmitted from the credit card checker, checking the authenticity with the input card password and the corresponding card password of the registered customer; And (4) transmitting an authentication or disallowing message of the card payment to the credit card inquiry according to the authenticity of the card password.

In this way, it can be seen that the approval of the use of the card is determined only when the password is entered through the credit card inquiry machine at the time of payment of the card.

As a result, when a password is entered through a credit card checker, no password is exposed from another person. Also, due to communication between the credit card checker and the authentication server of the credit card settlement company, any information about the personal information as well as the credit card number is obtained. Is not exposed at all and credit card payment is possible advantage.

And, there may be a plurality of embodiments of the present invention, the following most preferred embodiments will be described in detail.

Through this preferred embodiment, the objects, other objects, features and advantages of the present invention will become more apparent from the following description with an embodiment according to the present invention in connection with the accompanying drawings shown for illustrative purposes.

Hereinafter, preferred embodiments of the credit card payment approval system according to the present invention with reference to the accompanying drawings will be described in detail.

1 is a block diagram showing an embodiment provided in the description of the credit card payment approval system group according to the present invention.

Credit card settlement approval system according to the present embodiment is installed in each merchant, as shown in Figure 1, the credit card inquiry machine 100 to read the information of the credit card of the customer and transmit it through the communication network, and the communication network The exchange station 110 to transmit the data transmitted from the credit card checker 100 to the corresponding credit card settlement company 130, and the credit card checker 100 and the credit of each affiliated store connected to the communication network. The interface module 120 that connects the card payment company 130 to communicate with, and receives the card member registration from the customer 160, and issues a card, card payment between the customer and the seller of the registered card has been attempted When receiving the credit card number and password of the registered customer through the interface module 120 together with the information of the customer 160 stored in advance to determine the authenticity and the Depending on whether the above consists of the authentication server 140 to determine whether the authentication and non-card payment, the drawing reference numeral 150 is a financial settlement of the center to check for bad credit, 170 is a merchant.

The authentication server 140 stores the member database unit 140a for storing and managing the credit card number, the resident registration number and the address of the registered customer 160, and the credit card password of the registered customer 160. The credit card number and password of the customer 160 are transmitted together from the credit card lookup device 100 through the card password storage unit 140b and the interface module 120 to determine the authenticity and the authenticity thereof. Accordingly, the authentication control unit 140c for driving a program for transmitting the authentication or impossibility message of the card payment to the credit card inquiry machine 100.

As shown in FIG. 2, the credit card inquiry device 100 scans and reads the information of the card when a magnetic card such as a credit card or a debit card passes through the card guide groove 12a. Liquid crystal for displaying whether the payment unit 12 and the keypad unit 14 having a function key such as a plurality of numeric keys for inputting key data, a communication key, a correction key, and the like for payment and card use Memory unit 22 for storing and outputting information on the card inputted from display unit 16, keypad unit 14 and card reader unit 12, and card reading in response to key input of keypad unit 14 The information of the card read from the unit 12 is transmitted to the credit card settlement company 130 through the modem unit 18, and the information obtained therefrom is compared with the password stored in the memory unit 22, and the credit is based on the comparison result. Microphone controls the overall behavior of the card viewer The processor 10, the printer 20 for issuing a receipt by printing the information of the card and the payment price, etc. on the sales slip under the control of the microprocessor 10, and the commercial AC power input is dropped to different levels. And a power supply unit 24 for converting the dropped AC voltage into a DC voltage and supplying an operating voltage to the entire system of the credit card inquiry apparatus.

The credit card payment approval system and method according to the present invention made as described above will be described in more detail with reference to FIGS.

First, the customer 160 is provided with the necessary information to the credit card settlement company 130 in accordance with the usual procedure to receive a credit card. At this time, the authentication server 140 operating the credit card payment approval system of the present invention is a part of the information issued by the customer (card type, credit card number) and personal information provided by the customer (resident registration number, name, address, etc.) Is provided in the member database unit 140a, and the credit card password provided by the customer 160 is provided in the card password storage unit 140b.

Then, when the card commerce between the customer 160 and the seller is made, the seller recognizes the type of card provided by the customer 160, such as a credit card or debit card, and initializes (S10) the credit card lookup 100. Press the corresponding key through the keypad 14 (S12) and pass the corresponding card provided by the customer 160 to the card guide groove 56a, the card reader 12 of FIG. For example, the unique number of the card is read (S14) and provided to the microprocessor 10.

The microprocessor 10 may provide the information read by the card reader 12 to the interface module 120 of the credit card settlement company 130 through the modem unit 18 and the switching center 110 connected to the network. (S16).

The interface module 120 of the credit card settlement company 130 signals the number of the card transmitted from the switching center 110 and provides it to the authentication control unit 140c of the authentication server 140.

The authentication control unit 140c of the authentication server 140 checks whether the information of the received card and the information of the corresponding customer 160 established in the member database unit 140a match with the financial settlement center 150. By checking the credit card authorization of the customer 160 through (S18), if the credit card is not approved, a card unavailable message is transmitted to the credit card inquiry device 100 and displayed on the liquid crystal display unit 16 (S20).

When the card approval is determined in step S18, the authentication control unit 140c of the credit card settlement company 130 displays a screen for requesting data input on the card password of the corresponding customer 160 to the credit card inquiry machine 100. It transmits and displays on the liquid crystal display unit 15 (S22).

At this time, when the customer 160 inputs the credit card password through the keypad unit 14 of the credit card checker 100 and transmits the credit card password to the credit card settlement company 130, the authentication control unit of the authentication server 140 ( 140c reads the password of the transmitted card and the password constructed in the card password storage 140b and checks whether the two passwords match (S26) to determine the authenticity (S28).

If it is determined that the password of the card transmitted in step (S28) is false, the card unavailable message is sent to the credit card inquiry system 100 and displayed (S20). The screen requesting the input of the payment price is transmitted to the liquid crystal display unit 16 of 100 and displayed.

Thereafter, when the payment amount is input, the microprocessor 10 calculates the input payment amount and displays the calculated value on the screen of the liquid crystal display 16 so that the seller side and the buyer side can simultaneously confirm the payment amount.

In addition, the calculated payment amount and the use date, time, etc. of the card is printed on the sales slip through the printer 20 and the printed sales slip is discharged through the receipt outlet.

On the other hand, as a comparative example, unlike the prior art, that is, to approve the use of the card without inputting the password of the card user, the present invention is required to input the password that is built in the authentication server of the credit card settlement company at the time of card payment Only then will you be able to approve the payment.

As a result, according to the present invention, when the password is input through the credit card checker, the password is not exposed from others, and also due to the communication between the credit card checker and the authentication server of the credit card settlement agent, There is an advantage that credit card payment can be made without any information about the identity is exposed.

In addition, although specific embodiments of the present invention have been described and illustrated above, it is obvious that the present invention may be variously modified and implemented by those skilled in the art.

Such modified embodiments should not be individually understood from the technical spirit or the prospect of the present invention, and such modified embodiments should fall within the appended claims of the present invention.

According to the credit card payment approval system and method of the present invention, which is clear from the above description, it is necessary to enter a password when paying for the card to determine whether the use of the card is approved, thereby preventing unauthorized transactions even if the credit card is lost. Communication with the inquiry server and the credit card settlement company's authentication server has the effect that credit card payment is possible without exposing any information about the personal information as well as the credit card number.

Claims (3)

Claims [1] A credit card transaction system for deciding whether to authorize a card payment by checking the authenticity of the card of a customer read through a credit card checker and information of a customer based on a credit card settlement company. (1) an interface module for connecting a plurality of credit card inquiry machines and credit card settlement companies connected to the network so as to communicate with each other; And (2) When a card payment is attempted between a customer and a seller of a registered credit card, the credit card number and password of the registered customer are received together with the interface module to confirm the authenticity with the information of the stored customer. Credit card payment approval system, characterized in that it comprises an authentication server for determining whether or not the authentication and authorization of the card payment according to the authenticity. The method according to claim 1, wherein the authentication server (1) a member database unit for storing and managing the customer's credit card number, social security number and address; (2) a card password storage unit for storing and managing the credit card password of the subscribed customer; And (3) determining whether the authenticity is received by receiving the credit card number and the password of the customer through the interface module, and driving a program for transmitting the authentication or impossibility message of the card payment to the credit card inquiry machine according to the authenticity; Credit card approval system, characterized in that the authentication control unit. In the credit card payment method which determines the authenticity of the card payment by checking the authenticity with the information of the customer card transmitted through the network and read by the credit card checker and the information based on the credit card settlement company: (1) confirming authenticity by receiving some credit card information of a customer from a credit card inquiry device connected through the network; (2) if the information is confirmed to be authentic, transmitting a screen requesting data input related to the card password to the credit card inquiry; (3) if the credit card password of the customer is transmitted from the credit card checker, checking the authenticity with the input card password and the corresponding card password of the registered customer; And (4) a credit card payment approval method, comprising: sending an authentication or impossibility message of the card payment to the credit card inquiry according to the authenticity of the card password.